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Life Insurance in Finland, Key Trends and Opportunities to 2018

  • ID: 3081813
  • January 2015
  • Region: Finland
  • 282 pages
  • Timetric
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The Finnish life segment accounted for 80.7% of the industry’s gross written premium in 2013. The life gross written premium recorded a review-period (2009-2013) compound annual growth rate (CAGR) of 7.2%. The growth was associated with increased demand for unit-linked policies. Group superannuation was the largest category with 69.5% of the life segment’s gross written premium in 2013.
Finland’s life segment is well developed, and its penetration rate stood at 9.3% in 2013. The segment is expected to improve over the forecast period (2014-2018) due to the strengthening of the Finnish economy, an aging population, the implementation of Solvency II, better risk management and higher profits. The life segment’s gross written premium is expected to increase at a forecast-period CAGR of 6.2%.

Summary:

The report provides in-depth market analysis, information and insights into the Finnish life insurance segment, including:

- The Finnish life insurance segment’s growth prospects by life insurance category

- Key trends, drivers and challenges for the life insurance segment

- The various distribution channels in the Finnish READ MORE >

Note: Product cover images may vary from those shown
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1 Key Facts and Events
2 Executive Summary
3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology
4 Finnish Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009-2018
5 Life Insurance Outlook
5.1 Consumer Segmentation
5.2 Key Drivers
5.3 Key Trends
5.4 Challenges
5.5 Life Insurance Growth Prospects by Category
5.6 Individual Life Insurance
5.6.1 Individual pension insurance
5.6.2 Individual endowment insurance
5.6.3 Other individual other insurance
5.7 Group Life Insurance
5.7.1 Group whole life insurance
5.7.2 Group superannuation insurance
5.7.3 Other group life insurance
5.8 Life Insurance Growth Prospects by Customer Segment
5.8.1 Individual single-premium insurance
5.8.2 Individual non-single-premium insurance
5.8.3 Group single-premium insurance
5.8.4 Group non-single-premium insurance
5.9 Life Insurance Growth Prospects by Product Type
5.9.1 Total linked insurance business
5.9.2 Total non-linked insurance business
6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-Commerce
6.5 Brokers
6.6 Other Channels
7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Regulations by Type of Insurance
7.2.1 Life insurance regulations
7.2.2 Property insurance regulations
7.2.3 Motor insurance regulations
7.2.4 Marine, aviation and transit insurance regulations
7.2.5 Personal accident and health insurance regulations
7.3 Compulsory Insurance
7.3.1 Motor third-party liability insurance
7.3.2 Workers’ compensation insurance
7.3.3 Air carriers and aircraft operators insurance
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors (IAIS)
7.4.2 European Insurance and Occupational Pension Authority (EIOPA)
7.4.3 Financial Supervisory Authority (FSA)
7.5 Non-Admitted Insurance Regulations
7.5.1 Overview
7.5.2 Intermediaries
7.5.3 Market practices
7.5.4 Fines and penalties
7.6 Company Registration and Operations
7.6.1 Types of insurance organization
7.6.2 Establishing a local company
7.6.3 Foreign ownership
7.6.4 Types of license
7.6.5 Capital requirements
7.6.6 Solvency margins
7.6.7 Reserve requirements
7.6.8 Investment regulations
7.6.9 Statutory return requirements
7.6.10 Fee structure
7.7 Taxation
7.7.1 Insurance premium or policy taxation
7.7.2 Withholding tax on insurance premium paid overseas
7.7.3 Corporate tax
7.7.4 VAT
7.7.5 Captives
7.8 Legal System
7.8.1 Introduction
7.8.2 Access to court
7.8.3 Alternative dispute resolution (ADR)
8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Finnish Life Segment
8.3 Comparison of the Top Five Insurers
8.3.1 Gross written premium
8.3.2 Incurred loss
8.3.3 Total assets
8.4 Leading Life Insurers - New Product Launches
8.5 Leading Life Insurers - Key Developments
8.6 Varma Mutual Pension Insurance Company - Company Overview
8.6.1 Varma Mutual Pension Insurance Company - key facts
8.6.2 Varma Mutual Pension Insurance Company - key financials
8.7 Ilmarinen Mutual Pension Insurance Company - Company Overview
