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Insurance Market in China 2011 Price: $795.00 (€622.46) ($954.00 (€746.95) Including VAT at 20%) Publication Date: Apr-2011 Pages: 38 Format: PDF Publisher: Netscribes (India) Pvt. Ltd. The insurance market is growing at an impressive rate. The insurance premium income registered a growth of 31% in 2010. Rising income levels coupled with low penetration of the market the industry is expected to grow at a fast pace. The report begins with a market overview section which discusses the market size in terms of insurance premium and growth. An analysis of the drivers influencing the industry growth includes rising income levels, under-penetrated market, government initiatives and rising auto sales. The key challenges identified include impact of new banking insurance rules and multiple rules and regulations. The report covers the important rules and regulations concerning the insurance sector in China. It provides an overview about the various criteria that the foreign players must fulfill in order to enter the market. It also discusses the current market trends as IPO pipeline, private placements, entry of banks into the insurance market in China, merger and acquisitions. The competition section provides data showing the market share of the life insurance companies and non-life insurance companies in China. It also includes brief profile of the major players which incorporates their financials, business highlights as well as their operational performance. Table of Contents

2012 U.S. Claims Adjusting Industry-Industry & Market Report Price: $699.00 (€547.30) ($838.80 (€656.75) Including VAT at 20%) Publication Date: 01-May-2010 Format: PDF (Enterprise License) Pages: 192 Publisher: Barnes Reports The U.S. Claims Adjusting Industry Industry-Industry & Market Report, published annually by Barnes Reports, contains timely and accurate industry statistics, forecasts and demographics. The report features 2012 current and 2013 forecast estimates on the size of the industry (sales, establishments, employment) nationally and for all 50 U.S. States and over 900 metro areas. New to the report this year are: financial ratios, number of firms and payroll estimates. The report also includes industry definition, 5-year historical trends on industry sales, establishments and employment, a breakdown of establishments, sales and employment by employee size of establishment (9 categories), and estimates on up to 10 sub-industries, including insurance claims adjusters. Table of Contents

ICT in Insurance Industry in India 2012 Price: $1,595.00 (€1,248.84) ($1,914.00 (€1,498.60) Including VAT at 20%) Publication Date: Feb-2012 Pages: 392 Format: PDF Publisher: Netscribes (India) Pvt. Ltd. Sample Pages ICT adoption in Insurance Industry is expected to witness a dynamic growth in the ensuing years. Currently, the adoption of ICT in insurance industry is undergoing through a dynamic growth rate owing to the growing complexities arising from huge customer base. Insurers primarily implement technology in the areas of customer service, data analytics and process management. With the ongoing growth in customer base and daily transactions, insurers in India are gradually shifting their focus towards the adoption of ICT oriented tools, services and platforms. Till now, the ICT adoption in insurance industry has occurred in a phased manner, wherein it has exhibited a steady but impressive growth rate over the years. ‘Judging by the current scenario in the market, ICT spending by insurers in India stood at INR 76.17 bn in 2011 and is anticipated to grow at a CAGR of around 14% till 2015,” says Mr. Kalyan Banga, Product Manager at Netscribes. Maturing along with technology standards, the current ICT landscape within the insurance industry can be associated with rising demand and cut throat competition amongst the ICT vendors. Types and attributes of the solutions that experiences the most demand within the insurance sector have also changed over the years. “Primarily, technologies focused to provide better customer services are preferred the most. Analysis of colossal amount of data and information along with generating insights from these data are also experiencing exponential surge in demand. Advancement in the field of mobile technology and the immense popularity of social networking sites has also grabbed the attention of industry significantly,” noted Kalyan. The report begins with a snapshot of the insurance industry which briefs about the facts and figures of insurers operating in India. It lists down the number of insurers operating in the sector along with the segmentation of public and private insurers. Hierarchy of the Indian insurance industry is well illustrated for which gives a brief highlight about the operational model of the industry. It also enlists the primary drivers and challenges for the overall insurance industry. “Primary reasons to propel the market forward comprises of young consumer segment, wide range of products, technological advancement and growing middle class, whereas the basic challenges faced by the sector are the tight premium rates and dependence on overseas re-insurers,” says Kalyan. Moving along the report features a section on the ICT in Insurance wherein the growth rate and spending on ICT is enlisted in great details. “IT spending basically comprises the costs associated with hardware, software and services while the telecom services mainly includes support and services,” added Kalyan. The report covers an explicit break up of IT expenses of insurers in terms of hardware, software and services. This section is followed by the Key Technology section which enlightens the readers about the major tools and services currently being used. For the better understanding of these tools, architectural diagrams have also been included. Further, the government initiatives pertaining to technology have also been listed to give a brief idea about the main functional areas bounded by regulations. Technological barriers and benefits prevailing in the industry have been covered under the drivers and challenges section. Trends identified in the technology domain have been summarized in the following section named, trends in the insurance industry. “As of now, the trend in the sector is to target the mass audience, facilitate seamless flow of data within the company and reducing the total cost of ownership,” noted Kalyan. Key ICT vendors have been profiled in details within the report which enables readers to get a clear picture of the current competitive scenario. The section lists the basic details of the players such as corporate information, business highlights and key members. The section also features financial analysis of all ICT players which in turn provides us with the financial health of players. To derive at a better understanding of these companies, SWOT analysis of individual companies has also been included. Moving along the report features a section on IT landscape of India insurers which has been derived after an extensive primary and secondary research and analysis. The section talks about the IT infrastructure of all insurance companies operating in India. Technology implementation portion in this segment lists down all existing IT infrastructure in great detail. The report concludes with a section on strategic recommendations which comprises of an analysis of the growth strategies of the ICT adoption in insurance industry in India. Table of Contents

IT Landscape of Insurance Players in India 2012 Price: $1,595.00 (€1,248.84) ($1,914.00 (€1,498.60) Including VAT at 20%) Publication Date: Feb-2012 Pages: 302 Format: PDF Publisher: Netscribes (India) Pvt. Ltd. Sample Pages IT landscape seen amongst insurers in India exhibit a typical trend wherein they primarily tend to focus more on tools, solutions and services which can cater to the needs of growing customer base, offer better and enhanced customer service, enhance their market reach and generate a seam less flow of data and information within the company. The report begins with a snapshot of the insurance industry which briefs about the facts and figures of insurers operating in India. It lists down the number of insurers operating in the sector along with the segmentation of public and private insurers. Hierarchy of the Indian insurance industry is well illustrated for which gives a brief highlight about the operational model of the industry. It also enlists the primary drivers and challenges for the overall insurance industry. Primary reasons to propel the market forward comprises of young consumer segment, wide range of products, technological advancement and growing middle class, whereas the basic challenges faced by the sector are the tight premium rates and dependence on overseas re-insurers. Moving along the report features a section on IT landscape of Indian insurers. The section talks about the IT infrastructure of all insurance companies viz. General Insurers, Life Insurers and Health Insurers operating in India. Technology implementation portion in this segment lists down all existing IT infrastructure in great detail. It primarily elaborates on the type of requirements, solutions adopted and the benefits realized thereafter. The section also features a sales intelligence section which enlists the relevant key point of contact of the respective organizations. Table of Contents

Indonesia: Analysis of the General Insurance Industry Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: Nov-2011 Format: PDF Email Pages: 36 Publisher: Koncept Analytics The general insurance industry in Indonesia witnessed healthy growth in gross premiums at the end of 2010 on account of improving macro-economic conditions and increasing public awareness of insurance benefits. Motor insurance formed the largest segment and its net premiums increased due to significant growth in motor vehicle sales and introduction of new policies. Property Insurance formed the second largest segment. Sharia insurance also experienced positive growth in 2010 due to the implementation of strategic policies and supervision quality improvement by Bapepam-LK. As of May 2011, there were 87 non-life insurance companies in Indonesia. Some of these are composite companies that also offer life insurance products. The non-life insurance industry is highly fragmented with a number of market players. Astra Buana is the largest motor insurance provider whereas Sinar Mas is the market leader in property insurance. Companies such as Cigna Indonesia, AIA Indonesia and Allianz Indonesia are focusing on direct marketing strategies like telemarketing and online insurance to attract customers. The present report gives an overview of the Indonesia general (non-life) insurance market along with the analysis of Indonesia’s economic growth. The report provides an insight into the market size and growth in non-life insurance premiums. Each segment of non-life insurance industry along with key statistics and ratios are discussed in detail. The competitive aspect of the market is also highlighted and the key players are profiled with their branding and pricing strategies. A special focus on direct marketing strategies of main P&C players is also discussed in the report. Table of Contents/List of Tables/List of Figures

