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英國的人壽保險市場:主要趨勢與市場機會

Life Insurance in the UK, Key Trends and Opportunities to 2020

出版商 Timetric 商品編碼 308597
出版日期 內容資訊 英文 153 Pages
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英國的人壽保險市場:主要趨勢與市場機會 Life Insurance in the UK, Key Trends and Opportunities to 2020
出版日期: 2017年05月31日 內容資訊: 英文 153 Pages
簡介

分析期間中(2009∼2013年)的英國人壽保險市場的年複合成長率(CAGR)停留在0.4%。成長率低迷的主要原因為,隨著全球金融危機和歐洲債務危機,2008∼2011年市場成為負成長。但,由於政府的各種活動和法規改革,2011∼2013年的年複合成長率上升到4.0%。觀察各市場區隔趨勢,團體人壽保險正成長,由於消費者的投資考量低迷,及政府的法規強化,養老金支付額的變動等,使個人壽險市場低迷。

本報告提供英國人壽保險產業的最新趨勢與未來展望相關分析、各部門的市場規模(過去、今後5年份)、各銷售管道的市場規模、產業的競爭力、再保險市場、主要企業概要(主要資料、主要商品、競爭企業、經營團隊等)等資訊彙整,為您概述為以下內容。

第1章 摘要整理

第2章 簡介

  • 本報告概要
  • 定義
  • 分析方法

第3章 域內市場動向

  • 概要
  • 市場趨勢
  • 市場規模

第4章 人壽保險市場:域內各國的比較

  • 市場規模與普及率
    • 總保費收入總額
    • 每人保險費
    • 人壽保險的普及率(佔GDP比率)
  • 成長率
    • 總保費收入
    • 每人總保費收入
  • 效率性和風險
    • 賠付率
    • 綜合率
    • 每人已發生損失
    • 已發生損失佔GDP比率
  • 流通管道
    • 直銷
    • 銀行保險
    • 代理店銷售

第5章 英國的保險產業吸引力

  • 保險產業的市場規模(總計10年份)
  • 產業的主要趨勢與推動因素
  • 課題
  • 近幾年的市場動向

第6章 人壽保險產業預測

  • 商品、行銷策略
  • 各分類的成長預測
  • 個人壽險
    • 個人終身保險
    • 一般個人年金保險
    • 個人退休年金保險
  • 團體人壽保險
    • 團體終身保險
    • 團體老年退休金保險
  • 客戶各分類的成長預測
    • 個人一次付款終身壽險
    • 個人用商品(一次付款終身壽險除外)
    • 團體一次性付款終身保險
    • 團體商品(一次付款終身壽險除外)
  • 保險各商品的成長預測
    • 鏈接型(變動型)保險
    • 非鏈接型(非變動型)保險

第7章 各銷售管道分析

  • 直銷
  • 銀行保險
  • 代理店
  • 電子商務
  • 仲介

第8章 波特的五力分析:英國的人壽保險產業

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

第9章 再保險市場成長動態與課題

  • 再保險市場規模
  • 再保險市場規模:各保險種類

第10章 治理、風險、合規性

  • 相關法規的概要與到現在為止的變化
  • 相關法規和市場慣例:各保險種類
  • 強制保險
  • 監督、管理體制
  • 未認證保險的法規趨勢
  • 企業的登記和經營
  • 課稅
  • 法制度

第11章 競爭環境與策略性考察

  • 概要
  • 英國的人壽保險產業的主要企業
  • 5大保險業者比較分析:總保費收入
  • Standard Life Plc
  • Aviva Life Plc
  • Prudential Plc
  • Lloyds Banking Group Plc
  • Legal & General Group Plc
  • Friends Life Group Plc
  • Aegon NV
  • Zurich Insurance Co. (UK) Ltd
  • Old Mutual Plc
  • Royal London Mutual Insurance Society Ltd

第12章 經濟環境與國家風險

  • 景氣
  • 經濟實際成果
  • 基礎設施
  • 人力資源
  • 人口組成

第13章 附錄

圖表一覽

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目錄
Product Code: IS1479MR

Timetric's 'Life Insurance in the UK, Key Trends and Opportunities to 2020' report provides a detailed outlook by product category for the UK life insurance segment, and a comparison of the UK insurance industry with its regional counterparts.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, total assets, total investment income and retentions during the review period (2011-2015) and forecast period (2015-2020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the UK economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric's research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary

Timetric's 'Life Insurance in the UK, Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the UK life insurance segment, including:

  • An overview of the UK life insurance segment
  • The UK life insurance segment's growth prospects by category
  • A comprehensive overview of the UK economy and demographics
  • A comparison of the UK life insurance segment with its regional counterparts
  • The various distribution channels in the UK life insurance segment
  • Details of the competitive landscape in the life insurance segment in the UK
  • Details of regulatory policy applicable to the UK insurance industry

Scope

This report provides a comprehensive analysis of the life insurance segment in the UK:

  • It provides historical values for the UK life insurance segment for the report's 2011-2015 review period, and projected figures for the 2015-2020 forecast period.
  • It offers a detailed analysis of the key categories in the UK life insurance segment, and market forecasts to 2020.
  • It provides a comparison of the UK life insurance segment with its regional counterparts
  • It analyzes the various distribution channels for life insurance products in the UK.
  • It profiles the top life insurance companies in the UK and outlines the key regulations affecting them.

Reasons To Buy

  • Make strategic business decisions using in-depth historic and forecast market data related to the UK life insurance segment, and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the UK life insurance segment.
  • Assess the competitive dynamics in the life insurance segment.
  • Identify growth opportunities and market dynamics in key product categories.
  • Gain insights into key regulations governing the UK insurance industry, and their impact on companies and the industry's future.

Table of Contents

1 Key Facts and Highlights

2 Executive Summary

3 Economy and Demographics

4 Segment Outlook

  • 4.1 Segment Indicators
    • 4.1.1 Gross written premium and penetration
    • 4.1.2 Claims
    • 4.1.3 Investments

5 Outlook by Sub-Segment

  • 5.1 Individual Life Insurance
    • 5.1.1 Premium
    • 5.1.2 Penetration
  • 5.2 Group Life Insurance
    • 5.2.1 Premium
    • 5.2.2 Penetration

6 Distribution Channel Outlook

7 Competitive Landscape

  • 7.1 Company Profiles
    • 7.1.1 Aviva Plc - company overview
    • 7.1.2 Standard Life Plc - company overview
    • 7.1.3 Prudential Plc - company overview
    • 7.1.4 FIL Life Insurance Ltd - company overview
    • 7.1.5 Legal & General Group Plc - company overview

8 Governance, Risk and Compliance

  • 8.1 Legislation Overview and Historical Evolution
  • 8.2 Latest Changes in Regulation
  • 8.3 Legislation and Market Practice by Type of Insurance
    • 8.3.1 Life insurance
    • 8.3.2 Property insurance
    • 8.3.3 Motor insurance
    • 8.3.4 Liability insurance
    • 8.3.5 Marine, aviation and transit insurance
    • 8.3.6 Personal accident and health insurance
  • 8.4 Compulsory Insurance
    • 8.4.1 Employer's liability insurance
    • 8.4.2 Motor third-party liability insurance
    • 8.4.3 Merchant shipping compulsory insurance
    • 8.4.4 National Insurance Scheme
    • 8.4.5 Professional indemnity insurance
    • 8.4.6 Air carriers and aircraft operators insurance
    • 8.4.7 Clinical trials liability insurance
    • 8.4.8 Liability for ships with respect to oil pollution
  • 8.5 Supervision and Control
    • 8.5.1 International Association of Insurance Supervisors
    • 8.5.2 European Insurance and Occupational Pensions Authority
    • 8.5.3 Prudential Regulation Authority
    • 8.5.4 Financial Conduct Authority
  • 8.6 Non-Admitted Insurance Regulations
    • 8.6.1 Overview
    • 8.6.2 Intermediaries
    • 8.6.3 Market practices
    • 8.6.4 Fines and Penalties
  • 8.7 Company Registration and Operations
    • 8.7.1 Type of insurance organization
    • 8.7.2 Establishing a local company
    • 8.7.3 Foreign ownership
    • 8.7.4 Types of license
    • 8.7.5 Capital requirements
    • 8.7.6 Solvency margin
    • 8.7.7 Reserve requirements
    • 8.7.8 Investment regulations
    • 8.7.9 Statutory return requirements
    • 8.7.10 Fee structure
  • 8.8 Taxation
    • 8.8.1 Insurance premium or policy taxation
    • 8.8.2 Withholding taxes on premium paid overseas
    • 8.8.3 Corporate tax
    • 8.8.4 VAT
    • 8.8.5 Captives
  • 8.9 Legal System
    • 8.9.1 Introduction
    • 8.9.2 Access to court
    • 8.9.3 Alternative dispute resolution

