{"product_id":"solvens-ii-sncu-2027-klassificering-proportionalitet","title":"Solvency II 2027 – SNCU classification, QRT report and proportionality decision | Word\/PDF\/Excel","description":"\u003cdiv class=\"mb-product-copy\"\u003e\n\n\u003cp\u003e\u003cstrong\u003eIs your insurance company small enough and non-complex enough to be covered by the new proportionality rules in Solvency II?\u003c\/strong\u003e Prepare a source-tracked classification assessment, gather relevant QRT supporting documentation, test the grounds for exclusion, draft an internal version of the notification to the Swedish Financial Supervisory Authority (FI), and document management's decision on any simplifications.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNew for 2026\/2027:\u003c\/strong\u003e EU Directive 2025\/2 introduces the category of \u003cem\u003esmall and non-complex undertakings\u003c\/em\u003e (SNCU). In Sweden, a government bill was published on November 6, 2026, with the \u003cstrong\u003eproposed\u003c\/strong\u003e effective date of May 1, 2027. \u003cstrong\u003eThe Swedish reform is not finalized as of November 12, 2026.\u003c\/strong\u003e The product is therefore expressly a \u003cstrong\u003ereadiness package\u003c\/strong\u003e, not an already applicable simplification decision or a completed FI form.\u003c\/p\u003e\n\n\u003cdiv style=\"border:2px solid #8FAFCA;border-radius:10px;background:#EFF6FA;padding:18px;margin:20px 0\"\u003e\n\n\u003ch2\u003ePackage Contents\u003c\/h2\u003e\n\n\u003cp\u003eFive Swedish working templates: \u003cstrong\u003e01\u003c\/strong\u003e company and classification screening, \u003cstrong\u003e02\u003c\/strong\u003e QRT\/criteria matrix, \u003cstrong\u003e03\u003c\/strong\u003e draft FI notification, \u003cstrong\u003e04\u003c\/strong\u003e proportionality decision, \u003cstrong\u003e05\u003c\/strong\u003e follow-up and review. In addition, \u003cstrong\u003e06\u003c\/strong\u003e Swedish user guide and \u003cstrong\u003e07\u003c\/strong\u003e English User Guide. All seven are provided in both editable Word and searchable PDF formats. \u003cstrong\u003e08\u003c\/strong\u003e Excel register has nine tabs. Total \u003cstrong\u003e7 DOCX + 7 PDF + 1 XLSX = 15 customer files\u003c\/strong\u003e.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv style=\"border:2px solid #8FAFCA;border-radius:10px;background:#EFF6FA;padding:18px;margin:20px 0\"\u003e\n\n\u003ch2\u003eWhat the Files Contain\u003c\/h2\u003e\n\n\u003cp\u003eCompany category (life, non-life, reinsurance, mixed business, or captive), relevant assessment period, QRT data source and evidence ID, exclusions under Article 29a.3, three-year intention, planned proportionality measures, current status of the FI process, risk and SCR control, attestation, deviation and annual control.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003ch2\u003eWho Is the Package For?\u003c\/h2\u003e\n\n\u003cp\u003eFor \u003cstrong\u003eSwedish insurance and reinsurance companies\u003c\/strong\u003e covered by Solvency II, as well as their risk, actuarial, compliance, and reporting functions. The package is used, for example, before an internal decision to prepare the notification under Article 29b or before choosing proportionality measures under Articles 29c–29e. \u003cstrong\u003eGroup classification\u003c\/strong\u003e may require a separate assessment under Article 213a and is not included as a completed group calculation.\u003c\/p\u003e\n\n\u003ch2\u003eFile Overview\u003c\/h2\u003e\n\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable\u003e\n\n\u003cthead\u003e\u003ctr\u003e\n\n\u003cth scope=\"col\"\u003eDocument\u003c\/th\u003e\n\n\u003cth scope=\"col\"\u003ePractical Use\u003c\/th\u003e\n\n\u003cth scope=\"col\"\u003eFormat and Language\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e01 SNCU Classification Screening\u003c\/td\u003e\n\n\u003ctd\u003eSelect the correct line of business, year\/exception, exclusions, and internal decision path.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + searchable PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e02 QRT and Criteria Matrix\u003c\/td\u003e\n\n\u003ctd\u003eTrace Article 29a criteria to actual QRT\/report sources, data versions, and expert assessment.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e03 Draft FI Notification\u003c\/td\u003e\n\n\u003ctd\u003ePrepare the supporting documentation for Article 29b, three-year intention, and planned reliefs – requires checking the final Swedish FI process.