UK Critical Illness and Income Protection Insurance 2008
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1 A Datamonitor report UK Critical Illness and Income Protection Insurance 2008 An In-Depth Analysis of the CII and IP Markets Published: Nov-08 Product Code: DMFS2252 Providing you with: Recommendations on how providers can revive growth in these sectors Information on market size and forecasts of market size up to 2012 Competitor premium income and market share data Use this report to... Support your business planning activity
2 UK Critical Illness and Income Protection Insurance 2008 DMFS2252 Introduction This report provides a comprehensive analysis of the UK Critical Illness and Income Protection insurance markets providing market sizing, distribution and competitor information. The report also explores how providers can revive sales in these markets and provides the reader with forecasts of market size up to The UK Critical Illness and Income Protection market displayed another year of poor performance in terms of sales in 2007 and the challenges in the mortgage market are unlikely to help sales in 2008 and However, on the positive side, players have launched some interesting new propositions. Key findings and highlights Datamonitor would advocate providers introducing lite versions of the traditional CII product along the lines of Virgin s Cancer Cover. For instance providers could introduce separate policies aimed at the three most common types of CII claim: cancer, heart attack and strokes. Premiums for CII written as a rider to term insurance have declined significantly since In 2003 premiums totaled 378m however this figure dropped off markedly in 2004 and 2005 and by 2007 premiums totaled 218m, representing a 42.3 per cent fall. Despite an increase in 2006 new business premiums declined by a further 9.9 per cent in Reasons to buy Support your business planning activity Understand market size and growth Benchmark your position against the position of other players in the market Contact us... From Europe: tel: fax: fsinfo@datamonitor.com From the US: tel: fax: usinfo@datamonitor.com From Asia Pacific: tel: fax: apinfo@datamonitor.com From the Middle East: tel: fax: datamonitormena@datamonitor.com
3 Sample pages from the report Special Feature Figure 2: Regular premium life new business premiums are forecast to contract in 2009 before growing between 2010 and 2012 Savings related endowments Mortgage related endowments Mortgage related term Savings related term Whole-of-life Income protection Stand alone critical illness New business premiums, m Market Focus seen annual premiums drop by over 130m and the latter have seen premiums drop by just under 100m. In addition, premiums for savings related endowments have dropped from 126m in 2003 to 47m in Year However, despite this medium term decline, total new business premiums actually increased by 5.1% between 2006 and 2007 led by collective life and savings related term products. These two products saw new business premiums increase by Source: Datamonitor forecasts 15.2% and 14.7% respectively. D A T A M O N I T O R Within the overall protection market, stand alone CII and income protection insurance play a small role, accounting for 8.4% of the market in Income protection new business premiums were 50m in 2007 while stand alone CII premiums were 41m compared to total new business premiums of 1,079m. Figure 3: Regular premium protection new business has fallen since 2003 however premiums picked up in 2007 Distribution Dynamics endowments Mortgage related Savings related endowments Mortgage related term Savings related term Whole-of-life Income protection Stand alone critical illness Collective life Figure 7: The non-intermediated channel grew its share of income protection new business distribution 1,400 significantly in , UK Critical Illness and Income Protection Insurance 2008 DMFS2252 Published 11/2007 Datamonitor. This brief is a licensed product and is not to be photocopied 400 Page 14 New business premiums, m IFA/Whole of market advisor 1,000 Single Tie Bancassurance Non-intermediated Year Income Protection (PHI), m Single Tie(other than bancassurance) Multi-tie Bancassurance Source: Datamonitor, ABI 10 D A T A M O N I T O R Year Source: Datamonitor, ABI D A T A M O N I T O R UK Critical Illness and Income Protection Insurance 2008 DMFS2252 Published 11/2007 Datamonitor. This brief is a licensed product and is not to be photocopied Page 20 UK Critical Illness and Income Protection Insurance 2008 DMFS2252 Published 11/2007 Datamonitor. This brief is a licensed product and is not to be photocopied Page 28 Request more sample pages...for FREE! From Europe: tel: fax: fsinfo@datamonitor.com From the US: tel: fax: usinfo@datamonitor.com From Asia Pacific: tel: fax: apinfo@datamonitor.com From the Middle East: tel: fax: datamonitormena@datamonitor.com
