The Article 9 of the Law of Ukraine “On Insurance” requires insurers to conduct annual distribution of additional investment income among the insured persons. In April-June of each year core publications publish rankings of insurers according to the returns on investment stated by them for the previous year. Such ratings and results of distribution of bonuses can cause a lot of questions to both experts and insured persons. The insurers have to balance the desire to show a decent rate of return and risk of encounter fair discontent of the insured persons.

Risk Institute annually allocates additional investment income between the insured persons, and undertakes proper training and education of the insurer employees.