8.7.1 Ilmarinen Mutual Pension Insurance Company - key facts
8.7.2 Ilmarinen Mutual Pension Insurance Company - key financials
8.8 Nordea Life Assurance Finland Ltd - Company Overview
8.8.1 Nordea Life Assurance Finland Ltd - key facts
8.8.2 Nordea Life Assurance Finland Ltd - key financials
8.9 LocalTapiola Mutual Pension Insurance Company - Company Overview
8.9.1 LocalTapiola Mutual Pension Insurance Company - key facts
8.9.2 LocalTapiola Mutual Pension Insurance Company - key financials
8.1 Fennia Mutual Pension Insurance Company - Company Overview
8.10.1 Fennia Mutual Pension Insurance Company - key facts
8.10.2 Fennia Mutual Pension Insurance Company - key financials
8.11 OP Life Assurance Company Ltd - Company Overview
8.11.1 OP Life Assurance Company Ltd - key facts
8.11.2 OP Life Assurance Company Ltd - key financials
8.12 Mandatum Life Insurance Company Ltd - Company Overview
8.12.1 Mandatum Life Insurance Company Ltd - key facts
8.12.2 Mandatum Life Insurance Company Ltd - key financials
8.13 Etera Mutual Pension Insurance Company - Company Overview
8.13.1 Etera Mutual Pension Insurance Company - key facts
8.13.2 Etera Mutual Pension Insurance Company - key financials
8.14 Veritas Pension Insurance Company Ltd - Company Overview
8.14.1 Veritas Pension Insurance Company Ltd - key facts
8.14.2 Veritas Pension Insurance Company Ltd - key financials
8.15 LocalTapiola Mutual Life Insurance Company - Company Overview
8.15.1 LocalTapiola Mutual Life Insurance Company - key facts
8.15.2 LocalTapiola Mutual Life Insurance Company - key financials
9 Appendix - 1
9.1 Business Confidence
9.1.1 Market capitalization trend - Helsinki Stock Exchange (HSE), Finland
9.2 Economic Performance
9.2.1 GDP at constant prices (US$)
9.2.2 GDP per capita at constant prices (US$)
9.2.3 GDP at current prices (US$)
9.2.4 GDP per capita at current prices (US$)
9.2.5 GDP by key sector
9.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
9.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of gdp
9.2.8 Manufacturing net output at current prices (US$)
9.2.9 Manufacturing net output at current prices as a percentage of GDP
9.2.10 Mining, manufacturing and utilities at current prices (US$)
9.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
9.2.12 Construction net output at current prices (US$)
9.2.13 Construction net output at current prices as a percentage of GDP
9.2.14 Inflation rate
9.2.15 Exports as a percentage of GDP
9.2.16 Imports as a percentage of GDP
9.2.17 Merchandise exports growth
9.2.18 Merchandise imports growth
9.2.19 Annual average exchange rate US$-EUR
9.3 Infrastructure
9.3.1 Commercial vehicle exports - total value
9.3.2 Commercial vehicle imports - total value
9.3.3 Automotive exports - total value
9.3.4 Automotive imports - total value
9.3.5 Total internet subscribers
9.4 Labor Force
9.4.1 Labor force
9.4.2 Unemployment rate
9.5 Demographics
9.5.1 Household consumption expenditure (US$)
9.5.2 Total population
9.5.3 Urban and rural populations
9.5.4 Age distribution of the total population
9.5.5 Life Expectancy
10 Appendix - 2
10.1 Methodology
10.2 Contact
10.3 About
10.4 Services
10.5 Disclaimer

List of Tables
Table 1: Finnish Life insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Finnish Insurance - Gross Written Premium by Segment (EUR Billion), 2009-2013
Table 4: Finnish Insurance - Gross Written Premium by Segment (US$ Billion), 2009-2013
Table 5: Finnish Insurance - Gross Written Premium by Segment (EUR Billion), 2013-2018
Table 6: Finnish Insurance - Gross Written Premium by Segment (US$ Billion), 2013-2018
Table 7: Finnish Insurance - Segmentation, Gross Written Premium (% Share), 2009-2018
Table 8: Finnish Insurance - Direct Written Premium by Segment (EUR Billion), 2009-2013
Table 9: Finnish Insurance - Direct Written Premium by Segment (US$ Billion), 2009-2013
Table 10: Finnish Insurance - Direct Written Premium by Segment (EUR Billion), 2013-2018
Table 11: Finnish Insurance - Direct Written Premium by Segment (US$ Billion), 2013-2018
Table 12: Finnish Insurance - Segmentation, Direct Written Premium (% Share), 2009-2018
Table 13: Finnish Life Insurance - Gross Written Premium by Category (EUR Billion), 2009-2013
Table 14: Finnish Life Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 15: Finnish Life Insurance - Gross Written Premium by Category (EUR Billion), 2013-2018
