Life Insurance in Pakistan, Key Trends and Opportunities to 2016

Synopsis
The report provides in depth market analysis, information and insights into the Pakistan life insurance market, including:
- The Pakistan life insurance market’s growth prospects by life insurance categories and customer segments
- The various distribution channels in the Pakistan life insurance market
- The competitive landscape in the Pakistan life insurance market
- A description of the life reinsurance market in Pakistan

Summary
The Pakistani life insurance segment recorded a positive growth rate during the review period. The segment’s growth was primarily driven by rising consumer awareness with regards to the benefits of life insurance products, their dualistic coverage as a long-term savings instrument, and the development of new distribution channels. The life insurance segment recorded a growth in investment income during the review period. This was primarily due to a strong investment portfolio, which is a mix of equities and bonds. In order to secure the regular return on the investment, life insurance companies placed a significant portion of their investment in fixed-income securities.

Scope
This report provides a comprehensive analysis of the life insurance market in Pakistan:
- It provides historical values for the Pakistan life insurance market for the report’s 2007–2011 review period and forecast figures for the 2012–2016 forecast period
- It offers a detailed analysis of the key sub-segments in the Pakistan life insurance market, along with market forecasts until 2016
- It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions
- It analyses the various distribution channels for insurance products in Pakistan
- Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Pakistan for life insurance business
- It provides a detailed analysis of the reinsurance market in Pakistan and its growth prospects
- It profiles the top life insurance companies in Pakistan 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 Pakistan life insurance market and each sector within it
- Understand the demand-side dynamics, key market trends and growth opportunities within the Pakistan life insurance market
- Assess the competitive dynamics in the life insurance market, along with the reinsurance segment
- Identify the growth opportunities and market dynamics within key product categories
- Gain insights into key regulations governing the Pakistan insurance market and its impact on companies and the market's future

Key Highlights
- Pakistan’s economic growth is anticipated to attract higher foreign capital inflows while supporting business and consumer confidence over the forecast period.
- Since unit-linked policies have a complex benefit structure and investment risk, the SECP proposed new regulations with the aim of achieving a greater level of transparency in disclosures made by insurance companies to policyholders regarding unit pricing and fund management, which will increase consumer confidence.
- The growth in the category was derived from strong marketing strategies adopted by insurers in order to encourage individual client purchase. This also had the effect of supporting a strong demand for individual unit-linked products during the review period.
- Pakistan has a liberalized foreign direct investment (FDI) policy with few restrictions, which is expected to encourage foreign companies to enter into the segment. The SECP has proposed a new regulation for unit-linked life insurance policies in order to provide policyholders with more transparency.
- Growth in the Pakistani life insurance segment was supported by the expansion of distribution channel networks during the review period. A strong and efficient distribution channel network ensures insurance companies maintain their cost competiveness. In order to expand their market, life insurance companies are developing new distribution channels.
- As of 2011, the State Life Insurance Corporation of Pakistan was the leading life insurance company in the Pakistan insurance segment, followed by EFU Life Assurance Limited, Jubilee Life Insurance Company Limited and American Life Insurance Company (Pakistan) Limited.

1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Pakistani Insurance Industry Attractiveness
