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市場調查報告書

英國的養老金保險市場:主要趨勢與市場機會

Pensions in the UK - Key Trends and Opportunities to 2019

出版商 Timetric 商品編碼 297691
出版日期 內容資訊 英文 58 Pages
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英國的養老金保險市場:主要趨勢與市場機會 Pensions in the UK - Key Trends and Opportunities to 2019
出版日期: 2015年09月25日 內容資訊: 英文 58 Pages
簡介

英國的確定提撥型(DC)年金市場的新契約保險費,2010年增加了9.0%,2011年增加了5.6%,2012增加了年7.7%。確定給付型(DB)養老金用戶的減少,及股市、勞動市場的改善,養老金給付開始年齡提高等,為市場成長的主要原因。個人/企業年金保險市場,雖然在2008∼2009年的金融危機受到很大打擊,不過之後急速恢復,在分析期間(2008∼2012年)全體的市場成長率達到了年複合成長率0.45%。還有相對於個別個人養老金有持續縮小趨勢,團體個人退休金(GPP)蓬勃普及,企業年金的保險費持續增加。

本報告提供英國的養老金保險市場相關分析、制度的特徵和市場結構、推動因素與課題、市場規模趨勢(過去、今後5年份)、各制度(個人/企業年金)、形態的詳細趨勢(用戶數、保險費等)、產業的競爭力、近幾年的產業趨勢(資本交易、產業聯盟等)、政府的相關法規、政策,再加上主要企業簡介等調查,並將結果概述為以下內容。

第1章 摘要整理

第2章 簡介

  • 本報告概要
  • 定義
  • 分析方法
  • 市場規模
    • 個別個人退休金(IPP):新契約的保險費
    • 企業年金(Workplace pensions):新契約的保險費
  • 民間退休金制度(Private Pension Schemes的)用戶
  • 職務範圍養老金制度(Occupational Pension Schemes的)用戶
    • 各部門、各養老金形態
    • 各形態、各養老金形態
  • 企業年金制度的用戶
    • 各形態(確定給付型(DB)/確定提撥型(DC))、各企業規模
    • 適用除外(contracted out)養老金的加入情形
  • 民間職務範圍年限制度的保險費率(DB/DC)
  • 推動市場要素
  • 市場未來展望
  • 通路

第3章 競爭環境

  • 業績前幾名企業
  • 養老金保險的SWOT分析

第4章 波特的五力分析

  • 供應商談判力:高
  • 買主談判力:中∼高
  • 進入障礙:中
  • 同業間的競爭:高
  • 替代產品的威脅:中

第5章 資本交易趨勢(共10件)

第6章 法規與合法性

  • 英國的民間退休金制度相關法規
  • 法規的修改(共13件)

第7章 經濟背景

  • 實質GDP成長率
  • 人口結構
  • 勞動市場趨勢
  • 每人GDP及家計可支配所得

第8章 企業簡介

  • Aegon UK Plc
    • 主要資料
    • 主要商品
    • 主要的競爭企業
    • 經營幹部
  • Aviva Plc
  • Legal and General Group
  • Lloyds Banking Group
  • Old Mutual Plc
  • Prudential Plc
  • Royal London Group
  • St James's Place UK Plc
  • Standard Life Plc
  • Zurich Financial Services Ltd

第9章 統計資料

  • 過去的實際成果值資料
  • 未來的預測值資料

第10章 附錄

圖表一覽

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目錄
Product Code: FS0139MR

This report is the result of extensive research into the pensions market in the UK, covering its market dynamics, outlook and competitive landscape. It provides details of the market size and projections of new business premiums, and explores the impact of the latest government reforms on pension providers. The report also provides an overview of leading companies, discusses the types of pension schemes and distribution channels for pension products.

Summary

  • The report provides market analysis and insights into the UK pensions business.
  • It provides a snapshot of the market size and market segmentation.
  • It analyzes drivers, regulatory changes and the outlook for the market.
  • It provides analysis of distribution channels for pension products.
  • It also discusses key competitors and the impact of the new regulations on them.

Scope

  • This report provides a comprehensive analysis of the pensions market in the UK.
  • It provides estimates for new business premiums for the report's 2010-2014 review period and the outlook for the market.
  • It provides analysis of growth opportunities in the pensions market.
  • It discusses changes in the pensions industry with regards to distribution.
  • It profiles top pension providers and outlines key challenges facing them.

Reasons To Buy

  • Gain an understanding of the UK pensions market and the types of pension schemes.
  • Explore market dynamics across individual and workplace pension categories.
  • Learn about the key trends expected to shape the future direction of the market.
  • Understand key issues for advisers in the post-budget retirement landscape.
  • Find out more about the new pension rules and their impact on pension providers.