Singapore: Analysis of the General Insurance Industry Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: Nov-2011 Format: PDF Email Pages: 40 Publisher: Koncept Analytics Singapore registered strong economic growth in 2010 contributing to the growth of its insurance industry. The general insurance industry witnessed rise in both premium and profits in the year 2010. All classes of non-life insurance businesses except marine cargo posted growth in premiums. Personal Accident registered the highest rise in premiums followed by Motor segment and work injury compensation in 2010 compared to 2009. Health insurance reported the biggest casualty in terms of underwriting with underwriting profit slumping by 56% in 2010. Motor insurance is the largest segment of general insurance industry and witnessed a slight rise in premiums in 2010 due to growth in vehicle population. NTUC Income, Chartis and AXA are the three largest motor insurers having a combined market share of almost 50%. Direct marketing channels such as telemarketing, mobile and online marketing are increasingly favored by insurers in Singapore nowadays since it cuts down commission expenses. For customers, these direct channels provide a faster and more convenient way to buy insurance policies at a discounted price. The two major online motor insurance providers in Singapore are Aviva and DirectAsia.com. The non-life segment in Singapore is highly fragmented with the presence of a number of players. Singapore’s non-life market segment is dominated by American Home and the top 5 Non-Life companies constitute approximately half of the market share in 2010. The present report gives an overview of the Singapore general (non-life) insurance market along with the analysis of Singapore’s economic growth. The report provides an insight into the market size and growth of non-life insurance premiums. Each segment of non-life insurance industry along with key statistics and ratios are discussed in detail. The competitive aspect of the market is also highlighted and the key players are profiled with their branding and pricing strategies. A special focus on online motor insurance trend and the rise of two direct/online insurers – DirectAsia.com and Aviva has also been discussed in the report. Table of Contents/List of Tables/List of Figures

Thailand: Analysis of the General Insurance Industry Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: Nov-2011 Format: PDF Email Pages: 40 Publisher: Koncept Analytics Despite the political unrest in May 2010 that affected the social and economic conditions of Thai economy, the general insurance industry witnessed significant growth in direct premiums at the end of 2010. Growth of the general insurance industry could be attributed to continuous support and promotion to the business and industrial sectors by Thai Government. Marine and transport insurance segment registered healthy growth in 2010 which indicates that exporters and importers are buying insurance coverage from local insurers. Motor insurance is the largest segment in non-life insurance industry and has grown on the back of compulsory motor insurance and increasing car sales. The non-life segment is highly fragmented with the presence of a number of players. The top five non life companies constitute about 40.5% of the total market share in 2010. In 2010, many new channels of distribution were introduced such as direct marketing, tele-marketing, convenient store or pay-point service. All general insurance companies increased their advertisement and public relations efforts and developed new products for all groups of customers. Several local Thai insurers have also established affiliations with foreign insurers. Most of the rural regions in Thailand remain relatively untapped in terms of insurance penetration. This provides insurers with the opportunity to develop niche market products, such as micro-insurance and Takaful coverage options. The present report gives an overview of the Thailand general (non-life) insurance market along with the analysis of Thailand’s economic growth. The report provides an insight into the market size and growth of non-life insurance premiums. Each segment of non-life insurance industry along with key statistics and ratios are discussed in detail. The competitive aspect of the market is also highlighted and the key players are profiled with their branding and pricing strategies. A special focus on direct marketing strategies of main P&C players is also discussed in the report. Table of Contents/List of Tables/List of Figures

2012 Worldwide Property & Casualty Insurance Carriers Industry-Industry & Market Report Price: $699.00 (€547.30) ($838.80 (€656.75) Including VAT at 20%) Publication Date: 15-Dec-2011 Format: PDF (Enterprise License) Pages: 104 Publisher: Barnes Reports The Property & Casualty Insurance Carriers Industry-Industry & Market Report, published annually by Barnes Reports, contains timely and accurate industry statistics, forecasts and demographics. The report features 2012 current and 2013 forecast estimates on the size of the industry (sales, establishments, employment) for the 47 largest world countries, such as Japan, China, India, Russia, Canada, Mexico, Brazil, Argentina, UK, France, Germany, Italy and U.S.. The report also includes industry definition, 5-year historical trends on industry sales, establishments and employment and estimates on up to 10 sub-industries, including fire, marine and casualty insurance, automobile insurance, workers' compensation insurance, and property damage insurance. Table of Contents

2012 U.S. Property & Casualty Insurance Carriers Industry-Capital & Expenses Report Price: $699.00 (€547.30) ($838.80 (€656.75) Including VAT at 20%) Publication Date: 15-Dec-2011 Format: PDF (Enterprise License) Pages: 187 Publisher: Barnes Reports The 2012 U.S. Property & Casualty Insurance Carriers Industry-Capital & Expenses Report, published annually by Barnes Reports, contains timely and accurage industry statistics, forecasts and demographics. The report features 2012 current and 2013 forecast estimates on the cost of materials, capital expenditures, inventories, rentals, and other expenses nationally and for all 50 U.S. States and up to 900 metro areas. Expenses categories include materials used, payroll, human resources benefits, health insurance, retirement/pension plans, advertising, taxes, depreciation, electricity, fuels, equipment, repair/maintenance, and software. Capital expenditures include building, machinery, vehicles, and computer equipment. The report also includes industry definition, a breakdown by establishments size and industry size estimates (establishments, sales and employment). Table of Contents

2012 U.S. Insurance Agencies & Brokerages Industry-Capital & Expenses Report Price: $699.00 (€547.30) ($838.80 (€656.75) Including VAT at 20%) Publication Date: 15-Dec-2011 Format: PDF (Enterprise License) Pages: 221 Publisher: Barnes Reports The 2012 U.S. Insurance Agencies & Brokerages Industry-Capital & Expenses Report, published annually by Barnes Reports, contains timely and accurage industry statistics, forecasts and demographics. The report features 2012 current and 2013 forecast estimates on the cost of materials, capital expenditures, inventories, rentals, and other expenses nationally and for all 50 U.S. States and up to 900 metro areas. Expenses categories include materials used, payroll, human resources benefits, health insurance, retirement/pension plans, advertising, taxes, depreciation, electricity, fuels, equipment, repair/maintenance, and software. Capital expenditures include building, machinery, vehicles, and computer equipment. The report also includes industry definition, a breakdown by establishments size and industry size estimates (establishments, sales and employment). Table of Contents

2012 Worldwide Insurance Agencies & Brokerages Industry-Industry & Market Report Price: $699.00 (€547.30) ($838.80 (€656.75) Including VAT at 20%) Publication Date: 15-Dec-2011 Format: PDF (Enterprise License) Pages: 104 Publisher: Barnes Reports The Insurance Agencies & Brokerages Industry-Industry & Market Report, published annually by Barnes Reports, contains timely and accurate industry statistics, forecasts and demographics. The report features 2012 current and 2013 forecast estimates on the size of the industry (sales, establishments, employment) for the 47 largest world countries, such as Japan, China, India, Russia, Canada, Mexico, Brazil, Argentina, UK, France, Germany, Italy and U.S.. The report also includes industry definition, 5-year historical trends on industry sales, establishments and employment and estimates on up to 10 sub-industries, including insurance consulting, insurance adjusters, pension planning, and retirement planning. Table of Contents