9 Databook

  • 9.1 Policies and Premium
  • 9.2 Claims and Expenses
  • 9.3 Assets and Investments
  • 9.4 Individual Life Insurance
  • 9.5 Individual Life Insurance by Product
  • 9.6 Group Life Insurance
  • 9.7 Group Life Insurance by Product
  • 9.8 Individual Life - Single vs. Non-Single Premium
  • 9.9 Group Life - Single vs. Non-Single Premium

10 Definitions and Methodology

  • 10.1 Definitions
  • 10.2 Methodology

11 About Timetric

  • 11.1 Contact Timetric
  • 11.2 About Timetric
  • 11.3 Timetric's Services
  • 11.4 Disclaimer

List of Tables

  • Table 1: UK Life Insurance - Key Facts, 2015
  • Table 2: UK Life Insurance - Top Five Life Insurers, 2015
  • Table 3: UK Government Credit Ratings
  • Table 4: UK Life Insurance - Gross Written Premium (GBP Billion and US$ Billion), 2011-2015
  • Table 5: UK Life Insurance - Penetration (%), 2011-2015
  • Table 6: UK Life Insurance - Gross Written Premium (GBP Billion and US$ Billion), 2015-2020
  • Table 7: UK Life Insurance - Penetration (%), 2015-2020
  • Table 8: UK Life Insurance - New Business Direct Written Premium (GBP Billion and US$ Billion), 2011-2015
  • Table 9: UK Life Insurance - New Business Direct Written Premium (GBP Billion and US$ Billion), 2015-2020
  • Table 10: UK Life Insurance - Premium per Capita (GBP and US$), 2011-2015
  • Table 11: UK Life Insurance - Premium per Capita (GBP and US$), 2015-2020
  • Table 12: UK Life Insurance - Paid Claims (GBP Billion and US$ Billion), 2011-2015
  • Table 13: UK Life Insurance - Paid Claims (GBP Billion and US$ Billion), 2015-2020
  • Table 14: UK Life Insurance - Total Investment Income (GBP Billion and US$ Billion), 2011-2015
  • Table 15: UK Life Insurance - Total Investment Income (GBP Billion and US$ Billion), 2015-2020
  • Table 16: UK Life Insurance - Investment Portfolio (GBP Billion), 2011-2015
  • Table 17: UK Life Insurance - Investment Portfolio (GBP Billion), 2015-2020
  • Table 18: UK Life Insurance - Gross Written Premium by Sub-Segment (GBP Billion),2011-2015
  • Table 19: UK Life Insurance - Gross Written Premium by Sub-Segment (GBP Billion), 2015-2020
  • Table 20: UK Individual Life Insurance - Gross Written Premium by Category (GBP Billion), 2011-2015
  • Table 21: UK Individual Life Insurance - Gross Written Premium by Category (GBP Billion), 2015-2020
  • Table 22: UK Group Life Insurance - Gross Written Premium by Category (GBP Billion), 2011-2015
  • Table 23: UK Group Life Insurance - Gross Written Premium by Category (GBP Billion), 2015-2020
  • Table 24: UK Life Segment - Product and Market Share (%) of Top Insurers , 2015
  • Table 25: UK Life Segment - Top Insurers , 2015
  • Table 26: Aviva Plc - Key Facts
  • Table 27: Standard Life Plc - Key Facts
  • Table 28: Prudential Plc - Key Facts
  • Table 29: FIL Life Insurance Ltd - Key Facts
  • Table 30: Legal & General Group Plc - Key Facts
  • Table 31: UK - Insurance Regulatory Framework Key Features
  • Table 32: UK - Life Insurance Regulatory Framework
  • Table 33: UK - Property Insurance Regulatory Framework
  • Table 34: UK- Motor Insurance Regulatory Framework
  • Table 35: UK - Liability Insurance Regulatory Framework
  • Table 36: UK - Benefits Under National Insurance Scheme
  • Table 37: UK - Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
  • Table 38: UK - Corporate Tax Rates for the Financial Year 2017
  • Table 39: UK- VAT Rates in UK for Insurance Products
  • Table 40: UK Life Insurance - Policies and Premium, 2011-2015
  • Table 41: UK Life Insurance - Policies and Premium, 2015-2020
  • Table 42: UK Life Insurance - Claims and Expenses, 2011-2015
  • Table 43: UK Life Insurance - Claims and Expenses, 2015-2020
  • Table 44: UK Life Insurance - Assets and Investments, 2011-2015
  • Table 45: UK Life Insurance - Assets and Investments, 2015-2020
  • Table 46: UK Life Insurance - Individual Life Insurance, 2011-2015
  • Table 47: UK Life Insurance - Individual Life Insurance, 2015-2020
  • Table 48: UK Life Insurance - Individual Life Insurance by Product, 2011-2015
  • Table 49: UK Life Insurance - Individual Life Insurance by Product, 2015-2020
  • Table 50: UK Life Insurance - Group Life Insurance, 2011-2015
  • Table 51: UK Life Insurance - Group Life Insurance, 2015-2020
  • Table 52: UK Life Insurance - Group Life Insurance by Product, 2011-2015
  • Table 53: UK Life Insurance - Group Life Insurance by Product, 2015-2020
  • Table 54: UK Life Insurance - Individual Life Insurance by Premium, 2011-2015
  • Table 55: UK Life Insurance - Individual Life Insurance by Premium, 2015-2020
  • Table 56: UK Life Insurance - Group Life Insurance by Premium, 2011-2015
  • Table 57: UK Life Insurance - Group Life Insurance by Premium, 2015-2020
  • Table 58: Insurance Industry Definitions

