Life Company Risked Based Capital

MBA's 2019 Commercial/Multifamily Policy Priorities

MBA advocates reduced risk-based capital for equity investments in real estate.

Overview: Life insurance companies are subject to regulation by state insurance regulators. That regulatory framework includes Risk-Based Capital (RBC) standards. RBC standards specify the minimum amount of capital a life company must hold on its balance sheet for various categories of business activities. MBA is currently working with the NAIC and its Investment (E) Risk-Based Capital Working Group to secure a reduction for the RBC charge for life company holdings of equity real estate. 

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