2011 U.S. Insurance Agencies & Brokerages Industry-Jobs & Wages Report Price ENTERPRISE LICENSE $699.00 Publication Date: 25-Apr-2011 Format: PDF Pages: 121 Publisher: Barnes Reports The Insurance Agencies & Brokerages Industry-Jobs & Wages report, published annually by Barnes Reports, contains timely and accurate industry statistics, forecasts and demographics on industry job titles, fringe benefits, employment and hourly and annual wages and salaries. The report features 2011 current and 2012 forecast estimates on the median wages and salaries (plus 10th, 25th, 75th, 90th percentiles) nationally and for all 50 U.S. States. The report also includes industry definition, 5-year historical trends on industry sales, establishments and employment, and a 5-year trend on median wages and salaries for up to 50 industry job titles. Table of Contents

Slovakia Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The Slovakian insurance industry is one of the smallest insurance industries in Europe and it was also affected quite badly by the global financial crisis. The whole economy contracted by 4.7% in real terms, which also affected the insurance industry as the annual premiums fell by 5.5% in 2009 as compared to the previous year. The impact of global economic recession was more prominent on the life insurance business, as compared to the non-life segment. With the newly elected progessive center-right government, rising employment rate, increasing savings rate and strong economic growth, the insurance sector of the country is expected to witness higher growth after 2010. In addition to these factors, housing boom in the country, improving living standard, increasing awareness about the relevance of insurance among people are also helping the Slovakian insurance industry’s growth. The country’s insurance sector is characterized by strong concentration and high competition. It is dominated by the foreign insurers. Allianz Slovenska Poistovna leads the market with highest share in both life and non-life segments. Insurers are launching attractive products in order to further improve their share and this in turn will result in increased insurance density as well penetration rate in the country. Table of Contents/List of Tables/List of Figures

Ukraine Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics Ukraine, like many other countries, is faced with exceptional economic challenges, with the national economy contracting by around 15% in 2009 alone. The weak economic status of the country has also affected the growth of its insurance industry. The industry premiums recorded a decline of 14.9% in local currency in 2009. Both its key segments, life and non-life insurance, recorded a decline but the maximum decline was recorded in the life segment. The country is relatively underdeveloped in terms of insurance penetration and the sector is anticipated to see sustained growth in future on the back of increased economic activity. Life insurance segment accounts for a very small market share because most of the Ukrainian population is unaware about the importance and benefit of insurance coverage. Declining unemployment rate, improving living standard, rising savings rate, increasing disposable income are some of the important factors which are driving investments in various sectors like real estate, automobiles, etc. and thus fuelling the growth of the Ukrainian insurance industry. In order to fuel the growth of the insurance industry, insurers need to increase consumer awareness and earn their trust regarding the benefits of these products. In addition, they should also launch innovative and attractive products, and improve their distribution channels. Table of Contents/List of Tables/List of Figures

UK Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The insurance industry, as a major contributor to the economy, is central to the financial service sector of the UK. The country boasts the largest insurance industry across the EU region, and ranks among the top five insurance markets worldwide. The insurance sector experienced substantial growth in income and profitability during 2007; however, the global financial crisis significantly affected the UK insurance industry. Post the economic slowdown, the industry registered high decline in the growth rate for two consecutive years, 2008 and 2009. Both life and non-life segments witnessed decline in premium growth resulting from the low capital levels, fall in asset value, and uncertain market conditions due to the economic crisis. Further, the global economic recession resulted in some long-term structural changes in the industry as well as commerce in the wider economy. Given the recessionary conditions, the incidence of fraud, both in terms of volume and augmented claims size, became more prevalent and increased pricing pressure in the non-life segment. Though at a slower rate, the recovering economy seems to result in certain positive for the UK insurance sector. Moreover, with regulatory development implementation and government initiative to boost the growth in various segments and sub segments of insurance industry, the landscape for insurers is expected to be positive with significant opportunities in long term. Table of Contents/List of Tables/List of Figures

Australia Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The Australian insurance industry has grown at a slower pace in the period 2004-2010 on account of severe weather events; a downturn in investment markets following the sub-prime crisis; continued premium rate pressure, particularly in commercial lines; and volatile investment markets and widening credit spreads. The global financial crisis had an appreciable impact on the life insurance industry (including friendly societies) in Australia, mainly because of the sharp deterioration in domestic and global equity markets. However, with the growing GDP, rising population, increased level of household expenditures on insurance and financial product, the Australian insurance industry is expected to maintain its slow growth pace in the near future. Also the growing opportunities from the Takaful insurance are going to benefit the insurance industry in Australia in the coming years. The Australian Insurance industry has been highly competitive. The top five players holds a major share of the market. The industry has a mixture of domestic and foreign players, with all direct players being fully licensed. In general insurance, except the top three players, most of the companies are foreign owned. On the other hand, the market for personal lines is primarily dominated by the large Australian owned companies. Table of Contents/List of Tables/List of Figures

Ireland Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The insurance industry of Ireland has shown consistent growth of 25.8% over the period of 2002-2007. However from the past two years, Irish insurance industry has registered downfall in its growth rate and the average annual growth rate of the industry has declined to 15.8% for the period of 2002-2009. Changing weather patterns have lead to severe flooding thus affecting the property market adversely. The non life insurance market sustained an underwriting loss in year 2009 for the first time since 2002, as the insurance industry was hit by both recession and extreme weather events. Positive factors which would support the growth of the industry in the near future are higher demand for automobiles, improving economic growth, demographic advantages, increased awareness towards health measures and an ageing population. The insurance segment of Ireland is highly concentrated with 98.5% & 92.8% market occupied by top ten life and non life insurers respectively. The insurance density of Ireland is very high, but has declined in the past two years due to increase in claims. In addition the Irish insurance penetration rate recorded a varying ratio from 2002-2009. . The Irish insurance market has a matured set-up; nevertheless, there is evidence of underinsurance and non-insurance in certain segments of the domestic market. Table of Contents/List of Tables/List of Figures

USA Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 23 Publisher: Koncept Analytics The US insurance sector is regarded as one of the best markets in the world, given its wide range of products and excellent customer service. The total US insurance gross premiums decreased in 2009 due to aftereffects of the recession and crisis in the financial system. High unemployment and declining payrolls also affected the overall US insurance market. Both life and non-life insurance premiums fell in 2009. Even though P&C segment witnessed a decline in premiums in 2009, its underwriting results improved due to lower catastrophe losses, reduced losses related to mortgage insurers and financial guarantors. Life insurance segment was affected by lower premiums from annuity considerations that account for a major portion of premiums share in this sector. The P&C sector is highly fragmented with a number of companies operating in the market. State Farm Group is the largest insurer and the leading writers of health insurance include United Health Group, Wellpoint, Kaiser, Aetna, Humana Group, HCSC Group and American Family Corp Group. The largest life insurer is Metlife Inc followed by New York Life and AIG. The signing of the health care reform on 21 March, 2010 is expected to make health care more affordable, health insurers more accountable, health coverage expanded to all Americans, health system sustainable, stabilizing family budgets, the Federal budget, and the economy. CBO (Congressional Budget office) has projected that growth in real GDP will accelerate after 2011, spurred by stronger business investment and residential construction. Improving economy, expected rise in disposable income and savings rate, demand for health and auto insurance policies will be driving the US insurance market in coming years. Table of Contents/List of Tables/List of Figures

Mexico Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics Mexico is the second largest insurance market in Latin America after Brazil at the end of 2009. At the end of 2009, both life and non-life insurance segments witnessed a significant rise in premiums. Many segments under non-life insurance sector experienced a real annual increase in direct premiums as compared to 2008 such as fire, earthquake, Liability, Maritime and Transport, Credit, and agricultural. In addition the premiums rose due to multi-annual renewal of the comprehensive insurance policy of Pemex, state Oil Company, held in February 2009. In life segment, both individual and group insurance policies as well as pension insurance witnessed a rise in premiums. Low insurance penetration rate in Mexico as compared to other Latin American nations represents a huge potential market for several small, niche insurance products, such as education, transportation and natural hazard products, which offer substantial opportunities. The Mexican insurance market further got concentrated at the end of 2009 with five largest insurers accounting for almost half of market share in terms of direct premiums. Met Life remained the market leader in life insurance segment whereas AXA Seguros was the leader in the non-life insurance sector. Mexican economy underwent two different phases throughout the year 2009. After contracting in H109, gradual improvement of external conditions and higher levels of industrial activity in the US led to a rebound in the Mexican economy in H209. The federal government implemented a series of measures designed to reduce the impact of the international crisis on production and employment. A large portion of Mexican population is uninsured depicting enormous opportunity for insurance companies. Life insurance premiums will be driven by demand of annuities and pension funds as they are viewed as an attractive savings option. Table of Contents/List of Tables/List of Figures

France Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The French insurance sector is one of the crucial sectors of the economy as leading institutional investors and the amount of their investment accounts for substantial percentage of the country’s GDP. The French insurers have made significant contribution in stabilizing the economic system during the financial crisis. Despite the economic crisis and tough market conditions, performance of life and non-life segments in insurance sector improved in 2009. However, the growth pattern for both the segments was in complete contrast with life insurance business growing intensively due to increased demand and non-life segment facing a slow down and henceforth a modest expansion. The profitability deteriorated for non-life insurers as the violent weather events severely impacted the country in 2009 and escalated losses with higher claim settlements in the year. With the existing slow recovery of economy and improvements in financial market, insurance will continue to be a preferred investment option in France. Moreover, the insurance sector in France is expected to maintain consistent growth as demand for insurance products will grow in the near future, especially demand for life insurance products. Table of Contents/List of Tables/List of Figures

Netherlands Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The insurance industry of the Netherlands, homeland of several top global insurance companies like ING and AEGON, is one of the most open markets in the world. The health and accident insurance business, one of the sub-segments of the non-life insurance segment, constitutes about 46% of the overall insurance market. Both life and non-life insurance segments registered healthy growth by 2008, before declining in the following period as a result of the global economic recession. In 2009, the overall Dutch insurance market witnessed a sharp decline, the downfall mainly contributed by the life insurance segment. The Netherlands government intervened in the financial sector - injected capital in the financial institutions and nationalized the Dutch activities of ABN Amro/Fortis Bank to stem their deteriorating conditions. However, now these institutions are back on track and are repaying the financial aid. In comparison with the relatively more advanced economies of the world, the insurance market of the Netherlands boasts highest insurance density. The country is unlikely to see growth in the per capita expenditure on insurance in the recent future because of the maturing market, increasing level of unemployment, and rising national population. In the meantime, the rising insurance penetration in the country is mainly contributed by the growing non-life segment. Revenues of the non-life segment are largely contributed by the improved results of health and accident sector. Table of Contents/List of Tables/List of Figures

Belgium Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics Belgium is the ninth largest insurance market in Europe as of the year end 2009 and is dominated by bancassurance conglomerates. Insurance industry in Belgium is categorized into life and non-life segments. Both these segments experienced a high single-digit decline in 2009. In the life market, unstable stock markets led to a decline in sales of unit-linked products. Non-life premiums have generally been little affected by the economic downturn except for a small number of lines of business, such as credit and surety insurance that have strong links to economic activity. The overall Belgian insurance industry is mainly dominated by AG Insurance Group which controlled about one-fourth of the premium market in 2009. The top five non-life insurers accounted for more than half of market share in terms of gross premiums in 2009 with AXA being the market leader. Major life insurers include Ethias, DIB, ING Life, Delta Llyod and Allianz. Besides the twin challenges of political instability and a growing national debt, economic recovery, which started in Q309, is expected to continue at a moderate pace with rise in new employment opportunities and domestic demand. The Government of Belgium has also implemented various restructuring plans to establish stability in bancassurance groups like Fortis, Dexia and KBC in H109 to stabilize market confidence of banking and insurance companies in the financial system. Further, expected positive growth in economy, growing individual life insurance premiums, rising automobile insurance premiums and rising health insurance premiums are major factors that will be driving Belgium’s insurance sector in future. Table of Contents/List of Tables/List of Figures

Indonesia Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 24 Publisher: Koncept Analytics Indonesia’s insurance industry is mainly classified into life and non-life businesses, where life insurance comprises the maximum share of the whole industry. The Indonesian insurance industry has shown an increasing trend of growth and acceptance in the past few years mainly due to the rising level of education and increasing consumer awareness about the insurance benefits. The average premium expenditure per person has shown tremendous growth during 2002-2009. In the last few years, increased awareness of savings (demand for insurance products similar to bank deposit products) and risk protection among the consumers, higher income and increased level of education have helped drive the insurance segment, especially the life insurance business in Indonesia. The Indonesian insurance industry has been highly competitive and the companies rely on innovation of the products and services in order to maintain and increase their respective shares in the overall market. As of June 2010, around 45 life insurance companies were licensed in Indonesia. Mega Life, Prudential Life (UK), and Sinar Mas Life were amongst the leading life insurers in 2009 and the leading non-life insurers include: Sinar Mas, Jasa Indonesia and Astra Buana, amongst others. Table of Contents/List of Tables/List of Figures

Japan Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The Japanese insurance industry is one of largest markets in Asia in terms of premium. Life insurance is the leading sector of the Japanese insurance market, accounting for more than 80% of the total insurance industry. Though the Japanese insurance density and penetration rates are quite comparable, the market is experiencing a slow growth mainly because of economic challenges which the country is facing due to global economic slowdown. Japan's non-life insurance sector has experienced stagnant growth due to sluggish domestic consumption and lowering exports affected by the global financial crisis. In this scenario, the non-life insurance sector has witnessed major restructuring in the year 2010 with the creation of two new entities - MS&AD (formed through the integration of Mitsui Sumitomo, Aioi, Nissay Dowa and their group companies) and NKSJ (formed through the integration of Sompo Japan, Nipponkoa and their group companies). With slowed economic growth, huge public debt, political instability, ongoing deregulation and demographic changes, attaining and sustaining high performance in the Japanese insurance marketplace will be a challenging task for insurance companies. However, rising aging population, increasing voluntary automobile insurance premium, increasing new car sales and increasing savings rate are some of the factors that would drive growth of the insurance industry of Japan for the next few years. Table of Contents/List of Tables/List of Figures

Malaysia Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The Malaysian insurance industry is in the phase of gradual development. Globalization, coupled with gradual liberalization of the insurance industry, not just creates new market opportunities but also fuels the competition for both life and non-life insurers. Demographic changes like aging population, high medical costs, increasing social affluence has increased the demand of insurance as a both risk protection and savings product in Malaysia. The growth rate registered by the life insurance sector is higher than non-life insurance in the previous five years. Growth in premium of non-life income has most likely occurred because of the significant rise in non-motor segments, like medical and health, personal accident, as well as liability insurance. Despite being the tenth largest Asian insurance markets in 2009, per capita expenditure on insurance in Malaysia continues to be very low, reason being the varying degree of penetration among different ethnic groups. Liberalization of Malaysian insurance industry and the growing Bancassurance and Takaful industry are few of the significant factors that will drive growth of the Malaysian insurance industry in the near future. Table of Contents/List of Tables/List of Figures

Singapore Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics Singapore is one of the most developed insurance markets in Asia. The Monetary Authority of Singapore is overall responsible for the development, supervision and regulation of the insurance industry. Insurance business in Singapore comprises life and general insurance. The general insurance business provides coverage for a wide range of risks such as fire, marine and aviation, motor, workmen's compensation and public liability. The range of products offered by life insurers includes traditional whole-of-life, endowment, term and annuity plans as well as investment-linked insurance plans. The life insurance premiums witnessed a downfall in 2009 due to decline in the sales of new business policies and new annuity business policies. In addition, the decline was most significant for single premium sales since these products are sensitive to the market sentiments. On the other hand, the non-life insurance segment showed a slight increase in net premiums due to effective management of underwriting losses in the year 2009. Singapore’s non-life market segment is dominated by American Home and the top 5 Non-Life companies constitute nearly half of the market share in 2009. Great Eastern Life is the largest provider of life insurance services. Strong rebound in the Singaporean economy, rising motor sales and increasing consumer awareness of the need for medical coverage in the face of rising medical costs are major factors that will drive the Singaporean insurance market in future. It is forecasted that the insurance premiums will grow but at a slower pace in coming years on account of slow economic recovery. Table of Contents/List of Tables/List of Figures

