Insurance Industry - Global Outlook

Transcription

1 Brochure More information from Insurance Industry - Global Outlook Description: The global outlook series on the Insurance Industry provides a collection of statistical anecdotes, market briefs, and concise summaries of research findings. Illustrated with 68 fact-rich market data tables, the report offers a rudimentary overview of the industry and highlights latest trends and demand drivers. Regional markets briefly abstracted and covered include United States, Canada Europe (France, Germany, Italy, United Kingdom, Spain, and Russia among others), Asia Pacific (Japan, Australia, New Zealand, China, Hong Kong, India, Malaysia, Singapore, South Korea, Taiwan and Vietnam), Middle East, and Latin America (Argentina, Brazil, and Mexico. The report offers a compilation of recent mergers, acquisitions, and strategic corporate developments. Also included is an indexed, easy-to-refer, fact-finder directory listing the addresses, and contact details of 2143 companies worldwide. Please note: Reports are sold as single-site single-user licenses. Electronic versions require hours as each copy is customized to the client with digital controls and custom watermarks. For information on site licence pricing please click on Enquire before buying Contents: INSURANCE INDUSTRY A GLOBAL OUTLOOK, JANUARY 2012 CONTENTS 1. INDUSTRY OVERVIEW 1 Overview 1 Insurance Density and Penetration 2 Table 1: Insurance Density in the Global Market (2011): Breakdown of Premium Per Capita (In US$) by Select Countries 2 Table 2: Insurance Penetration in the Global Market (2011): Breakdown of Market Penetration Rates (in %) by Select Countries 3 Industry Paradigm Shifts 3 Outlook 4 Table 3: Global Market for Insurance by Geographic Region - USA, Canada, Europe, Asia-Pacific (including Japan), Latin America, and Rest of World Markets Independently Analyzed with Annual Premiums in US$ Billion for Years 2010 through Table 4: Global 5-Year Perspective for Insurance Industry by Geographic Region - Percentage Share Breakdown of Annual Premium for US, Canada, Europe, Asia-Pacific (including Japan), Latin America, and Rest of World Markets for Years 2011 & Emerging Markets Take Center Stage 6 Look East Policy of Investors 7 Mix of the Strategies 7 Key Market Drivers, Trends & Issues 7

2 The New Risk Management Culture Bodes Well for the Insurance Industry 7 Insurance Brokerage Firms Expand their Offerings to Include Full Suite of Risk Management Services 8 Insurance for Valuable Collections - An Excellent Opportunity for Insurance Firms 8 Table 5: HNWI Population Worldwide (2011): Breakdown of Number of High- Net-Worth Individuals (HNWIs) by Geographic Region 9 Table 6: HNWI Wealth Worldwide (2011): Percentage Share Breakdown of HNWI Wealth Value by Geographic Region 9 Environmental Risk Insurance - An Emerging Opportunity 9 Robust Demand in Store for Kidnap and Ransom Coverage And Insurance 10 Consolidations Continue 10 Graying of Baby Boomers Boost Insurance Market 10 Bancassurance Gains Wide Acceptance 10 New Regulations Improve Corporate Governance 10 Credit Insurance Sector Poised for Substantial Growth 11 Anti-Money Laundering Laws for Insurers 11 Global Warming Posing Threat to Insurance Industry 11 Traditional Regulations Plague Insurance Markets 11 Review of Global Insurance Market by Sector 12 Table 7: Global Insurance Market (2011) - Percentage Share Insurance & Non-Life Insurance 12 Life Insurance 13 Renewed Life in the Market 13 Changing Landscape 13 Regional Markets 13 Table 8: Global Market for Life Insurance (2011) - Percentage Share Breakdown of Annual Premiums by Region/Country - USA, Canada, Japan, Europe, Asia-Pacific (excluding Japan), Latin America, and Rest of World Markets 14 Bright Spots 14 Robust Opportunities in Store 14 Rising Healthcare Costs Prop Up Health Insurance Volumes 15 Table 9: US Annual Healthcare Expenditure (In US$ Billion) for Years 2007 Through Non-Life Insurance 15 Table 10: Global Market for Non-Life Insurance (2011) - Percentage Share Breakdown of Annual Premiums by Country/Region - US, Canada, Japan, Europe, Asia-Pacific (Excluding Japan), Latin America and Rest of World Markets 16 Auto Insurance 16 Homeowners Insurance 16 Health Insurance 17 Global Health Care Industry - Opportunities Abound 17 Marine Insurance 18 Table 11: Global Marine Insurance Industry (2011): Percentage Breakdown of Premiums by Region - Asia-Pacific, Europe, North America, andrest of World 18 Political Risk Insurance 18 Competitive Landscape 19 Table 12: Top-10 Insurance Companies in the Global Market (2010): Breakdown of Revenues in US$ Billion by Leading Players 19 Top-10 Life/Health Insurance Companies in the Global Market (2010): Players Ranked on Basis of Annual Revenue 20 Top-10 Players Property/Casualty Insurance Companies in the Global Market (2010): Players Ranked on Basis of Annual Revenue 20