3.1 Insurance Industry Market Size, 2007–2016
3.2 Key Industry Trends and Drivers
3.2.1 Business drivers
3.2.2 Consumer drivers
3.3 Recent Market Developments
4 Life Insurance Segment Outlook
4.1 Life Insurance Growth Prospects by Category
4.1.1 Individual life insurance category market size, 2007–2016
4.1.2 Individual pension category market size, 2007–2016
4.1.3 Individual unit-linked category market size, 2007–2016
4.1.4 Group life category market size, 2007–2016
4.1.5 Group superannuation insurance category market size, 2007–2016
4.2 Life Insurance Growth Prospects by Customer Segments
4.2.1 Individual segment market size, 2007–2016
4.2.2 Individual single premium category market size, 2007–2016
4.2.3 Individual non-single premium category market size, 2007–2016
4.2.4 Group segment market size, 2007–2016
4.2.5 Group single premium category market size, 2007–2016
4.2.6 Group non-single premium category market size, 2007–2016
5 Analysis by Distribution Channel
5.1 Direct Marketing Channel Market Size, 2007–2016
5.2 Bancassurance Channel Market Size, 2007–2016
5.3 Agencies Channel Market Size, 2007–2016
5.4 Other Channel Market Size, 2007–2016
6 Regulatory Policies
7 Porter’s Five Forces Analysis – Pakistani Life Insurance Market
7.1 Bargaining Power of Supplier: Low to Medium
7.2 Bargaining Power of Buyer: Low to Medium
7.3 Barriers to Entry: Medium
7.4 Intensity of Rivalry: Low to Medium
7.5 Threat of Substitutes: Low
8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance Market Size, 2007–2016
8.2 Reinsurance Market Size by Type of Insurance, 2007–2016
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in the Pakistani Life Insurance Segment
9.3 State Life Insurance Corporation of Pakistan – Company Overview
9.3.1 State Life Insurance Corporation of Pakistan– key facts
9.3.2 State Life Insurance Corporation of Pakistan– main products
9.3.3 State Life Insurance Corporation of Pakistan – main competitors
9.3.4 State Life Insurance Corporation of Pakistan– key employees
9.4 EFU Life Assurance Ltd. – Company Overview
9.4.1 EFU Life Assurance Ltd. – key facts
9.4.2 EFU Life Assurance Ltd. – main products
9.4.3 EFU Life Assurance Ltd. – main competitors
9.4.4 EFU Life Assurance Ltd. – key employees
9.5 American Life Insurance Company (Pakistan) Limited – Company Overview
9.5.1 American Life Insurance Company (Pakistan) Limited – key facts
9.5.2 American Life Insurance Company (Pakistan) Limited – main products
9.5.3 American Life Insurance Company (Pakistan) Limited – main competitors
9.5.4 American Life Insurance Company (Pakistan) Limited – key employees
9.6 Adamjee Life Assurance Company Ltd – Company Overview
9.6.1 Adamjee Life Assurance Company Ltd – key facts
9.6.2 Adamjee Life Assurance Company Ltd – main products
9.6.3 Adamjee Life Assurance Company Ltd – main competitors
9.6.4 Adamjee Life Assurance Company Ltd – key employees
9.7 East West Life Assurance Company Limited – Company Overview
9.7.1 East West Life Assurance Company Limited – key facts
9.7.2 East West Life Assurance Company Limited – main products
9.7.3 East West Life Assurance Company Limited – main competitors
9.7.4 East West Life Assurance Company Limited – key employees
9.8 AsiaCare Health & Life Insurance Company Limited – Company Overview
9.8.1 AsiaCare Health & Life Insurance Company Limited – key facts
9.8.2 AsiaCare Health & Life Insurance Company Limited – main products
9.8.3 AsiaCare Health & Life Insurance Company Limited – main competitors
9.8.4 AsiaCare Health & Life Insurance Company Limited – key employees
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Market capitalization trend – Karachi Stock Exchange, Pakistan
10.2 Economic Performance
10.2.1 GDP at constant prices (US dollar)
10.2.2 GDP per capita at constant prices (US dollar)
10.2.3 GDP at current prices (US dollar)
10.2.4 GDP per capita at current prices (US dollar)
10.2.5 GDP by key segments
10.2.6 Agricultural net output at current prices (PKR)
10.2.7 Agricultural net output at current prices (US dollar)
10.2.8 Agricultural net output at current prices as a percentage of GDP
10.2.9 Manufacturing net output at current prices (PKR)
10.2.10 Manufacturing net output at current prices (US dollar)
10.2.11 Manufacturing net output at current prices as a percentage of GDP
