Defined terms for the annuity market and lifetime income landscape.
An insurance holding company is a corporate parent that owns one or more regulated insurance subsidiaries, used as the standard corporate structure for US life and annuity carriers, with the holding company controlling rather than itself writing the insurance contracts.
Insurance holding company regulation is the state regulatory regime governing an insurance carrier that is part of a corporate group, addressing affiliate transactions, dividends to the parent, changes of control, and enterprise-level risk oversight.