3 Global Reinsurance Industry - A Review 20 Intensification of World Reinsurers 21 Leading Global Reinsurers 21 Table 13: Global Reinsurance Industry (2010): Breakdown of Net Reinsurance Premiums Written in US$ Billion by Leading Players 21 Global - Multi-line Insurance 21 Competitive Landscape 22 Leading Players MERGERS AND ACQUISITIONS STRATEGIC CORPORATE DEVELOPMENTS 81 A REGIONAL MARKET PERSPECTIVE UNITED STATES 87 Industry Overview 87 Current Market Scenario 87 Table 14: Insurance Industry in North America (2011): Percentage Share Contribution of Direct gross insurance premiums to GDP by Country 87 Market consolidation 87 Market Analysis By Segment 88 Table 15: US Insurance Market (2011) - Percentage Share Insurance & Non-Life Insurance 88 Life Insurance 88 Challenges in the US Life Insurance Industry 89 Changing Face of Life Insurance Distribution 89 Non-Life Insurance 89 Property & Casualty Insurance 89 Challenges Facing the Property/Casualty Industry 90 An Overview of Arson 90 Health Insurance 91 Market Parameters 91 Factors Affecting Growth 91 Agricultural Insurance - Demand to Grow 92 Home Insurance Coverage 92 Seven Basic Kinds of Home Insurance Policies 92 Covered and Not Covered Events of Casualty/Damage in Home Insurance 94 Homeowners Insurance Policies - Private Insurers Repulsing 94 Deductibles in Homeowners Insurance 94 Renters Insurance in Brief 95 Marine Insurance 96 Construction Insurance - Shrinking Coverage 96 Liability Insurance - A Major Concern 96 Space Insurance 98 Trouble Brewing in the US Space Insurance Industry 98 Space Tourism to Propel the Future 98 Regulatory Issues 98 Pet Insurance 99 Travel Insurance - Key Statistics 99 Table 16: US Travel Insurance Market (2011): Percentage Market Share Breakdown by Type of Travel Insurance 100 Auto Insurance 100 Types of Auto Insurance Coverages 100 Auto Insurance Premiums: A Review 101 Factors Affecting Insurance Premium 102 US Auto Insurers Gear Up to Tap Generation Y Market 102 Reinsurance 102

