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Explore Copilot →Insurance · Solvency II + IDD
The insurance regime, operationalised .
The Solvency II review, a new recovery and resolution regime and the Retail Investment Strategy all land on insurers within the same window, on top of DORA, AML/CFT and the AI Act you already run. ComplyBridge tracks the policy and the limit, surfaces what overlaps with frameworks you already operate, and keeps your governance, ORSA and distribution evidence audit-ready between supervisory cycles. The actuarial engine stays where it belongs: in your models.
At a glance
2,116
Solo (re)insurers reporting under Solvency II across the EEA
4
Key functions: risk management, compliance, internal audit, actuarial
15h
Minimum annual training per IDD distribution employee
Solvency II review / IRRD application date
From 30 January 2027
Transposition deadline 29 January 2027 · Retail Investment Strategy rules for insurance-based investment products to follow
Three regimes. One deadline window. Much of it you already run.
Insurance sits at the crossroads of EU finance. A typical undertaking already operates DORA, AML/CFT for its life business, data protection and, increasingly, the EU AI Act, which classes risk assessment and pricing in life and health insurance as high-risk. ComplyBridge resolves those obligations to the templates you already run and surfaces the overlaps explicitly, so you author only what is genuinely new.
The remaining work is where ComplyBridge does the heavy lifting: the system of governance and its key functions, ORSA, sustainability risk plans, pre-emptive recovery planning, and the full IDD distribution suite. Each obligation maps to a monitored control with cadence, owner and status. ORSA, the SFCR and RSR narrative, and the pre-emptive recovery plan get structured scaffolds; your actuarial and risk teams populate the analysis.
What the insurance module covers.
Policy-able and trackable obligations only. SCR, MCR and technical provisions calculation is deliberately out of category. That is the job of your actuarial and risk-systems stack.
Authorisation & governance
Programme of operations, qualifying holdings, fit-and-proper for persons running the undertaking and key function holders, and the four key functions: risk management, compliance, internal audit and actuarial.
ORSA & risk policies
Own risk and solvency assessment lifecycle, underwriting and reserving, ALM, liquidity risk management plan, reinsurance and investment policy under the prudent person principle.
Sustainability & climate
Sustainability risk plans and climate change scenario analysis introduced by the Solvency II review, integrated into ORSA rather than bolted on.
Recovery & resolution
Pre-emptive recovery plan lifecycle under IRRD, resolvability cooperation, and the early-intervention indicators your supervisor will watch.
Distribution & conduct
IDD product oversight and governance, demands-and-needs testing, IPID and IBIP disclosures, conflicts and remuneration, the 15-hour annual training requirement, and the incoming value-for-money regime for insurance-based investment products.
Supervisory reporting governance
QRT, SFCR and RSR cycles: calendar adherence, sign-off and data-quality controls. Not the XBRL pipeline.
What ComplyBridge does for you.
Insurers run prudential, conduct and operational regimes in parallel, often across a group of entities. The product is built for that reality.
- Insurance obligations register live from day one: domain, legal reference, cadence, owner, status.
- Overlap engine surfaces the obligations already satisfied by your DORA, AML/CFT, data protection and AI Act templates. No insurance-specific clones, no duplicate authoring.
- Policy Studio generates the governance framework, key-function charters, risk policies, POG and distribution procedures with the right parent-child structure.
- Structured scaffolds for ORSA, the SFCR/RSR narrative and the pre-emptive recovery plan. Process and evidence shell; your analysis goes inside.
- Tracker per obligation: review cadence, key-function owner (Risk, Compliance, Actuarial, Internal Audit, MLRO, CISO), status workflow, audit trail.
- Applicability filter against entity flags (life, non-life, reinsurance, intermediary, IBIP distribution, small and non-complex status, group) so the register is always sized to your actual profile, and shrinks automatically when proportionality applies.
Getting to a working insurance obligations stack.
The first six months get the register live and the policy pack authored ahead of the January 2027 application date. After that, the rhythm is cadence-driven: annual ORSA, periodic reporting, on-change notifications.
Ingest the register
Every insurance obligation ingested with cadence, default owner and applicability flags from your entity profile, including small and non-complex status.
Reconcile overlaps
Link items resolve to your existing DORA, AML/CFT, data protection and AI Act templates. Surface the gaps before authoring anything new.
Author and scaffold
Policy Studio produces the standalone policies and procedures; ORSA, SFCR/RSR and recovery plan shells await your analysis.
Operate the rhythm
Tracker drives the annual ORSA, the reporting calendar, POG reviews and on-change notifications. Board pack and supervisor-ready exports one click away.
Frequently Asked Questions
Common questions about Insurance · Solvency II + IDD and how ComplyBridge supports compliance.
No, and deliberately so. Prudential calculation lives in actuarial models with the right data lineage, validation and review controls. ComplyBridge tracks the policy and the limit (the framework, the cadence, the sign-off) and links to your calculation source for the numbers. Trying to be both would make us bad at both.
Yes. The IDD module runs on its own. Brokers, agents, ancillary intermediaries and bancassurance distributors get the distribution suite (POG, demands and needs, disclosures, remuneration, training records) without the prudential obligations that don't apply to them. The applicability filter handles the sizing.
Depending on your profile: a formal small and non-complex undertaking regime with lighter governance, reporting and ORSA requirements; sustainability risk plans and climate scenario analysis; strengthened supervision of cross-border and group activity; and new macroprudential tools. ComplyBridge maps each change to the obligations it touches, so you see your delta rather than the whole directive.
The Retail Investment Strategy brings insurance-based investment products into line with the MiFID II value-for-money and suitability framework. The amendments are tracked in the register as incoming obligations and switch to live as national transposition and EIOPA implementing measures land. You see what changes for each product line before the deadline, not after.
ComplyBridge produces the artefacts your supervisor expects to see (ORSA supervisory report, SFCR and RSR narrative governance, pre-emptive recovery plan, board attestations, key-function reports) at the cadence the rulebook prescribes. QRT submission itself stays with your existing XBRL pipeline; we track the calendar, sign-off and data-quality controls around it, not the wire format.