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e04 Proportionality Decision\u003c\/td\u003e\n\n\u003ctd\u003eInternal governance for reporting, governance, ORSA, provisions, and risk monitoring.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e05 Follow-up and Review\u003c\/td\u003e\n\n\u003ctd\u003eAnnual criteria check, grounds for exclusion, SCR change, FI dialogue, and status changes.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e06 Swedish User Guide\u003c\/td\u003e\n\n\u003ctd\u003eWorkflow, error tests, legal source matrix, and secure handling.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e07 English User Guide\u003c\/td\u003e\n\n\u003ctd\u003eEnglish instructions for the Swedish working templates, not an English FI registration form.\u003c\/td\u003e\n\n\u003ctd\u003eEnglish · DOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd\u003e08 SNCU Excel Register\u003c\/td\u003e\n\n\u003ctd\u003eNine tabs with source tracking, statuses, control gates, and an overview.\u003c\/td\u003e\n\n\u003ctd\u003eSwedish · XLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\n\u003ch2\u003eExcel – Nine Tabs and Eight Control Counters\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eOverview, Company Profile, Criteria, QRT Supporting Documentation, Exclusions, Notification, Measures, Monitoring, and Read Me.\u003c\/strong\u003e The criteria tab contains prepared reference questions but no pre-filled results. The compilation counts, among other things, unclear criteria, missing QRT evidence, exclusion flags, FI objections, and blocked measures. The file has been tested with synthetic scenarios and is delivered without customer or test data.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eNote:\u003c\/strong\u003e Zero warnings in Excel may mean that no one has registered anything. It is \u003cstrong\u003enot\u003c\/strong\u003e an approved SNCU classification, an FI decision, or an automated calculation of the solvency capital requirement.\u003c\/p\u003e\n\n\u003ch2\u003eLegal Control – Important Details\u003c\/h2\u003e\n\n\u003cp\u003e\u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2025\/2\/oj\/swe\"\u003eDirective (EU) 2025\/2\u003c\/a\u003e amends the Solvency II Directive (2009\/138\/EC). \u003cstrong\u003eArticle 29a\u003c\/strong\u003e contains company and risk-based criteria, usually for the two most recent financial years. A special period procedure applies to recently authorized companies. Some companies cannot be classified, for example according to the grounds for exclusion in Article 29a.3. It is therefore not enough to simply be a small insurance company.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eArticle 29b\u003c\/strong\u003e deals with notification, submitted evidence, a statement on planned strategic changes over three years, and a list of intended proportionality measures. The standard EU objection deadline is two months from a complete notification; \u003cstrong\u003ea special four-month rule\u003c\/strong\u003e applies to notifications during the first six months from January 30, 2027. Exact Swedish handling should be checked when the law and FI instructions are finalized. Acknowledgment must not be confused with classification.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eArticles 29c–29e\u003c\/strong\u003e distinguish between the use of simplifications for classified SNCU companies and, in certain situations, authorization-requiring proportionality measures for other companies. A company's risk profile, solvency capital requirement, and the supervisory authority's position can affect usage. No template provides its own exemption from capital requirements or policyholder protection.\u003c\/p\u003e\n\n\u003cp\u003e\u003ca href=\"https:\/\/www.eiopa.europa.eu\/publications\/technical-specification-calculation-criteria-small-and-non-complex-undertakings-sncus-and-groups_en\"\u003eEIOPA published on April 7, 2026\u003c\/a\u003e a technical specification on which QRT data should be used for the classification criteria. It should be consulted together with the directive, legal implementing acts, and relevant company-specific information; the package does not contain falsely pre-filled QRT thresholds or an approved classification result.