10.2.12 Mining, manufacturing and utilities net output at current prices (PKR)
10.2.13 Mining, manufacturing and utilities at current prices (US dollar)
10.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP
10.2.15 Construction net output at current prices (PKR)
10.2.16 Construction net output at current prices, (US dollar)
10.2.17 Construction net output at current prices as a percentage of GDP
10.2.18 Inflation rate
10.2.19 Current account balance as a percentage of GDP
10.2.20 Exports as a percentage of GDP
10.2.21 Imports as a percentage of GDP
10.2.22 Exports growth
10.2.23 Imports growth
10.2.24 Annual average exchange rate US$–PKR
10.2.25 End-of-period exchange rate US$–PKR
10.3 Infrastructure Quality and Availability
10.3.1 Total airports and sea ports
10.3.2 Railways and roadways
10.3.3 Passenger vehicle production volume
10.3.4 Commercial vehicle production volume
10.3.5 Automotive component exports trend
10.3.6 Automotive component imports trend
10.3.7 Passenger car penetration
10.3.8 Healthcare expenditure
10.3.9 Healthcare expenditure as a percentage of GDP
10.3.10 Healthcare expenditure per capita
10.3.11 Total internet subscribers
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate
10.5 Demographics
10.5.1 Annual disposable income
10.5.2 Annual per capita disposable income
10.5.3 Total population
10.5.4 Urban and rural population
10.5.5 Female percentage of population
10.5.6 Male percentage of population
10.5.7 Mean age of the population
10.5.8 Median age of population
10.5.9 Population density
10.5.10 Age distribution of the total population
10.5.11 Age distribution of the male population
10.5.12 Age distribution of the female population
10.5.13 Number of households
10.6 Political and Social Risk
10.6.1 Political stability
10.6.2 Terrorism index
10.6.3 Transparency index
11 Appendix
11.1 Methodology
11.2 Contact Us
11.3 About Timetric
11.4 Disclaimer

List of Tables
Table 1: Insurance Industry Definitions
Table 2: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 2007–2011
Table 3: Pakistani Insurance Overall Written Premium by Segment (US$ Billion), 2007–2011
Table 4: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 2011–2016
Table 5: Pakistani Insurance Overall Written Premium by Segment (US$ Billion), 2011–2016
Table 6: Pakistani Insurance Segmentation (%), 2007–2016
Table 7: Pakistani Life Insurance – Written Premium by Category (PKR Billion), 2007–2011
Table 8: Pakistani Life Insurance – Written Premium by Category (US$ Billion), 2007–2011
Table 9: Pakistani Life Insurance – Written Premium by Category (PKR Billion), 2011–2016
Table 10: Pakistani Life Insurance – Written Premium by Category (US$ Billion), 2011–2016
Table 11: Pakistani Life Insurance – Incurred Loss (PKR Billion), 2007–2011
Table 12: Pakistani Life Insurance – Incurred Loss (PKR Billion), 2011–2016
Table 13: Pakistani Life Insurance – Loss Ratio (%), 2007–2011
Table 14: Pakistani Life Insurance – Loss Ratio (%), 2011–2016
Table 15: Pakistani Life Insurance – Commissions and Expenses (PKR Billion), 2007–2011
Table 16: Pakistani Life Insurance – Commissions and Expenses (PKR Billion), 2011–2016
Table 17: Pakistani Life Insurance – Combined Ratio (%), 2007–2011
Table 18: Pakistani Life Insurance – Combined Ratio (%), 2011–2016
Table 19: Pakistani Life Insurance – Frauds and Crimes (PKR Billion), 2007–2011
Table 20: Pakistani Life Insurance – Frauds and Crimes (PKR Billion), 2011–2016
Table 21: Pakistani Life Insurance – Total Assets (PKR Billion), 2007–2011
Table 22: Pakistani Life Insurance – Total Assets (PKR Billion), 2011–2016
Table 23: Pakistani Life Insurance – Total Investment Income (PKR Billion), 2007–2011
Table 24: Pakistani Life Insurance – Total Investment Income (PKR Billion), 2011–2016
Table 25: Pakistani Life Insurance – Retentions (PKR Billion), 2007–2011
Table 26: Pakistani Life Insurance – Retentions (PKR Billion), 2011–2016
Table 27: Pakistani Individual Life Insurance Category by Volume (Thousand), 2007–2011
Table 28: Pakistani Individual Life Insurance Category by Volume (Thousand), 2011–2016
Table 29: Pakistani Individual Life Insurance Category by Written Premium (PKR Billion), 2007–2011
Table 30: Pakistani Individual Life Insurance Category by Written Premium (PKR Billion), 2011–2016
