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Published: Mar, 2016 | Pages:
188 | Publisher: Timetric
Industry: Insurance | Report Format: Electronic (PDF)
Synopsis
Timetric's 'Life Insurance in France, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers and challenges in the French life insurance segment. 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 (2010-2014) and forecast period (2014-2019). The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of French 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 France, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the French life insurance segment, including: French life insurance segment's growth prospects by life insurance category Key trends, drivers and challenges for the life insurance segment A comprehensive overview of French economy and demographics The various distribution channels in the French life insurance segment Details of the competitive landscape in the life insurance segment in France Details of regulatory policy applicable to the French insurance industry
Scope
This report provides a comprehensive analysis of the life insurance segment in France: It provides historical values for the French life insurance segment for the report's 2010-2014 review period, and projected figures for the 2014-2019 forecast period. It offers a detailed analysis of the key categories in the French life insurance segment, and market forecasts to 2019. It analyzes the various distribution channels for life insurance products in France. It profiles the top life insurance companies in France 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 French life insurance segment, and each category within it. Understand the demand-side dynamics, key market trends and growth opportunities in the French 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 French insurance industry, and their impact on companies and the industry's future.
Key Highlights
France has a highly developed and mature life insurance segment; in terms of gross written premium it is the second-largest in Europe in 2013, after the UK. The segment accounted for 64.0% of the French insurance gross written premium in 2014. The French life segment is concentrated, with the 10 leading insurers accounting for 80.5% of the segment's direct written premium in 2014. Bancassurance accounted for 64.0% of the total direct written premium from new business generated in 2014, and is expected to remain the leading distribution channel over the forecast period. To stay afloat and maintain solvency, French life insurers are constantly evaluating strategies through consolidation and strategic collaboration with intermediaries.
Table of Contents
1 Key Facts and Highlights 2 Executive Summary 3 Introduction 3.1 What is this Report About? 3.2 Definitions 3.3 Methodology 4 Economy and Demographics 5 Life Insurance Outlook 5.1 Key Drivers 5.2 Key Trends 5.3 Challenges 5.4 Life Insurance Growth Prospects by Category 5.5 Individual Life Insurance 5.5.1 Individual whole life insurance 5.5.2 Other individual life insurance 5.6 Group Life Insurance 5.6.1 Group whole life insurance 5.6.2 Group superannuation insurance 5.7 Life Insurance Growth Prospects by Product Type 5.7.1 Total linked insurance business 5.7.2 Total non-linked insurance business 6 Analysis by Distribution Channel 6.1 Direct Marketing 6.2 Bancassurance 6.3 Agencies 6.4 Brokers 6.5 Other Channels 7 Competitive Landscape and Strategic Insights 7.1 Overview 7.2 Leading Companies in the French Life Insurance Segment 7.2.1 CNP Assurances SA - company overview 7.2.2 Credit Agricole Assurance - company overview 7.2.3 Credit Mutuel - company overview 7.2.4 Axa�France Assurance SAS - company overview 7.2.5 BNP�Paribas�Cardif SA - company overview 7.2.6 Generali�France SA - company overview 7.2.7 Societe Generale Insurance SA - company overview 7.2.8 Allianz France SA - company overview 7.2.9 AG2R La Mondiale - company overview 8 Governance, Risk and Compliance 8.1 Legislation Overview and Historical Evolution 8.2 Latest Changes in Regulations 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 Motor third-party liability (MTPL) insurance 8.4.2 Workers' compensation 8.4.3 Air carriers and aircraft operators insurance 8.4.4 Professional indemnity insurance for alternative investment fund managers 8.5 Supervision and Control 8.5.1 International Association of Insurance Supervisors (IAIS) 8.5.2 European Insurance and Occupational Pensions Authority 8.5.3 Autorite de Controle Prudentiel 8.5.4 Autorite des Marches Financiers (AMF) 8.5.5 Federation of European Risk Management Associations (FERMA) 8.6 Non-Admitted Insurance 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 Types 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 margins 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 (ADR) 9 Appendix 9.1 Contact Timetric 9.2 About Timetric 9.3 Timetric's Services 9.4 Disclaimer
List of Tables
