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. 

Policyholders' Overview of Solvency 

A Policyholders’ Overview of Solvency has also been produced specifically to address the requirements of policyholders and we have done our best to make this understandable for everyone. 

This document is available to download or can be read as the introductory section to the full Group SFCR.


For the year-ended 31 December 2019 the LV= Group SFCR and QRTs are available for download here. For the year-ended 31 December 2019 LV= has produced a separate SFCR and QRTs for each of its regulated entities and for the LV= Group. The SFCRs and QRTs for our separate regulated entities for the year ended 31 December 2019 are available for download below.

Insurance returns made to our regulator* (prior to the introduction of Solvency II)