Table 31: Pakistani Individual Pension Insurance Category by Volume (Thousand), 2007–2011
Table 32: Pakistani Individual Pension Insurance Category by Volume (Thousand), 2011–2016
Table 33: Pakistani Individual Pension Insurance Category by Written Premium (PKR Billion), 2007–2011
Table 34: Pakistani Individual Pension Insurance Category by Written Premium (PKR Billion), 2011–2016
Table 35: Pakistani Individual Unit-linked Insurance Category by Volume (Thousand), 2007–2011
Table 36: Pakistani Individual Unit-linked Insurance Category by Volume (Thousand), 2011–2016
Table 37: Pakistani Individual Unit-linked Insurance Category by Written Premium (PKR Billion), 2007–2011
Table 38: Pakistani Individual Unit-linked Insurance Category by Written Premium (PKR Billion), 2011–2016
Table 39: Pakistani Group life Insurance Category by Volume (Thousand), 2007–2011
Table 40: Pakistani Group life Insurance Category by Volume (Thousand), 2011–2016
Table 41: Pakistani Group life Insurance Category by Written Premium (PKR Billion), 2007–2011
Table 42: Pakistani Group Life Insurance Category by Written Premium (PKR Billion), 2011–2016
Table 43: Pakistani Group Superannuation Category by Volume (Thousand), 2007–2011
Table 44: Pakistani Group Superannuation Category by Volume (Thousand), 2011–2016
Table 45: Pakistani Group Superannuation Category by Written Premium (PKR Billion), 2007–2011
Table 46: Pakistani Group Superannuation Category by Written Premium (PKR Billion), 2011–2016
Table 47: Pakistani Individual Single Premium Category by Volume (Thousand), 2007–2011
Table 48: Pakistani Individual Single Premium Category by Volume (Thousand), 2011–2016
Table 49: Pakistani Individual Single Premium Category by Written Premium (PKR Billion), 2007–2011
Table 50: Pakistani Individual Single Premium Category by Written Premium (PKR Billion), 2011–2016
Table 51: Pakistani Individual Non-Single Premium Category by Volume (Thousand), 2007–2011
Table 52: Pakistani Individual Non-Single Premium Category by Volume (Thousand), 2011–2016
Table 53: Pakistani Individual Non-Single Premium Category by Written Premium (PKR Billion), 2007–2011
Table 54: Pakistani Individual Non-Single Premium Category by Written Premium (PKR Billion), 2011–2016
Table 55: Pakistani Group Single Premium Category by Volume (Thousand), 2007–2011
Table 56: Pakistani Group Single Premium Category by Volume (Thousand), 2011–2016
Table 57: Pakistani Group Single Premium Category by Written Premium (PKR Billion), 2007–2011
Table 58: Pakistani Group Single Premium Category by Written Premium (PKR Billion), 2011–2016
Table 59: Pakistani Group Non-Single Premium Category by Volume (Thousand), 2007–2011
Table 60: Pakistani Group Non-Single Premium Category by Volume (Thousand), 2011–2016
Table 61: Pakistani Group Non-Single Premium Category by Written Premium (PKR Billion), 2007–2011
Table 62: Pakistani Group Non-Single Premium Category by Written Premium (PKR Billion), 2011–2016
Table 63: Pakistani Life Insurance– Direct Marketing Commission Paid (PKR Billion), 2007–2011
Table 64: Pakistani Life Insurance –Direct Marketing Commission Paid (PKR Billion), 2011–2016
Table 65: Pakistani Life Insurance – Written Premium Through Direct Marketing (PKR Billion), 2007–2011
Table 66: Pakistani Life Insurance – Written Premium Through Direct Marketing (PKR Billion), 2011–2016
Table 67: Pakistani Life Insurance – Policies Sold Through Direct Marketing (Thousand), 2007–2011
Table 68: Pakistani Life Insurance – Policies Sold Through Direct Marketing (Thousand), 2011–2016
Table 69: Pakistani Life Insurance – Number of Direct Marketing Distributors, 2007–2011
Table 70: Pakistani Life Insurance – Number of Direct Marketing Distributors, 2011–2016
Table 71: Pakistani Life Insurance – Bancassurance Commission Paid (PKR Billion), 2007–2011
Table 72: Pakistani Life Insurance – Bancassurance Commission Paid (PKR Billion), 2011–2016
Table 73: Pakistani Life Insurance – Written Premium Through Bancassurance (PKR Billion), 2007–2011
Table 74: Pakistani Life Insurance – Written Premium Through Bancassurance (PKR Billion), 2011–2016
Table 75: Pakistani Life Insurance – Policies Sold Through Bancassurance (Thousand), 2007–2011
Table 76: Pakistani Life Insurance – Policies Sold Through Bancassurance (Thousand), 2011–2016
