Non il mio campo, da cui il modesto grado di confidenza, ma mi pare plausibile.

European insurance markets; (ii) determining the terms and conditions under which insurance companies might propose to policyholders changes to the rule for determining the average rate of return of the segregated fund (Gestione Separata) to which the contracts are linked, providing for the application of the profits fund (Fondo Utili) and (iii) how to establish the coverage of the demographic risk in class III insurance products.
https://www.jdsupra.com/legalnews/italy-ivass-reviews-the-re...

n addition, IVASS is launching a wider discussion with the market for the purposes of (i) providing more detailed guidance around the “demographic risk” which is required for IBIPs products (an issue very frequently discussed before Italian Courts, in civil as well as tax disputes), and (ii) extending the application of certain provisions about the calculation of profits in for-profit policies connected to a segregated assets pool (polizze rivalutabili sulla base dei risultati di una gestione separata).
https://www.nortonrosefulbright.com/en-us/knowledge/publicat...

The main difference between segregated funds and mutual funds is that segregated funds offer principal protection on investments and these products are sold by insurance companies, unlike mutual funds which are sold by asset management companies or financial institutions.
https://piggybank.ca/investing/mutual-funds/segregated-funds...


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