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After a legislative process of more than ten years since the financial crisis, the Swiss supervisory regulations on consumer protection will enter into force on 1 January 2020. These rules aim to provide an equivalent legal basis to the respective EU-legislation. In June 2018, the Swiss parliament has adopted the final drafts of the Financial Services Act (FIDLEG) and the Financial Institutions Act (FINIG). In addition, the consultation process of the drafts of the related Financial Services Ordinance (FIDLEV), the Financial Institutions Ordinance (FINIV) and the Supervisory Organisation Ordinance (AOV) has been completed at the beginning of February 2019. Small inconsistencies in these ordinances are planned to be adjusted by the Federal Department of Finance until autumn 2019.
A guide to leading practice transformation into an innovation-driven insurer. In all conceivable future scenarios, insurers will have to choose between two business models: the invisibility model or the engagement model. Genuine innovation will transform the core business, which makes cannibalization unavoidable.
The scenario is the same in most developed countries around the world: life expectancy is rapidly increasing, while birthrates are falling. Causes include growing prosperity, and medicine and pharmaceuticals that are becoming increasingly effective. As a result, the share of older people in the population is rising.