Table 77: Pakistani Life Insurance – Number of Bancassurance Distributors, 2007–2011
Table 78: Pakistani Life Insurance – Number of Bancassurance Distributors, 2011–2016
Table 79: Pakistani Life Insurance – Commission Paid to Agencies (PKR Billion), 2007–2011
Table 80: Pakistani Life Insurance – Commission Paid to Agencies (PKR Billion), 2011–2016
Table 81: Pakistani Life Insurance – Written Premium Through Agencies (PKR Billion), 2007–2011
Table 82: Pakistani Life Insurance – Written Premium Through Agencies (PKR Billion), 2011–2016
Table 83: Pakistani Life Insurance – Policies Sold Through Agencies (Thousand), 2007–2011
Table 84: Pakistani Life Insurance – Policies Sold Through Agencies (Thousand), 2011–2016
Table 85: Pakistani Life Insurance – Number of Agencies, 2007–2011
Table 86: Pakistani Life Insurance – Number of Agencies, 2011–2016
Table 87: Pakistani Life Insurance – Commission Paid to Other Channels (PKR Billion), 2007–2011
Table 88: Pakistani Life Insurance – Commission Paid to Other Channels (PKR Billion), 2011–2016
Table 89: Pakistani Life Insurance – Written Premium Through Other Channels (PKR Billion), 2007–2011
Table 90: Pakistani Life Insurance – Written Premium Through Other Channels (PKR Billion), 2011–2016
Table 91: Pakistani Life Insurance – Policies Sold Through Other Channels (Thousand), 2007–2011
Table 92: Pakistani Life Insurance – Policies Sold Through Other Channels (Thousand), 2011–2016
Table 93: Pakistani Life Insurance – Number of Distributors in Other Channels, 2007–2011
Table 94: Pakistani Life Insurance – Number of Distributors in Other Channels, 2011–2016
Table 95: Pakistani Reinsurance Market in Pakistan by Category (PKR Billion), 2007–2011
Table 96: Pakistani Reinsurance Market in Pakistan by Category (US$ Billion), 2007–2011
Table 97: Pakistani Reinsurance Market in Pakistan by Category (PKR Billion), 2011–2016
Table 98: Pakistani Reinsurance Market in Pakistan by Category (US$ Billion), 2011–2016
Table 99: Pakistani Reinsurance Ceded by Type of Insurance (PKR Billion), 2007–2011
Table 100: Pakistani Reinsurance Ceded by Type of Insurance (US$ Billion), 2007–2011
Table 101: Pakistani Reinsurance Ceded by Type of Insurance (PKR Billion), 2011–2016
Table 102: Pakistani Reinsurance Ceded by Type of Insurance (US$ Billion), 2011–2016
Table 103: Pakistani Life Insurance – Percentage of Reinsurance Ceded (%), 2007–2011
Table 104: Pakistani Life Insurance – Percentage of Reinsurance Ceded (%), 2011–2016
Table 105: Pakistani Life Insurance Market Share (%), 2007–2011
Table 106: Pakistani State Life Insurance Corporation of Pakistan, Key Facts
Table 107: Pakistani State Life Insurance Corporation of Pakistan, Main Products
Table 108: Pakistani State Life Insurance Corporation of Pakistan, Key Employees
Table 109: Pakistani EFU Life Assurance Ltd, Key Facts
Table 110: Pakistani EFU Life Assurance Ltd., Main Products
Table 111: Pakistani EFU Life Assurance Ltd, Key Employees
Table 112: Pakistani American Life Insurance Company (Pakistan) Limited, Key Facts
Table 113: Pakistani American Life Insurance Company (Pakistan) Limited, Main Products
Table 114: Pakistani American Life Insurance Company (Pakistan) Limited, Key Employees
Table 115: Pakistani Adamjee Life Assurance Company Ltd, Key Facts
Table 116: Pakistani Adamjee Life Assurance Company Ltd, Main Products
Table 117: Pakistani Adamjee Life Assurance Company Ltd, Key Employees
Table 118: Pakistani East West Life Assurance Company Limited, Key Facts
Table 119: Pakistani East West Life Assurance Company Limited, Main Products
Table 120: Pakistani East West Life Assurance Company Limited, Key Employees
Table 121: Pakistani AsiaCare Health & Life Insurance Company Limited, Key Facts
Table 122: Pakistani AsiaCare Health & Life Insurance Company Limited, Main Products
Table 123: Pakistani AsiaCare Health & Life Insurance Company Limited, Key Employees

List of Figures
Figure 1: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 2007–2016
Figure 2: Pakistani Insurance Market Dynamics by Segment, 2007–2016
Figure 3: Pakistani Life Insurance – Written Premium by Category (PKR Billion), 2007–2016
Figure 4: Pakistani Life Insurance – Written Premium, by Type of Insurance, 2011 and 2016
Figure 5: Pakistani Life Insurance – Market Dynamics by Category, 2007–2016
