Скачать или смотреть POOLING AND DIVERSIFICATION OF RISK Part 2| Insurance Awareness Series 2025

his video, we explore the various types of risks faced by insurance companies, including underwriting risk, market risk, operational risk, liquidity risk, and regulatory risk. Understanding these risks is crucial for anyone preparing for IRDAI, LIC, EPFO, IFSCA, SEBI, RBI, or NABARD exams that cover Insurance Awareness and Financial Systems.

Insurers exist to manage risk — yet they also face their own risks in operations, investments, and claims management. This video explains how insurance companies identify, measure, and mitigate these risks through sound governance, reinsurance, and compliance with IRDAI’s Risk Management Framework.

🔑 Topics Covered in this Video

Meaning of Risk in Insurance – Why risk management is central to insurance

Classification of Risks in the Insurance Sector:

Underwriting Risk – Risk of loss from improper risk assessment or pricing

Credit Risk – Default risk from reinsurers, intermediaries, or investment counterparties

Market Risk – Fluctuations in interest rates, equity prices, or currency values

Liquidity Risk – Inability to meet short-term obligations or claims

Operational Risk – Failures in internal processes, systems, or human errors

Legal & Compliance Risk – Non-compliance with IRDAI or regulatory norms

Reputational Risk – Damage due to poor claim handling or unethical practices

Catastrophic/Insurance Risk – Losses from natural disasters or pandemics

Risk Management Tools:

Diversification and Reinsurance

Asset-Liability Management (ALM)

Solvency Margin Maintenance

Internal Audit and Actuarial Reviews

IRDAI’s Role in Risk Supervision – Solvency norms, corporate governance, and reporting

📌 Why Watch This Video?

Helps you understand how risk and insurance are interlinked

Crucial for conceptual clarity and exam MCQs on risk management

Explains IRDAI risk classification and control mechanisms

Relevant for IRDAI, LIC, EPFO, SEBI, IFSCA, and other insurance-based exams

✨ Continue with our Insurance Awareness Series 2025 for a complete understanding of insurance operations, regulation, and financial systems.

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