The normative value of the insurance reserves is the minimum value of the reserves required from the company according to national standards and shall be determined by the Law of Ukraine “On Insurance” and by the Methodology on formation of life insurance reserves, approved by the order of the State Commission for Regulation of Financial Services Markets of Ukraine of Ukraine as of 27.01.2004. The supervisory authorities can apply sanctions to the insurance companies for non-compliance with the approved documents.

Risk Institute performs analysis of the insurer's portfolio and determines optimal reserving scheme, which allows a company to effectively fulfill it's insurance liabilities while considering real economy of the company (payment of commission remuneration, administrative costs, etc.).