4 UK Critical Illness and Income Protection Insurance 2008 DMFS2252 Table of contents OVERVIEW Catalyst Summary EXECUTIVE SUMMARY There are various strategies that providers can adopt to revive sales of CII and IP - "CII-lite" policies would be a good way to reduce the cost of policies and capture consumers' interest Critical illness insurance is designed to pay out a lump sum on diagnosis of a critical illness while income protection insurance is designed to replace a policyholder's monthly income - Critical illness insurance pays out a lump sum on diagnosis of a critical illness - Income protection insurance is designed to provide a monthly income should the policyholder not be able to work through injury or ill health New business premiums for IP held flat in 2007 while CII written as a rider product declined significantly - Income protection new business premiums have declined significantly between 2003 and 2007 while stand alone critical illness insurance premiums have remained flat - Premiums for CII written as a rider to term insurance have declined considerably since 2003 Providers are making moves to innovate their product sets SPECIAL FEATURE: HOW TO BRING ABOUT A TURNAROUND IN THE FORTUNES OF IP AND CII Providers should consider introducing low cost "CII-lite" policies that are more aligned with the prices consumers are willing to pay - A key barrier to sales is the cost of CII - "CII-lite" policies would be a good way to reduce the cost of policies and capture consumers' interest Providers should focus on pushing CII and IP business through direct players and aggregators More insurers should seek to speed up the underwriting of IP - Financial and medical underwriting can take a significant amount of time - Insurers should consider increasing financial underwriting limits - More insurers should implement tele-underwriting Providers should focus on increasing public trust in IP - Many consumers and advisers have lost trust in IP - Zurich recorded a high percentage of paid CII claims - Many providers increased the proportion of CII claims paid in Insurers should organize an industry wide advertising campaign to promote protection products The protection market is set to contract in 2009 before growing thereafter - A contracting mortgage market will mean new business premiums fall in Premiums will rise as the economy and mortgage market recover - The credit crunch may have positive and negative effects on CII and IP sales MARKET FOCUS Critical illness insurance is designed to pay out a lump sum on diagnosis of a critical illness and prices are heavily influenced by consumers' age, gender, health and family medical history - Critical illness insurance pays out a lump sum on diagnosis of a critical illness - ABI members must cover the 23 ABI critical illness conditions in their policies - Underwriters are interested in applicant's age, gender, health and medical history Income protection insurance is designed to replace a policyholder's monthly income should they be unable to work due to injury or ill-health - Income protection insurance is designed to provide a monthly income should the policyholder not be able to work through injury or ill health - The definition of incapacity is important when choosing an income protection policy Parts of the state benefit system are due to change in October 2008 which may effect the IP market favorably - The government is replacing incapacity benefit with Employment Support Allowance in October 2008 which may reduce the number of new IP claims New business premiums for IP and standalone CII held flat in 2007 while CII written as a rider product declined significantly...datamonitor would advocate is providers introducing lite versions of the traditional CII product along the lines of Virgin s Cancer Cover... UK Critical Illness and Income Protection Insurance 2008
5 - Total regular premium protection new business declined by a compound annual rate of 4.1% between 2003 and Income protection new business premiums have declined significantly between 2003 and 2007 while stand alone critical illness insurance premiums have remained flat - Premiums for CII written as a rider to term insurance have declined considerably since The number of new contracts for IP and stand alone CII increased significantly in 2007 DISTRIBUTION DYNAMICS The IFA/Whole of market advisor channel dominates the distribution of IP and stand alone CII insurance however the non-intermediated channel is growing quickly in the IP market - The non-intermediated channel grew its share of income protection new business distribution significantly in The IFA/whole of market advisor channel continued to dominate the distribution of stand alone CII in 2007 however it did lose market share COMPETITIVE DYNAMICS Legal & General leads the market in accelerated CII products - Legal & General was the clear leader in accelerated CII in AIG was the largest provider of standalone CII - Friends Provident was the top IP insurer in 2007 Providers are making moves to innovate their product sets - Friends Provident has made a number of changes to its proposition to enable faster processing of applications - Fortis has shaken up the market with an innovative lower cost product combining a number of products into one policy - Legal & General has also taken steps to speed up the application process and has signed several new partnerships - LV= has launched a new product called Mortgage & Lifestyle Protection which is an interesting combination of MPPI and IP - Aviva has added several benefits to its CII policies and launched a new IP proposition - Products - ABI definitions of distribution channels Further reading Ask the analyst Datamonitor consulting Disclaimer LIST OF TABLES Table 1: Claims paid and claims declined data, selected providers, 2007 Table 2: Forecast total regular premium life market, new business premiums, m Table 3: Total regular premium life market, new business premiums, m Table 4: Total regular premium life market adjusted for rider products, new business premiums, m Table 5: Total regular premium life market, number of new contracts Table 6: Income protection distribution, , ( m APE) Table 7: Stand alone critical illness insurance distribution, ( m APE) Table 8: Accelerated CII new business premiums, ( 000) Table 9: Standalone CII new business premiums, ( 000) Table 10: Income protection new business premiums by competitor, ( 000) LIST OF FIGURES Figure 1: Zurich paid the highest proportion of CII claims of the four providers Figure 2: Regular premium life new business premiums are forecast to contract in 2009 before growing between 2010 and 2012 Figure 3: Regular premium protection new business has fallen since 2003 however premiums picked up in 2007 Figure 4: New business premiums for income protection insurance have declined between 2003 and 2007 while stand alone CII premiums have held fairly flat Figure 5: New business premiums for CII written as a rider to term insurance outweigh stand alone CII premiums For a full list of tables and figures please refer to APPENDIX Definitions...LifeSearch has been particularly active in the market over the past 12 months. In July it launched a brand new product called Real Life Cover which will be sold initially by new entrant Fortis Life... UK Critical Illness and Income Protection Insurance 2008