Figure 6: Pakistani Life Insurance – Incurred Loss (PKR Billion), 2007–2011
Figure 7: Pakistani Life Insurance – Incurred Loss (PKR Billion), 2011–2016
Figure 8: Pakistani Life Insurance – Loss Ratio (%), 2007–2011
Figure 9: Pakistani Life Insurance – Loss Ratio (%), 2011–2016
Figure 10: Pakistani Life Insurance – Commissions and Expenses (PKR Billion), 2007–2011
Figure 11: Pakistani Life Insurance – Commissions and Expenses (PKR Billion), 2011–2016
Figure 12: Pakistani Life Insurance – Combined Ratio (%), 2007–2011
Figure 13: Pakistani Life Insurance – Combined Ratio (%), 2011–2016
Figure 14: Pakistani Life Insurance – Frauds and Crimes (PKR Billion), 2007–2011
Figure 15: Pakistani Life Insurance – Frauds and Crimes (PKR Billion), 2011–2016
Figure 16: Pakistani Life Insurance – Total Assets (PKR Billion), 2007–2011
Figure 17: Pakistani Life Insurance – Total Assets (PKR Billion), 2011–2016
Figure 18: Pakistani Life Insurance – Total Investment Income (PKR Billion), 2007–2011
Figure 19: Pakistani Life Insurance – Total Investment Income (PKR Billion), 2011–2016
Figure 20: Pakistani Life Insurance – Retentions (PKR Billion), 2007–2011
Figure 21: Pakistani Life Insurance – Retentions (PKR Billion), 2011–2016
Figure 22: Pakistani Life Insurance – Investment Type (PKR Billion), 2007–2011
Figure 23: Pakistani Life Insurance – Investment Type, 2007 and 2011
Figure 24: Pakistani Life Insurance – Density and Penetration (%), 2007–2011
Figure 25: Pakistani Life Insurance – Number of Policies Sold (Thousand), 2007–2011
Figure 26: Pakistani Life Insurance – Number of Policies Sold (Thousand), 2011–2016
Figure 27: Pakistani Life Insurance – Premium Per-capita (PKR), 2007–2011
Figure 28: Pakistani Individual Life Insurance Category by Volume (Thousand), 2007–2011
Figure 29: Pakistani Individual Life Insurance Category by Volume (Thousand), 2011–2016
Figure 30: Pakistani Individual Life Insurance Category by Written Premium (PKR Billion), 2007–2011
Figure 31: Pakistani Individual Life Insurance Category by Written Premium (PKR Billion), 2011–2016
Figure 32: Pakistani Individual Pension Insurance Category by Volume (Thousand), 2007–2011
Figure 33: Pakistani Individual Pension Insurance Category by Volume (Thousand), 2011–2016
Figure 34: Pakistani Individual Pension Insurance Category by Written Premium (PKR Billion), 2007–2011
Figure 35: Pakistani Individual Pension Insurance Category by Written Premium (PKR Billion), 2011–2016
Figure 36: Pakistani Individual Unit-linked Insurance Category by Volume (Thousand), 2007–2011
Figure 37: Pakistani Individual Unit-linked Insurance Category by Volume (Thousand), 2011–2016
Figure 38: Pakistani Individual Unit-linked Insurance Category by Written Premium (PKR Billion), 2007–2011
Figure 39: Pakistani Individual Unit-linked Insurance Category by Written Premium (PKR Billion), 2011–2016
Figure 40: Pakistani Group life Insurance Category by Volume (Thousand), 2007–2011
Figure 41: Pakistani Group life Insurance Category by Volume (Thousand), 2011–2016
Figure 42: Pakistani Group life Insurance Category by Written Premium (PKR Billion), 2007–2011
Figure 43: Pakistani Group Life Insurance Category by Written Premium (PKR Billion), 2011–2016
Figure 44: Pakistani Group Superannuation Category by Volume (Thousand), 2007–2011
Figure 45: Pakistani Group Superannuation Category by Volume (Thousand), 2011–2016
Figure 46: Pakistani Group Superannuation Category by Written Premium (PKR Billion), 2007–2011
Figure 47: Pakistani Group Superannuation Category by Written Premium (PKR Billion), 2011–2016
Figure 48: Pakistani Individual Single Premium Category by Volume (Thousand), 2007–2011
Figure 49: Pakistani Individual Single Premium Category by Volume (Thousand), 2011–2016
Figure 50: Pakistani Individual Single Premium Category by Written Premium (PKR Billion), 2007–2011
Figure 51: Pakistani Individual Single Premium Category by Written Premium (PKR Billion), 2011–2016
Figure 52: Pakistani Individual Non-Single Premium Category by Volume (Thousand), 2007–2011
Figure 53: Pakistani Individual Non-Single Premium Category by Volume (Thousand), 2011–2016
Figure 54: Pakistani Individual Non-Single Premium Category by Written Premium (PKR Billion), 2007–2011
Figure 55: Pakistani Individual Non-Single Premium Category by Written Premium (PKR Billion), 2011–2016
