[OUTDATED] Methodology on value for money benchmarks

UPDATE: This methodology is no longer up to date. A new, revised methodology was published on 6 July 2026 and can be accessed here.

EIOPA's Methodology on setting value-for-money benchmarks for unit-linked and hybrid insurance products is a tool that will help supervisors effectively deal with risks in the unit-linked and hybrid market affecting consumers.

Such benchmarks are central to EIOPA's and national supervisors’ efforts to adopt an increasingly data-driven and risk-based approach to the supervision of value for money risks. They will allow supervisors to better identify products with high value-for-money risks and ensure that consumers are placed at the centre of insurance products.