South Korea Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 26 Publisher: Koncept Analytics The South Korean insurance market has undergone several changes since the deregulation of life insurance sector in 1987. The deregulation of market led to the entry of foreign insurers in the South Korean market in the form of joint ventures with local companies or the acquisition of domestic players. Life insurance market accounts for a larger share of the South Korean insurance business. The domestic consumer’s slow uptake in general insurance products has restricted non-life insurance business growth. Despite the global economic slowdown, annual insurance premiums maintained a high growth trend in 2009 due to changes in the financial environment as well as diversifying consumer needs. The on-going demand for after-retirement protection-type products as well as health insurance products, including accident and illness, and medical expense coverage products are expected to drive this growth. In life insurance sector, sales of both annuities and savings insurance products are in high demand among consumers. Non-life insurance premiums growth was mainly driven by growing demand for long term insurance and automobile insurance. Samsung Life, Korea Life and Kyobo Life dominate the South Korean life insurance market, accounting for more than half of all life-insurance premiums in 2009 whereas Samsung Fire and Marine is the largest non-life insurer. Moreover adoption of IFRS (International Financial Reporting Standards) in 2011 and introduction of risk based capital system (RBC) are expected to strengthen risk management and improve financial prudence of insurers. It is expected that South Korean Insurance sector will grow in coming years on account of demand for new retirement pension scheme, health insurance policies and introduction of new products/policies with more benefits as well as protection. Table of Contents/List of Tables/List of Figures

Taiwan Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 25 Publisher: Koncept Analytics Taiwanese insurance industry has been growing mainly on account of liberalization policies introduced by the government in 1986, increased consumer awareness as well as the growing economy. Taiwan ranked third in terms of insurance density in Asia Pacific region in 2009. At the end of 2009, there were 54 insurance companies in Taiwan, of which 31 were engaged in life insurance business and 23 in non-life insurance sector. Life insurance sector witnessed an increase in premiums in 2009 due to rise in demand for annuity insurances and retirement related policies because of the increasingly aging population in Taiwan. Following the implementation of third phase of price deregulation in April 2009, the non-life insurance companies’ premium income has been gradually declining because of fierce price competition, especially for fire and voluntary automobile insurance. The Taiwanese insurance market is highly fragmented with a number of market players. Fubon is the market leader in both life and non-life insurance sectors in 2009. Other leading insurers include Ming Tai, South China, Cathay Century, Taian and Chung Kuo. Long-term care insurance is still at the preliminary stage of development and there is room for growth. Innovative products such as accident insurance, micro-insurance and foreign currency-dominated life policies have become popular in Taiwan. It is expected that the premium income from such products will increase and will drive the insurance market in future. Table of Contents/List of Tables/List of Figures

Thailand Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The Thai insurance market is one of the smallest in addition to being one of the fastest growing markets in Asia. The industry has recorded a growth during the period when the whole economy was facing the crisis. This growth is mainly attributed to the increased awareness about insurance products and the tax incentives offered by the government. The country is relatively underdeveloped in terms of insurance penetration yet the Thai insurance sector is poised for strong growth on the back of increased economic activity. The bancassurance marketing has also proven helpful in shaping the Thai insurance sector. Life insurance segment dominates the insurance industry of Thailand, accounting for 70% of the total market share. AIA is the major life insurer and it was the first foreign-owned insurance company to enter the country. Although political instability remains a worry for the growth of the sector, rising urban population, improving living standard, rising demand for automobiles are anticipated to serve as major growth drivers for the Thai insurance industry. The huge untapped rural population is another growth opportunity for the insurance sector. All these factors, coupled with high saving rates, strong economic growth, rising aging population, increasing investments in property etc. would continue to boost the Thai insurance industry in near future. Table of Contents/List of Tables/List of Figures

China Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The insurance industry of China has been growing at a strong rate, mainly due to several significant factors which include its rising per capita disposable income, increasing urban population, improving rate of employment and the growing demography of elderly people in the country. The insurance industry in China is categorized into two segments: life and non-life. The current population of China is calculated at over 1.3 billion, which makes life insurance the biggest segment of the insurance sector. A rapidly improving national economy, coupled with the burgeoning consumer class, is set to make China one of the most significant insurance markets in the world. Though the percentage share of life insurance is more than 70%, the non-life segment is projected to drive the growth of the Chinese insurance sector in the coming years. Meanwhile, the implementation of compulsory motor insurance law has made a significant contribution to the growth of the non-life insurance segment in the country. Broadened investment channels for insurance funds, variety of innovative products, health insurance reforms etc. are some other factors contributing to the growth of this industry. Further, strong economic growth, increasing investment in real estate, increasing savings rate and growing consumer awareness about the importance of insurance is also adding to the industry growth. China has a rural population of around 53% of the national total, but few insurance products are designed for this class. This is a huge untapped market which offers growth opportunities to the insurance companies in China. Geographically, premium generation is still concentrated in China’s more affluent provinces, namely, Guangdong, Jiangsu, Shangdong, Beijing, Shanghai, Dalian, Heibei, Tianjin, Liaoning, and Zhejiang. They collectively contribute to over 51% of premiums generated. China’s rural insurance market is still relatively undeveloped, and offers strong growth opportunities for insurers. However, the cost of expanding into rural markets can also be high, and profitability may not be attractive at the moment. As such, most insurers are still drawn to second or third tier cities, where growth prospects are good and the markets less saturated than first tier cities. Table of Contents/List of Tables/List of Figures

Columbia Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 19 Publisher: Koncept Analytics Colombia is the third most populated country in Latin America after Brazil and Mexico. High unemployment and tax increases continue to diminish personal consumption yet the Latin America countries are populous, young and rapidly growing, which is a good combination for long-term financial services growth. The national economy of Colombia has experienced a notable growth over the past few years as a result of increasing foreign investment. The year 2009 was satisfactory in terms of performance for the Colombian insurance industry. Life insurance, which acquires approximately 48.5% of the total insurance industry, successfully recorded growth during the weak economic conditions in 2009. Strong economic growth, rising savings rate, declining rate of unemployment are some of the leading factors to drive the insurance industry of Colombia. The recent past years have seen a strong surge in the demand for insurance in Colombia because of the ongoing launch of innovative products by insurers and the rising awareness among the population about the benefits of insurance products. Health insurance helps to reduce catastrophic expenses, but not all schemes reach out to the poorest people. By making this insurance easily accessible to the poor population of the country, the insurers can increase their market share in addition to providing good health condition to the country. Table of Contents/List of Tables/List of Figures

India Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 24 Publisher: Koncept Analytics Indian insurance industry has seen a significant growth over the past few years on account of growing national economy, increasing per capita income, growing consumer awareness about insurance products, and the entry of foreign players in the Indian market bringing in more innovative products. The Indian insurance industry operates through life and non-life segment, with life insurance, motor and health insurance being the major industry drivers. Life insurance segment, representing the largest share in the total insurance industry, is mainly perceived as a convenient method of tax-saving and hence, products like ULIPs are gaining popularity in the country. Life insurers are now designing new products that bundle life covers with pension plans and health insurance. Life Insurance Corporation of India (LIC) is the largest player within the life insurance business in India. Other major private players include SBI Life, ICICI Prudential, Bajaj Allianz, Reliance Life, HDFC Standard, Birla Sunlife, Max New York and Kotak Mahindra. During FY10, the gross premium underwritten by non-life insurance industry registered a growth of 13.4% (in local currency) over previous year. The four public-sector general insurers (New India, United India, Oriental and National, spun off from the GIC in 2000) accounted for more than 50% share of the market in FY10. The mandatory motor insurance policy and rising incident rate of road accidents has created the need to buy motor insurance, which is fuelling the growth of the motor insurance business. Indian Insurance industry being an under-penetrated market offers ample growth opportunities. Certain factors, like growing urban population and its per capita income, rising per capita disposable income, aging population, increasing healthcare expenditure and motor vehicle sales, are expected to drive the industry growth. Table of Contents/List of Tables/List of Figures

