IC releases new investment guidelines for regulated entities

The Insurance Commission (IC) has released new omnibus guidelines on investments for regulated entities like insurers, reinsurers, and mutual benefit associations (MBAs).

Circular Letter (CL) No. 2025-09 introduces new allowable investments, including structured products, debt securities from supranational organizations, and investment vehicles.

While prior approval is not needed for these new investments, regulatory safeguards are in place to ensure ICREs can maximize returns with prudent risk levels.

All new allowable investments must meet minimum credit rating requirements or be listed on recognized exchanges.

The new guidelines are intended to boost the investment adaptability of regulated entities in a dynamic market.

These changes aim to empower ICREs to make informed investment decisions for the stability and growth of their financial assets, while protecting policyholders.