The Capital Adequacy Requirements Guideline – Life and Health Insurance (CARLI) sets out the AMF’s requirements regarding the capital adequacy framework applicable to life and health insurers. Capital adequacy is determined from a risk-based formula, as defined by the CARLI, used to measure the adequacy of the sum of available capital, surplus allowance and eligible deposits (amount available) in relation to the base solvency buffer (required amount).
Guideline in effect
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Capital Adequacy Requirements Guideline - Life and Health Insurance
(pdf - 5 MB)
This link will open in a new windowUpdated on December 11, 2025
Revised January 2026
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Capital Adequacy Requirements Guideline - Life and Health Insurance
(pdf - 5 MB)
This link will open in a new windowUpdated on December 11, 2025
Track changes - Revised January 2026
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Capital Adequacy Requirements Guideline - Life and Health Insurance
(pdf - 5 MB)
Previous version
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Capital Adequacy Requirements Guideline - Life and Health Insurance
(pdf - 3 MB)
This link will open in a new windowUpdated on December 19, 2024
Revised January 2025
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Capital Adequacy Requirements Guideline - Life and Health Insurance
(pdf - 4 MB)
This link will open in a new windowUpdated on December 19, 2024
Track changes - Revised January 2025
-
Capital Adequacy Requirements Guideline - Life and Health Insurance
(pdf - 4 MB)
Guide in effect
Reference document
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Capital Adequacy Requirements Guideline - Life and Health Insurance
(pdf - 1 MB)
This link will open in a new windowUpdated on January 1, 2014 Inactive guideline used for some CARLI references