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Slovakia Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 23 Publisher: Koncept Analytics Slovakia is ranked among one of the top EU countries to register fastest economic growth rate, as result of which, its insurance market has witnessed an impressive growth over the years. The insurance market is dominated by non-life segment that mainly consists of motor third party liability insurance, insurance of damages or loss to land vehicles, property insurance, general liability insurance and others. Throughout the year 2008, the life insurance segment grew at a rate faster than that of the non-life segment. The decline in premiums of non-life was as a result of shrinking third party car insurance market. The structure of Slovakia’s insurance market is slowly converging to the EU structure. Death and endowment assurance held the dominant share of the life insurance segment followed by the investment life insurance. Car insurance market held the largest share of the non-life sector. The penetration rate in Slovakia is much less than that of other EU nations, which presents good prospects for further growth. The non-life insurance segment in Slovakia is more concentrated than the life insurance segment. The top three players in non-life collectively accounted for more than one-third of the segment’s market share, whereas in life the top three had a collective market share of about 50%. Strong economic growth, increasing working class population, rising per capita income, growing export oriented motor vehicle sales, introduction of new product classes, such as insurance in case of unemployment, covering payments of bank loans, will be driving the insurance market of Slovakia in future years. The present report gives an overview of Slovakia’s insurance market along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and trends in insurance premiums of life and non-life insurance sectors. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Ukraine Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 27 Publisher: Koncept Analytics With the establishment of more liberal regulations on foreign participation in the insurance industry, Ukraine has welcomed a notable number of foreign-owned insurance companies in its insurance market. However, despite this growth in both domestic and foreign companies, the demand for insurance services remains low. The non-life business is still undeveloped and life insurance is virtually non-existent. The insurance industry consists of two segments, life and the non-life. The non-life segment accounts for a larger share of the market, as compared to the life segment, due to the increasing investment in voluntary property (motor & real estate) insurance. Apart from property, the health insurance has also boosted the growth of the non-life business in the country. The growth registered in annual insurance premiums in the past few years is attributed to the expanding economy, increasing income, growing demand for non-life products due to increasing investment in health, real estate, and automobiles. The life insurance segment has been recording growth on account of the rising interest on the part of Ukrainians, as well as introduction of new marketing strategies by the insurers. The newly ratified law lays the foundations for a mandatory health insurance program in 2009. The market offers new growth opportunities on account of the low penetration of products and rising interest in insurance among the population, which would lead to introduction of new products as well as employment of new sales promotional strategies. The insurance market of Ukraine is highly fragmented with Oranta being the biggest insurer. The present report gives an overview of Ukraine’s insurance market along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and trends in insurance premiums of life and non-life insurance sectors. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

UK Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The UK insurance market has become the second largest market globally after the US, overtaking the previous number two Japan. The main segments of the insurance industry include Life and Pension; Health and Protection; General Insurance; and Wholesale Insurance market. The Health and Protection segment comprises private medical insurance, long term care, critical illness, income protection, accident and health, and payment protection insurance. Motor and property insurance are the two dominant sub-segments of the non-life or general insurance segment. The Wholesale Insurance covers large commercial risks like those of large corporations. In 2008, the UK insurance market witnessed a sharp decline in revenues on account of the global economic environment. Motor and property insurance are the two dominant sub-segments of the general insurance segment. The non-life insurance sector, however, declined due to declining car insurance and home insurance premiums in the year 2008. Moreover, unfavorable weather conditions, like the windstorms Johanna and Kirsten caused huge losses in terms of profitability of general insurers. The unfavorable economic conditions in the UK have thrown opportunities for the larger players of the market to acquire the smaller ones. Aviva Plc. is the largest insurance company to operate in the UK. The present report gives an overview of the UK’s insurance market along with the analysis of the country’s political structure and economic growth. The report provides an insight into the market size and trends in insurance premiums of life and non-life insurance sectors. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Ireland Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 23 Publisher: Koncept Analytics Ireland is one of the top countries in Europe in terms of insurance density. Despite a fall in density in 2008, it was higher than most other European countries, including Italy, Germany, Sweden and France and lower only to the UK, Switzerland and Denmark. In 2003, the responsibility for the authorization and supervision of insurance undertakings was transferred to the new Irish Financial Services Regulatory Authority (IFSRA). The Irish insurance industry is composed of a wide variety of business lines, which include life, non-life or general, captive, reinsurance and special purpose sectors. The profitability of the Irish insurance industry fell sharply in 2008 on account of global financial crisis. The domestic new life and pension business, excluding the investment only business, registered a decline in the first half of 2009. Individual assurances and annuities and pension scheme business continue to be the two main segments in life insurance sector. Motor insurance was the largest segment within the non-life business. The accident & health, and the fire and other damage to property were the two segments that recorded a positive growth in 2008. Non–life premium penetration has been low as compared to life penetration, and has been on a decline since 2003. Irish Life is the largest life insurer, whereas Hibernian Aviva is the market leader in general insurance. Due to the projected rise in unemployment, falling private consumption and lower international and domestic demand, the insurance premiums will experience a decline in future years. The present report gives an overview of Ireland’s insurance market along with an analysis of Ireland’s political structure and economic growth. The report provides an insight into the market size and trends in insurance premiums of life and non-life insurance sectors. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

France Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The French insurance sector has consolidated its position as the fifth largest in the world and third largest in Europe. The French insurance market has undergone notable changes in the last two decades. The creation of the European Union (EU) brought new regulations, which had major effects on the industry. More recently, new European regulatory measures and French regulations, like Financial Security Act, launch of retirement savings products, PERP (Popular retirement savings plan), PERCO (collective retirement investment plan) and PERE (Corporate retirement savings plan) provided favorable framework for the development of the activities of banks, insurance companies and investment funds. The French insurance industry is divided between the life and the non-life segments. The life segment dominates the industry with very healthy growth in the pension segment. Property and casualty insurance (including third party liability) dominated the non-life segment. The total annual premiums, however, decreased from 2007 to 2008 in local currency which was due to uncertainty in the equity markets. Moreover, the life insurance segment experienced a decrease in premiums in H2 2008 due to rising short term interest rates that favored the commercialization of banking products over life insurance policies. The non-life segment, however, reported moderate growth in terms of property and casualty premiums in 2008. French insurance industry is highly fragmented with the presence of several market players. Covea leads the non-life business whereas CNP Assurances is a market leader in life insurance business. The present report gives an overview of the French insurance market along with an analysis of France’s political structure and the economic growth. The report provides an insight into the market size and trends in insurance premiums of life and non-life insurance sectors. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Netherlands Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The Netherlands (Dutch) insurance industry is characterized by the strong growth rate it has registered in past few years, mainly on the back of its liberal regulatory environment and open distribution structure. However, the recent changes in the market trends have haltered its growth, followed by a slowdown in economy, sluggish performance of the stock markets, and the abolishment of strong fiscal incentives for life insurance business. Life insurance is the dominant segment of the insurance market in the country, followed by accident & health, and the non-life insurance sector. Accident and health has been categorized as a separate line of business from non-life as it has emerged as the largest insurance segment after the healthcare reforms. Growth has remained flat in the life segment since 2002 because of the abolition of tax advantages, emergence of banking products and also because of the weak performance of equity markets, which influenced the markets for unit-linked policies. The non-life segment has also shown low-growth over the years with health being the only driving factor, which, in turn, is supported by the ageing population and healthcare reforms. Following the implementation of the new healthcare system in 2006, the accident and health segment has emerged as the dominant market sector. The life insurance industry in the Netherlands is highly concentrated, where ING is the biggest life insurer, whereas Eureko is the market leader in the non-life insurance sector. The life and non-life segments are projected to grow continuously, though at a slower pace. While the health insurance segment will be aided by the ageing population, the life insurance segment will experience growth in term insurance products, pension (mainly Zwitserleven) and disability insurance. The present report gives an overview of the insurance market of the Netherlands along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and trends in insurance premiums of life and non-life insurance sectors. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Belgium Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 19 Publisher: Koncept Analytics The financial system of Belgium is dominated by four large bancassurance conglomerates, which contribute nearly half of the total insurance premiums. Growing economy and the resultant increase in income, consumer spending and increased awareness of savings and better returns have supported the growth of the insurance industry in Belgium. Moreover, government policies, such as tax exemption, strengthening bancassurance channels, have also driven the increase in premium income in the past few years. Insurance industry in Belgium is categorized into life and non-life segments. Annual premium witnessed a decrease in local currency from 2007 to 2008, on account of liquidity crisis as well as decline in life insurance premiums. The life insurance products suffered from intense competition from other products, like bank deposits that offered attractive rates. This