{"id":"F2025L01428","name":"Insurance (prudential standard) determination No. 1 of 2025","slug":"insurance-prudential-standard-determination-no-1-of-2025","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":107447,"registerId":"commonwealth-F2025L01428-current","compilationNumber":null,"startDate":"2026-04-03","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"Prudential Standard GPS 410 Transfer and","sectionType":"part","heading":"Prudential Standard GPS 410 Transfer and Amalgamation of Insurance Business for General Insurers","content":"## Prudential Standard GPS 410 Transfer and Amalgamation of Insurance Business for General Insurers\n\nInsurance Act 1973\n\nI, Sean Carmody, a delegate of APRA:\n\n    (a) under subsection 32(4) of the Insurance Act 1973 (the Act), REVOKE Insurance (prudential standard) determination No. 1 of 2018 including Prudential Standard GPS 410 Transfer and Amalgamation of Insurance Business for General Insurers made under that determination;\n\n    (b) under subsection 32(1) of the Act, DETERMINE Prudential Standard GPS 410 Transfer and Amalgamation of Insurance Business for General Insurers, in the form set out in the Schedule, which applies to all general insurers.\n\nThis instrument commences on 1 January 2026.\n\nDated: 15 November 2025\n\nSean Carmody\n\nExecutive Director\n\nPolicy and Advice Division\n\nInterpretation\n\nIn this instrument:\n\nAPRA means the Australian Prudential Regulation Authority.\n\ngeneral insurer has the meaning given in section 11 of the Act.\n\nSchedule\n\nPrudential Standard GPS 410 Transfer and Amalgamation of Insurance Business for General Insurers comprises the document commencing on the following page","sortOrder":0},{"sectionNumber":"Prudential Standard","sectionType":"part","heading":"Prudential Standard","content":"# Prudential Standard\n\n1.  This Prudential Standard, made under section 32 of the Insurance Act 1973 (the Act), applies to all general insurers authorised under the Act.\n2.  A transfer or amalgamation of insurance business can occur only under a scheme confirmed by the Federal Court (unless it is undertaken in response to a direction from the Australian Prudential Regulation Authority (APRA)[\\[1\\]](#_ftn1)). This Prudential Standard sets out specific requirements in relation to documentation, notification, public inspection and an application to the Court.\n3.  In addition, any transfer or amalgamation of insurance business is subject to the provisions of the Insurance Acquisitions and Takeovers Act 1991 (IATA). The IATA requires compulsory notification of proposals involving the acquisition of any or all of the interests, rights or benefits of an insurer under contracts of insurance where that transfer amounts to 15% or more of the transferring insurer’s premiums or outstanding claims liabilities.","sortOrder":1},{"sectionNumber":"Documents to be Provided to APRA Prior t","sectionType":"part","heading":"Documents to be Provided to APRA Prior to an Application Being Made to the Court[2]","content":"# Documents to be Provided to APRA Prior to an Application Being Made to the Court[\\[2\\]](#_ftn2)\n\n1.  An application to the Court for confirmation of a scheme cannot be made unless, amongst other things, an insurer provides a copy of the scheme and any actuarial reports on which the scheme is based to APRA.[\\[3\\]](#_ftn3)\n2.  These documents must be provided to APRA before:\n\n1.  the notice of intention to apply to the Court for confirmation of the scheme is published;[\\[4\\]](#_ftn4) and\n2.  the summary of the scheme (approved by APRA) has been given to each affected policyholder.[\\[5\\]](#_ftn5)\n\n1.  In practice, the documents will need to be given to APRA before APRA can approve the summary of the scheme, and it is expected that insurers will discuss their intentions with APRA at the earliest opportunity (including arrangements for the provision of actuarial advice on which the scheme is to be based).","sortOrder":2},{"sectionNumber":"Notification Requirements[6]","sectionType":"part","heading":"Notification Requirements[6]","content":"# Notification Requirements[\\[6\\]](#_ftn6)\n\n1.  An application to the Court for confirmation of a scheme cannot be made unless, amongst other things, a notice of intention to make the application has been published by the insurer.\n2.  Before publishing a notice of intention an insurer must first secure APRA’s approval of the summary of the scheme.[\\[7\\]](#_ftn7)\n3.  The insurer must publish the notice of intention in a form approved by APRA and in a manner that results in the documents being accessible to the public and reasonably prominent in accordance with paragraph 16.\n4.  The notice of intention must, at a minimum state how an affected policyholder may obtain a copy of the scheme and any actuarial reports relating to the scheme, including providing access to the documents from the insurer’s website, for the duration of the period specified in paragraph 16.