The purpose of this Handbook is to: 1) provide a uniform risk-focused analysis approach to more accurately identify insurers and/or holding company systems experiencing financial problems; and 2) identify prospective risks that pose the greatest potential for developing financial problems. Includes quantitative and qualitative procedures. The overall goal is to assist regulators in evaluating and better understanding insurers' risks in order to develop appropriate corrective action plans sooner, and, therefore, potentially decreasing the frequency and severity of insurance company insolvencies. Updated annually.