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��ie�Y��!VT �9lv9�UȊ5�F,L@�ٱ��Ҹ^��f��^( ׸V}2�7��͑��%�,�?��E��>��!Uŀ�l��׃W)�>C� �uK�r�ʄ 6E�� iX�~ �S#}��r��lZ��/��}^vC��Mx��SW ȝ��Q�j�O|Q�� WFZ�L#��"_��T+��\��I�m��t��7+]�xhD��.Pw� `R ��a�+d��'ٱP ��^ ��`!��_��n[,~��֞I�^t�y}qp��ѕG��F�ц��Ī�� \gY��[��I��3�ۙ�� Claire Wilkinson. After an eventful year, what are the major trends affecting premium growth? siggmaNomsigmam3/m201Pr2 1 This sigma is the 400th edition published since the series began in 1968. World insurance series. Our data driven research publications, including the industry leading sigma, enable risk focussed decision making and identify strategic opportunities in the re/insurance industry. The Chinese life market grew by 21% in 2017, well above its ten year average of 14%. The aim of the Swiss Re Group is to enable society to thrive and progress, creating new opportunities and solutions for its clients. What lines are most responsible for profitability in the current market environment? Premiums paid to state social insurers are not included. We forecast that global growth will weaken to around 2.8% in 2020, as advanced markets and China slow while emerging economies strengthen. Head Behavioural Research. Swiss Re Annual Report 2019 To enhance your user experience and to deliver our online services, this website uses cookies for reasons of functionality, comfort and statistics. Swiss Re Institute's latest sigma examines the development of life and non-life premiums in the global primary insurance industry in 2017. The Swiss Re Group is one of the world's leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. Swiss Re’s 2019 world insurance study is based on direct premium data from 147 countries, with detailed information on the largest 88 markets. With selected research partners, we explore the future of risk coverage, assess changes in the risk landscape and act as a catalyst for industry change. endstream endobj 393 0 obj <>>>/Filter/Standard/Length 128/O(O��4z�}��.L�}>�=�H��B��>a)/P -1324/R 4/StmF/StdCF/StrF/StdCF/U(�,��O��,\nE��U )/V 4>> endobj 394 0 obj <>>> endobj 395 0 obj <> endobj 396 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/Properties<>/XObject<>>>/Rotate 0/Thumb 151 0 R/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 397 0 obj <>stream %PDF-1.6 %�� Financial Report 2015 View interactive report (PDF:) Download PDF Annual Report 2018. Business Report 2018 View interactive report (PDF:) Download English PDF (PDF:) Download German PDF In the non-life sector, growth in 2017 slowed but still remained robust. Reporting Home 2018 Predict. �ז�6�AC�M�Ia1! The slowdown in emerging markets was largely driven by China, where the speed of expansion fell to a still solid 10%. Policies may be offered along wit… l�'�+M��V?�L��j��Ӡ�۲��q��hzc��[�!o��w'��zP�Pz5aK��)}��Q ��8�� %��T#Nr��>�A Swiss Re Global insurance review 2016 and outlook 2017/18 1 Executive summary Moderate growth is expected over the next two years, with US real GDP growing slightly faster than 2%, the Euro area by about 1.5%, and the UK by 1.0-1.5%. 416 0 obj <>/Encrypt 393 0 R/Filter/FlateDecode/ID[<9C9F2594C88D2D4AA8928F23A23F5EA3><0277A9EBC6B3A144908E8E0EA5355363>]/Index[392 57]/Info 391 0 R/Length 122/Prev 1076535/Root 394 0 R/Size 449/Type/XRef/W[1 3 1]>>stream Reporting Home 2015 We make the world more resilient. The premium data in sigma-explorer sigma is based on the direct premium volume of insurance companies, regardless of whether they are privately or state owned. Source: Insurance Information Institute using data from Swiss Re, sigma, No. %%EOF Swiss Re sigma No 4/2015 1 Executive summary The economic environment for insurers improved only marginally in 2014, as global real gross domestic product (GDP) rose by 2.7%, near the 10-year annual growth rate average of 2.8%. Analysing 50 years of growth patterns and insurance penetration. (2) Includes accident and health insurance. 1 Swiss Re, “sigma NO 3/2018: WORLD INSURANCE IN 2017: SOLID, ... .pdf, accessed September 2018. Source: Swiss Re, sigma, No. Information and methodology of sigma explorer data . ... to the Swiss Re Institute’s sigma report. World Insurance Report 2020. Source: Korea Insurance Research Institute, Swiss Re Sigma, EY analysis $104 billion Gross written premium, life, USD, 2018 7.4% Market penetration, life, 2018 23% Share held by market leader, life, 2018 Recovering share from foreign insurers South Korea’s life insurance market has expanded through endowment, which foreign insurers did not cover. The Swiss Re Institute expects global non-life premiums to rise, led by the US, where the economy is strengthening. China remains the major source of emerging markets growth. Source: Swiss Re, sigma database, ... Swiss Re, sigma database, sigma No. The life sector in advanced markets has yet to recover from the 2008 financial crisis. We also analyse profitability trends and provide an outlook for the Growth in both the life and non-life sectors slowed. In the US, the non-life industry benefitted from higher rates in motor business, while prices in commercial lines remained under pressure. It also predicts that global life insurance premiums will improve over the next few years, driven by strong growth in China. In emerging markets, life and non-life premiums increased 14% and 6.1% respectively in 2017. 