Regulatory Alerts2025-11-24
Customer Interest First in Embedded Insurance
The Dutch Authority for the Financial Markets (AFM) issued this November 2025 report to clarify legal obligations and provide recommendations for safeguarding customer interests in the rapidly growing embedded insurance sector. The document outlines key risks such as over-insurance, under-insurance, and impulsive purchasing, while detailing licensing requirements for platforms and insurers under the Financial Supervision Act. It further provides practical guidance across the customer journey, covering product development, information provision, and policy administration to ensure sustainable and compliant embedded insurance practices.
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