Insurance Asset Management - Our Team Approach

What Sets Our Insurance Asset Management Apart?

Insurance asset management requires a disciplined investment approach that accounts for regulatory, accounting and balance sheet considerations alongside risk, return and capital efficiency objectives. As part of Franklin Templeton's global platform, insurance asset management capabilities benefit from integrated distribution, client servicing and operational infrastructure, while investment teams focus on portfolio construction, risk management and long-term outcomes. Together, this structure combines scale, governance and investment expertise to support the evolving needs of insurance balance sheets across market environments.

Our Insurance Approach: Optimizing Implementation

Expertise and Experience

Insurance asset management capabilities draw on deep experience across investment management, portfolio construction and risk oversight. This experience reflects long-standing engagement with insurance balance sheet dynamics and evolving regulatory, accounting and actuarial considerations across market environments.

Investment Philosophy

Western Asset’s long-term fundamental value investing approach translates into portfolios that seek to generate attractive statutory income. This philosophy, along with multiple diversified strategies, helps mitigate risk and can produce attractive capital and risk-adjusted returns.

Depth of Regulatory Experience

Insurance asset management capabilities reflect extensive experience across a wide range of insurer types and regulatory regimes, including but not limited to NAIC (US), Solvency II (Europe) and LAGIC (Australia). This experience spans investment management, risk oversight, quantitative analysis and derivatives, supporting portfolio construction within evolving regulatory and accounting frameworks.

Proprietary Systems

Insurance portfolios are supported by proprietary analytics, risk tools and capital modeling capabilities that contribute to effective portfolio construction and oversight. Compliance, regulatory reporting and capital governance are supported through Franklin Templeton's global compliance and risk infrastructure, including regulatory capital calculators and enterprise risk systems.

Customization and Solutions

We understand that each insurer has unique needs. Our platform is specifically designed to accommodate customized and specialized mandates. We do not deliver “off-the-shelf” solutions; rather, we approach each insurer by first understanding their individual requirements and then developing an investment and servicing strategy that addresses their distinct needs.

Our Insurance Team Approach: Optimizing Implementation

Western Asset works hard to ensure an optimal experience for our insurance clients. As shown here, several teams work together—in collaboration with the client—to provide thorough analysis, client-specific investment decision making and robust portfolio optimization.