\u003c\/p\u003e\n\n\u003cp\u003e\u003ca href=\"https:\/\/www.regeringen.se\/rattsliga-dokument\/lagradsremiss\/2026\/11\/andrade-rorelseregler-for-forsakringsforetag\/\"\u003eThe Swedish government's government bill, November 6, 2026\u003c\/a\u003e, proposes changes to Swedish insurance business law from May 1, 2027. \u003ca href=\"https:\/\/fi.se\/sv\/publicerat\/nyheter\/2026\/fi-foljer-eiopas-riktlinjer-efter-oversynen-av-solvens-2\/\"\u003eThe Swedish Financial Supervisory Authority's message November 12, 2026\u003c\/a\u003e distinguishes between a guideline that is followed directly and four that are intended to be followed after national adaptation. FI states that EIOPA's guidelines in their legal status are comparable to general recommendations.\u003c\/p\u003e\n\n\u003ch2\u003eStep-by-Step – Recommended Workflow\u003c\/h2\u003e\n\n\u003col\u003e\n\n\u003cli\u003eVerify that the insurance company is covered by Solvency II and the correct company\/group category.\u003c\/li\u003e\n\n\u003cli\u003eFollow the status of the Swedish implementing law, FI's possible forms, and EIOPA's specifications.\u003c\/li\u003e\n\n\u003cli\u003eFill the criteria matrix with the correct QRT report, cell code, calculation period, and expert sign-off.\u003c\/li\u003e\n\n\u003cli\u003eTest the grounds for exclusion and store supporting documentation in permission-protected document management.\u003c\/li\u003e\n\n\u003cli\u003ePrepare a draft notification – do not send until Swedish law and FI's channel are confirmed.\u003c\/li\u003e\n\n\u003cli\u003eDecide separately on potential proportionality measures and whether any regulatory approvals are required.\u003c\/li\u003e\n\n\u003cli\u003ePlan recurring review upon a new risk profile, changed ownership, or identified deficiency.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch2\u003eFrequently Asked Questions\u003c\/h2\u003e\n\n\u003ch3\u003eAre small insurance companies automatically SNCU?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Classification presupposes fulfillment of relevant criteria, checking of grounds for exclusion, and the prescribed supervisory process.\u003c\/p\u003e\n\n\u003ch3\u003eDo the new Swedish rules apply already on November 12, 2026?\u003c\/h3\u003e\n\n\u003cp\u003eNo. There is a government bill with a proposed effective date of May 1, 2027. Final national decision and FI instructions must be followed up.\u003c\/p\u003e\n\n\u003ch3\u003eCan we fill in Excel and get an approved\/rejected decision?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Excel compiles registered work statuses and identifies open questions. It does not calculate statutory SNCU classification.\u003c\/p\u003e\n\n\u003ch3\u003eIs the draft an official FI form?\u003c\/h3\u003e\n\n\u003cp\u003eNo. It is an internal working draft that must be adapted to current Swedish law, the authority's instructions, and the company's actual evidence.\u003c\/p\u003e\n\n\u003ch3\u003eDo the same simplifications apply to companies that are not SNCU?\u003c\/h3\u003e\n\n\u003cp\u003eNo. Certain measures may require special prior authorization under Article 29d, and the scope must be checked.\u003c\/p\u003e\n\n\u003ch3\u003eAre the PDF files digitally fillable?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The PDF files are searchable and printable. Use Word and Excel for editing.\u003c\/p\u003e\n\n\u003ch3\u003eAre the same working templates available in English?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The five working templates are in Swedish. An English user guide describes the workflow and terms.\u003c\/p\u003e\n\n\u003ch2\u003eVersion, Legal Review, and Delivery\u003c\/h2\u003e\n\n\u003cp\u003e\u003csmall\u003e\u003cstrong\u003eProduct Version 1.0 · November 12, 2026 · Jurisdiction Sweden.\u003c\/strong\u003e Official legal sources have been reviewed with AI assistance. No independent external legal review, legal eligibility assessment, solvency calculation validated by the company's QRT data, FI submission, FI decision, or regulatory certification has been performed. Adapt with a trained risk\/actuarial and legal function before actual use. The product draft is unpublished and the customer ZIP is not linked to Digital Products in this round.\u003c\/small\u003e\u003c\/p\u003e\n\n\n\u003c\/div\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56596655079766,"sku":"SNCU-SOLVENSII-2027-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/01_SNCU_solvensII_huvudbild_1600.png?v=1794496164","url":"https:\/\/mallbutiken.se\/en\/products\/solvens-ii-sncu-2027-klassificering-proportionalitet","provider":"Mallbutiken","version":"1.0","type":"link"}