Table of Contents

1. Executive Summary

2. Introduction

  • 2.1. What is this Report About?
  • 2.2. Definitions
  • 2.3. Methodology

3. Market Analysis

  • 3.1. Market Size
    • 3.1.1. Individual personal pensions
    • 3.1.2. Workplace pensions
  • 3.2. Individuals Contributing to Personal Pension Schemes
  • 3.3. Active Members of Occupational Pension Schemes
    • 3.3.1. Active members of occupational pension schemes, by sector and benefit structure
    • 3.3.2. Active members of occupational pension schemes, by benefit structure and status
  • 3.4. Workplace Pension Scheme Membership

4. Market Drivers

5. Market Outlook

6. Distribution Channels

7. Competitive Landscape

  • 7.1. Review - The Best Performers of 2014

8. Regulation and Compliance

  • 8.1. Regulatory Framework
  • 8.2. Regulatory Changes
    • 8.2.1. New retirement options available from April 2015
    • 8.2.2. 55% pensions 'death tax' abolished
    • 8.2.3. Pensions tax relief cut for high earners
    • 8.2.4. Lifetime allowance to be reduced
    • 8.2.5. Secondary annuity market delayed until 2017
    • 8.2.6. New flat-rate (single-tier) state pension to be introduced from April 2016
    • 8.2.7. Contracting out to be abolished from April 2016
    • 8.2.8. Auto-enrolment and Nest
    • 8.2.9. Automatic small pot transfers confirmed for Autumn 2016
    • 8.2.10. Pension charges capped at 0.75% from April 2015
    • 8.2.11. Consultancy charges banned from April 2015

9. Economic Backdrop

  • 9.1. Real GDP Growth
  • 9.2. Demographics
    • 9.2.1. Aging population
    • 9.2.2. Old age dependency ratio
  • 9.3. Labor Market
  • 9.4. GDP per Capita and Household Disposable Income

10. Company Profiles

  • 10.1. Aegon UK Plc - Company Overview
    • 10.1.1. Aegon UK Plc - key facts
    • 10.1.2. Aegon UK Plc - main products
    • 10.1.3. Aegon UK Plc - main competitors
    • 10.1.4. Aegon UK Plc - key employees
  • 10.2. Aviva Plc - Company Overview
    • 10.2.1. Aviva Plc - key facts
    • 10.2.2. Aviva Plc - main products
    • 10.2.3. Aviva Plc - main competitors
    • 10.2.4. Aviva Plc - key employees
  • 10.3. Axa UK Plc - Company Overview
    • 10.3.1. Axa UK Plc - key facts
    • 10.3.2. Axa UK Plc - main products
    • 10.3.3. Axa UK Plc - main competitors
    • 10.3.4. Axa UK Plc - key employees
  • 10.4. FIL Life Insurance Ltd - Company Overview
    • 10.4.1. FIL Life Insurance Ltd - key facts
    • 10.4.2. FIL Life Insurance Ltd - main products
    • 10.4.3. FIL Life Insurance Ltd - main competitors
    • 10.4.4. FIL Life Insurance Ltd - key employees
  • 10.5. Legal & General Group Plc - Company Overview
    • 10.5.1. Legal & General Group Plc - key facts
    • 10.5.2. Legal & General Group Plc - main products
    • 10.5.3. Legal & General Group Plc - main competitors
    • 10.5.4. Legal & General Group Plc - key employees
  • 10.6. Lloyds Banking Group Plc - Company Overview
    • 10.6.1. Lloyds Banking Group Plc - key facts
    • 10.6.2. Lloyds Banking Group Plc - main products
    • 10.6.3. Lloyds Banking Group Plc - main competitors
    • 10.6.4. Lloyds Banking Group Plc - key employees
  • 10.7. Old Mutual Plc - Company Overview
    • 10.7.1. Old Mutual Plc - key facts
    • 10.7.2. Old Mutual Plc - main products
    • 10.7.3. Old Mutual Plc - main competitors
    • 10.7.4. Old Mutual Plc - key employees
  • 10.8. St James's Place UK Plc - Company Overview
    • 10.8.1. St James's Place UK Plc - key facts
    • 10.8.2. St James's Place UK Plc - main products
    • 10.8.3. St James's Place UK Plc - main competitors
    • 10.8.4. St James's Place UK Plc - key employees
  • 10.9. Standard Life Plc - Company Overview
    • 10.9.1. Standard Life Plc - key facts
    • 10.9.2. Standard Life Plc - main products
    • 10.9.3. Standard Life Plc - main competitors
    • 10.9.4. Standard Life Plc - key employees
  • 10.10. The Royal London Group - Company Overview
    • 10.10.1. The Royal London Group - key facts
    • 10.10.2. The Royal London Group - main products
    • 10.10.3. The Royal London Group - main competitors
    • 10.10.4. The Royal London Group - key employees