\n\n1.  A copy of the scheme must be published at the same time as the notice of intention in paragraph 9 is published under paragraph 16.","sortOrder":3},{"sectionNumber":"Approved Summary[8]","sectionType":"part","heading":"Approved Summary[8]","content":"# Approved Summary[\\[8\\]](#_ftn8)\n\n1.  An application to the Court for confirmation of a scheme cannot be made unless, amongst other things, a summary of the scheme, approved by APRA (the approved summary), has been given to every affected policyholder.\n2.  Where a scheme summary is accompanied by a letter from the insurer including other information relating to the scheme, the accompanying letter must highlight that the APRA approved summary sets out essential information in relation to the scheme and should be read carefully by affected policyholders.\n3.  The format and content of the approved summary will depend on the circumstances of the transfer, however, the insurer should, at a minimum, advise affected policyholders:\n\n1.  that the insurer proposes to transfer the policyholder’s policy or policies to another insurer, on or after a specified date;\n2.  of the full name and contact details of the other insurer;\n\n1.  of the effect of the transfer (this explanation may be brief and may, for example, explain that from the date of the transfer all rights and liabilities under the policies will be transferred to the other insurer, so that premiums will have to be paid to, and claims will have to be lodged with, that insurer);\n\n1.  of any action the policyholder will need to take before or as a result of the transfer (for example, any changes in arrangements relating to paying premiums or lodging claims);\n\n1.  if the policyholder does not need to take any action before or as a result of the transfer - advise the policyholder accordingly;\n\n1.  how the policyholder can obtain further information relating to the scheme;\n\n1.  that the policyholder has the right to attend the Federal Court and request to be heard by the Court if they believe the scheme may have a detrimental impact on the interests of policyholders as a whole; and\n\n1.  of any proposed changes to the terms and conditions of transferring policies.\n\n1.  The approved summary must be sent to affected policyholders before or at the same time the scheme is published under paragraph 16.","sortOrder":4},{"sectionNumber":"Publication of Scheme[9]","sectionType":"part","heading":"Publication of Scheme[9]","content":"# Publication of Scheme[\\[9\\]](#_ftn9)\n\n1.  A copy of the scheme must be accessible and prominently displayed on the website of each insurer who is to be bound by the scheme together with a copy of the actuarial reports on which the scheme is based (scheme documents). The scheme documents must be accessible from the time the notice of intention in paragraph 9 is published up until the date of the scheme’s confirmation hearing as per paragraph 17.","sortOrder":5},{"sectionNumber":"Application for Confirmation of Scheme[1","sectionType":"part","heading":"Application for Confirmation of Scheme[10]","content":"# Application for Confirmation of Scheme[\\[10\\]](#_ftn10)\n\n1.  An application to the Court for confirmation of a scheme may be made no earlier than:\n\n1.  the day after the day on which a copy of the scheme documents has been published on the insurer’s website for a period of at least 15 days; and\n2.  unless the Court dispenses with the need for compliance with paragraph 17C(2)(c) of the Act[\\[11\\]](#_ftn11) — 15 days after the approved summary of the scheme has been given to every affected policyholder under that paragraph,\n\nwhichever is the later.","sortOrder":6},{"sectionNumber":"Documents to be Provided to APRA after t","sectionType":"part","heading":"Documents to be Provided to APRA after the Court has Approved a Scheme[12]","content":"# Documents to be Provided to APRA after the Court has Approved a Scheme[\\[12\\]](#_ftn12)\n\n1.  An insurer to which insurance business is transferred, or with whose insurance business any part of the business of another insurer is amalgamated, must give APRA the following documents:\n\n1.  a certified copy of each of the following documents:\n\n1.  the scheme providing for the transfer or amalgamation;\n2.  the Court order confirming the scheme;\n3.  a statement of the assets and liabilities of each insurer associated with the transfer or amalgamation, before and after the transfer or amalgamation;\n\n1.  a statutory declaration by a Director:\n\n1.  setting out, in relation to the transfer or amalgamation:\n\n-   each payment made; and\n-   a reasonable estimate of each payment to be made; and\n\n1.  stating that they reasonably believe that no other payment has been made, or will be made, by, or with the knowledge of, a party to the transfer or amalgamation.\n\n1.  