Regulatory returns

Solvency and Financial Condition Report

Solvency II 

Under the Solvency II regime, effective 1 January 2016, we are required to publish a Solvency and Financial Condition Report (SFCR). 

The SFCR aims to give the general public an overview of the insurance company's financial condition covering business performance, the adequacy of its risk profile and a description of its capital management. The SFCR is supported by the Quantitative Reporting Templates (QRTs) which provide numerical data as prescribed by the Prudential Regulation Authority (PRA). Some of the information in these reports is quite technical and the content is prescribed by complex regulations. 


For the year-ended 31 December 2023 the LV= Group and LVFS SFCR is available for download here.

The LV=Group also produces a separate SFCR and QRTs for each of its regulated subsidiary entities. The SFCRs and QRTs for our separate regulated entities for the year-ended 31 December 2023 are available for download below.