Table 1: French Life Insurance - Key Facts, 2014 Table 2: Insurance Industry Definitions Table 3: French Government Credit Ratings Table 4: French Life Insurance - New Business Direct Written Premium (EUR Billion), 2010-2014 Table 5: French Life Insurance - New Business Direct Written Premium (EUR Billion), 2014-2019 Table 6: French Life Insurance - Net Earned Premium (EUR Billion), 2010-2014 Table 7: French Life Insurance - Net Earned Premium (EUR Billion), 2014-2019 Table 8: French Life Insurance - Paid Claims (EUR Billion), 2010-2014 Table 9: French Life Insurance - Paid Claims (EUR Billion), 2014-2019 Table 10: French Life Insurance - Incurred Loss (EUR Billion), 2010-2014 Table 11: French Life Insurance - Incurred Loss (EUR Billion), 2014-2019 Table 12: French Life Insurance - Number of Policies per Capita, 2010-2014 Table 13: French Life Insurance - Number of Policies per Capita, 2014-2019 Table 14: French Life Insurance - Commissions and Expenses (EUR Billion), 2010-2014 Table 15: French Life Insurance - Commissions and Expenses (EUR Billion), 2014-2019 Table 16: French Life Insurance - Net Written Premium (% of GWP), 2010-2014 Table 17: French Life Insurance - Net Written Premium (% of GWP), 2014-2019 Table 18: French Life Insurance - Renewal Business Direct Written Premium (EUR Billion), 2010-2014 Table 19: French Life Insurance - Renewal Business Direct Written Premium (EUR Billion), 2014-2019 Table 20: French Life Insurance - Total Assets (EUR Billion), 2010-2014 Table 21: French Life Insurance - Total Assets (EUR Trillion), 2014-2019 Table 22: French Life Insurance - Total Investment Income (EUR Billion), 2010-2014 Table 23: French Life Insurance - Total Investment Income (EUR Billion), 2014-2019 Table 24: French Life Insurance - Net Written Premium (EUR Billion), 2010-2014 Table 25: French Life Insurance - Net Written Premium (EUR Billion), 2014-2019 Table 26: French Individual Life Insurance - Direct Written Premium by Category (EUR Billion), 2010-2014 Table 27: French Individual Life Insurance - Direct Written Premium by Category (US$ Billion), 2010-2014 Table 28: French Individual Life Insurance - Direct Written Premium by Category (EUR Billion), 2014-2019 Table 29: French Individual Life Insurance - Direct Written Premium by Category (US$ Billion), 2014-2019 Table 30: French Individual Life Insurance - Policies by Category (Thousand), 2010-2014 Table 31: French Individual Life Insurance - Policies by Category (Million), 2014-2019 Table 32: French Individual Whole Life Insurance - Number of Active Policies (Million), 2010-2014 Table 33: French Individual Whole Life Insurance - Number of Active Policies (Million), 2014-2019 Table 34: French Individual Whole Life Insurance - Direct Written Premium (EUR Billion), 2010-2014 Table 35: French Individual Whole Life Insurance - Direct Written Premium (EUR Billion), 2014-2019 Table 36: French Other Individual Life Insurance - Number of Active Policies (Million), 2010-2014 Table 37: French Other Individual Life Insurance - Number of Active Policies (Million), 2014-2019 Table 38: French Other Individual Life Insurance - Direct Written Premium (EUR Billion), 2010-2014 Table 39: French Other Individual Life Insurance - Direct Written Premium (EUR Billion), 2014-2019 Table 40: French Group Life Insurance - Direct Written Premium by Category (EUR Billion), 2010-2014 Table 41: French Group Life Insurance - Direct Written Premium by Category (US$ Billion), 2010-2014 Table 42: French Group Life Insurance - Direct Written Premium by Category (EUR Billion), 2014-2019 Table 43: French Group Life Insurance - Direct Written Premium by Category (US$ Billion), 2014-2019 Table 44: French Group Life Insurance - Policies by Category (Thousand), 2010-2014 Table 45: French Group Life Insurance - Policies by Category (Million), 2014-2019 Table 46: French Group Whole Life Insurance - Number of Active Policies (Million), 2010-2014 Table 47: French Group Whole Life Insurance - Number of Active Policies (Million), 2014-2019 Table 48: French Group Whole Life Insurance - Direct Written Premium (EUR Billion), 2010-2014 Table 49: French Group Whole Life Insurance - Direct Written Premium (EUR Billion), 2014-2019 Table 50: French Group Superannuation Insurance - Number of Active Policies (Million), 2010-2014 Table 51: French Group Superannuation Insurance - Number of Active Policies (Million), 2014-2019 Table 52: French Group Superannuation Insurance - Direct Written Premium (EUR Billion), 2010-2014 Table 53: French Group Superannuation Insurance - Direct Written Premium (EUR Billion), 2014-2019 Table 54: French Linked Insurance Business - Number of Active Policies (Million), 2010-2014 Table 55: French Linked Insurance Business - Number of Active Policies (Million), 2014-2019 Table 56: French Linked Insurance Business - Direct Written Premium (EUR Billion), 2010-2014 Table 57: French Linked Insurance Business - Direct Written Premium (EUR Billion), 2014-2019 Table 58: French Non-Linked Insurance Business - Number of Active Policies (Million), 2010-2014 Table 59: French Non-Linked Insurance Business - Number of Active Policies (Million), 2014-2019 Table 60: French Non-Linked Insurance Business - Direct Written Premium (EUR Billion), 2010-2014 Table 61: French Non-Linked