shifted the consumer’s preferences from life insurance policies to other products and led to a decline in premiums in 2008. The life insurance segment has always dominated the market, due to certain benefits attached with the products, like tax exemption, better returns, as well as savings. On the other hand, the non-life segment has recorded a steady growth, mainly on account of the demand for motor, accident and health segments. The Belgian insurance market is consolidated in structure, wherein in both the life and non-life segments, the top five players account for majority of the market share. Expanding economy, growing individual life insurance premiums, rising automobile insurance premiums and rising health insurance premiums are some of the major factors that will drive Belgium’s insurance sector in future. The present report gives an overview of Belgium’s insurance market along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and trends in insurance premiums of life and non-life insurance sectors. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

India Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 25 Publisher: Koncept Analytics Indian insurance industry entered an important phase in 1998 when the government of India permitted the operation of private sector in the insurance market. The impressive growth in life insurance, the dominating segment, led to an overall growth of the Indian insurance industry. This growth is mainly attributed to the improving standard of living, rising disposable income and literacy in addition to insurance awareness among the people. The general insurance (non-life) segment, on the other hand, witnessed growth due to increase in automobile sales, which, in turn, fuelled motor insurances, and the awareness regarding non-life insurance plans, like health insurance. The insurance density of India puts the country among the lowest-spending nations in Asia, with the high population growth being one of the factors responsible for this. Higher growth in the economy against the insurance industry resulted in a decline in penetration in the recent past. The foreign players are consistently gaining market share in a notably short period of only ten years in the Indian life insurance market at the expense of Indian companies like LIC, which is also the dominating domestic player so far. The non-life insurance services are mostly availed by the public sector and private players. The present report gives an overview of the Indian insurance market along with an analysis of the Indian political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Indian insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Italy Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 24 Publisher: Koncept Analytics The insurance industry of Italy has witnessed a rapid growth, showing a fast rising premium to GDP ratio in the recent years. The growth in premiums is mainly attributed to the growing income, newly launched products, investment in life products, increasing ownership of automobiles, as well as new improved distribution channels, which have also helped improve the penetration of insurance products in the country. Italy ranks 14th in Europe, in terms of total premiums per capita and 12th in terms of ratio of premiums to GDP. Due to the boom in life insurance and the development of the bancassurance model and existence of a liberalized insurance market, Italy has become an attractive market for insurance players, particularly the companies operating in the EU region. Italy’s life insurance segment has been one of the major drivers of its overall insurance industry, with the Italian social security pension system crisis as well as the innovations in life insurance savings products being a major reason for its growth. The non-life insurance sector has several sub-categories, and the motor and property damage accounts for the major share of both premium as well as claims. Both life and non-life insurance sectors have grown significantly in the past few years. In addition to the market trends, changes in the national and the EC law systems, development of new communication and information technologies, increased financial sophistication of customers as well as increased importance of insurance products in families’ savings portfolios also helped further the growth of the sector. The present report gives an overview of Italy’s insurance market along with an analysis of the country’s political structure and the economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Italian insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Spain Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 24 Publisher: Koncept Analytics The Spanish insurance industry has witnessed a steady growth during the period 2001-2008, mainly on account of the expanding economy and increasing private consumption. In addition, investment in real estate and automobiles, demand for life products, particularly group policies and pension products also helped further the growth of the market. The industry has experienced a dramatic restructuring during 1980s and 1990s. Deregulation, integration of financial services, technological changes, and other economic changes together brought about new developments in the industry. The booming real estate market as well as an increase in the demand for automobiles has helped drive the growth of non-life insurance premium in Spain. In case of life products, the demand for group and individual life (unit-linked & pension) insurance has contributed to market growth. Along with the market factors, economic and political drivers such as increase in employment, higher wages, as well as the provision of third-party liability and insurance of motor vehicles helped further the growth of the sector. With a growth in tourism and improved economic conditions, Spain has witnessed an increase in the total number of vehicles registered. The increase in vehicle sales also boosted the demand for motor insurance in the country. Improving financial market and growing demand for savings/retirement products is anticipated to drive the growth of the life segment in the years to come. However, the non-life segment is expected to see growth on account of rising demand for health and awareness for insuring property, motor, and other multi-peril risks. The present report gives an overview