Market Overview. September 23, 2004
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1 Market Overview September 23, 2004
2 Agenda Overview : US Market Annuity Sales Annuity Market Competition AXA Financial Annuity Market Share and Rank Life Sales Life Insurance Market Competition AXA Financial Life Insurance Market Share and Rank French Media September 23,
3 The US market has over $15 trillion in managed assets Non-Retirement: $7.5 Trillion Mutual Funds Separate accounts Managed accounts Trusts Endowments Retirement: $7.8 Trillion Defined Benefit Employee Sponsored Pension Tax Sheltered Annuities Deferred Annuities IRA s Source: Merrill Lynch Research, Asset Management November 14, 2003 French Media September 23,
4 AXA Financial is a leading asset manager in the U.S. market America's top money managers Rank AUM $B Firm State Street Global Advisors Barclays Global Investors Fidelity Investments Capital Group Cos Citigroup Mellon Financial Corp J.P. Morgan Fleming Asset Mgmt AXA Financial (includes Alliance Capital) Vanguard Group Merrill Lynch Investment Managers Prudential Financial American Express Co Other AIG Global Investment Group U.S MetLife Insurers John Hancock Financial Services Hartford Investment Mgmt Co Source: Institutional Investor, July 2004 French Media September 23,
5 Today s investors are cautious and increasingly seeking financial advice Today s investors are concerned with: Outliving their investments Volatility of returns Impact of taxes Significant demand for advisor-assisted financial solutions Two-thirds of affluent investors are likely to use an advisor within the next year* *Source: JP Morgan Chase survey, Fall 2003 French Media September 23,
6 Mix of annuity sales between variable and fixed products is highly influenced by financial market conditions Total Annuity Sales - US $ in Billions $250.0 $200.0 $150.0 $100.0 $50.0 $194.2 $163.5 $159.6 $ % 24% 45% 38% 74% 76% 62% 55% $ % 60% Fixed Variable $ Source: LIMRA, Total Premiums excluding internal replacements. French Media September 23,
7 Variable Annuity Market Competition Top 10 Based on Market Share Variable Annuity Top AIG VALIC TIAA-CREF TIAA-CREF Hartford Life 2 ING Companies Hartford Life Hartford Life TIAA-CREF 3 TIAA-CREF AIG VALIC AIG VALIC AXA Financial 4 Hartford Life ING Companies ING Companies MetLife/NEF/GenAm/MLI 5 AXA Financial AXA Financial AXA Financial AIG VALIC 6 Nationwide Life Nationwide Life AEGON USA ING Companies 7 Pacific Life MetLife/NEF/GenAm/MLI MetLife/NEF/GenAm/MLI Pacific Life 8 The Travelers Lincoln National Life Insurance Nationwide Life Prudential of America 9 Lincoln National Life Insurance Pacific Life Pacific Life Nationwide Life 10 MetLife/NEF/GenAm/MLI The Travelers Lincoln National Life Insurance Lincoln National Life Insurance Source: LIMRA French Media September 23,
8 Variable Annuity Market AXA Financial Market Share & Rank 9.0% 8.0% Rank 5 Yr CAGR = 9.2% 3 7.0% 6.0% Market Share % 4.0% 8.4% 3.0% 5.7% 5.7% 5.7% 6.5% 2.0% 1.0% 0.0% Source: LIMRA French Media September 23,
9 Fixed Annuity Market AXA Financial Market Share & Rank 1.2% 5 Yr CAGR = 56.1% % Rank Market Share % 0.6% 1.0% 0.4% % 0.9% 0.2% % 0.3% 0.0% Source: LIMRA French Media September 23,
10 Protection needs and risk reduction have driven most life sales to fixed products. $16.0 $14.0 Total Life Sales - US $12.6 $12.4 $13.8 $14.5 $12.0 $ in Billions $10.0 $8.0 $6.0 $4.0 $7.3 60% 70% 73% 82% 88% Fixed Variable $2.0 $0.0 40% 30% 27% 18% 12% Source: LIMRA, First Year New Annualized Premium excluding drop-in / optional premiums. French Media September 23,
11 Variable Life Insurance Market Competition Top 10 Based on Market Share Variable Life Top Pacific Life MetLife/NEF/GenAm/Texas Pacific Life Pacific Life 2 MetLife/NEF/GenAm/Texas Pacific Life MetLife/NEF/GenAm/Texas MetLife/NEF/GenAm/Texas 3 ING Life Companies - U.S. John Hancock Financial Services John Hancock Financial Services IDS Life 4 Northwestern Mutual ING Life Companies - U.S. Nationwide Life Nationwide Life 5 Nationwide Life Nationwide Life ING Life Companies - U.S. Hartford Financial Services Group 6 Prudential Financial Prudential Financial AXA Financial ING Life Companies - U.S. 7 IDS Life Northwestern Mutual IDS Life John Hancock Financial Services 8 Hartford Financial Services Group Hartford Financial Services Group Hartford Financial Services Group AXA Financial 9 John Hancock Financial Services IDS Life Phoenix Life Insurance Company Prudential Financial 10 Aegon USA AXA Financial Prudential Financial Travelers Life and Annuity Source: LIMRA French Media September 23,
12 Variable Life Insurance Market AXA Financial Market Share & Rank 8.0% 7.0% Rank Market Share 5 5 Yr CAGR = (13.6%) 6.0% 5.0% % 3.0% 6.4% 4.9% 4.7% 5.4% 5.3% 2.0% 1.0% 0.0% Source: LIMRA French Media September 23,
13 Fixed Life Insurance Market AXA Financial Market Share & Rank 1.4% 1.2% Rank Market Share 5 Yr CAGR = 48.4% % 0.8% 0.6% % 0.4% 0.2% 0.0% % % 0.2% 0.2% Source: LIMRA French Media September 23,
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