The documents specified in paragraph 18 must be lodged with APRA within 30 days after the transfer or amalgamation is completed.\n2.  An insurer may apply to APRA, in writing, before the end of the 30 day period, for an extension of the time in which to lodge the documents specified in paragraph 18. If APRA believes that the insurer cannot reasonably provide the documents within 30 days, APRA must, within 14 days of receiving an application for an extension, give a written extension of up to 30 days.[\\[13\\]](#_ftn13)\n\nAttachment","sortOrder":7},{"sectionNumber":"Transfer and Amalgamation of Insurance B","sectionType":"part","heading":"Transfer and Amalgamation of Insurance Business","content":"![Commonwealth Coat of Arms of Australia](image.002.png)\n\nPrudential Standard GPS 410\n\nTransfer and Amalgamation of Insurance Business for General Insurers\n\n| Objectives and key requirements of this Prudential StandardThis Prudential Standard deals with the transfer or amalgamation of insurance business of a general insurer.Insurers transferring or amalgamating insurance business in accordance with the Act are subject to procedural requirements set out in the Act and this Standard. These requirements are designed to ensure that affected policyholders, and other interested members of the public, are informed about any such transfer or amalgamation, are given accurate information about it, and are provided with the opportunity to obtain more detailed particulars if they wish to do so.The key requirements of the Act and this Prudential Standard are:An insurer cannot make an application to the Court for confirmation of a scheme of transfer or amalgamation unless, amongst other things, the insurer provides to APRA a copy of the scheme, any actuarial reports on which it is based and a copy of the proposed business transfer agreement.After approval by APRA and prior to making an application to the Court, the insurer must:publish a notice of intention to make the application and a copy of a summary of the scheme (the approved summary) in a manner that results in the documents being accessible to the public and reasonably prominent;give a copy of the approved summary to every affected policyholder. An insurer to which insurance business is transferred or amalgamated must give APRA a range of documents after the Court has approved the scheme, including a statement of the nature and terms of the transfer or amalgamation, and the Court order confirming the scheme.Details on these requirements are contained below. |\n| ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n\n# Prudential Standard\n\n1.  This Prudential Standard, made under section 32 of the Insurance Act 1973 (the Act), applies to all general insurers authorised under the Act.\n2.  A transfer or amalgamation of insurance business can occur only under a scheme confirmed by the Federal Court (unless it is undertaken in response to a direction from the Australian Prudential Regulation Authority (APRA)[\\[1\\]](#_ftn1)). This Prudential Standard sets out specific requirements in relation to documentation, notification, public inspection and an application to the Court.\n3.  In addition, any transfer or amalgamation of insurance business is subject to the provisions of the Insurance Acquisitions and Takeovers Act 1991 (IATA). The IATA requires compulsory notification of proposals involving the acquisition of any or all of the interests, rights or benefits of an insurer under contracts of insurance where that transfer amounts to 15% or more of the transferring insurer’s premiums or outstanding claims liabilities.\n\n# Documents to be Provided to APRA Prior to an Application Being Made to the Court[\\[2\\]](#_ftn2)\n\n1.  An application to the Court for confirmation of a scheme cannot be made unless, amongst other things, an insurer provides a copy of the scheme and any actuarial reports on which the scheme is based to APRA.[\\[3\\]](#_ftn3)\n2.  These documents must be provided to APRA before:\n\n1.  the notice of intention to apply to the Court for confirmation of the scheme is published;[\\[4\\]](#_ftn4) and\n2.  the summary of the scheme (approved by APRA) has been given to each affected policyholder.[\\[5\\]](#_ftn5)\n\n1.  In practice, the documents will need to be given to APRA before APRA can approve the summary of the scheme, and it is expected that insurers will discuss their intentions with APRA at the earliest opportunity (including arrangements for the provision of actuarial advice on which the scheme is to be based).\n\n# Notification Requirements[\\[6\\]](#_ftn6)\n\n1.  An application to the Court for confirmation of a scheme cannot be made unless, amongst other things, a notice of intention to make the application has been published by the insurer.\n2.  Before publishing a notice of intention an insurer must first secure APRA’s approval of the summary of the scheme.[\\[7\\]](#_ftn7)\n3.  