Executive Summary

1. Introduction

Overview

Report Coverage

Definition

2. Strategic Overview

Market Dynamics And Segmentation

Current Status Of The Market

Total Industry Value And Growth

Table: Total Premium Income Of Cea Members (_m And Index=100),-

Table: Gross Written Life Premium Income Of Cea Members (_m And Index=100),-

Markets With The Highest Growth Rates

Table: Top Ten Countries In Europe By Growth In Gross Written Life Premium Income (%),

Markets With The Lowest Growth Rates

Table: The Bottom Ten Countries In Europe By Growth In Gross Written Life Premium Income (%),

Market Shares

Table: Share Of Life And Non-life Premium Income Of Cea Members By Value (%),-

Distribution

Table: Number Of Cea Member Companies Offering Insurance Products In Europe (number And Index=100),-

Table: Distribution Channels Of Life Products In Selected European Countries By Value (%),

Competitive Structure

Table: Market Share Of The Largest Life Insurance Companies By Life Premiums On National Markets By Cea Members (%), And

Investments

Table: Total Life Investments Of Cea Members, (_m And Index=100),-

The Economy

Credit Crunch

Population

Table: Population Of The Eurozone And The Eu25 (000 And Index=100),st January-

Inflation

Table: Inflation In The Eu25 And The Eurozone (index=100), May-

Gross Domestic Product

Table: Gross Domestic Product Per Capita In Purchasing Power Standards (eu27=100),-

Pension Funds

Overview

Table: Personal Pension Assets As A Percentage Of Gross Domestic Product By Selected Country (%),-

Table: Structure Of Assets Of Autonomous Pension Funds By Type Of Asset (%),

Taxation

Old-age Dependency Ratio

Pension-fund Dynamics

Regulations

Harmonisation

Directives

Insolvency Directive

Solvency Ii

Insurance Directives

Institutions For Occupational Retirement Provision Directive

National Interpretations

Legislation

Market Forecasts

3. Belgium

Background

Legislation

Market Size

Table: Gross Written Life Premium Income In Belgium (em And Index=100),-

Market Shares

Table: Estimated Market Shares Of The Five Largest Life Groups In Belgium (%),

Consumer Trends

Economic Trends

Table: Population Of Belgium (000 And Index=100), St January-

Table: Harmonised Annual Average Consumer Price Indices In Belgium (base=100), May-

Density Of Insurance

Table: Estimated Average Life Premium Per Inhabitant In Belgium (_ And Index=100),-

Life Investments

Table: Life Insurers' Investment Portfolio In Belgium (_m And Index=100),-

Distribution

Table: Estimated Number Of Companies Selling Life Insurance In Belgium (number And Index=100), -

Table: Distribution Channels Of Life Insurance In Belgium (%),, And-

Pensions

4. France

Background

Legislation

Market Size

Table: Gross Written Life Premium Income In France (_m And Index=100),-

Market Shares

Table: Estimated Market Shares Of The Five Largest Life Groups In France (%),

Consumer Trends

Economic Trends

Table: Population Of France (000 And Index=100),st January-

Table: Harmonised Annual Average Consumer Price Indices In France (base=100), May-

Density Of Insurance

Table: Estimated Average Life Premium Per Inhabitant In France (_ And Index=100),-

Life Investments

Table: Life Insurers' Investment Portfolio In France (_m And Index=100),-

Distribution

Table: Estimated Number Of Companies Selling Life Insurance In France (number And Index=100),-

Table: Distribution Channels Of Life Insurance In France (%),, And-

Pensions

5. Germany

Background

Legislation

Market Size

Table: Gross Written Life Premium Income In Germany (_m And Index=100),-

Market Shares

Table: Estimated Market Shares Of The Five Largest Life Groups In Germany (%),

Consumer Trends

Economic Trends

Table: Population Of Germany (000 And Index=100),st January-

Table: Harmonised Annual Average Consumer Price Indices In Germany (base=100), May-

Density Of Insurance

Table: Estimated Average Life Premium Per Inhabitant In Germany (_ And Index=100),-

Life Investments

Table: Life Insurers' Investment Portfolio In Germany (_m And Index=100),-

Distribution

Table: Estimated Number Of Companies Selling Life Insurance In Germany (number And Index=100), -

Pensions

The Riester Reforms

Private Provision

6. Italy

Background

Market Size

Table: Gross Written Life Premium Income In Italy (_m And Index=100),-

Market Shares

Table: Estimated Market Shares Of The Five Largest Life Groups In Italy (%),

Consumer Trends

Economic Trends

Table: Population Of Italy (000 And Index=100), St January-

Table: Harmonised Annual Average Consumer Price Indices In Italy (base=100), May-

Density Of Insurance

Table: Estimated Average Life Premium Per Inhabitant In Italy (_ And Index=100),-

Life Investments

Table: Life Insurers' Investment Portfolio In Italy (_m And Index=100),-

Distribution

Table: Estimated Number Of Companies Selling Life Insurance In Italy (number And Index=100),-

