The Commissariat aux Assurances is Luxembourg's supervisory authority for the insurance sector. It authorises and supervises direct insurance and reinsurance undertakings, pension funds, and insurance and reinsurance distribution operators including agents and brokers. Luxembourg is a significant reinsurance and cross-border life insurance centre, which gives the CAA's output reach well beyond the Grand Duchy.
What the CAA publishes
- Circulaires, its principal instrument — covering reporting requirements, auditor report standards and FATF high-risk jurisdiction declarations
- Règlements, including grand-ducal regulations and applicable EU instruments
- Notes d'information, guidance on specific products and compliance procedures
- Solvency and financial condition reports (SFCR) for life, non-life and group insurers
- Administrative sanctions and registers of authorised operators
- Consumer information and material on financial sanctions compliance
Why it matters for compliance teams
Cross-border life insurance written from Luxembourg reaches policyholders across Europe, and the CAA's circulars set the conduct and AML expectations attached to that business. Its declarations on high-risk jurisdictions also feed directly into customer due diligence procedures.
Seqlense DOC indexes CAA circulaires and règlements in full text alongside EIOPA's Solvency II material and the CSSF's parallel AML expectations, so a Luxembourg insurer can work from a single corpus.