The insurer must publish the notice of intention in a form approved by APRA and in a manner that results in the documents being accessible to the public and reasonably prominent in accordance with paragraph 16.\n4.  The notice of intention must, at a minimum state how an affected policyholder may obtain a copy of the scheme and any actuarial reports relating to the scheme, including providing access to the documents from the insurer’s website, for the duration of the period specified in paragraph 16.\n\n1.  A copy of the scheme must be published at the same time as the notice of intention in paragraph 9 is published under paragraph 16.\n\n# Approved Summary[\\[8\\]](#_ftn8)\n\n1.  An application to the Court for confirmation of a scheme cannot be made unless, amongst other things, a summary of the scheme, approved by APRA (the approved summary), has been given to every affected policyholder.\n2.  Where a scheme summary is accompanied by a letter from the insurer including other information relating to the scheme, the accompanying letter must highlight that the APRA approved summary sets out essential information in relation to the scheme and should be read carefully by affected policyholders.\n3.  The format and content of the approved summary will depend on the circumstances of the transfer, however, the insurer should, at a minimum, advise affected policyholders:\n\n1.  that the insurer proposes to transfer the policyholder’s policy or policies to another insurer, on or after a specified date;\n2.  of the full name and contact details of the other insurer;\n\n1.  of the effect of the transfer (this explanation may be brief and may, for example, explain that from the date of the transfer all rights and liabilities under the policies will be transferred to the other insurer, so that premiums will have to be paid to, and claims will have to be lodged with, that insurer);\n\n1.  of any action the policyholder will need to take before or as a result of the transfer (for example, any changes in arrangements relating to paying premiums or lodging claims);\n\n1.  if the policyholder does not need to take any action before or as a result of the transfer - advise the policyholder accordingly;\n\n1.  how the policyholder can obtain further information relating to the scheme;\n\n1.  that the policyholder has the right to attend the Federal Court and request to be heard by the Court if they believe the scheme may have a detrimental impact on the interests of policyholders as a whole; and\n\n1.  of any proposed changes to the terms and conditions of transferring policies.\n\n1.  The approved summary must be sent to affected policyholders before or at the same time the scheme is published under paragraph 16.\n\n# Publication of Scheme[\\[9\\]](#_ftn9)\n\n1.  A copy of the scheme must be accessible and prominently displayed on the website of each insurer who is to be bound by the scheme together with a copy of the actuarial reports on which the scheme is based (scheme documents). The scheme documents must be accessible from the time the notice of intention in paragraph 9 is published up until the date of the scheme’s confirmation hearing as per paragraph 17.\n\n# Application for Confirmation of Scheme[\\[10\\]](#_ftn10)\n\n1.  An application to the Court for confirmation of a scheme may be made no earlier than:\n\n1.  the day after the day on which a copy of the scheme documents has been published on the insurer’s website for a period of at least 15 days; and\n2.  unless the Court dispenses with the need for compliance with paragraph 17C(2)(c) of the Act[\\[11\\]](#_ftn11) — 15 days after the approved summary of the scheme has been given to every affected policyholder under that paragraph,\n\nwhichever is the later.\n\n# Documents to be Provided to APRA after the Court has Approved a Scheme[\\[12\\]](#_ftn12)\n\n1.  An insurer to which insurance business is transferred, or with whose insurance business any part of the business of another insurer is amalgamated, must give APRA the following documents:\n\n1.  a certified copy of each of the following documents:\n\n1.  the scheme providing for the transfer or amalgamation;\n2.  the Court order confirming the scheme;\n3.  a statement of the assets and liabilities of each insurer associated with the transfer or amalgamation, before and after the transfer or amalgamation;\n\n1.  a statutory declaration by a Director:\n\n1.  setting out, in relation to the transfer or amalgamation:\n\n-   each payment made; and\n-   a reasonable estimate of each payment to be made; and\n\n1.  stating that they reasonably believe that no other payment has been made, or will be made, by, or with the knowledge of, a party to the transfer or amalgamation.\n\n1.  The documents specified in paragraph 18 must be lodged with APRA within 30 days after the transfer or amalgamation is completed.\n2.  