Italy Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 24 Publisher: Koncept Analytics Italian insurance industry recorded a strong growth in 2009 which was mainly driven by improving life insurance business. The country’s insurance market is dominated by the life insurance segment, which comprises approximately 69% of the total insurance market. Economic recovery boosted the investors’ confidence and increased the investments in the life insurance sector, and hence contributed to the growth of the sector. In addition, the household savings showed an improvement which became another important contributor of the growth of Italian life insurance segment. Within the life insurance segment, 'traditional' life insurance products and other products that offer guaranteed returns, rather than transferring the risk of equity-market investment to the policyholder were the most preferred products. The Italian life insurance market is moderately concentrated, with the top five companies accounting for 58.9% of the total premiums as of 2009. The concentration is even stronger in the general insurance segment, where the top five had 68.9% of the premiums during the same period. Generali dominates the Italian insurance market. Foreign insurers operating in Italy through branches and subsidiaries also hold a strong share of the Italian market, with 21.3% of all insurance premiums collected in 2009. Table of Contents/List of Tables/List of Figures

Spain Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The insurance industry of Spain can be classified into life and non-life business segments, with non-life dominating the market with the majority share. The life segment comprises life group and unit-linked businesses, while the non-life comprises motor, multi-risk, health, third-party liability, burial expenses, personal accidents, engineering, credit, transport, agricultural, pecuniary losses, assistance, legal expenses, fire, surety and theft insurance. Despite challenging macro-economic environment, the performance of Spanish insurance industry has remained stable in the recent past, mainly as a result of the improved financial markets and cost saving measures. Few of the several factors driving the Spanish insurance industry include the growing national economy, and increasing sales of health insurance. Growth prospects of the Spanish insurance sector appear significantly low for 2010, mainly because of weak economic recovery, strong market competition, and modest investment returns. The weak demand, price competition, and deterioration in the claims ratio are likely to continue and affect the non-life business, where the decline in prices is affecting motor insurance to other retail segments like home and health insurance. The Spanish insurance companies are regulated and supervised by the government through the Direccion General de Seguros. Spain's insurance market comprises both the local and foreign insurers. The number of domestic firms in the industry has fallen down during the past few years, primarily because of the firms’ insolvencies, mergers, and acquisitions. MAPFRE leads the Spanish insurance industry at present, followed by Zurich. Table of Contents/List of Tables/List of Figures

Portugal Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The recession of the Portuguese economy in 2009 was the deepest of the last three decades due to rise in unemployment rate, contraction of external demand and greater restrictions in access to finance. The 2008-2009 crisis had a significant impact on the Portuguese insurance sector as both life and non-life insurance premiums declined significantly in 2009. The non-life business was affected on account of deterioration of premiums in its two largest segments namely worker’s compensation and motor. In addition, extraordinary weather conditions that struck mainland Portugal (in particular) at the end of December 2009 and the island of Madeira in February 2010 caused an unusually large number of claims. Retirement Savings (PPR) business made a significant growth in 2009 as these products are seen as long-term saving options and premiums from this segment account for a major portion of life insurance sector. The Portuguese insurance market is highly concentrated with the top five insurers accounting for more than half of market share at the end of 2009. Fidelidade-Mundial which sells both life and non-life insurance policies is the market leader. According to forecasts by the European Commission (EC), prospects for growth of the Portuguese economy are poorer than those estimated for the Euro area for coming years due to excessive fiscal deficits in 2009. The implementation of the Growth and Stability Pact (PEC) along with the additional measures might improve the situation in future years but at a slower pace. Rising demand for health insurance, retirement savings plans, motor insurance and workmen’s compensation (both compulsory) will be driving the Portuguese insurance market. Table of Contents/List of Tables/List of Figures

Greece Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 23 Publisher: Koncept Analytics The Greece economy went into recession in 2009 as a result of global financial crisis and its impact on access to credit, world trade, and domestic consumption. These developments had a lesser impact on the Greek insurance sector given their comparatively low share in the overall domestic financial system. Both life and non-life insurance premiums witnessed a rise in premiums in 2009. Much of the growth in non-life insurance in 2009 was accounted for an increase in motor vehicle liability insurance as well as in other lines such as general civil liability, credit, assistance and fire. On the contrary life insurance segment grew only marginally in 2009 since it was affected from low interest rate environment in 2008 and H109. Insurance penetration remained low which can be improved by introducing new insurance products and implementing innovative distribution channels. Concentration in the insurance sector, based on the insurance premium turnover of the ten largest companies, remained at high levels in the year 2009, particularly in the life insurance sector. Ethiniki Hellenic dominated both life and non-life insurance market in 2009. The Greek Ministry of Labour and Social Security, together with the Ministry of Health, has planned to create a unified health insurance fund in February 2010 which may further boost the demand for health insurance products. Innovative products such as directors' and officers' insurance, environmental liability cover, insurance for renewable energy projects are in high demand. In May 2010, the IMF, euro area members agreed a bailout package for Greece, in exchange for which Greece would implement a fiscal austerity package and economic reforms. This will certainly improve the country’s near and medium-term economic and financial prospects and positively affect the insurance market. Table of Contents/List of Tables/List of Figures

Argentina Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics Argentina’s insurance industry is regarded as the fourth largest insurance market in Latin America, but it is still relatively small in terms of total premium. The non-life segment constitutes the major share in the market as the life insurance sales in Argentina are still strongly focused on high-income individuals and their families. The main reason being Argentinians still do not consider life insurance products and services as an important method of accomplishing their financial goals. Argentinean general insurance market has registered significant growth in all branches due to continuous economic recovery and positive growth in the credit market. The Argentine economy is expected to bounce back in 2010 with a growth rate of around 7% in 2010, after being plummeted to 0.9% in 2009 from 6.8% in 2008, However, the main challenge for the insurance industry is the high inflation rate (estimated at around 20-25%) across all segments as inflation is pushing up salaries and increasing claims expenses. Argentina is one of the least concentrated insurance markets in Latin America. In terms of market share, the Argentina’s insurance market has been quite fragmented, with many small players struggling to obtain a significant share. The insurance industry of Argentina has been growing at a notable rate since 2002, mainly due to increasing wealth and average per capita income, improved sales channel and demand for non-food products, particularly automobile in the country. The growth of automobile sector and the improving healthcare system in Argentina are expected to boost the country’s insurance sector in the coming years. Table of Contents/List of Tables/List of Figures

Brazil Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 23 Publisher: Koncept Analytics The Brazilian Insurance industry is the largest insurance market in Latin America. In contrast to insurance companies in the markets like U.S. and Europe, most firms operating in Brazil are multi-line firms offering health, life, property & casualty coverage. The insurance industry in Brazil has experienced steady growth since 2003. Notably, the industry has benefited from the continued growth of a new life insurance plan, known as VGBL. Automobiles are the largest risk-insurance segment in Brazil, representing 52.7% of all premiums through 2009. Brazil auto insurance industry is highly competitive as far as expenses are concerned. Brazil has a relatively small medical insurance market. Only 3% of the populations are enrolled in private insured plans. The insurance density of the Brazilian market has grown more than three folds from 2002 to 2009. But given the large size of population, Brazil’s insurance market remains under-developed as compared to Venezuela, Chile and other European nations. This gives the market a huge potential to grow, especially for the life insurance business. Banco Bradesco and Itaú Unibanco, the two largest private banks in Brazil, are the parent companies for several insurance companies. Rising population, growing automobile insurance, rising affordability, tax advantage in the country and expanding distribution network through Bancassurance are few factors which will drive the Brazilian insurance industry in coming years. Table of Contents/List of Tables/List of Figures

Germany Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics Despite the financial and economic crisis, premium income in the German insurance industry recorded a robust growth of 4.19% in 2009 as compared to 2008. The German insurance industry is dominated by the life insurance segment accounting for approximately 50% of the total market share. The remaining 50% is divided into non-life and health insurance segment. Pension products dominate the life insurance segment. 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 insurance segment is dominated by motor insurance which accounts for approximately 36.7% of the total non-life premiums. Improving savings rate, increasing disposable income, decreasing unemployment rate, and strong economy are some of the main factors which are driving the growth of all the industries in Germany including insurance industry. In addition to the above factors, increasing aging population, rising life expectancy rate, chronic health conditions are some other important factors that would be important factors of growth of German insurance industry in the next few years. With the growth of the economy in the first two quarters of 2010, the decline in the unemployment rate in the beginning of 2010 coupled with low insurance penetration rate compared to other developed countries, the German insurance industry offers growth opportunities for the insurance players. Allianz Leben dominates the German insurance market followed by Aachener Munchener Leben and R+V Lebensversicherung. Allianz is the market leader in life and non-life insurance, while Debeka leads in health insurance and Munich Re leads in reinsurance. Table of Contents/List of Tables/List of Figures