of the Spanish insurance market along with an analysis of Spanish political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Spanish insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Portugal Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 18 Publisher: Koncept Analytics The insurance industry in Portugal has seen an impressive growth in premiums since 2001. This industry is strictly regulated, with compulsory rates and policy wordings being subject of approval of the supervisory body before entering the market. Growth of the Portuguese insurance market has been mainly driven by the life segment. Rising population, increasing life expectancy and increasing private health insurance are some of the important market drivers of the industry. Portugal is witnessing increasingly diverse immigration flows, country-wide settlement, and rising immigrant skill levels, which are projected to boost the housing market in future, which, in turn, is a positive aspect for the housing insurance market. The risk taking ability of investors and growing perception that the sustainability of the public social security system is at risk are influencing the consumers to assign their rising disposable income to savings. These two factors are the major driver of the life-segment of the insurance market in the country. The non-life segment, in local currency terms, has remained almost stagnant since 2002, due to the strong price competition. The Portuguese insurance market is primarily dominated by prominent financial groups through their units and subsidiaries. Some of the leading companies include Fidelidade-Mundial and Ocidental, which are divisions of prominent financial groups, CGD, BCP and BES. The present report gives an overview of the Portuguese insurance market along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Portuguese insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Greece Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 20 Publisher: Koncept Analytics The Greek insurance market almost doubled in value terms, in local currency during 2000-2008. Growth in the insurance premiums was mainly due to steady population growth and the growing economy. The Greek insurance market is almost equally divided between the Life and the Non-life segments; however, the life segment holds slightly larger share of the market. Insurance in the country is marked by significant low levels of penetration and low density which provides further room for the growth of the insurance premium in both the segments. The market has also been driven by the growth shown by the life segment in recent years. The strong economic growth rate in the country, which has been driven by several factors like supportive fiscal policies, the country’s entry into the Eurozone, accommodative monetary policy in the Eurozone, heavy infrastructure spending etc., is another important growth driver for the insurance sector of the country. Land vehicles insurance and motor vehicle liability insurance were the major contributors to the growth of non-life segment in 2008. Rise in the property market and increasing vehicles87 population are two important factors aiding the growth of the non-life segment. The demographics of Greece are also favorable for the insurance sector, as 66.6% of the population is in the age group of 15-64 years, as these are the prime investors and this is also a positive factor for the pension funds. The present report gives an overview of the Greek insurance market along with an analysis of Greece’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Greek insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Turkey Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 19 Publisher: Koncept Analytics The insurance market of Turkey had an impressive growth during the recent years but its size is still very small, mainly due to low insurance density and an equally low rate of penetration. These two factors offer abundance of opportunities for the market growth. The country offers substantial growth potential in different business lines ranging from distribution channels to client types. Low level of density also implies significant growth potential for life assurance, savings and pension products. Large population with growing middle class and a growing insurance culture, introduction of private pension schemes, continued interest of foreign investors in the Turkish insurance market and structural changes, like mandatory earthquake insurance, introduction of private pension and price liberalization in compulsory traffic insurance are some of the factors which can act as drivers for this market in the country. Strong economic growth of Turkey has led to rising levels of personal wealth and increased demand for life insurance and pensions. Insurance activities in Turkey are divided into life and non-life insurances. Non-life segment dominates the insurance market in the country. It consists of segments like, fire, earthquake, motor vehicles liabilities, accident, health, credit, engineering, agriculture and marine. The share of accident in the non-life business of Turkey was the highest in the year 2008. The impressive growth of the insurance industry in the country was driven by the non-life segment. Life, a small segment of Turkey’s insurance industry has shown a remarkable growth in 2008 and 2009 and is expected to become an important driver for the industry in near future. The present report gives an overview of Turkey’s insurance market along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of Turkey’s insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Germany Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 23 Publisher: Koncept Analytics Germany is one of the world’s largest economies and is highly integrated into the global economy. The insurance industry of the country has been unable to reap the benefits of an economic upturn, the reason being the continuing stagnation of real incomes, the still relatively high rate of unemployment and insecurity in many parts of the population. Despite the growth in insurance density and penetration rate, it continues to rank below other developed countries such as, France, the Netherlands, and the UK. The reason for the limited growth could be the lower demand for life assurance products as a tool for retirement planning and as a component