The objective of the studies is to help the Commission in applying the EU competition rules to the insurance sector. The issues under consideration have also been highlighted by the stakeholders during the IBER public consultation process. The public consultation aimed to gather evidence regarding the implementation of the IBER (Insurance Block Exemption Regulation, Commission Regulation (EU) No 267/2010, OJ L 83, 30.3.2010, p. 1) and the way forward for the Regulation. The identified issues that merit further analysis are: (study 1) switching of tangible and intangible assets between different insurance products; and (study 2) different forms of cooperation of insurance companies and their respective impact on competition. The studies shall gather facts, analyse existing data and discuss current thinking to adequately address these problems. The work must be grounded in a thorough economic and legal analysis. This will include, but will not be limited to, the application of relevant theory and empirical methods.