Table 16: Finnish Life Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 17: Finnish Life Insurance - New Business Written Premium (EUR Billion), 2009-2013
Table 18: Finnish Life Insurance - New Business Written Premium (EUR Billion), 2013-2018
Table 19: Finnish Life Insurance - Earned Premium (EUR Billion), 2009-2013
Table 20: Finnish Life Insurance - Earned Premium (EUR Billion), 2013-2018
Table 21: Finnish Life Insurance - Sum Assured (EUR Billion), 2009-2013
Table 22: Finnish Life Insurance - Sum Assured (EUR Billion), 2013-2018
Table 23: Finnish Life Insurance - Paid Claims (EUR Billion), 2009-2013
Table 24: Finnish Life Insurance - Paid Claims (EUR Billion), 2013-2018
Table 25: Finnish Life Insurance - Incurred Loss (EUR Billion), 2009-2013
Table 26: Finnish Life Insurance - Incurred Loss (EUR Billion), 2013-2018
Table 27: Finnish Life Insurance - Loss Ratio (%), 2009-2013
Table 28: Finnish Life Insurance - Loss Ratio (%), 2013-2018
Table 29: Finnish Life Insurance - Commissions and Expenses (EUR Billion), 2009-2013
Table 30: Finnish Life Insurance - Commissions and Expenses (EUR Billion), 2013-2018
Table 31: Finnish Life Insurance - Combined Ratio (%), 2009-2013
Table 32: Finnish Life Insurance - Combined Ratio (%), 2013-2018
Table 33: Finnish Life Insurance - Fraud and Crimes (EUR Billion), 2009-2013
Table 34: Finnish Life Insurance - Fraud and Crimes (EUR Billion), 2013-2018
Table 35: Finnish Life Insurance - Total Assets (EUR Billion), 2009-2013
Table 36: Finnish Life Insurance - Total Assets (EUR Billion), 2013-2018
Table 37: Finnish Life Insurance - Total Investment Income (EUR Billion), 2009-2013
Table 38: Finnish Life Insurance - Total Investment Income (EUR Billion), 2013-2018
Table 39: Finnish Life Insurance - Retentions (EUR Billion), 2009-2013
Table 40: Finnish Life Insurance - Retentions (EUR Billion), 2013-2018
Table 41: Finnish Individual Life Insurance - Gross Written Premium by Category (EUR Billion), 2009-2013
Table 42: Finnish Individual Life Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 43: Finnish Individual Life Insurance - Gross Written Premium by Category (EUR Billion), 2013-2018
Table 44: Finnish Individual Life Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 45: Finnish Individual Life Insurance - Direct Written Premium by Category (EUR Billion), 2009-2013
Table 46: Finnish Individual Life Insurance - Direct Written Premium by Category (US$ Billion), 2009-2013
Table 47: Finnish Individual Life Insurance - Direct Written Premium by Category (EUR Billion), 2013-2018
Table 48: Finnish Individual Life Insurance - Direct Written Premium by Category (US$ Billion), 2013-2018
Table 49: Finnish Individual Life Insurance - Policies by Category (Thousand), 2009-2013
Table 50: Finnish Individual Life Insurance - Policies Premium by Category (Thousand), 2013-2018
Table 51: Finnish Individual Pension Insurance - Number of Active Policies (Thousand), 2009-2013
Table 52: Finnish Individual Pension Insurance - Number of Active Policies (Thousand), 2013-2018
Table 53: Finnish Individual Pension Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 54: Finnish Individual Pension Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 55: Finnish Individual Endowment Insurance - Number of Active Policies (Thousand), 2009-2013
Table 56: Finnish Individual Endowment Insurance - Number of Active Policies (Thousand), 2013-2018
Table 57: Finnish Individual Endowment Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 58: Finnish Individual Endowment Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 59: Finnish Other Individual Insurance - Number of Active Policies (Thousand), 2009-2013
Table 60: Finnish Other Individual Insurance - Number of Active Policies (Thousand), 2013-2018
Table 61: Finnish Other Individual Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 62: Finnish Other Individual Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 63: Finnish Group Life Insurance - Gross Written Premium by Category (EUR Billion), 2009-2013
Table 64: Finnish Group Life Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 65: Finnish Group Life Insurance - Gross Written Premium by Category (EUR Billion), 2013-2018
Table 66: Finnish Group Life Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 67: Finnish Group Life Insurance - Direct Written Premium by Category (EUR Billion), 2009-2013
