흥국생명, K-ICS 3년 연속 200%대…건전성 방어법 보니

Heungkuk Life Insurance has maintained a K-ICS ratio above 200% for three consecutive years while navigating tightening regulatory requirements and rising liability valuations. The company's strategic issuance of subordinated bonds and balanced capital management exemplify how insurers are adapting to evolving solvency standards. This reflects broader industry pressures as regulators strengthen assumptions on policy lapses and debt discount rates, forcing insurers to actively defend capital ratios.