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In forceInsurers: AML/CFT (national)Last checked 11 November 2026

Money laundering risk evaluation questionnaire, life insurers (REQ, Life Insurance)

A regulatory return listed by the Central Bank of Ireland (CBI), Ireland.

An annual questionnaire on the life insurer's exposure to money laundering, terrorist financing and sanctions risk (customers, products, geography, transactions) and on its controls. The Central Bank uses it to assess the money laundering and terrorist financing risk of each firm and sector; it also covers data points for the EU Anti-Money Laundering Authority. Source

Official title: Sector specific ML/TF Risk Evaluation Questionnaire - Life Insurance

The facts

Who files
Life insurers: the page lists a sector-specific REQ for life insurers, and the guidance notes say each institution must use the REQ for its sector. Source
How often
Each submission covers a reference date of 31 December of the previous calendar year. Source
Deadline
Submission date 10 March 2027 (REQ page). The first submission, for reference date 31 December 2025, was due 11 September 2026 (guidance notes, section 2). Source
Format
XML. Only XML files built to the published XSD are accepted, uploaded to the Central Bank Portal; the Excel version supports understanding only. Source
How it is filed
Filing routes recorded for the CBI: Central Bank of Ireland Portal (formerly the Online Reporting System, ONR); MiFIR transaction reporting Machine to Machine channel; Online Reporting System (ONR), now linked as 'Credit Union Auditor Reporting'; Email to the Central Bank. See how firms file with the CBI.
Status
In force
Legal basis
Group
Insurers: AML/CFT (national)

Templates (8)

The tables and forms inside the return. Plain name first, the CBI's code in brackets.

  • General (8.2)
  • Inherent Risk (8.3)
  • Mitigation and Control (8.4)
  • Physical Presence (8.5)
  • Residence and Establishment (8.6)
  • Politically Exposed Person (8.7)
  • Geography of Funds Flow (8.8)
  • Transaction Monitoring (8.9)

Sections of the questionnaire as numbered in section 8 of the Life Insurance REQ Guidance Notes v1.1 (inside the Life Insurance Files zip). Source

Validation rules

No published validation rules were found for this return. Only the XSD schema is published, which checks file structure and data types; no list of business validation rules was found. Source

Public data

No published data from this return was found. No published data from this return was found on the Central Bank pages checked. Source

Official documents (2)

The CBI's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see CBI's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Contains Irish Public Sector Information from the Central Bank of Ireland (https://www.centralbank.ie), copyright Central Bank of Ireland, re-used under the Bank's licence for re-use of public sector information (https://www.centralbank.ie/fns/re-use-of-public-sector-information). This library summarises it in plain English and links the originals; the Central Bank of Ireland does not endorse this library.

Last checked 11 November 2026.