4 Online Life and Health Insurance 103 Overview 103 Market Trends and Issues 103 Trends Prevailing in the Industry 103 Regional Insurers Gain Ground 104 Risk is the Bait for Business 104 Small Insurers Keep Afloat 104 US Insurance Industry Hit Hard by Global Climate Change 104 Need to Overcome Hurdles 105 Insurance Frauds - A Major Challenge to the Industry 105 Insolvencies 105 Managing Solvencies/Insolvencies 107 Guaranty Funds 107 Mails Play a Vital Role in the US Insurance Industry 108 Demand for LTC Insurance Likely to Pop Up 109 LTC Insurance Witnesses Rapid Consolidation and Stricter Underwriting 109 Life/Health Insurance Companies in Transition Mode 109 Individual Disability Insurance Market Makes a Turnaround 109 Competitive Landscape 110 Functioning of Insurance Companies 110 Comparative Study of the US vis-à-vis Europe 110 Outlook CANADA 112 Market Overview 112 Table 17: Canadian Insurance Market (2011) - Percentage Share Insurance & Non-Life Insurance 112 Mergers & Acquisition and Overseas Sales: Driving the Market 113 Insurance-Related Organizations and their Functions 113 Insurance Rate System 114 Insurance Types & Coverage 114 Property 114 Boiler and Machinery 114 Crime 114 Marine 115 Engineering/Construction 115 Automobile 115 Liability 115 Workers Compensation/Employers Liability 116 Reinsurance 116 Trends 116 Industry Shows Glimpse of Maturity 116 Changing Face of Canadian Insurance Distribution 117 Fraud Detection System 117 Two-Tiered Landscape 117 The Traditional Channel 117 Career Agency System 117 Direct Brokerages 118 The Contemporary Channel 118 National Distribution Model 118 Distribution Consolidators 118 Bank Distribution 118 IDA Firms Witness Decline in Insurance Sales 119 Property & Casualty Insurance 119 A Fragmented Industry 119 Key Issues 119 Mounting Health Care Costs Threaten Industry 119 Stringent Regulations Create Market Imbalance 120 Frequent Natural Disasters Hamper Industry s Growth 120 High Taxes Burden Industry 120 Insurance Crimes on Rise 121

5 Regulatory Framework EUROPE 122 Industry Overview 122 The Changing Face of the European Insurance Market 122 Deregulation Regulating the Market s Growth? 122 Outlook 123 UK Leads the Way 123 Table 18: European Market for Insurance by Geographic Region - France, Germany, Italy, UK, Spain, Russia, Rest of Europe Markets Independently Analyzed with Annual Premiums in US$ Billion for Years 2010 through Table 19: European 5-Year Perspective for Insurance Industry by Geographic Region - Percentage Share Breakdown of Annual Premiums for France, Germany, Italy, UK, Spain, Russia, Rest of Europe Markets for Years 2011 & Table 20: Insurance Industry in Europe (2011): Percentage Share Contribution of Direct gross insurance premiums to GDP by Select Country 126 Eastern Europe Promises Huge Potential 126 Major Trends 126 Changing Market Environment 126 Europe Leads in Bancassurance 127 Table 21: European Life Assurance Products Market (2011): Percentage Breakdown of Number of Products Sold through Banks in Select European Countries 127 Competition Rules 128 Multi-Trip Policies Gaining Attention 128 Analysis by Segment 128 Life-Insurance 128 Table 22: European Life Insurance Market (2011): Percentage Share Breakdown of Value of Life Premiums by Type of Contract 128 Non-Life Insurance 128 Table 23: European Property & Casualty and Accident Insurance Market (2011): Breakdown of Premiums by Type of Product 129 Health Insurance 129 Travel Insurance 129 In Sync with Health Insurance 129 3a. FRANCE 130 Market Overview 130 Table 24: French Insurance Market (2011) - Percentage Share Insurance & Non-Life Insurance 130 Life Insurance 130 Non-Life Insurance 130 Property and Casualty Insurance: Market Overview 130 Commercial Property Insurance 131 Health Insurance 131 Auto Insurance 131 High Mortalities from Auto Accidents 131 Marine Aviation Transport (MAT) Insurance 132 Distribution Channels Play a Vital Role 132 Table 25: French Life Insurance Market (2011): Percentage Share Breakdown of Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 132 Table 26: French Non-Life Insurance Market (2011): Percentage Share Breakdown of Non-Life Insurance Premiums (Gross Written