of capital accumulation. Factors such as intensive competition, partially already high market penetration rates, moderate claims statistics by trend and increasing weight of maturities or the impact of political reforms are also restricting the growth of premiums in the country. The insurance industry in Germany is mainly categorized into two segments: Life and Non-life insurance. However, due to the increasing market share and demand for health insurance products, the health products are categorized separately from both the life and general insurance segments. The pension products account for a large share of the life assurance market as compared to the traditional life business. Life segment has been witnessing growth mainly on account of the demand for annuity and other pension products. These life insurance products function as saving instruments and are used for financial protection. The Non-life segment is expected to see growth only on account of improving real income and demand for property, motor, legal and financial risks. The present report gives an overview of Germany’s insurance market along with an analysis of German political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the German insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Switzerland Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 22 Publisher: Koncept Analytics Switzerland has a long-established and well-developed insurance industry and is one of the leading insurance centers in the world. It ranks among the top five countries in the world, in terms of per capita expenditure on insurance. The industry has been in existence in the country for the last 150 years, which has led to increased penetration, thereby, accounting for the high number of insured population in the world. The insurance industry has witnessed an increase in premium, due to the country’s economic growth, mandatory insurance provision of the government as well as demand for products that offer retirement savings, income as well as risk protection. Increasing number of players, attractive premium rates, new innovative products, as well as awareness of risk-protection, savings and high incidence of disasters, have been the key drivers of the Swiss insurance market. The rising demand for life as well as accident, motor, property insurance, etc., have together boosted the insurance demand in the country. The Swiss insurance market has reached its saturation level, thus products which can mainly cater to the needs of the increasing aging population as well as cover the rising health expenses will be in demand in near future. The life businesses have dominated the Swiss insurance market, on account of a growth in group as well as unit-linked life products. The non-life segment continued to exhibit increased premium growth as compared with the life segment in the country. This growth is mainly due to the growth in insurance rates in various segments. Growing number of claims due to increasing personal injuries as well as occurrence of natural disasters has led the insurers to increase premium rates, thereby leading to improving premium. With the increasing aging population and demand for retirement-savings products, the growth of the life segment is expected to be larger than the non-life segment. The present report gives an overview of the Swiss insurance market along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Swiss insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Austria Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 23 Publisher: Koncept Analytics The Austrian insurance market is one of the most developed markets in Continental Europe, because of the high risk awareness (natural perils) and the resultant demand for coverage among the population. Moreover, the growing preference for life insurance policies as a form of pension provision, which ensures dividends through guaranteed interest payments, has also added to the growth of the insurance industry in Austria. In addition, the industry has been recording growth on account of the expanding economy and developing industrial and services sector. Along with the market growth factors, economic drivers, like increasing wages & salaries, social contribution, growing industrial output, exports, etc., have also supported the industry growth over the years. The Austrian insurance market is categorized into three segments: life, non-life & accident, and health insurance. The private health insurance is a part of the statutory health insurance business in the country. The non-life/ accident business has witnessed a growing demand due to rising demand for insurance against natural catastrophes among the Austrians. The life insurance segment has exhibited growth, mainly due to the rising demand for unit-linked life and pension products. Increasing exports, strong industrialization base, expanding services segment, resultant rise in employment opportunities and disposable income, together contributed to the growth of household expenditure, which, in turn, would have a positive impact on the Austrian insurance market. The present report gives an overview of the Austrian insurance market along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Austrian insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Bulgaria Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The insurance industry of Bulgaria is very small and fragmented in structure as compared with the larger European Union economies. In the coming three to four years, the Bulgarian insurance market is expected to witness a continual growth, on account of increasing wealth. Factors including strong economy, higher income and non-food expenditure, particularly automobiles and real-estate, are the major growth drivers of the insurance segment, especially the non-life insurance segment in Bulgaria. The Bulgarian economy is booming on account of increasing exports, rising foreign investment and increasing wealth of the Bulgarians. The entry of new players as well as the expansion of insurance demand, led to an increase of the sector’s contribution to the overall GDP. The non-life insurance segment represents the largest part of the Bulgarian insurance industry. The life businesses, the endowment and annuity products in particular, are expected to be the main growth drivers of the life segment. In addition to