Though not due to be implemented until 2013, the European Union's Solvency II requirements are currently altering business practices at some insurers and reinsurers, a new report from Moody's Investors Service contends.

The report, "Higher Solvency II Capital Requirements Are Altering the Business Strategy of European Insurance Groups' U.S. Life Insurance Operations," says insurers have begun steering away from products sensitive to interest rate spreads.

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