6 Premiums) by Type of Distribution Channel 133 3b. GERMANY 134 Market Overview 134 Insurance Penetration in German Households 134 Table 27: German Insurance Market (2011) - Percentage Share Insurance & Non-Life Insurance 134 Non-Life Insurance Sector - A Review 135 Health Insurance - Key Focus Area 135 Principal Issues 135 Key Distribution Statistics 136 Table 28: German Life Insurance Market (2011): Percentage Share Breakdown of Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 136 Table 29: German Non-Life Insurance Market (2011): Percentage Share Breakdown of Non- Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 136 3c. ITALY 137 Market Overview 137 Insurance - A Move Towards Rationalization 137 Banks in the Italian Insurance Business 137 Analysis by Segment 137 Table 30: Italian Insurance Market (2011) - Percentage Share Insurance & Non-Life Insurance 138 Distribution System in Italian Insurance Industry 138 Table 31: Italian Life Insurance Market (2011): Percentage Share Breakdown of Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 138 Table 32: Italian Non-Life Insurance Market (2011): Percentage Share Breakdown of Non- Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 139 Competition 139 Table 33: Life Insurance Market in Italy (2010): Percentage Share Breakdown of Gross Written Premiums (GWP) by Company 139 Table 34: Non-Life Insurance Market in Italy (2010): Percentage Share Breakdown of Gross Written Premiums (GWP) by Company 139 3d. UNITED KINGDOM 140 Market Overview 140 Outlook 140 Future Trends 140 Consumer Trends 141 Consumer Preferences 141 Analysis by Market Segment 141 Table 35: UK Insurance Market (2011) - Percentage Share Insurance & Non-Life Insurance 141 Table 36: UK Long Term Insurance Market (2011): Percentage Share Breakdown of Net Premium Income by Type of Premium - Single Premium or Regular Premium 142 Motor Insurance Offer Low Returns on Capital 142 Other Noteworthy Trends 142 Mutual Insurance Gains Ground 142 Online Insurance on Rise 142 Other Key Statistics 143

7 Table 37: UK Insurance Market (2011): Percentage Share Breakdown of Net Written Premiums by Risk Type 143 Table 38: UK Life Insurance Market (2011): Percentage Share Breakdown of Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 143 Table 39: UK Non-Life Insurance Market (2011): Percentage Share Breakdown of Non-Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 143 Table 40: UK Personal Motor Insurance Market (2011): Percentage Share Breakdown of Gross Written Premium (GWP) Distributed by Distribution Channel 144 Table 41: UK Travel Insurance Market (2011): Percentage Share Breakdown of Gross Written Premium (GWP) Distributed by Distribution Channel 144 Table 42: Taxes on Insurance Companies in UK (2011): Percentage Share Breakdown of Tax Value Borne by Companies by Tax Type 144 3e. SPAIN 145 Industry Overview 145 Review of Sectors 145 Life Insurance 145 Life and Pensions Sector - Growing Robustly 145 Growth Barriers 145 Medical Insurance 145 Distribution/Marketing Channels 146 Table 43: Spain Life Insurance Market (2011): Percentage Share Breakdown of Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 146 Table 44: Spain Non-Life Insurance Market (2011): Percentage Share Breakdown of Non- Life Insurance Premiums (Gross Written Premiums) by Type of Distribution Channel 146 3f. RUSSIA 147 Industry Overview 147 Insurance Industry Outpaces GDP Growth 147 Role of Foreign Insurers in Russia 147 Review of the Sectors 147 Life and Savings Market 147 Automobile Insurance 148 Outlook 148 3g. REST OF EUROPE 149 3ga. GREECE 149 Market Overview 149 3gb. LITHUANIA 150 Market Overview 150 3gc. NETHERLANDS 151 Industry Overview 151 Review of the Sectors 151 Table 45: Netherlands Insurance Market (2011) - Percentage Share Breakdown of Value of Insurance Premium by Segment - Life Insurance & Non-Life Insurance 151 Life Insurance - Growing Significantly 151