6 UK Critical Illness and Income Protection Insurance 2008 DMFS2252 Datamonitor: Your total information solution Datamonitor is a premium business information company helping 5,000 of the world's leading companies across the Automotive, Consumer Markets, Energy, Financial Services, Healthcare and Technology sectors. Our products and services are specifically designed to support our clients key business processes from corporate strategy to competitive intelligence. We provide an independent and trustworthy source of data, analysis and forecasts to improve these processes and ultimately, to help grow your business. Corporate Strategy and Business Planning Quality Data Make more effective strategic and business decisions Product Development and Commercialization Targeting and Influencing the Market Expert Analysis Accelerate delivery of commercial success Assess and influence your commercial and market environment HELPING TO GROW YOUR BUSINESS Market and Competitive Intelligence Future Forecasts Maintain or obtain critical competitive advantage Nothing speaks louder than our clients Abbey ABN AMRO AIB Bank AIG Alliance & Leicester American Express AXA Bank of Ireland Barclays BNP Paribas Bradford & -Bingley BUPA Capital One Citibank Commerzbank Co-operative Group Crédit Agricole Crédit Lyonnais Credit Suisse Deutsche Bank Dresdner Bank Fortis Friends Provident Gartmore GE Group Halifax Plc HBOS HFC HSBC ING Intelligent Finance Invesco JP Morgan Legal & General Lloyd s of London Lloyds TSB Marsh MBNA Merrill Lynch National Australia Group Nationwide Building Society NFU Mutual NM Rothschild Nordea Asset Management Prudential Rabobank Royal & SunAlliance Royal Bank of Scotland Scottish Widows Skandia International Société Générale Standard Life Group UBS VISA Western Union Zurich Group...For 91 per cent of our clients, Datamonitor research helps their company to respond to competitive threats... Source: Datamonitor Customer Research
7 Interested in this topic? The Life and Pensions portfolio is focused on the key components of the industry, encompassing products and competitors, distribution channels and markets, and researching and analyzing the wider picture of regulation and deregulation. We provide core intelligence on the face of the life and pensions universe tomorrow - today. The program is a must-have for all those seeking understanding of and direction in the modern long-term savings and protection marketplace. Other reports available in this series UK Term Assurance 2008 The report examines the UK Term Assurance market in its context and the role of distribution. It focuses on challenges the market face in the future and what industry players can do to address the issues. Published: Nov-08 Product Code: DMFS2251 UK Investment Bonds 2008 UK Invesment Bonds 2008 reviews the major issues faced by the investment bond market. The report offers market insight in relation to product and technological innovations that are ensuriing the continued viability of the bond. Published: Oct-08 Product Code: DMFS2249 For more information about our products visit Subscribe to Monitor A monthly update of Datamonitor's new financial services products, delivered to you by . monitor@datamonitor.com
8 UK Critical Illness and Income Protection Insurance 2008 DMFS2252 Place your order now... Fax back to (from Europe), (from the US) (from the Middle East), or (from Asia Pacific) I would like to order: Product title Product code Price / / $ / * * Please refer to our website for up-to-date prices Complete your details: Name Job Title Department Complete payment details: Please indicate your preferred currency option: UK Euro US$ Yen I enclose a check payable to Datamonitor Ltd for (+ p+p $30 UK / $60 rest of world) Please invoice my company for (+ p+p $30 UK / $60 rest of world) Company Address State/Province Post Code/ZIP Please supply purchase order number here if required by your accounts department: EU companies (except UK) must supply: VAT / BTW / MOMS / MWST / IVA / FPA number: Country Tel Fax Sign below to confirm your order: Datamonitor products and services are supplied under Datamonitor s standard terms and conditions, copies of which are available on request. Payment must be received within 28 days of receipt of invoice. I do not want to receive future mailings from Datamonitor and its related companies. Occasionally, our client list is made available to other companies for carefully selected mailings. Please check here if you do not wish to receive such mailings. Datamonitor Ltd. Registered in England. Registered No Registered Office: Finchley Road, London NW3 5JJ DMFS2252WEB From Europe: tel: fax: fsinfo@datamonitor.com From the US: tel: fax: usinfo@datamonitor.com From Asia Pacific: tel: fax: apinfo@datamonitor.com From the Middle East: tel: fax: datamonitormena@datamonitor.com Contact us to find out more about our products and services
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