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市場調查報告書
景氣衰退及人壽保險・年金產業
Weathering the storm in Life and Pensions
| 出版商 |
Datamonitor |
| 出版日期 |
2007年12月 |
商品編碼 |
58745 |
| 內容資訊 |
英文 14 pages |
| 價格 |
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本報告已在2011年07月19日停止出版。
本報告書內容包括：人壽保險企業、財務管理專家對經濟不景氣的認知調查、經濟不振及對人壽保險・保險產業的影響、適合在不景氣推出的商品及服務、與財務管理專家關係的注意要點等。內容綱要摘記如下：
Datamonitor的觀點
全球年金・人壽保險產業
- 人壽保險企業、財務管理專家對經濟不景氣的認知
- 人壽保險業及不景氣
- 應檢驗的策略
- 受到打擊相對較少的人壽保險業
- 溝通的重要性、等
- 商品重新設計的必要性及從過去失敗中獲取的教訓
- 本金保證商品及平準化商品的重要性
- 商品的透明性
- 與人壽保險商品之外商品的競爭
- 複數商品整合的必要性
- 保險業者對財務管理專家過度依賴
- 財務管理專家：沒有在不景氣時支援保險業者的策略
- 瞄準掌握主導權時間點的財務管理專家
附錄
圖表
Abstract
Overview
Introduction
There are conflicting views among wealth managers and economists, as well as
in the media, about the extent and duration of sub-prime mortgage defaults and
the resulting credit squeeze. Datamonitor predicts that the impact on
financial services will be significant, and will last through 2009. We have
produced a series of reports to identify the strategies to help them insulate
their revenues.
Scope
- Introduces Datamonitor' s detailed analysis of the global investment
markets through 2011
- Assesses the smart strategies around marketing and communications, and
identify the companies that have been proactive in contacting their client base
- Identifies the products and services that will keep and/or attract clients
in today' s market, including examples of the companies launching them
Report Highlights
Despite the fact that life companies will be less hard hit than other areas of
the asset management industry complacency must be avoided. To many investors
who do not understand the intricacies and variations in investment strategies,
all institutions may be tarred with the same brush in the short term, despite
differences in the long term.
The results of a Datamonitor survey show that 34% of advisers surveyed are
unconcerned by the possibility of a recession in 2008, despite the turmoil in
global markets, huge losses by key financial institutions and the slowdown in
house prices. However providers are relying on advisers to communicate their
strategies to clients.
The consensus in the market is that life companies should avoid spending large
sums on developing new products, focusing instead on improved customer
targeting, marketing and cross-selling the existing product range. It is about
communication and consolidation rather than new product ranges.
Reasons to Purchase
- Learn what the global investment markets have in store for wealth managers
through 2009, and why.
- Identify the strategies that will keep your customers through concrete
examples of peers that are implementing those strategies already
- Identify the best products and services to launch, or re-launch, in
today' s market, and those that will best position you during the recovery in
2009
Table of Contents
- DATAMONITOR VIEW
- WEATHERING THE STORM IN LIFE AND PENSIONS
- Life companies and financial advisers fail to recognize that a downturn
could be imminent
- The life industry will feel the market downturn but will be shielded
from the worst effects
- Although the market will be cushioned, strategies still need to be
examined
- The reality is that life company asset managers will be less hard hit
than other players in the asset management industry
- Communication is vital if the impact of short-term fluctuations is to
be avoided
- Asset management strategies in the life industry will remain largely
unchanged in a market downturn
- Realistic reporting may save life companies from the uncertainty
that hit them in the last bear market
- Providers are not unwilling to communicate with their clients but must
do so more readily
- Product redesign may be necessary but providers must learn from previous
mistakes
- Capital-protected products and smoothed products will increase in
importance but targeted marketing rather than new product development must
be the focus
- Increasing product transparency holds a mirror to the downturns as
well as the upturns
- Competing products outside the life market will continue to represent
a challenge
- Some consolidation of products to the lines that are most profitable
and core to the business is necessary
- Providers are over-reliant on advisers to keep their clients
- Advisers do not have strategies in place to aid providers in market
downturns
- Advisers will wait to take the lead from providers
- APPENDIX
- Definitions
- Currency peg
- Exchange-traded fund (ETF)
- Guaranteed fund/Capital-protected fund
- Risk tolerance
- Uncorrelated investment
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
- List of Tables
- Table 1: UK life and pensions company assets under management split by
asset class, 2002-06 (%)
- List of Figures
- Figure 1: Responses to the question "How concerned are you about the
potential for a recession in the next year?"
- Figure 2: Just 7.1% of UK life company assets are held in
property-related investments
- Figure 3: Responses to the question "Which of the following provider
qualities would be more or less important during a market downturn than
now?"
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