the expansion of life, annuities and accident products, the life market also witnessed growth on account of better returns on unit-linked products. For the last few years, leading international insurance companies are the dominating players within the Bulgarian insurance industry. At the end of 2008, the majority of insurance companies (around 30) operating in Bulgaria were foreign-owned. The present report gives an overview of Bulgaria’s insurance market along with the analysis of Bulgaria’s political structure and the economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Bulgarian insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Croatia Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 23 Publisher: Koncept Analytics The insurance market of Croatia has been growing strongly since the last few years. The industry is mainly thriving as a result of the notable performance of the life insurance segment as well as the contribution of third party motor insurance. The insurance portfolio of Croatia is different from that of the EU states. The reason behind this is that the insurance sector is dominated by non-life insurance segment in Croatia and the lack of confidence in the majority of its population in the life insurance segment. This trend has taken shape as a result of hyperinflation from the beginning of 1990s, as well as to a large share of compulsory insurance in total non-life insurance portfolio. Rising health concerns among aging population, increasing interest of young population in the new premium products, intensive development of the bank-assurance and unit linked products are some of the important factors to drive the growth of the Croatian insurance market. The insurance market of Croatia is dominated by the non-life segment, while the life segment represents only a small percentage of the insurance market, despite a faster growth rate as compared with the non-life segment. The healthcare sector has shown strong results as compared to other European developing countries. Though it accounts for a small percent of the market but it helps in driving growth of the overall insurance industry in the country, which is evident by its double digit growth during the last five years (2003-2008). The demand for health insurance is higher than other insurance products, accounting for the second largest segment after motor insurance. The insurance industry of Croatia is set to grow at a continuous pace in 2009 but the growth rate is likely to be slow due to falling income levels and unemployment. However, rising birth rate and falling mortality rate will further help the industry to overcome economic turmoil. The present report gives an overview of Croatia insurance market along with an analysis of Croatia’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Croatian insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Czech Republic Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The Czech insurance industry has been growing at a notable pace since the early nineties, mainly because of government reforms, increasing income, and household expenditure in non-food categories, demand for investment-linked products and improved sales channel (bancassurance). Despite the slowdown of domestic economy in 2008, the insurance sector recorded growth, particularly on account of the number of vehicles registered. Growth was also supported by increased demand for insurance resulting from changes in legislations which introduced effective penalization of those who fail to pay motor third party liability insurance, which is compulsory under the law. Increased available income, investment in non-food items, such as automobiles and property, and demand for health and retirement-savings product, compulsory motor third-party liability insurance and aging population are some of the important growth drivers of the industry. In terms of segment wise market share, the non-life businesses have dominated the domestic insurance market. However, with the rising popularity of unit-linked and assurance on death, survival, etc. products, the life insurance market has also been exhibiting higher growth and expansion. The key reason to fuel the demand for non-life insurance products is the frequent occurrence of natural disasters in the region, such as the massive floods of August 2002 and the Kyrill storm which affected the region in 2007. Fro the coming years, the insurance market in Czech Republic is expected to offer growth opportunities on account of low penetration of products and increasing interest of foreign players, which would lead to the introduction of new products as well as improved sales and promotional activities. The present report gives an overview of Czech Republic’s insurance market along with an analysis of the country’s political structure and the economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the insurance industry in the country. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Hungary Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 27 Publisher: Koncept Analytics The strong growth of the Hungarian insurance market is evident by the fact that it more than doubled from 2000 to 2008 in the local currency. The most important development in the Hungarian insurance sector is the entry of large multinational companies during the first half of the nineties. As a result of this, most of Hungary's top insurance companies were able to apply international standards and products to the local market. The entry of large foreign insurers in the country helped remedy a serious lack of available insurance in Hungary, especially life insurance. The strong growth in the economy of Hungary has been one of the strongest growth drivers, apart from factors like rising income levels and increasing household expenditure. The insurance market of Hungary is basically divided into life insurance and non-life insurance segments. Accident, health and travel insurance are treated separate from life and non-life and considered as personal insurance. Life insurance segment includes term life, endowment, mixed-life, term-fix life, annuity and unit-linked products. Hungary, like many countries, has seen strong development of unit-linked insurance products. In 2007, these products represented more than two-thirds of life insurance premiums in Hungary and most of their annual growth. Increasing