11. Statistics

  • 11.1. Review Period 2010-2014

12. Appendix

  • 12.1. Methodology
  • 12.2. Contact Timetric
  • 12.3. About Timetric
  • 12.4. Timetric's Services
  • 12.5. Disclaim

List of Tables

  • Table 1: Insurance Industry Definitions
  • Table 2: UK Active Members of Occupational Pension Schemes, by Sector and Benefit Structure (Millions), 2000-2013
  • Table 3: UK Pension Tax Relief Available for High Earners from April 2016
  • Table 4: UK Minimum Contribution Rates Under Auto-Enrolment (% of Qualifying Earnings)
  • Table 5: Aegon UK Plc - Key Facts
  • Table 6: Aegon UK Plc - Main Products
  • Table 7: Aegon UK Plc - Key Employees
  • Table 8: Aviva Plc - Key Facts
  • Table 9: Aviva Plc - Main Products
  • Table 10: Aviva Plc - Key Employees
  • Table 11: Axa UK Plc - Key Facts
  • Table 12: Axa UK Plc - Main Products
  • Table 13: Axa UK Plc - Key Employees
  • Table 14: FIL Life Insurance Ltd - Key Facts
  • Table 15: FIL Life Insurance Ltd - Main Products
  • Table 16: FIL Life Insurance Ltd - Key Employees
  • Table 17: Legal & General Group Plc - Key Facts
  • Table 18: Legal & General Group Plc - Main Products
  • Table 19: Legal & General Group Plc - Key Employees
  • Table 20: Lloyds Banking Group Plc - Key Facts
  • Table 21: Lloyds Banking Group Plc - Main Products
  • Table 22: Lloyds Banking Group Plc - Key Employees
  • Table 23: Old Mutual Plc - Key Facts
  • Table 24: Old Mutual Plc - Main Products
  • Table 25: Old Mutual Plc - Key Employees
  • Table 26: St James's Place UK Plc - Key Facts
  • Table 27: St James's Place UK Plc - Main Products
  • Table 28: St James's Place UK Plc - Key Employees
  • Table 29: Standard Life Plc - Key Facts
  • Table 30: Standard Life Plc - Main Products
  • Table 31: Standard Life Plc - Key Employees
  • Table 32: The Royal London Group - Key Facts
  • Table 33: The Royal London Group - Main Products
  • Table 34: The Royal London Group - Key Employees
  • Table 35: UK Pensions (Excluding Defined Benefit and Group Managed Fund Business) - New Business Premiums (GBP Thousand), 2010-2014

List of Figures

  • Figure 1: UK Pensions (Excluding Defined Benefit and Group Managed Fund Business) - New Business Premiums (GBP Billion), 2010-2014
  • Figure 2: UK Individual Personal Pensions (IPPs) - New Business Premiums (GBP Billion), 2010-2014
  • Figure 3: UK Workplace Pensions - New Business Premiums (GBP Billion), 2010-2014
  • Figure 4: UK Number of Individuals Contributing and Average Contributions to Personal Pensions (GBP), 2001/2002-2012/2013
  • Figure 5: UK Active Members of Occupational Pension Schemes (Millions), 1983-2013
  • Figure 6: UK Active Members of Private Sector Occupational Pension Schemes (Millions), 1983-2013
  • Figure 7: UK Employee Membership of a Workplace Pension, by Pension Type (%), 1997-2014
  • Figure 8: UK Pension Product Sales by Type of Selling Firm (Thousands), April 2013 to March 2014
  • Figure 9: UK Pensions (Excluding Defined Benefit and Group Managed Fund Business) - Top 10 Providers by New Business Premium, 2014
  • Figure 10: UK Insurance Regulatory Framework
  • Figure 11: UK Real GDP (Billion) and Quarter-on-Quarter Growth (%), Quarter 1 2007- Quarter 2 2015
  • Figure 12: UK Growing and Aging Population (Years), 1995-2014
  • Figure 13: UK Population Aged Over 65 Years (%), 2007-2019
  • Figure 14: UK Overall Life Expectancy (Years), 2007-2019
  • Figure 15: UK Old Age Dependency Ratio (Ratios per 1,000 People of Working Age), 1971-2051
  • Figure 16: UK Employment and Unemployment Rates (%), Q1 2006-Q2 2015
  • Figure 17: UK Average Earnings and CPI Annual Growth Rates (%), Q1 2006-Q2 2015
  • Figure 18: UK Improving Living Standards (GBP), 1997-2013
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