Securing transparency  in competences for the European insurance sector

European Quality Standards

Why do we need joint European quality standards in insurance education?

The European labour market needs transparency of qualifications

Eficert aims to foster comparability and transparency of competences in the insurance industry in order to contribute to a mobile European labor market - in the interest of insurance companies as well as their employees.



Insurance companies have common regulations for qualifications throughout Europe

The European Commission sets the political framework for the European insurance market, and thus, the insurance sector is regulated by various European directives.  The European Insurance and Occupational Pensions Authority (EIOPA) has a mandate to promote transparency, simplicity and fairness in the insurance market throughout the single market. Solvency II, for example, is a European set of rules that defines the solvency requirements for insurance companies. 


There are also EU requirements for the qualification of insurance sales staff, such as the Insurance Mediation Directive (IDD). This is why we discuss these regulations, exchange ideas how to implement new regulations and make suggestions to law makers. 


We ensure that these requirements are met through the qualifications offered by our institutes.

How do we ensure European quality standards?

The SQF 

In Europe, a framework has been introduced in which professionally relevant qualifications can be categorised on a scale of 1 to 8: The European Qualifications Framework (EQF). The member states each have national qualifications frameworks (NQF) that are related to the EQF.


These frameworks are cross-sectoral. eficert has set itself the task of creating a comparative framework specifically for qualifications in the insurance industry: Our Sectoral Qualifications Framework (SQF). 


The SQF is the method to identify knowledge, skills and competences that are specific to the European insurance industry and based on national exams.


What is the certificate?

The award recognizes adherence to specific regulations, indicating compliance within a given framework. This certification aligns qualifications with European standards, utilizing the SQF model based on EQF guidelines. It signifies that qualifications meet recognized benchmarks, fostering compatibility and comparability across European contexts. Upon completion, you will receive both a printed certificate and a digital badge linking to your digital certification.

Which qualifications do we categorise in the SQF?

As a member of the eficert organization you can apply for accreditation to distribute the qualifications of the Sectoral Qualification System (SQF). The accreditation permits you to issue certificates on behalf of eficert to graduates within the insurance industry.