General insurerstypically have theshortest investment time horizonbecause theirliability structureis shorter-term, requiring liquidity to pay claims quickly. For example,property and casualty (P&C) insurersmust hold liquid assets to cover unexpected claims fromnatural disasters or accidents.
In contrast,life insurers (A)manage long-term liabilities and have extended investment horizons, whilefoundations (B)invest with long-term endowment strategies.
[References:, CFA Institute Report on ESG Investing for Insurers, OECD Guidelines on Insurance Investment Strategies, PRI ESG Integration in Insurance Asset Management, , , , ]
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