🇦🇺 Live Insurance

APRA LPS 110 Capital Adequacy

Sets capital adequacy requirements for life insurers regulated by APRA, ensuring they hold sufficient capital to absorb losses. Applies to Australian life insurance companies.

View official source document

Rules extracted

Obligations decomposed

7.1x

Avg obligations per rule

🇦🇺 Australia

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

Obligations

7.1x

Decomposition ratio

Each rule is decomposed into an average of 7.1 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 71 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in LPS 110 is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: APRA LPS 110 Capital Adequacy
Regulatory body: Australian Prudential Regulation Authority
Jurisdiction: 🇦🇺 Australia
Document type: prudential-standard
Effective date: January 1, 2023
Issuing authority: Australian Prudential Regulation Authority (APRA)
Industry: Insurance
Official source: View source document ↗

Who this applies to

life companiesEFLICs

Key requirements

capital adequacy
prescribed capital amount
capital base
risk charges
management capital amount
capital management policy
reporting to APRA

Frequently asked questions about LPS 110

What is LPS 110?

Sets capital adequacy requirements for life insurers regulated by APRA, ensuring they hold sufficient capital to absorb losses. Applies to Australian life insurance companies.

Who does LPS 110 apply to?

LPS 110 applies to life companies, EFLICs.

How many obligations does LPS 110 contain?

AuditDSS has decomposed LPS 110 into 71 atomic obligations from 10 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of LPS 110?

The key requirements include: capital adequacy, prescribed capital amount, capital base, risk charges, management capital amount, capital management policy, reporting to APRA.

How can I assess my LPS 110 compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 71 LPS 110 obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces LPS 110?

LPS 110 is enforced in Australia by Australian Prudential Regulation Authority.

When did LPS 110 come into effect?

LPS 110 became effective on January 1, 2023.

What industry does LPS 110 apply to?

LPS 110 is primarily relevant to the Insurance industry. AuditDSS covers 98 regulations in this industry sector.

Build a LPS 110 compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for LPS 110 — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering LPS 110 requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine LPS 110 with other regulations into a single unified compliance pack for your business.

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Already have a policy? Assess it against LPS 110

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 71 obligations

Your document is scored against every obligation in LPS 110. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.