An insurer may apply to APRA, in writing, before the end of the 30 day period, for an extension of the time in which to lodge the documents specified in paragraph 18. If APRA believes that the insurer cannot reasonably provide the documents within 30 days, APRA must, within 14 days of receiving an application for an extension, give a written extension of up to 30 days.[\\[13\\]](#_ftn13)\n\nAttachment\n\n## Transfer and Amalgamation of Insurance Business\n\n## (Part III, Division 3A of the Act)\n\n| Order | Task                                                                                                                                                                  | Reference in Standard | Insurance Act section |\n| ----- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------- | --------------------- |\n| 1     | Copy of scheme and any actuarial reports to APRA(Note: at this point APRA can arrange for an independent actuarial review of the scheme under section 17D of the Act) | Para 4-6              | 17C(2)(a)             |\n| 2     | Seek APRA’s approval of: notice of intention approved summary                                                                                                       | Para 7-11Para 12-15   | 17C(2)(b)17C(2)(c)    |\n| 3     |  notice of intention published approved summary to policyholders(Note: these can be done simultaneously)                                                            | Para 7-11Para 12-15   | 17C(2)(b)17C(2)(c)    |\n| 4     | Publish the scheme in a manner that results in a copy being accessible to the public and reasonably prominent                                                         | Para 16               | 17C(3), 17E(2)        |\n| 5     | Make application to Court                                                                                                                                             | Para 17               | 17E                   |\n| 6     | Court can confirm scheme                                                                                                                                              | N/A                   | 17F                   |\n| 7     | If scheme confirmed, documents to be provided to APRA by the transferee                                                                                               | Para 18-20            | 17I                   |","sortOrder":8},{"sectionNumber":"(Part III, Division 3A of the Act)","sectionType":"part","heading":"(Part III, Division 3A of the Act)","content":"## (Part III, Division 3A of the Act)\n\n| Order | Task                                                                                                                                                                  | Reference in Standard | Insurance Act section |\n| ----- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------- | --------------------- |\n| 1     | Copy of scheme and any actuarial reports to APRA(Note: at this point APRA can arrange for an independent actuarial review of the scheme under section 17D of the Act) | Para 4-6              | 17C(2)(a)             |\n| 2     | Seek APRA’s approval of: notice of intention approved summary                                                                                                       | Para 7-11Para 12-15   | 17C(2)(b)17C(2)(c)    |\n| 3     |  notice of intention published approved summary to policyholders(Note: these can be done simultaneously)                                                            | Para 7-11Para 12-15   | 17C(2)(b)17C(2)(c)    |\n| 4     | Publish the scheme in a manner that results in a copy being accessible to the public and reasonably prominent                                                         | Para 16               | 17C(3), 17E(2)        |\n| 5     | Make application to Court                                                                                                                                             | Para 17               | 17E                   |\n| 6     | Court can confirm scheme                                                                                                                                              | N/A                   | 17F                   |\n| 7     | If scheme confirmed, documents to be provided to APRA by the transferee                                                                                               | Para 18-20            | 17I                   |","sortOrder":9},{"sectionNumber":"Order","sectionType":"part","heading":"Order","content":"# Order","sortOrder":10},{"sectionNumber":"Task","sectionType":"part","heading":"Task","content":"# Task","sortOrder":11}],"analysis":{"flash_summary_failed":{"failed":true,"reason":"Unauthenticated. Configure AI_GATEWAY_API_KEY or use a provider module. Learn more: https://ai-sdk.dev/unauthenticated-ai-gateway","source":"analysis-cron"},"kimi_summary":{"content_quality":"ok","complexity_score":4,"scope_assessment":{"changed":false,"description":"This is a straightforward reissue and update of an existing prudential standard (revoking the 2018 version). The scope remains tightly focused on procedural requirements for insurance business transfers and amalgamations, consistent with the original intent under Part III, Division 3A of the Insurance Act 1973. No significant expansion beyond the original purpose is evident."