Insurance
Delivering the best of L&G for our insurance clients
Insurance heritage and technical expertise
We know insurance asset management. Our knowledge and experience with our own global insurance business, our understanding across insurance regulatory jurisdictions and our familiarity with the unique risk exposures impacting insurers provide us with a unique perspective on both managing insurance assets and the associated reporting and servicing requirements.
We lead with a solutions-driven approach and robust systems to handle the complexity of today’s insurance business. Our platform tailored for insurers includes:
- Policy and guideline development
- Strategic asset allocation
- Insurance-specific reporting
- Peer analysis
- Proprietary ALM modeling engine
- Performance, capital modeling and risk analytics
Why L&G
Leadership
Our scale, experience and track record help you to navigate complex market environments with confidence alongside us.
Partnership-like approach
We work closely with you to understand your needs while delivering tailored strategies that seek to support long‑term outcomes.
Innovation
We combine deep sector insights and our network with a long‑term approach, to help you to meet your challenges and realise opportunities that may not be easily accessible elsewhere.
Invest like an insurer
US insurance asset management capabilities
We have expertise across a wide range of assets classes and the capability and experience to meet your specific needs. Please see further details of our investment offering for insurers at the links below.
Active fixed income solutions
Exploiting opportunities across increasingly complex markets
Private markets
Offering clients access to a range of private market capabilities to match their investment needs
Equity solutions
Constructing dynamic and custom equity solutions aligned with client objectives
Strong Client and Solutions team
L&G employs more than 100 people with significant experience in the insurance business (including actuaries, quantitative analysts and accountants). They span our Solutions, Multi-Asset, Active Fixed Income and Insurance Client teams. This broad insurance expertise across our business helps us to design, implement and manage bespoke solutions that fit our clients’ unique requirements.
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The capital logic behind US insurers’ growing securitized allocations
US insurer allocations to securitized assets are expanding, and regulatory capital rules are a meaningful driver. Senior tranches across many securitized structures often earn high NAIC designations because they are engineered to limit expected and stress losses. As a result, they can carry relatively low NAIC capital charges—allowing insurers to earn more spread per unit of required capital than many similarly rated corporate bonds.
Why liquidity discipline matters in volatile markets
In a volatile market, effective liquidity management remains central to insurers’ financial strength. Michael Ryan, CFA, Head of Insurance Strategy, highlights in Insurance Investor how investment‑grade private credit can help insurers balance long‑term returns with disciplined liquidity management.
Amid global uncertainty, what role can EMD play in insurance portfolios?
Emerging market debt (EMD) has become a fixture in insurance general account portfolios, with investors drawn in by the possibility of a capital-adjusted return pickup and potential diversification benefits. It can also fit well into insurers’ asset liability management. However, it is not a case of one-size-fits-all.
Unless otherwise stated, references herein to "L&G", "we" and "us" are meant to capture the global conglomerate that includes Legal & General Investment Management Ltd. (a U.K. FCA authorized adviser), Legal & General Investment Management America, Inc. (a U.S. SEC registered investment adviser) Legal & General Investment Management Asia Limited (a Hong Kong SFC registered adviser), Legal & General Investment Management Japan KK (licensed by the FAS in Japan), and LGIM Singapore Pte. Ltd. (licensed by the MAS in Singapore).
This material is intended to provide only general educational information and market commentary. Views and opinions expressed herein are as of the date set forth above and may change based on market and other conditions. The material may not be reproduced or distributed. The material is for informational purposes only and is not intended as a solicitation to buy or sell any securities or other financial instrument or to provide any investment advice or service. L&G – Asset Management, America does not guarantee the timeliness, sequence, accuracy or completeness of information included. Past performance should not be taken as an indication or guarantee of future performance and no representation, express or implied, is made regarding future performance.
Certain of the information contained herein represents or is based on forward-looking statements or information, including descriptions of anticipated market changes and expectations of future activity. Forward-looking statements and information are inherently uncertain and actual events or results may differ from those projected. Therefore, undue reliance should not be placed on such forward-looking statements and information. There is no guarantee that L&G – Asset Management, America’s investment or risk management processes will be successful.