Table 68: Finnish Group Life Insurance - Direct Written Premium by Category (US$ Billion), 2009-2013
Table 69: Finnish Group Life Insurance - Direct Written Premium by Category (EUR Billion), 2013-2018
Table 70: Finnish Group Life Insurance - Direct Written Premium by Category (US$ Billion), 2013-2018
Table 71: Finnish Group Life Insurance - Policies by Category (Thousand), 2009-2013
Table 72: Finnish Group Life Insurance - Policies Premium by Category (Thousand), 2013-2018
Table 73: Finnish Group Whole Life Insurance - Number of Active Policies (Thousand), 2009-2013
Table 74: Finnish Group Whole Life Insurance - Number of Active Policies (Thousand), 2013-2018
Table 75: Finnish Group Whole Life Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 76: Finnish Group Whole Life Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 77: Finnish Group Superannuation Insurance - Number of Active Policies (Thousand), 2009-2013
Table 78: Finnish Group Superannuation Insurance - Number of Active Policies (Thousand), 2013-2018
Table 79: Finnish Group Superannuation Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 80: Finnish Group Superannuation Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 81: Finnish Other Group Life Insurance - Number of Active Policies (Thousand), 2009-2013
Table 82: Finnish Other Group Life Insurance - Number of Active Policies (Thousand), 2013-2018
Table 83: Finnish Other Group Life Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 84: Finnish Other Group Life Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 85: Finnish Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 86: Finnish Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 87: Finnish Individual Single-Premium Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 88: Finnish Individual Single-Premium Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 89: Finnish Individual Single-Premium Insurance - Direct Written Premium (EUR Billion), 2009-2013
Table 90: Finnish Individual Single-Premium Insurance - Direct Written Premium (EUR Billion), 2013-2018
Table 91: Finnish Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 92: Finnish Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 93: Finnish Individual Non-Single-Premium Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 94: Finnish Individual Non-Single-Premium Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 95: Finnish Individual Non-Single-Premium Insurance - Direct Written Premium (EUR Billion), 2009-2013
Table 96: Finnish Individual Non-Single-Premium Insurance - Direct Written Premium (EUR Billion), 2013-2018
Table 97: Finnish Group Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 98: Finnish Group Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 99: Finnish Group Single-Premium Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 100: Finnish Group Single-Premium Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 101: Finnish Group Single-Premium Insurance - Direct Written Premium (EUR Billion), 2009-2013
Table 102: Finnish Group Single-Premium Insurance - Direct Written Premium (EUR Billion), 2013-2018
Table 103: Finnish Group Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 104: Finnish Group Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 105: Finnish Group Non-Single-Premium Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 106: Finnish Group Non-Single-Premium Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 107: Finnish Group Non-Single-Premium Insurance - Direct Written Premium (EUR Million), 2009-2013
Table 108: Finnish Group Non-Single-Premium Insurance - Direct Written Premium (EUR Million), 2013-2018
Table 109: Finnish Linked Insurance Business - Number of Active Policies (Thousand), 2009-2013
Table 110: Finnish Linked Insurance Business - Number of Active Policies (Thousand), 2013-2018
Table 111: Finnish Linked Insurance Business - Gross Written Premium (EUR Billion), 2009-2013
Table 112: Finnish Linked Insurance Business - Gross Written Premium (EUR Billion), 2013-2018
Table 113: Finnish Linked Insurance Business - Direct Written Premium (EUR Billion), 2009-2013
Table 114: Finnish Linked Insurance Business - Direct Written Premium (EUR Billion), 2013-2018
Table 115: Finnish Non-Linked Insurance Business - Number of Active Policies (Thousand), 2009-2013
Table 116: Finnish Non-Linked Insurance Business - Number of Active Policies (Thousand), 2013-2018
