For general insurance, the Required Solvency Margin is calculated on the basis of the premiums written and claims incurred by the firm. A risk factor is applied, to reflect the differing risk profiles of different classes of insurance. For long term insurance, the Required Solvency Margin is calculated on the basis of the aggregate of the mathematical reserves calculation and the capital sum at risk calculation. Refer to CA-2 for the detailed rules governing the calculation of the Required Solvency Margin.