Switzerland Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The Swiss insurance industry has recorded a slight decline in premiums in the year 2009 mainly due to the decline in the growth of the life insurance segment. The non-life insurance segment remained almost flat recording growth of approximately 0.69% in 2009. Increasing life expectancy rate, increasing health care cost and rising health related problems are some of the most important drivers of the life insurance segment. Pension schemes, health insurance and retirement products would gain importance driving the overall insurance industry of Switzerland. With the economic crisis every sector saw a decline in the growth rate and same was true for the Swiss insurance industry but with recovering economy, improving living standard, increasing disposable income and increasing savings the investment in various financial products including insurance products is expected to increase which would in turn boost the growth of the Swiss insurance industry. The Swiss insurance industry is characterized by a healthy mix of insurance companies. Zurich financial services dominate both the segments life as well as non-life market. Swiss Life accounting for approximately 29.6% of the total life insurance segment is the second largest players in life insurance segment. Table of Contents/List of Tables/List of Figures

Austria Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 23 Publisher: Koncept Analytics The Austrian insurance market is mainly categorized into three segments: life, non-life, and health insurance. Despite the recession and turmoil in financial markets, the Austrian insurance sector recorded a premium growth in all the three segments in 2009. Unit and index-linked life insurance products (“prämienbegünstigte Zukunftsvorsorge”) witnessed significant growth as compared to conventional life insurance policies due to the recovery of stock markets. Non-life segment grew on account of increasing demand for motor insurance premiums (including third party) and increase in natural hazards. Although insurance penetration in Austria rose year-on-year in 2009, it is quite low as compared to other European nations such as Portugal, Ireland, Sweden and Belgium. The Austrian insurance market has become more concentrated in the recent past, mainly as a result of intense competition. In 2009, the leading eight life insurers accounted for about two-third of the market share with VIG being the largest domestic insurance group. Generali is the market leader in both P&C and motor segment. According to Oesterreichische Nationalbank (OeNB), contribution of domestic demand to GDP growth is expected to turn positive in 2011. Moreover, improving external demand will bolster exports, which in turn will have a stimulating impact on investment. Factors such as demand for mandatory third-party car insurance (Haftpflichtversicherung), rising ageing population, rising healthcare treatment costs, growth in disposable income and restructuring of health insurance system in 2009 will also support the industry’s growth over the future years. Table of Contents/List of Tables/List of Figures

Egypt Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The insurance market of Egypt is considered to be underdeveloped but it has strong growth potential, mainly in the consumer sector. The country’s non-life segment mainly comprises motor (Act & Comprehensive), accident and health insurance, however, the market also includes other business lines such as marine cargo & hull, aviation, satellite, engineering, oil, inland transport insurance products; and the life segment comprises individual and group products. Similar to other Islamic countries, Egypt’s insurance industry also comprises Takaful or Shariah insurance products. The non-life segment has the major share in the overall insurance market, but in the next few years, the life segment is likely to grow at higher rate in comparison to the non-life segment, as the non-life segment is presently saturated. The insurance industry in Egypt comprises various public and private insurance companies, however it is largely publicly owned. Egypt’s growing economy, growth in motor market and the implementation of new reforms are driving the country’s insurance industry. Some other factors including higher demand for automobiles, strong economic growth, demographic advantages, increasing awareness towards health measures and ageing population, are expected to further boost up the insurance industry in Egypt. Table of Contents/List of Tables/List of Figures

Lebanon Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 20 Publisher: Koncept Analytics Lebanon's insurance sector is economically more advanced and innovative as compared to its Arab neighbors. Lebanon ranked fifth in the Middle East and North Africa (MENA) region in terms of total insurance premiums in 2009. Growth in the insurance sector in Lebanon in 2009 was spurred by an expansion of the non-life insurance segment which recorded a significant growth and was much higher than the MENA average growth. Growth in the non-life insurance premiums is attributed to increased comprehensive motor insurance for new cars sold and replaced health insurance. However, life insurance premiums declined due to global financial crisis that had a negative impact on personal savings. Insurance penetration in Lebanon is far below the world average and hence there is a strong potential for further expansion. The top five life insurers in Lebanon controlled more than half of the market share in 2009 with American Life Insurance Company (ALICO) being the market leader. Medgulf, Bankers, AROPE, AXA and Allianz SNA are major non-life insurers in Lebanon. The expectation that economic growth will resume in 2010 coupled with the growing demand for motor insurance, emergence of bancassurance and rising population will drive the insurance sector premiums in Lebanon in the near future. Table of Contents/List of Tables/List of Figures

Bulgaria Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 23 Publisher: Koncept Analytics The Bulgarian insurance industry characterized by its small size and fragmented structure is relatively underdeveloped as compared to other countries of EU. The rising popularity of conventional life & annuities as well as accident products has brought an improvement in the performance and demand of the life insurance market. The growth exhibited by non-life segment in Bulgaria was better in comparison to the growth of life insurance segment. Decline in the premium income of the non-life insurance sector can be attributed to the crumbling motor insurance in the country. In addition to the declining motor insurance business, other non-life businesses like property/ fire insurance also witnessed significant decline due to the global financial crisis. Bulgarian insurance industry is still at the preliminary stage of development and there is room for growth. It is expected that the growing demand of pension products and rising income of people will drive the insurance market in future. Health insurance holds potential as it is the only segment in Bulgaria which continues to expand and will likely facilitate the growth of the insurance market in the near future. For the last few years, leading international insurance companies are the dominating players within the Bulgarian insurance industry. At the end of 2009, the majority of insurance companies (around 30) operating in Bulgaria were foreign-owned. The largest ten non-life insurance companies had a market share of 86.6% in terms of gross direct premiums as compared to 93% of life insurance companies in 2009. Table of Contents/List of Tables/List of Figures

Croatia Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 Publisher: Koncept Analytics The total insurance premiums of the Croatian market declined by 2.7%% in 2009 due to the economic slowdown, collapse in the financial markets, increased unemployment and decrease of real income. Non-life insurance, the dominant segment of the insurance industry of Croatia accounted for three-fourth of the gross written premiums and the compulsory motor insurance emerged as the only positive growth segment of the insurance industry in 2009. The Croatian economy, after a contraction of 5.8% in 2009, is likely to see zero growth in 2010 which would also affect the growth of the insurance industry. It is estimated that 2011 and for few more coming years, the national economy would experience a consistent positive growth which would also have a positive impact on other industries including insurance. However, improving employment rate, rising household income, increasing savings amount are some of the important drivers of the insurance industry which would be driving the industry for the next few years. The low insurance penetration rate also provides wide opportunities to the players to increase their presence by providing attractive and beneficial products to the customer. Table of Contents/List of Tables/List of Figures

Czech Republic Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 21 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). Since the accession of the Czech Republic to the European Union (EU) in 2004, the structure of its insurance market has changed significantly. Furthermore, the implementation of new rules and regulations have added to the growth of the Czech insurance industry in foreign or cross-border insurance undertakings desiring to conduct business in the country. Insurance business in Czech Republic comprises life and non-life insurance. Despite a notable decline in the domestic economy in 2008-09, following the worldwide financial crisis, the insurance sector recorded growth in local currency terms, particularly on account of increased sales of motor vehicle. In addition to this, rise in other sub segments of the non-life insurance business, such as property/ fire/ natural perils insurance, also helped boost the growth of the insurance market. The range of products offered by life insurers includes assurance on death, survival, personal injury & sickness, annuities, marriage & birth insurance as well as investment-linked insurance plans. The Czech insurance industry market has developed with the changes in policies in health insurance policy for foreigners and regulations of car insurance. Strong rebound in the Czech Republic economy, rising motor sales, and growing healthcare expenditure are anticipated to be few of the key factors to drive its insurance market in the years to come. The insurance premiums are projected to grow in the coming years yet the rate of this growth is likely to remain slow due to limited insurance penetration and frequent occurrence of natural disasters. Table of Contents/List of Tables/List of Figures

