Insurance, pension and standardised guarantee schemes include households' insurance receivables. It includes life insurance technical reserves, pension entitlements and non-life insurance related households' receivables. Life insurance technical reserves consist of outstanding claims of life insurance policies. Pension entitlements include pension funds that have been established to ensure payment of other than statutory employment pensions (TEL).
The development of households' financial assets affect households' consumption possibilities and thus have an effect on economic growth. In addition, households' financial assets are important in terms of the stability of the financing system.