392 0 obj <> endobj Our applied research covers emerging risks, industry trends and topical deep dives. World insurance: Methodology and Data . Our events (conferences, client programmes and webinars) examine topics relevant to understanding risk and re/insurance. 5��I��Q��"�� W}A�P�ݬ��g͉3ii[ǋc �t?2N��1bm. Superior research driving better decisions. The world insurance sigma covers premiums written in the global primary insurance industry. A 2012 Swiss Re study put global commercial insurance premiums at $600 billion in 2010, with the U.S. accounting for the largest share ($237 billion in direct premiums written), followed by Japan ($35 billion), China ($31 Non-life premium growth in advanced markets remained broadly stable in 2017, at 1.9%. As digital adoption is now mainstream across generations and willingness to purchase insurance from BigTechs is increasing, the World Insurance Report 2020 from Capgemini and Efma explores the changing trust equation between insurers and customers, and how insurance companies can use hyper-personalization to address it. According to the World Health Organization, diabetes claims the lives of 1.6 million people every year. Swiss Re, sigma No 3/2012 1 The insurance industry faced a difficult economic environment in 2011. Products vary in type and structure but are generally distinguished by high volumes, low cost and efficient administration. Overall, global insurance premiums increased 1.5% in real terms to nearly USD 5 trillion in 2017, versus 2.2% in 2016. 3/2019. For 50 years (see anniversary pages), sigma has been publishing data on the global insurance markets showing the changing growth patterns and developments of insurance penetration. As Swiss Re is also celebrating its 150 Years Anniversary, we take a closer look at the 50 years of unique data on global insurance markets and take a long-term perspective on premium Francesca Tamma Among advanced Asian markets, expectations of lower mortality rates have delayed life insurance purchases in Japan. The study also provides a market outlook and highlights issues such as the impact of low interest rates, increasing competition and regulatory changes on profitability in the industry. (P&C) insurance market is approximately JPY9 trillion, ranked fourth in the world. The creation of the Swiss Re Institute further strengthens our steering of R&D activities. Published annually, it has become one of the fixtures of the sigma programme since 1968, the publication's inaugural year. Global real gross domestic product (GDP) was … Protect. Emerging Asia 68.2% $754,588 Latin America and Caribbean 14.7 162,521 Emerging Europe and Central Europe 7.2 80,261 Africa 6.2 63,383 Emerging Middle East 3.7 41,335 Total 100.0% $1,107,088 Insurance Information Institute | 2020 Insurance Fact Book 14 1. A growing number of insurers are tapping into markets in developing countries through microinsurance projects, which provide low-cost insurance to individuals generally not covered by traditional insurance or government programs. The study also provides a market outlook and highlights issues such as the impact of low interest rates, increasing competition … This page gives quick access to all the resources. This page gives quick access to all the resources. Insurers are less ready for change than their customers, most of whom want more comprehensive and dynamic coverage. Swiss Re sigma No 3/2018 1 Executive summary In this edition of sigma, Swiss Re Institute examines the development of premiums in the global primary insurance industry (direct premiums written) for the life and non-life sectors. Source: Swiss Re, sigma, No. This edition of sigma contains a special anniversary double pager where worldwide premium developments since the late 1960s are analysed in more detail. Swiss Re Institute's latest sigma examines the development of life and non-life premiums in the global primary insurance industry over the past year and includes a special anniversary double pager analysing worldwide premium developments since the late 1960s. endstream endobj startxref Global life premiums increased 0.5% to roughly USD 2.7 trillion in 2017, while global non-life premiums rose 2.8% to approximately USD 2.2 trillion. World Life And Nonlife Insurance Direct Premiums Written, 2017-2019 (1) Export To Excel (US$ millions) Year ... Includes accident and health insurance. Swiss Re Institute's latest sigma examines the development of life and non-life premiums in the global primary insurance industry over the past year and includes a special anniversary double pager analysing worldwide premium developments since the late 1960s. sigma 1/2018: US highlights Swiss Re Institute 1 sigma 1/2018: Natural catastrophes and man-made disasters in 2017: a year of record-breaking losses US highlights 2017: a year of historic losses At more than USD 144 billion, global insured losses from catastrophe events in 2017 were the highest ever on sigma … Life premiums in advanced markets, which fell 2.7% in 2017, were the primary cause of the drag on global growth. Well documented factors, such as the depressed economic environment, stagnant wages combined with low interest rates and changing solvency regimes made traditional savings products with interest rate guarantees both unattractive for consumers and life insurers. In the years to come, advanced markets will contribute more than half of the additional premiums in absolute terms. Of the estimated 422 million adults affected by the disease, 60 percent reside in Asia, where diet and lifestyle changes brought on by booming economies have contributed to a surge in diagnoses. 