Figure 56: Pakistani Group Single Premium Category by Volume (Thousand), 2007–2011
Figure 57: Pakistani Group Single Premium Category by Volume (Thousand), 2011–2016
Figure 58: Pakistani Group Single Premium Category by Written Premium (PKR Billion), 2007–2011
Figure 59: Pakistani Group Single Premium Category by Written Premium (PKR Billion), 2011–2016
Figure 60: Pakistani Group Non-Single Premium Category by Volume (Thousand), 2007–2011
Figure 61: Pakistani Group Non-Single Premium Category by Volume (Thousand), 2011–2016
Figure 62: Pakistani Group Non-Single Premium Category by Written Premium (PKR Billion), 2007–2011
Figure 63: Pakistani Group Non-Single Premium Category by Written Premium (PKR Billion), 2011–2016
Figure 64: Pakistani Life Insurance New Business Written Premium – Market Shares by Distribution Channel, 2011 and 2016
Figure 65: Pakistani Life Insurance – Direct Marketing Commission Paid (PKR Billion), 2007–2011
Figure 66: Pakistani Life Insurance – Direct Marketing Commission Paid (PKR Billion), 2011–2016
Figure 67: Pakistani Life Insurance – Written Premium Through Direct Marketing (PKR Billion), 2007–2011
Figure 68: Pakistani Life Insurance – Written Premium Through Direct Marketing (PKR Billion), 2011–2016
Figure 69: Pakistani Life Insurance – Policies Sold Through Direct Marketing (Thousand), 2007–2011
Figure 70: Pakistani Life Insurance – Policies Sold Through Direct Marketing (Thousand), 2011–2016
Figure 71: Pakistani Life Insurance – Number of Direct Marketing Distributors, 2007–2011
Figure 72: Pakistani Life Insurance – Number of Direct Marketing Distributors, 2011–2016
Figure 73: Pakistani Life Insurance – Bancassurance Commission Paid (PKR Billion), 2007–2011
Figure 74: Pakistani Life Insurance – Bancassurance Commission Paid (PKR Billion), 2011–2016
Figure 75: Pakistani Life Insurance – Written Premium Through Bancassurance (PKR Billion), 2007–2011
Figure 76: Pakistani Life Insurance – Written Premium Through Bancassurance (PKR Billion), 2011–2016
Figure 77: Pakistani Life Insurance – Policies Sold Through Bancassurance (Thousand), 2007–2011
Figure 78: Pakistani Life Insurance – Policies Sold Through Bancassurance (Thousand), 2011–2016
Figure 79: Pakistani Life Insurance – Number of Bancassurance Distributors, 2007–2011
Figure 80: Pakistani Life Insurance – Number of Bancassurance Distributors, 2011–2016
Figure 81: Pakistani Life Insurance – Commission Paid to Agencies (PKR Billion), 2007–2011
Figure 82: Pakistani Life Insurance – Commission Paid to Agencies (PKR Billion), 2011–2016
Figure 83: Pakistani Life Insurance – Written Premium Through Agencies (PKR Billion), 2007–2011
Figure 84: Pakistani Life Insurance – Written Premium Through Agencies (PKR Billion), 2011–2016
Figure 85: Pakistani Life Insurance – Policies Sold Through Agencies (Thousand), 2007–2011
Figure 86: Pakistani Life Insurance – Policies Sold Through Agencies (Thousand), 2011–2016
Figure 87: Pakistani Life Insurance – Number of Agencies, 2007–2011
Figure 88: Pakistani Life Insurance – Number of Agencies, 2011–2016
Figure 89: Pakistani Life Insurance – Commission Paid to Other Channels (PKR Billion), 2007–2011
Figure 90: Pakistani Life Insurance – Commission Paid to Other Channels (PKR Billion), 2011–2016
Figure 91: Pakistani Life Insurance – Written Premium Through Other Channels (PKR Billion), 2007–2011
Figure 92: Pakistani Life Insurance – Written Premium Through Other Channels (PKR Billion), 2011–2016
Figure 93: Pakistani Life Insurance – Policies Sold Through Other Channels (Thousand), 2007–2011
Figure 94: Pakistani Life Insurance – Policies Sold Through Other Channels (Thousand), 2011–2016
Figure 95: Pakistani Life Insurance – Number of Distributors in Other Channels, 2007–2011
Figure 96: Pakistani Life Insurance – Number of Distributors in Other Channels, 2011–2016
Figure 97: Pakistani Life Insurance Market – Five Forces Analysis
Figure 98: Pakistani Premium Ceded to Reinsurance by Category (PKR Billion), 2007–2016
Figure 99: Pakistani Reinsurance Premium Share by Category, 2011 and 2016
Figure 100: Pakistani Reinsurance Market Dynamics by Category, 2007–2016
Figure 101: Pakistani Reinsurance Ceded by Type of Insurance (PKR Billion), 2007–2016
Figure 102: Pakistani Reinsurance Market Dynamics by Type of Insurance, 2007–2016