Table 117: Finnish Non-Linked Insurance Business - Gross Written Premium (EUR Billion), 2009-2013
Table 118: Finnish Non-Linked Insurance Business - Gross Written Premium (EUR Billion), 2013-2018
Table 119: Finnish Non-Linked Insurance Business - Direct Written Premium (EUR Billion), 2009-2013
Table 120: Finnish Non-Linked Insurance Business - Direct Written Premium (EUR Billion), 2013-2018
Table 121: Finnish Life Insurance - Direct Marketing Commission Paid (EUR Million), 2009-2013
Table 122: Finnish Life Insurance - Direct Marketing Commission Paid (EUR Million), 2013-2018
Table 123: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 124: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Table 125: Finnish Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2009-2013
Table 126: Finnish Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2013-2018
Table 127: Finnish Life Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 128: Finnish Life Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 129: Finnish Life Insurance - Bancassurance Commission Paid (EUR Million), 2009-2013
Table 130: Finnish Life Insurance - Bancassurance Commission Paid (EUR Million), 2013-2018
Table 131: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 132: Finnish Life Insurance - New Business Gross Written Premium (EUR million), 2013-2018
Table 133: Finnish Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2009-2013
Table 134: Finnish Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2013-2018
Table 135: Finnish Life Insurance - Number of Bancassurance Distributors, 2009-2013
Table 136: Finnish Life Insurance - Number of Bancassurance Distributors, 2013-2018
Table 137: Finnish Life Insurance - Commission Paid to Agencies (EUR Million), 2009-2013
Table 138: Finnish Life Insurance - Commission Paid to Agencies (EUR Million), 2013-2018
Table 139: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 140: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Table 141: Finnish Life Insurance - New Policies Sold Through Agencies (Thousand), 2009-2013
Table 142: Finnish Life Insurance - New Policies Sold Through Agencies (Thousand), 2013-2018
Table 143: Finnish Life Insurance - Number of Agencies, 2009-2013
Table 144: Finnish Life Insurance - Number of Agencies, 2013-2018
Table 145: Finnish Life Insurance - E-Commerce Commission Paid (EUR Million), 2009-2013
Table 146: Finnish Life Insurance - E-Commerce Commission Paid (EUR Million), 2013-2018
Table 147: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 148: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Table 149: Finnish Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2009-2013
Table 150: Finnish Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2013-2018
Table 151: Finnish Life Insurance - Number of E-Commerce Distributors, 2009-2013
Table 152: Finnish Life Insurance - Number of E-Commerce Distributors, 2013-2018
Table 153: Finnish Life Insurance - Commission Paid to Brokers (EUR Million), 2009-2013
Table 154: Finnish Life Insurance - Commission Paid to Brokers (EUR Million), 2013-2018
Table 155: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 156: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Table 157: Finnish Life Insurance - New Policies Sold Through Brokers (Thousand), 2009-2013
Table 158: Finnish Life Insurance - New Policies Sold Through Brokers (Thousand), 2013-2018
Table 159: Finnish Life Insurance - Number of Brokers, 2009-2013
Table 160: Finnish Life Insurance - Number of Brokers, 2013-2018
Table 161: Finnish Life Insurance - Commission Paid to Other Channels (EUR Million), 2009-2013
Table 162: Finnish Life Insurance - Commission Paid to Other Channels (EUR Million), 2013-2018
Table 163: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 164: Finnish Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Table 165: Finnish Life Insurance - New Policies Sold Through Other Channels (Thousand), 2009-2013
Table 166: Finnish Life Insurance - New Policies Sold Through Other Channels (Thousand), 2013-2018
Table 167: Finnish Life Insurance - Number of Distributors in Other Channels, 2009-2013
Table 168: Finnish Life Insurance - Number of Distributors in Other Channels, 2013-2018
Table 169: Finland - Life Insurance Regulatory Framework
Table 170: Finland - Property Insurance Regulatory Framework
Table 171: Finland - Motor Insurance Regulatory Framework