8 Health/Disability Insurance 152 3gd. SCANDINAVIA 153 Unit Linked Business in Scandinavia 153 A Prosperous Region 153 Good Prospects 153 Baltic Countries: Pension Reforms - Agenda for Growth 153 3ge. SWITZERLAND 154 Industry Overview 154 Outlook 154 3gf. BELGIUM 155 Market Overview 155 Life Insurance 155 3gg. CENTRAL AND EASTERN EUROPE 156 Market Overview 156 Life Insurance Sector Flourishing 156 Motor Insurance Stimulates Growth in Non-Life 156 3gh. CZECH REPUBLIC 157 Industry Structure 157 Financial Services Companies 157 Outlook 157 Headed for a Reforms-Driven Growth 157 Competitive Scenario 158 Table 46: Czech Republic Non-Life Insurance Market (2010): Breakdown of Gross Written Premiums of Leading Companies 158 Table 47: Czech Republic Life Insurance Market (2010): Breakdown of Gross Written Premiums of Leading Companies 158 3gi. DENMARK 159 Market Overview 159 Competitive Landscape 159 3gj. FINLAND 160 Market Overview 160 Financial Services Convergence Takes Wings 160 Competitiveness Reaches New Heights 160 Forming Alliances: Order of the Day ASIA-PACIFIC 161 Market Overview and Outlook 161 Table 48: Asia-Pacific Market for Insurance by Geographic Region - Japan, China, India, Australia, Hong Kong, South Korea, and Rest of Asia-Pacific Markets Independently Analyzed with Annual Premiums in US$ Billion for Years 2010 through Table 49: Asia-Pacific 5-Year Perspective for Insurance Industry by Geographic Region - Percentage Share Breakdown of Annual Premiums for Japan, China, India, Australia, Hong Kong, South Korea, and Rest of Asia- Pacific Markets for Years 2011 & Potential of the Asia-Pacific Region 163 Bancassurance Growing Swiftly 164 Life and Health Reinsurance Market 164 Property & Casualty Insurance Market 164 4a. JAPAN 165 Industry Review 165

9 Japan - The Second Largest Insurance Market Worldwide! 165 Foreign Players Make Presence Felt 165 Foreigners Reign 165 Analysis by Market Segment 166 Table 50: Japanese Insurance Market (2011) - Percentage Share Breakdown of Value of Insurance Premium by Segment - Life Insurance & Non-Life Insurance 166 Life Insurance on Brink of Saturation 166 Non-Life /P&C/General Insurance 166 Distribution 167 Automobile Insurance 167 Fire Insurance 167 Personal Accident Insurance 167 4b. AUSTRALIA 168 Industry Overview 168 An Effective Distribution System 168 Review of the Sectors 168 Life Insurance 168 General/Non-Life Insurance 169 Health Insurance 169 Reinsurance Industry 170 4c. NEW ZEALAND 170 Market Overview 170 Regulatory Framework 170 4d. CHINA 171 Market Overview 171 Market Trends and Issues 171 Rise in Foreign Insurers Energize Insurance Market 171 Deregulation of Insurance Industry Boosts Growth of P&C Insurance Sector 171 Chinese Export Credit Insurance Market Picking Up 172 High Savings Rates Prop Growth 172 Market Segments 172 Table 51: Chinese Insurance Market (2011) - Percentage Share Breakdown of Value of Insurance Premium by Segment - Life Insurance & Non-Life Insurance 172 Life Insurance Market 172 A Marked Tilt Towards Life 172 Boom in Auto Market - A Boon for Auto Insurance Segment 173 4e. HONG KONG 174 Market Overview 174 A Leading Insurance Market in Asia-Pacific 174 Strong Foothold of Foreign Insurers 174 Long Term Insurance Services 174 CEPA Agreement Sparks Growth in Hong Kong Insurance Market 175 Multi-Channel Distribution Grows in Popularity 175 Non-Life/General Insurance 175 4f. INDIA 176 Market Overview 176 A Promising Market 176 New Distribution Channels Gaining Acceptance 176 Industry Perspective 177 Table 52: Indian Insurance Market (2011) - Percentage Share Insurance & Non-Life Insurance 177 Life Insurance 177 Penetration of Life Insurance 177 Table 53: Life Insurance Market in India (2011): Percentage

