{
  "node_id": "iais-icp-4-licensing-insurers",
  "title": "Insurance Core Principle 4 - Licensing: Criteria for Authorisation of Insurers, Fit and Proper Assessment, Business Plan Requirements, Initial Capital, Qualified Shareholders and Ongoing Licence Conditions",
  "domain": "Insurance & Risk",
  "version": "1.0.0",
  "last_updated": "2026-04-24",
  "bluf": "IAIS ICP 4 establishes the minimum requirements for the authorisation and ongoing supervision of insurers, including fit and proper assessments of controllers and key personnel, business plan viability, initial capital adequacy, and ongoing compliance with licensing conditions. Applies to all insurers seeking or holding authorisation in jurisdictions adhering to IAIS standards. See ICP 4.1-4.15.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "nist_framework",
      "iso_standard",
      "industry_mapping",
      "ai_overlay_2026"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "australia-apra-gps-220-risk-management-general-insurers",
    "canada-osfi-e19-own-risk-solvency-2023",
    "eu-delegated-regulation-2016-2067-spread-market-risk",
    "china-cbirc-c-ross-ii-solvency-2022",
    "bermuda-bma-cissa-commercial-insurer-2023"
  ],
  "primary_citations_count": 5
}