87R-�`&8}`��@��-�L4�(�h�])��b�&B�GA��I��[R��K��$Iv�ׯp�v��`ν��@h��kgRQ mH�ꁮ[�)�F�2�� Ak{G�+�J�\%��H�� 2V��*MH�n�:b�}��IA��T�L�n˝�KJc��h�.��|��'�!��-��cf�j C#�y6��X�#�� UkTZDR�+��]�U�l��q3�}��Rka��$�40��_��r�|��fA�ا�VBeJ��"�U�F%GL�) Nb��.p{�u�ڴ�>�N3��@��$��Y��6N��5"�2B��s�V"�U_V\[ڝ�Hd$��c�9��yI�n|1�[��~�=��2�R�S��KPk�d2�J��~�}��ob'O�%��tf2݅Ao�]��^��Q_x��>n��@O7Sս.��iC��m�8�5O/�F��5et 3/2018. While global life insurance premiums fell, non-life insurance prices began to harden in some markets and premiums grew. 3/2018. Ehibit 1: lobal irect Non-Life Insurance Premium a Written (USD bn) and Inﬂation Adjusted Growth (%), 2008-17 a lobal nonlife insurance premiums include health insurance premiums Source Capgemini inancial Serices nalysis, Sigma xplorer, Swiss e Institute, accessed ctober, 1,751 1,706 1,798 1,955 1,992 2, 072 2,125 2, 57 2,121 2,234 (1.4) 0 .5 The world insurance sigma covers premiums written in the global primary insurance industry. Life and nonlife premium - �>zckg��g��ڰk��f F�� ~��g8[�ޥf4� ��@�-X�+]/��EE��)��HT��%AM@�#� $�*CXs1O6�|4f��,}ݨGv�� ]�њsk�D��1c�T;��0G�&uP� e�Hp�J>v#*F��D��5��f6=�a�x]l��f��?��v�"�v��(zö��}��/��G��#��]l�� China continued to be the main growth engine in emerging markets. 0 By continuing to browse the site, you are agreeing to our use of cookies. Swiss Re sigma No 3/2016 3 The global economy and financial markets in 2015 Global economic growth uneven across regions The global re/insurance industry faced another year of moderate economic growth in 2015. According to the Swiss Re sigma report, insurance density or premium per person stood at $73 for FY18 versus $59.7 in the previous year. Business Report 2015 View interactive report (PDF:) Download PDF. h�bbd```b``�"��H�_`�D2�H�� 2�%�� v:X$\$s��"��A��r0[DFi��s��n`��Ad��@�o\##�$�=�C��8�@� �D� China is now the second largest life market globally after the US and accounts for more than half of emerging market life insurance premiums written, or 11% of the world total. The insurance markets in emerging countries have outperformed the corresponding economies for decades, given the current low levels of insurance penetration. Geographically speaking, where is premium growth centered? (click to show list of locations and regional sites), World insurance in 2017: solid, but mature life markets weigh on growth, Behavioural science may explain vaccine hesitancy, Discover all Corporate Solutions locations, special anniversary double pager analysing worldwide premium developments since the late 1960s, increased 1.5% in real terms to nearly USD 5 trillion in 2017, versus 2.2% in 2016, Global insurance premiums continued to rise in 2017 with emerging markets leading the way, latest Swiss Re Institute sigma study says. Falling life premiums in advanced markets such as the US or Western Europe were the main cause of drag on life premium growth. Swiss Re Institute sigma No 3/2019 1 Executive summary Global economic growth supported the insurance sector in 2018, with real gross domestic product (GDP)1 up 3.2%. Microinsurance products tend to be much less costly than traditional products and thus extend protection to a much wider market. Prepare. In the North American life market, industry players exited the retirement savings business, including variable annuities. World Life And Nonlife Insurance In 2019 Outside the United States, the insurance industry is divided into life and nonlife (or general insurance), rather than life/annuities and property/casualty. Paris, May 14, 2019 – The World Insurance Report 2019, published today by Capgemini Efma, reveals that policyholders are increasingly concerned that their insurance coverage has become insufficient for emerging risks, from cybersecurity to environmental threats. 5 PRWeb, “Leading Carrier and Reinsurer Partner with Insurtech Startup Bestow on its Highly Anticipated, On-Demand Platform,” September 07, 2017, ... “Fabric Insurance Review 2018,” February 7, 2018, Published annually, it has become one of the fixtures of the sigma programme since 1968, the publication's inaugural year. Slower, but still solid growth in emerging markets led to the slowdown in the non-life sector. The improvement was driven by the advanced markets, led by the UK. (2) Includes accident and health insurance. Global disasters cost insurers $85 billion in 2018: Swiss Re. Overall, direct premiums declined 0.8% in real terms.1 However, 3/2014. (1) Before reinsurance transactions. 448 0 obj <>stream