10 Breakdown of Premium Income by Sector - Government Sector, and Private Sector 178 Non-Life Insurance 178 Table 54: Non-Life Insurance Market in India (2011): Percentage Breakdown of Premium Income by Sector - Government Sector, and Private Sector 178 Outlook 178 Competition 179 Table 55: Indian Non-Life Insurance Market (2010): Breakdown of Gross Written Premiums of Leading Companies 179 Table 56: Indian Life Insurance Market (2010): Breakdown of Gross Written Premiums of Leading Companies 180 4g. MALAYSIA 181 Market Overview 181 A Booming Insurance Industry 181 Innovative Policies and Measures Reinforce Insurance Sector 181 4h. SINGAPORE 183 Market Overview 183 Among the Most Prominent Reinsurance Centers 183 Steps in the Right Direction 183 Government s Support Drives the Growth of Insurance Market 184 Tax Exemption Scheme for Offshore Marine Hull & Liability Insurance Business 184 Abolition of Withholding Taxes on Financial Guarantee Insurance Contracts 184 Scheme for Tax-Deductible Special Reserves 184 Life Insurance 184 Property & Casualty Insurance 185 4i. SOUTH KOREA 186 Market Analysis by Segment 186 Table 57: Korean Insurance Market (2011) - Percentage Share Breakdown of Value of Insurance Premium by Segment - Life Insurance & Non-Life Insurance 186 Major Trends 186 Chinese Market Offers Greener Pastures for Korean Insurers 186 Online Motor Insurance Rapidly Gaining Ground 186 Bancassurance Boosts Life Insurance Market 187 But also Brews Rift Between Banks and Insurers 187 4j. TAIWAN 188 Market Overview 188 Life Insurance 188 Trends 188 Interest Rate Environment Restricts Growth of Life Insurance Products 188 Opportunity to Expand to Mainland China Sparks Insurance Industry Growth 188 4k. VIETNAM 189 Market Overview 189 Insurance Markets to Grow 189 Foreign Insurers Make Mark in Vietnamese Insurance Market 189 Foreign Insurers Increasingly Rely on Joint Ventures to Enter Vietnamese Market MIDDLE EAST 190 Market with Significant Potential 190 Table 58: Insurance Industry in Middle East (2011): Percentage Share Contribution of Direct gross insurance

11 premiums to GDP by Select Country 190 Iraq Offers Great Opportunity for Insurance Industry 191 Major Challenges 191 Outlook 191 Reinsurance Sector 192 Life and Non-Life Insurance 192 United Arab Emirates (UAE) 192 Industry Overview 192 East Africa 193 Market Overview LATIN AMERICA 194 Market Overview 194 Table 59: Latin American Market for Insurance by Geographic Region -Argentina, Brazil, Mexico, and Rest of Latin America Independently Analyzed with Annual Premiums in US$ Billion for Years 2010 through Table 60: Latin American 5-Year Perspective for Insurance Industry by Geographic Region - Percentage Share Breakdown of Annual Premiums for Argentina, Brazil, Mexico, and Rest of Latin American Markets for Years 2011 & Private Pension and Life Insurance - In the Growth Mode 195 The Foreign Dominion 195 Changing Face of Reinsurance 196 Infrastructure Development Attracts Foreign Investment 196 6a. ARGENTINA 197 Market Overview 197 Foreign Participation - Positive for the Market 197 6b. BRAZIL 198 Market Overview 198 Table 61: Adult Insurance Market in Brazil (2011): Percentage Breakdown of Number of Individuals with Insurance by Region 198 Table 62: Household Penetration of Insurance in Brazil (2011): Percentage Breakdown of Number of Households with Insurance by Area 198 Table 63: Brazilian Insurance Market (2011): Percentage of Monthly Household Expenditure on Insurance by Area 199 Table 64: Brazilian Insurance Market (2011): Percentage of Monthly Household Expenditure on Insurance by Region 199 Banks and Foreign Capital - The Lifeblood of Brazilian Insurance Industry 199 Life and Health Insurance - Growth Avenues of Future 199 Major Perils 200 Competition 201 Table 65: Brazilian Non-Life Insurance Market (2010): Breakdown of Gross Written Premiums of Leading Companies 201 Table 66: Brazilian Life Insurance Market (2010): Breakdown of Gross Written Premiums of Leading Companies 202 6c. MEXICO 203 Market Overview 203 Competitive Landscape 203 Outlook 203 Auto Insurance 203 6d. PERU 204

12 Key Player Statistics 204 Table 67: Non-Life Insurance Market in Peru (2010): Breakdown of Gross Written Premiums of Leading Companies 204 Table 68: Life Insurance Market in Peru (2010): Breakdown of Gross Written Premiums of Leading Companies 204 GLOBAL DIRECTORY Ordering: Order Online - Order by Fax - using the form below Order by Post - print the order form below and send to Research and Markets, Guinness Centre, Taylors Lane, Dublin 8, Ireland.

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