Insurance Business - Direct Written Premium (EUR Billion), 2014-2019 Table 62: French Life Insurance - Direct Marketing Value of Commissions (EUR Billion), 2010-2014 Table 63: French Life Insurance - Direct Marketing Value of Commissions (EUR Billion), 2014-2019 Table 64: French Life Insurance - Direct Marketing New Business Direct Written Premium (EUR Billion), 2010-2014 Table 65: French Life Insurance - Direct Marketing New Business Direct Written Premium (EUR Billion), 2014-2019 Table 66: French Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2010-2014 Table 67: French Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2014-2019 Table 68: French Life Insurance - Sales Force, 2010-2014 Table 69: French Life Insurance - Sales Force, 2014-2019 Table 70: French Life Insurance - Bancassurance Value of Commissions (EUR Billion), 2010-2014 Table 71: French Life Insurance - Bancassurance Value of Commissions (EUR Billion), 2014-2019 Table 72: French Life Insurance - Bancassurance New Business Direct Written Premium (EUR Billion), 2010-2014 Table 73: French Life Insurance - Bancassurance New Business Direct Written Premium (EUR Billion), 2014-2019 Table 74: French Life Insurance - New Policies Sold Through Bancassurance (Million), 2010-2014 Table 75: French Life Insurance - New Policies Sold Through Bancassurance (Million), 2014-2019 Table 76: French Life Insurance - Number of Banking Entities, 2010-2014 Table 77: French Life Insurance - Number of Banking Entities, 2014-2019 Table 78: French Life Insurance - Agencies' Value of Commissions (EUR Million), 2010-2014 Table 79: French Life Insurance - Agencies' Value of Commissions (EUR Million), 2014-2019 Table 80: French Life Insurance - Agencies' New Business Direct Written Premium (EUR Billion), 2010-2014 Table 81: French Life Insurance - Agencies' New Business Direct Written Premium (EUR Billion), 2014-2019 Table 82: French Life Insurance - New Policies Sold Through Agencies (Thousand), 2010-2014 Table 83: French Life Insurance - New Policies Sold Through Agencies (Thousand), 2014-2019 Table 84: French Life Insurance - Number of Insurance Agents, 2010-2014 Table 85: French Life Insurance - Number of Insurance Agents, 2014-2019 Table 86: French Life Insurance - Brokers' Value of Commissions (EUR Million), 2010-2014 Table 87: French Life Insurance - Brokers' Value of Commissions (EUR Million), 2014-2019 Table 88: French Life Insurance - Brokers' New Business Direct Written Premium (EUR Billion), 2010-2014 Table 89: French Life Insurance - Brokers' New Business Direct Written Premium (EUR Billion), 2014-2019 Table 90: French Life Insurance - New Policies Sold Through Brokers (Thousand), 2010-2014 Table 91: French Life Insurance - New Policies Sold Through Brokers (Thousand), 2014-2019 Table 92: French Life Insurance - Number of Insurance Brokers, 2010-2014 Table 93: French Life Insurance - Number of Insurance Brokers, 2014-2019 Table 94: French Life Insurance - Other Channels' Value of Commissions (EUR Million), 2010-2014 Table 95: French Life Insurance - Other Channels' Value of Commissions (EUR Million), 2014-2019 Table 96: French Life Insurance - Other Channels' New Business Direct Written Premium (EUR Billion), 2010-2014 Table 97: French Life Insurance - Other Channels' New Business Direct Written Premium (EUR Billion), 2014-2019 Table 98: French Life Insurance - New Policies Sold Through Other Channels (Thousand), 2010-2014 Table 99: French Life Insurance - New Policies Sold Through Other Channels (Thousand), 2014-2019 Table 100: French Life Insurance - Segment Shares (%), 2014 Table 101: CNP Assurances SA - Key Facts Table 102: CNP Assurances SA - Key Financials (EUR Million), 2010-2014 Table 103: Cr�dit Agricole Assurance - Key Facts Table 104: Cr�dit Agricole Assurance - Key Financials (EUR Million), 2010-2014 Table 105: Cr�dit Mutuel - Key Facts Table 106: Cr�dit Mutuel - Key Financials (EUR Million), 2010-2014 Table 107: Axa�France SAS - Key Facts Table 108: Axa�France SAS - Key Financials (EUR Million), 2010-2014 Table 109: BNP�Paribas�Cardif SA - Key Facts Table 110: BNP�Paribas�Cardif SA - Key Financials (EUR Million), 2011-2014 Table 111: Generali France SA - Key Facts Table 112: Generali�France SA - Key Financials (EUR Million), 2010-2014 Table 113: Soci�t� G�n�rale Insurance SA - Key Facts Table 114: Soci�t� G�n�rale Insurance SA - Key Financials (EUR Million), 2011-2014 Table 115: Allianz France SA - Key Facts Table 116: Allianz France SA - Key Financials (EUR Million), 2010-2014 Table 117: AG2R La Mondiale - Key Facts Table 118: France - Insurance Regulatory Framework Key Features Table 119: France - Life Insurance Regulatory Framework Table 120: France - Property Insurance Regulatory Framework Table 121: France - Motor Insurance Regulatory Framework Table 122: France - Liability Insurance Regulatory Framework Table 123: France - Minimum Coverage for Aircraft Third-Party Liability Per Accident Per Aircraft Table 124: France - Insurance Premium Taxation Table 125: France - Corporate Tax Rates for the Financial Year 2016
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