population, increase in life expectancy, strong economy, increasing household property insurance, increasing demand of investment products are the important drivers of insurance industry, which will be aiding the Hungarian insurance market in near future. The present report gives an overview of the Hungarian market along with an analysis of the country’s political structure and the economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the Hungarian insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Poland Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The insurance industry of Poland has been recording astounding growth on account of the growing economy and developing industrial, construction and services sector. The growth registered in the premiums during the past few years is attributed to the increasing ownership of automobiles and investment in real estate, as well as the pro-growth rules and regulations of the government. Government reforms, increasing foreign investment in insurance, growth in nominal wages and salary and improved performance of life products, due to the growing financial markets, are among the few important drivers of the Polish insurance industry. In addition, the resultant rise in income and household expenditure in non-food categories, demand for investment-linked life products, improved sales channel (bancassurance) and awareness of insurance coverage and better returns continue to drive the growth of the domestic insurance market. The life insurance segment is the largest part of the Polish insurance market since 2006 and has been exhibiting strong growth on account of increased demand for unit-linked insurance and life products, which offer high interest rates and tax exemption. In the non-life segment, motor insurance accounted for the largest market share in 2008. Both the life and non-life insurance segments of the Polish insurance industry are dominated by foreign players, which account for around 77% of the life insurance sector and around 80% of the non-life insurance business. The present report gives an overview of Poland’s insurance market along with an analysis of the country’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given.” By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of Poland’s insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Romania Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 24 Publisher: Koncept Analytics The insurance industry of Romania has been growing at an impressive rate. This growth was broadly based on overall economic growth of the Romanian economy. Rise in the employment rate, along with the rising wages, has increased money supply with the households, which, in turn, has increased consumption and the notable fall in the inflation rate has increased the potential of savings. All these factors have helped the growth in the insurance industry of Romania. The low penetration level is also providing abundance of opportunities for the insurance market. Low level of density in comparison to other European countries is another important factor to aid the growth of life assurance, savings and other products. Romanian insurance market consists of two segments, general insurance and life insurance, with the former being the dominating between the two. The general insurance segment further consists of property insurance, motor insurance, liabilities, credit and warranties and other lines of insurance. Motor insurance, which dominates the entire insurance market in Romania, has also grown considerably as a result of increasing vehicles sales and the rising demand of cars as the household income and consumption is increasing in the country. Unit-linked products have gained considerable popularity in addition to the market share. The government of Romania has formulated the law on compulsory home insurance, which would make the insurance of the house mandatory for the owner of the house. This would further add to the increment of the total insurance market of the country. The present report gives an overview of the insurance market of Romania along with the analysis of Romania’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of Romania’s insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

Russia Insurance Market Intelligence Price: $600.00 (€472.89) ($720.00 (€567.46) Including VAT at 20%) Publication Date: 01-Jan-2010 Format: PDF Email Pages: 24 Publisher: Koncept Analytics With the disintegration of the Soviet Union, the Russian insurance market witnessed several changes and a gradual development of market-oriented policies was recorded. The Russian insurance industry can be classified into life and non-life business, with the latter dominating the market on account of the compulsory medical and motor third-party liability insurance. Moreover, the voluntary property insurance has also added to the growth of the non-life sector in the country. The life insurance segment, on the contrary, has seen a significant fall since 2004. Growth in the overall insurance industry mainly came from the expanding economy, improving living standards, investment in non-life products, due to increasing investment in real estate and ownership of automobiles. With the economic liberalization, the Russian insurance industry has witnessed an increase in private players, in both life and non-life segment. However, government policies, like the recent capital requirement policies for both life and non-life business units, have caused a fall in the total number of insurance players in the Russian market. Overall, at the end of 2008, there were only 200 actively operating insurers out of nearly 800 registered insurance companies in Russia. The share of insurance industry as a proportion of GDP is comparatively low and subject to major fluctuations in the Russian economy. The life business has a negligible share in the domestic insurance industry, as the Russian mainly invest in non-life products. The present report gives an overview of the Russian insurance market along with the analysis of the country’s political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given. By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of the industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests. Table of Contents/List of Tables/List of Figures

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