Regulators worldwide have divergent views on insurer solvency, making any agreement on insurance regulation unlikely as the International Association of Insurance Supervisors develops the Common Framework for the Supervision of Internationally Active Insurance Groups, experts say. The methodology in identifying systemically significant insurers is flawed because it is bank-centric, experts said. "I do not believe the basic business of insurance is systemically risky," said Bradley Kading of the Association of Bermuda Insurers and Reinsurers.