Table: Distribution Channels Of Life Insurance In Italy (%),, And-

Pensions

7. The Netherlands

Background

Legislation

Market Size

Table: Gross Written Life Premium Income In The Netherlands (_m And Index=100),-

Market Shares

Table: Estimated Market Shares Of The Five Largest Life Groups In The Netherlands (%),

Consumer Trends

Economic Trends

Table: Population Of The Netherlands (000 And Index=100),st January-

Table: Harmonised Annual Average Consumer Price Indices In The Netherlands (base=100), May-

Density Of Insurance

Table: Estimated Average Life Premium Per Inhabitant In The Netherlands (_ And Index=100),-

Life Investments

Table: Life Insurers' Investment Portfolio In The Netherlands (_m And Index=100),-

Distribution

Table: Estimated Number Of Companies Selling Life Insurance In The Netherlands (number And Index=100), -

Table: Distribution Channels Of Life Insurance In The Netherlands (%),-

Pensions

8. Spain

Background

Legislation

Market Size

Table: Gross Written Life Premium Income In Spain (_m And Index=100),-

Market Shares

Table: Estimated Market Shares Of The Five Largest Life Groups In Spain (%),

Consumer Trends

Economic Trends

Table: Population Of Spain (000 And Index=100),st January-

Table: Harmonised Annual Average Consumer Price Indices In Spain (base=100), May-

Density Of Insurance

Table: Estimated Average Life Premium Per Inhabitant In Spain (_ And Index=100),-

Life Investments

Table: Life Insurers' Investment Portfolio In Spain (_m And Index=100),-

Distribution

Table: Estimated Number Of Companies Selling Life Insurance In Spain (number And Index=100),-

Table: Distribution Channels Of Life Insurance In Spain (%),-

Pensions

9. The Uk

Background

Legislation

Market Size

Table: Gross Written Life Premium Income In The Uk (_m And Index=100),-

Market Shares

Table: Estimated Market Shares Of The Five Largest Life Groups In The Uk (%),

Consumer Trends

Economic Trends

Table: Population Of The Uk (000 And Index=100),st January-

Table: Harmonised Annual Average Consumer Price Indices In The Uk (base=100),-

Density Of Insurance

Table: Estimated Average Life Premium Per Inhabitant In The Uk (_ And Index=100),-

Life Investments

Table: Life Insurers' Investment Portfolio In The Uk (_m And Index=100),-

Distribution

Table: Estimated Number Of Companies Selling Life Insurance In The Uk (number And Index=100), -

Table: Distribution Channels Of Life Insurance In The Uk (%),, And-

Pensions

Defined-benefit And Defined-contribution Pensions

Private Versus Public Pensions

Pensions Act

Pensions Act

Pensions Act

10. Pest Analysis

Political Factors

Economic Factors

Social Factors

Technological Factors

11. Company Profiles

Allianz Group

Corporate Strategy

Strengths And Weaknesses

New Product Innovation And Brand Development

Distribution

Profitability

Future Company Developments

Aviva

Corporate Strategy

Strengths And Weaknesses

New Product Innovation And Brand Developments

Distribution

Profitability

Future Company Developments

Groupe Axa

Corporate Strategy

Strengths And Weaknesses

New Product Innovation And Brand Developments

Distribution

Profitability

Future Company Developments

Fortis

Corporate Strategy

Strengths And Weaknesses

New Product Innovation And Brand Developments

Distribution

Profitability

Future Company Developments

Generali

Corporate Strategy

Strengths And Weaknesses

New Product Innovation And Brand Developments

Distribution

Profitability

Future Company Developments

Predica (crédit Agricole)

Corporate Strategy

Strengths And Weaknesses

New Product Innovation And Brand Developments

Distribution

Profitability

Future Company Developments

Prudential

Corporate Strategy

Strengths And Weaknesses

New Product Innovation And Brand Developments

Distribution

Profitability

Future Company Developments

12. The Future

Forecasts

Market Size

Table: Forecast Total Life Premium Income For Cea Members (_m And Index=100),-

Figure: Total Life Premium Income For Cea Members (_m),-

Market Shares

Table: Forecast Market Share Of The Largest Life Insurance Companies (%),

Consumer Trends

Table: Forecast Population Of The Eu27 (000 And Index=100),-

Economic Trends

Table: Harmonised Annual Average Consumer Price Indices In The Eu27 (base=100),-

Density Of Insurance

Table: Forecast Average Life Premium Per Inhabitant In Cea Countries (_ And Index=100),-

Life Investments

Table: Forecast Life Investments In The Cea (_m And Index=100),-

Distribution

Table: Forecast Distribution Channels Of Life Products In Selected European Countries (%), And

Pensions

Table: Forecast Levels Of Assets Of Privately Managed Pension Schemes As A Percentage Of Gross Domestic Product In The Eu27,

Supplier Issues

Barriers To Entry

Regulations

Conclusion

13. Further Sources

Associations

Publications

Government Sources

Other Sources

Bisnode Sources