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富裕階級 (NHWI) 用保險市場:生命、產物保險

Insuring HNWIs: Life and Non-Life Insurance

出版商 GlobalData 商品編碼 359821
出版日期 內容資訊 英文 40 Pages
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富裕階級 (NHWI) 用保險市場:生命、產物保險 Insuring HNWIs: Life and Non-Life Insurance
出版日期: 2016年05月31日 內容資訊: 英文 40 Pages

富裕階級 (HNWI) 為了保障家族而加入人壽保險,還為了節稅和投資計劃、資產保護也活用保險。還有為資產市場和全球經濟的變動做準備也活用保險同時也有商品複雜性的關係,也出現「保險費太高」、「保證內容太少」的不滿。今後,「Insurancetech」 (保險和IT的融合)和市場競爭的活躍,預期將使富裕階級保險市場更為成長。

本報告提供全球富裕階級 (NHWI) 用保險的市場相關分析,各領域 (人壽保險/產物保險)的市場結構、趨勢,及市場面臨的機會與課題,今後的市場趨勢預測的資訊彙整為您概述為以下內容。


第1章 簡介

  • 本報告概要
  • 定義和範圍

第2章 富裕階級 (NHWI) 用保險市場:概要

第3章 富裕階級的人壽保險

  • 主要的商品
  • 富裕階級的資產管理上人壽保險所扮演的角色

第4章 富裕階級的產物保險

  • 主要的商品
  • 富裕階級的資產管理中產物保險所扮演的角色

第5章 生命、產物保險市場上,主要趨勢、機會、課題

  • 人壽保險:趨勢和機會
  • 產物保險:趨勢和機會
  • 富裕階級的保險市場主要課題

第6章 富裕階級的保險業的未來展望

第7章 關於 WealthInsight


Product Code: WI0023FR


Demand for insurance among HNWIs commonly covers life insurance to protect dependents. Strategically, however, life insurance can be used as a tool to facilitate tax and estate planning. As the number of HNWIs grows, the desire to protect their assets and luxury investments such as luxury cars, yachts, jets, arts and wine collections also increases.

Parallel to this, instability in equity markets and fluctuating global economic growth make alternative assets such as collectibles more attractive; these items require insurance to cover their value

HNWIs often find themselves overpaying and underprotected. This is unsurprising given that broad product variety often makes insurance a complex product.


The report is divided into five chapters, which cover the following areas:

  • Understanding HNWI Insurance
  • Life Insurance for HNWIs
  • Non-Life Insurance for HNWIs
  • Key Trends, Opportunities and Challenges for Life and Non-Life Insurance
  • The Outlook for HNWI Insurance Industry

Reasons To Buy

  • Understand insurance for HNWIs and the role of life and non-life insurance in managing HNWI wealth.
  • Be informed about key products in the HNW life and non-life insurance markets.
  • Be aware of key trends, opportunities and challenges facing HNW life and non-life insurance markets.
  • Be informed about future outlook of HNW insurance market globally.
  • Build robust expansion strategy and marketing strategy to target HNW insurance more effectively.

Key Highlights

  • Data compiled in association with Timetric shows that the global life insurance market in 2015 was estimated at US$2.8 trillion, while the non-life insurance market was estimated at US$1.6 trillion.
  • HNWIs globally are underinsured and underserved
  • Universal life a key offering for HNWIs
  • Insurancetech and competition expected to drive growth in HNW insurance

Table of Contents

Executive Summary

1. Introduction

  • 1.1. What is this Report About?
  • 1.2. Definitions and Scope

2. Understanding HNWI Insurance

3. Life Insurance for HNWIs

  • 3.1. Key Product Offerings
  • 3.2. The Role of Life Insurance in Managing HNWI Wealth

4. Non-Life Insurance for HNWIs

  • 4.1. Key Product Offerings
  • 4.2. The Role of Non-Life Insurance in Managing HNWI Wealth

5. Key Trends, Opportunities and Challenges in the Life and Non-Life Insurance Markets

  • 5.1. Life Insurance: Trends and Opportunities
  • 5.2. Non-Life Insurance: Trends and Opportunities
  • 5.3. Key Challenges in HNWI Insurance

6. The Outlook for the HNWI Insurance Industry

7. About WealthInsight

List of Tables

  • Table 1: HNWI Wealth Band and Group Definitions
  • Table 2: Global HNWI Populations, 2011-2020
  • Table 3: Types of Life Insurance Product
  • Table 4: Market Shares of Key Life Insurance Products in the US, 2005 and 2013
  • Table 5: Difference Between MEC and Non-MEC
  • Table 6: IUL Sales (Premium) in the US, 2010-2015
  • Table 7: Key Roles of Life Insurance in HNWI Wealth Management in the US
  • Table 8: Types of Non-Life Insurance Product
  • Table 9: Types of Niche Insurance Product
  • Table 10: Key Attributes of HNWIs on Retirement Planning With and Without Advisor Plans
  • Table 11: Innovations in HNWI Insurance

List of Figures

  • Figure 1: Addressing Life and Non-Life insurance Needs Of HNWIs
  • Figure 2: Evolution of HNWI Insurance Process
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