Figure 103: Pakistani Life Insurance – Percentage of Reinsurance Ceded (%), 2007–2011
Figure 104: Pakistani Life Insurance – Percentage of Reinsurance Ceded (%), 2011–2016
Figure 105: Pakistani Life Insurance Market Share (%), 2007 and 2011
Figure 106: Karachi Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 107: Pakistani GDP at Constant Prices (US$ Billion), 2007–2011
Figure 108: Pakistani GDP Per Capita at Constant Prices (US$), 2007–2011
Figure 109: Pakistani GDP at Current Prices (US$ Billion), 2007–2011
Figure 110: Pakistani GDP Per Capita at Current Prices (US$), 2007–2011
Figure 111: Pakistani GDP by Key Segments (%) 2009 and 2011
Figure 112: Pakistani Agricultural Net Output at Current Prices (PKR Billion), 2007–2011
Figure 113: Pakistani Agricultural Net Output at Current Prices (US$ Billion), 2007–2011
Figure 114: Pakistani Agricultural Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 115: Pakistani Manufacturing Net Output at Current Prices (PKR Billion), 2007–2011
Figure 116: Pakistani Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 117: Pakistani Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 118: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices (PKR Billion), 2007–2011
Figure 119: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 120: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 121: Pakistani Construction Net Output at Current Prices (PKR Billion), 2007–2011
Figure 122: Pakistani Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 123: Pakistani Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 124: Pakistani Inflation Rate (%), 2007–2011
Figure 125: Pakistani Current Account Balance as a Percentage of GDP(%), 2007–2011
Figure 126: Pakistani Exports as a Percentage of GDP (%), 2007–2011
Figure 127: Pakistani Imports as a Percentage of GDP (%), 2007–2011
Figure 128: Pakistani Exports Growth (%), 2007–2011
Figure 129: Pakistani Imports Growth (%), 2007–2011
Figure 130: Pakistani Annual Average Exchange Rate US$–PKR, 2007–2011
Figure 131: Pakistani End-of-Period Exchange Rate US$–PKR, 2007–2011
Figure 132: Pakistani Airports and Sea Ports (Number), 2011
Figure 133: Pakistani Railways and Roadways (Kilometers), 2011
Figure 134: Pakistani Passenger Vehicle Production, 2007–2011
Figure 135: Pakistani Commercial Vehicle Production, 2007–2011
Figure 136: Pakistani Automotive Component Exports (US$ Million), 2007–2011
Figure 137: Pakistani Automotive Component Imports (US$ Million), 2007–2011
Figure 138: Pakistani Passenger Car Penetration (Per Thousand People), 2007–2011
Figure 139: Pakistani Healthcare Expenditure (US$ Billion), 2007–2011
Figure 140: Pakistani Healthcare Expenditure as a Percentage of GDP (%), 2007–2011
Figure 141: Pakistani Per Capita Healthcare Expenditure (US$), 2007–2011
Figure 142: Pakistani Internet Subscriptions (Million), 2007–2011
Figure 143: Pakistani Size of Labor Force in 15–59 Age Group (Million), 2007–2011
Figure 144: Pakistani Unemployment Rate (%), 2007–2011
Figure 145: Pakistani Annual Disposable Income (US$ Billion), 2007–2011
Figure 146: Pakistani Annual Per Capita Disposable Income (US$), 2007–2011
Figure 147: Pakistani Total Population (Million), 2007–2011
Figure 148: Pakistan Urban and Rural Population (%), 2007–2011
Figure 149: Pakistani Female as Percentage of Population (%), 2007–2011
Figure 150: Pakistani Male as Percentage of Population (%), 2007–2011
Figure 151: Pakistani Mean Age of Population (Year), 2007–2011
Figure 152: Pakistani Median Age of Population (Year), 2007–2011
Figure 153: Pakistani Population Density (per Square Kilometer), 2007–2011
Figure 154: Pakistani Population Distribution by Age (%), 2007–2011
Figure 155: Pakistani Male Population Distribution by Age (%), 2007–2011
Figure 156: Pakistani Female Population Distribution by Age (%), 2007–2011
Figure 157: Pakistani Households, Number of (Million), 2007–2011
Figure 158: Global Terrorism Heat Map, 2011
Figure 159: Pakistan Transparency Index, 2007–2011

State Life Insurance Corporation of Pakistan
EFU Life Assurance Ltd
American Life Insurance Company
Adamjee Life Assurance Company Ltd
East West Life Assurance Company Limited
AsiaCare Health & Life Insurance Company Limited

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