IRIS solutions have been successfully implemented within the P&C insurance market to date, providing insurers with practical ways to: 

• Significantly enhance investment returns net of capital charges associated with alternative assets, and/or
• Replace cash, money market, or short-dated T-bills with yield enhancement solutions in the context of “trapped assets” and posted collateral.

 

These solutions give investors access to absolute return strategies designed to generate additional yield (typically +3% to +5% over government bonds), while embedding capital and downside protection mechanisms that help reduce Solvency Capital Requirements (SCR) under frameworks like Solvency II or for rating agency models.   

 

Why IRIS solutions make sense for General Insurers :

 

• Regulator-validated and scalable
• Approved by UK regulators (PRA, Society of Lloyd’s) for use as a meaningful share of total portfolios (up to ~35%)
• Proven to handle large, multi-billion-dollar allocations
• Streamlined approval—what once required 8–10 months can now be fast-tracked thanks to established precedents

• Straightforward “all-in-one” design
• Financial risk is managed directly at the asset level using rule-based, systematic strategies (e.g., volatility control, put overlays)
• Easily structured within regulated fund formats such as UCITS with daily liquidity
• No complex operational burden on the insurer’s side

• Efficient capital impact
• Delivers significant solvency or rating capital relief (often +30 points depending on the model)
• Enhances net returns after cost of capital
• Can be tailored to meet specific solvency, rating capital, target volatility, or return objectives

• Proven, award-winning innovation
• Proprietary solutions engineered by IRIS—not replicable by standard asset managers or investment banks
• Recognised with multiple industry awards, including the Insurance Risk Magazine’s “Innovation of the Year” (2013) 

 

IRIS solutions help insurers achieve robust returns with substantial capital efficiency—backed by proven structures, regulatory validation, and a strong track record of delivery.