},"complexity_factors":["Multiple cross-references to the Insurance Act 1973 (sections 11, 17C, 17D, 17E, 17F, 17I, 32) and Insurance Acquisitions and Takeovers Act 1991","Sequential procedural requirements with interdependent conditions (e.g., cannot apply to court until both 15-day publication period AND 15-day notification period have passed)","Nested document requirements with specific timing constraints (pre-publication, post-approval, post-completion)","Dual approval mechanisms required (APRA approval of summary + Federal Court confirmation)","13 footnote references creating additional interpretive layers","Duplicate content appears in the source text (full standard repeated twice, attachment tables repeated three times), suggesting formatting complexity in the legislative instrument"],"plain_english_summary":"This law sets rules for general insurers that want to transfer or merge insurance business: transactions must get Federal Court approval, affected policyholders must be notified and companies must publish details, there’s a minimum waiting period before court application, and APRA receives key documents and reports. \n\nIt affects Australian general insurers, their policyholders, and APRA — protecting customers by ensuring transparency, notice, and an opportunity to object."},"flash_summary":{"complexity_score":6,"scope_assessment":{"changed":false,"description":"The instrument continues to apply to all general insurers (Schedule; Prudential Standard ¶1). It revokes the 2018 determination and replaces it with a new standard but does not expand or narrow the class of entities in scope; the change is procedural and documentary rather than a change to who is covered."},"complexity_factors":["Pre‑approval submission requirement: insurers must provide APRA with a copy of the scheme and any actuarial reports before publishing notice or giving the approved summary to policyholders (paras 4–6).","APRA approval of communications: APRA must approve the summary and the form of the notice of intention before publication (paras 7–11; 12–15), giving the regulator gatekeeping control over what policyholders receive.","Public‑access and timing rules: scheme documents and actuarial reports must be publicly accessible and prominently displayed on insurer websites, with a minimum 15‑day publication period before Court application (para 16; para 17).","Federal Court confirmation prerequisite: transfer or amalgamation proceeds only under a scheme confirmed by the Federal Court (para 2; para 17), adding judicial timing and potential delays.","Post‑transfer reporting and attestations: transferee must lodge certified copies, statements of assets and liabilities, and a director’s statutory declaration within 30 days, with a defined extension process requiring APRA’s written decision within 14 days (paras 18–20).","Interplay with other laws and APRA powers: requirement interacts with the Insurance Acquisitions and Takeovers Act 1991 for certain acquisitions (para 3) and allows APRA to arrange independent actuarial review under section 17D (attachment table).","Multiple actors and stages increase coordination costs: insurers, APRA, the Federal Court and actuarial advisers must coordinate across sequential steps, creating compliance and scheduling complexity (paras 4–17)."],"plain_english_summary":"Replaces the prior GPS 410 and sets APRA’s procedure for transfers or amalgamations of general insurers’ business (commencing 1 January 2026). Insurers must give APRA scheme documents and actuarial reports before notifying policyholders, obtain APRA approval of a summary and notice, publish scheme documents publicly for minimum periods, seek Federal Court confirmation, and lodge certified post‑transfer documents — creating timeframes, disclosure duties and APRA approval steps that insurers must follow and that affect affected policyholders’ access to information."}},"importantCases":[],"_links":{"self":"/api/acts/insurance-prudential-standard-determination-no-1-of-2025","history":"/api/acts/insurance-prudential-standard-determination-no-1-of-2025/history","analysis":"/api/acts/insurance-prudential-standard-determination-no-1-of-2025/analysis","conflicts":"/api/acts/insurance-prudential-standard-determination-no-1-of-2025/conflicts","importantCases":"/api/acts/insurance-prudential-standard-determination-no-1-of-2025/important-cases","documents":"/api/acts/insurance-prudential-standard-determination-no-1-of-2025/documents"}}