Hungary Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 23 Publisher: Koncept Analytics Deregulation of Hungarian insurance sector during the first half of the nineties opened the doors to foreign insurers, which led to a high growth in its entire insurance sector. However, the demand for insurance products saw a significant drop in 2009 with premium incomes notably decreasing, particularly, in the life insurance segment. Due to heavy downturn in the capital market, demand for fund-like investment products, such as investment funds, pension and health care funds and unit-linked life insurance contracts, witnessed a significant decline in 2009. The non-life insurance sector was also affected due to low growth in motor insurance, which resulted from the decline in vehicle sales. A huge budget deficit, slowed economic growth, declining employment and a fresh levy of taxes on the financial sector will have implications on the insurance industry of Hungary in the near future. The insurance sector in Hungary is highly fragmented with a large number of players operating in the market. The five largest insurance companies - Allianz, (Germany), Generali-Providencia (Italy), Groupama Garancia (France), Aegon (Netherlands) and ING (Netherlands) - held more than half of the market share at the end of 2009. Allianz dominates the non-life insurance sector whereas ING is the market leader in life insurance segment. Reforms in public pension system that included increasing the retirement age, changing the calculation of pension bonuses, and retirement benefits, in addition to the demand for MTPL insurance policies will further drive the demand for insurance policies in future. Table of Contents/List of Tables/List of Figures

Kazakhstan Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics The economy of Kazakhstan is mainly driven by its oil and gas resources. The rising international demand for crude oil has not only benefited the national economy but has also resulted in an increase in the per capita income, and non-food categories like property and automobiles. Growing GDP, national income and the subsequent improved standard of living, development of social insurance for the underprivileged, and rising population has helped drive the insurance segment, particularly non-life business in Kazakhstan in the last few years. The life insurance segment of Kazakhstan is still in its nascent stage and it accounts for a very small share of the domestic insurance market. The insurance industry of Kazakhstan has shown tremendous growth over the period of 2002-2007. However, this growth has been following a negative trend since the past two years, mainly due to the slowdown of national economy and a subsequent fall in the country's banking and corporate sectors' business activity. The life insurance segment accounts for a minimal share of the overall insurance industry, primarily because of the meek faith of the people of Kazakhstan in using local financial institution as a medium of long-time savings and investment. The non-life insurance segment, on the other hand, constitutes the major part of the Kazakh insurance industry; however, the segment has been registering a fall since the past two years due to the effects of global financial crisis and a decline in the voluntary property insurance. Table of Contents/List of Tables/List of Figures

Poland Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 26 Publisher: Koncept Analytics Poland is Europe's 13th largest non-life insurance market (excluding the UK) and the most developed market for life insurance in the CEE region. The Polish insurance market is the largest in Central and Eastern Europe, accounting for slightly less than half of the regional GWP by the end of 2009. Poland's insurance industry witnessed a decline in gross written premiums in 2009 mainly because of economic slowdown and lesser demand for insurance and investment products. The life insurance segment has been most affected by the worldwide financial crisis, with term-life and unit-linked products registering the highest negative growth within this segment. The impact of economic recession was relatively lesser over the non-life insurance premiums, except for a few lines of business, like credit insurance, that have strong links to economic activity. Motor insurance constitutes the largest class of insurance business in Poland. However, the recent growth has been mainly driven by the high demand for property, fire and general liability segments of the non-life insurance market. As of 2009 year-end, 64 insurance companies provided services in Poland, according to the Financial Supervision Commission. PZU dominates both life and non-life insurance sectors with a major share of the market. Recovery of the overall economy, growing motor market, and rising demand for pension insurance are few of the key factors that will be driving the Polish insurance market in the years to come. Table of Contents/List of Tables/List of Figures

Romania Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics Deregulation of the Romanian insurance sector in 1990 and the establishment of Insurance Supervisory Commission in 2000 resulted in the entry of large foreign players in the country as well as growth of the overall insurance sector. The Romanian insurance market is clearly dominated by non-life insurance business, with life insurance generating only a small portion of the total premium volume. The year 2009 proved highly challenging for the Romanian insurance sector. Both life and non-life insurance segment were affected by a steep decline in the credit activity and consumer spending during the year. The life insurance segment generates a significant portion of its premiums from life assurance products and annuities, whereas the non-life business is dominated by MTPL and CASCO segments. ING remains the undisputed market leader in the life segment whereas Allianz Tiriac dominates the general insurance market. Romania's GDP fell in 2009 mainly because of poor performance of the construction and services sectors; however, the Government of Romania projects the national economy to resume growth in 2011. The law enforcing the issuance of mandatory home insurance against natural disasters is expected to increase the demand for such policies. It is expected that the Romanian insurance sector will grow at a slower pace over the years 2010-2013 due to negative impact of financial crisis. Table of Contents/List of Tables/List of Figures

Russia Insurance Market Intelligence: 2011 Edition Price: $600.00 (€469.78) ($720.00 (€563.74) Including VAT at 20%) Publication Date: 01-Jan-2011 Format: PDF Email Pages: 22 Publisher: Koncept Analytics Russia is the world’s 19th largest insurance market in terms of gross written premium. The insurance industry contributes 2.5% to the country’s GDP. One of the major factors driving growth of the Russian insurance sector is the voluntary insurance policies that have grown at a substantial rate over the years. In fact, the premiums collected by companies in terms of voluntary insurance have registered a significant growth. However, the compulsory health and motor third-party liability (MTPL) insurance continue to account for a large share of the market as compared to the voluntary life businesses. Apart from the compulsory MTPL, the property insurance has also boosted the growth of the non-life business in the country. There are two major mandatory insurances in Russia, mandatory health insurance (OMS) and mandatory motor third party insurance (OSAGO). The early excitement of the insurance companies over OSAGO has been declining recently as more and more inefficiencies of this product have been evident. Nevertheless, there is ample potential in Russia for OSAGO that would drive its insurance industry in the years to come. The market share of life insurance segment of Russia is very low and it is decreasing consistently. The insurance market of Russia remained highly fragmented in 2009, with about 800 insurance companies jockeying for market share. Table of Contents/List of Tables/List of Figures

2011 U.S. Property & Casualty Insurance Carriers Industry Report Price ENTERPRISE LICENSE $699.00 Publication Date: 05-Oct-2010 Format: PDF Pages: 199 Publisher: Barnes Reports The Property & Casualty Insurance Carriers Industry report, published annually by Barnes Reports, contains timely and accurate industry statistics, forecasts and demographics. The report features 2011 current and 2012 forecast estimates on the size of the industry (sales, establishments, employment) nationally and for all 50 U.S. States and over 900 metro areas. New to the report this year are: financial ratios, number of firms and payroll estimates. The report also includes industry definition, 5-year historical trends on industry sales, establishments and employment, a breakdown of establishments, sales and employment by employee size of establishment (9 categories), and estimates on up to 10 sub-industries, including fire, marine and casualty insurance, automobile insurance, workers' compensation insurance, and property damage insurance. Table of Contents

2011 U.S. Insurance Agencies & Brokerages Industry Report Price ENTERPRISE LICENSE $699.00 Publication Date: 05-Oct-2010 Format: PDF Pages: 232 Publisher: Barnes Reports The Insurance Agencies & Brokerages Industry report, published annually by Barnes Reports, contains timely and accurate industry statistics, forecasts and demographics. The report features 2011 current and 2012 forecast estimates on the size of the industry (sales, establishments, employment) nationally and for all 50 U.S. States and over 900 metro areas. New to the report this year are: financial ratios, number of firms and payroll estimates. The report also includes industry definition, 5-year historical trends on industry sales, establishments and employment, a breakdown of establishments, sales and employment by employee size of establishment (9 categories), and estimates on up to 10 sub-industries, including insurance consulting, insurance adjusters, pension planning, and retirement planning. Table of Contents

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