List of Figures

  • Figure 1: UK Real GDP (GBP Trillion), 2011-2020
  • Figure 2: UK Consumer Price Inflation (%), 2011-2020
  • Figure 3: UK Current Account Balance as Percentage of GDP (%), 2011-2015
  • Figure 4: UK Unemployment Rate, 2011-2020
  • Figure 5: UK Population by Age Group, 2011-2025
  • Figure 6: UK Life Insurance - Gross Written Premium (GBP Billion), 2011-2020
  • Figure 7: UK Life Insurance - Penetration (%), 2011-2020
  • Figure 8: UK Life Insurance - New Business Direct Written Premium (GBP Billion), 2011-2020
  • Figure 9: UK Life Insurance - Premium per Capita (GBP), 2011-2020
  • Figure 10: UK Life Insurance - Paid Claims (GBP Billion), 2011-2020
  • Figure 11: UK Life Insurance - Total Investment Income (GBP Billion), 2011-2020
  • Figure 12: UK Life Insurance - Investment Portfolio (GBP Billion), 2011-2020
  • Figure 13: UK Life Insurance - Investment Portfolio Dynamics by Category, 2011-2020
  • Figure 14: UK Life Insurance - Gross Written Premium by Sub-Segment (GBP Billion), 2011-2020
  • Figure 15: UK Life Insurance - Gross Written Premium Share by Sub-Segment, 2011-2020
  • Figure 16: UK Life Insurance - Gross Written Premium Dynamics by Sub-Segment, 2011-2020
  • Figure 17: UK Individual Life Insurance - Gross Written Premium by Category (GBP Billion), 2011-2020
  • Figure 18: UK Individual Life Insurance - Gross Written Premium Share by Category, 2011-2020
  • Figure 19: UK Individual Life Insurance - Gross Written Premium Dynamics by Category, 2011-2020
  • Figure 20: UK Individual Life Insurance - Penetration (%), 2011-2015
  • Figure 21: UK Individual Life Insurance - Penetration (%), 2015-2020
  • Figure 22: UK Group Life Insurance - Gross Written Premium by Category (GBP Billion), 2011-2020
  • Figure 23: UK Group Life Insurance - Gross Written Premium Share by Category (GBP Billion), 2011-2020
  • Figure 24: UK Group Life Insurance - Gross Written Premium Dynamics by Category (GBP Billion), 2011-2020
  • Figure 25: UK Group Life Insurance - Penetration (%), 2011-2015
  • Figure 26: UK Group Life Insurance - Penetration (%), 2015-2020
  • Figure 27: UK - The Three Pillars of Solvency II
  • Figure 28: UK - Insurance Supervision and Control at Various Levels
  • Figure 29: UK - Insurance Regulatory Frameworks for Company Registration and Operation
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