Table 172: Finland - Minimum Coverage for Aircraft Third-Party Liability Per Accident and Aircraft
Table 173: Finland - Minimum Capital Requirements
Table 174: Finland - Insurance Premium Taxation
Table 175: Finland - Corporate Tax Rates for the Financial Year 2013
Table 176: Finnish Life Insurance - Segment Shares (%), 2013
Table 177: Varma Mutual Pension Insurance Company, Key Facts
Table 178: Varma Mutual Pension Insurance Company, Key Financials (EUR Million), 2009-2013
Table 179: Ilmarinen Mutual Pension Insurance Company, Key Facts
Table 180: Ilmarinen Mutual Pension Insurance Company, Key Financials (EUR Million), 2009-2013
Table 181: Nordea Life Assurance Finland Ltd, Key Facts
Table 182: Nordea Life Assurance Finland Ltd, Key Financials (EUR Million), 2009-2013
Table 183: LocalTapiola Mutual Pension Insurance Company, Key Facts
Table 184: LocalTapiola Mutual Pension Insurance Co., Key Financials (EUR Million), 2009-2013
Table 185: Fennia Mutual Pension Insurance Company, Key Facts
Table 186: Fennia Mutual Pension Insurance Company, Key Financials (EUR Million), 2009-2013
Table 187: OP Life Assurance Company Ltd, Key Facts
Table 188: OP Life Assurance Company Ltd, Key Financials (EUR Million), 2009-2013
Table 189: Mandatum Life Insurance Company Ltd, Key Facts
Table 190: Mandatum Life Insurance Company Ltd, Key Financials (EUR Million), 2009-2013
Table 191: Etera Mutual Pension Insurance Company, Key Facts
Table 192: Etera Mutual Pension Insurance Company, Key Financials (EUR Million), 2009-2013
Table 193: Veritas Pension Insurance Company Ltd, Key Facts
Table 194: Veritas Pension Insurance Company Ltd, Key Financials (EUR Million), 2009-2013
Table 195: LocalTapiola Mutual Life Insurance Company, Key Facts
Table 196: LocalTapiola Mutual Life Insurance Company, Key Financials (EUR Million), 2009-2013

List of Figures
Figure 1: Finnish Insurance - Gross Written Premium by Segment (EUR Billion), 2009-2018
Figure 2: Finnish Insurance - Dynamics by Segment, Gross Written Premium (2009-2018)
Figure 3: Finnish Insurance - Direct Written Premium by Segment (EUR Billion), 2009-2018
Figure 4: Finnish Insurance - Dynamics by Segment, Direct Written premium (2009-2018)
Figure 5: Finnish Life Insurance - Number of Active Policies and Gross Written Premium (Percentage Share), 2013
Figure 6: Unemployment Rate (%), 2009-2013
Figure 7: Rural and Urban Populations (%), 2009-2013
Figure 8: Finnish Population Distribution by Age Group (%), 2009-2013
Figure 9: Finnish Life Insurance - Gross Written Premium by Category (EUR Billion), 2009-2018
Figure 10: Finnish Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 11: Finnish Life Insurance - Dynamics by Category, 2009-2018
Figure 12: Finnish Life Insurance - New Business Written Premium (EUR Billion), 2009-2013
Figure 13: Finnish Life Insurance - New Business Written Premium (EUR Billion), 2013-2018
Figure 14: Finnish Life Insurance - Earned Premium (EUR Billion), 2009-2013
Figure 15: Finnish Life Insurance - Earned Premium (EUR Billion), 2013-2018
Figure 16: Finnish Life Insurance - Sum Assured (EUR Billion), 2009-2013
Figure 17: Finnish Life Insurance - Sum Assured (EUR Billion), 2013-2018
Figure 18: Finnish Life Insurance - Paid Claims (EUR Billion), 2009-2013
Figure 19: Finnish Life Insurance - Paid Claims (EUR Billion), 2013-2018
Figure 20: Finnish Life Insurance - Incurred Loss (EUR Billion), 2009-2013
Figure 21: Finnish Life Insurance - Incurred Loss (EUR Billion), 2013-2018
Figure 22: Finnish Life Insurance - Loss Ratio (%), 2009-2013
Figure 23: Finnish Life Insurance - Loss Ratio (%), 2013-2018
Figure 24: Finnish Life Insurance - Commissions and Expenses (EUR Billion), 2009-2013
Figure 25: Finnish Life Insurance - Commissions and Expenses (EUR Billion), 2013-2018
Figure 26: Finnish Life Insurance - Combined Ratio (%), 2009-2013
Figure 27: Finnish Life Insurance - Combined Ratio (%), 2013-2018
Figure 28: Finnish Life Insurance - Fraud and Crimes (EUR Billion), 2009-2013
Figure 29: Finnish Life Insurance - Fraud and Crimes (EUR Billion), 2013-2018
Figure 30: Finnish Life Insurance - Total Assets (EUR Billion), 2009-2013
Figure 31: Finnish Life Insurance - Total Assets (EUR Billion), 2013-2018
Figure 32: Finnish Life Insurance - Total Investment Income (EUR Billion), 2009-2013
Figure 33: Finnish Life Insurance - Total Investment Income (EUR Billion), 2013-2018
Figure 34: Finnish Life Insurance - Retentions (EUR Billion), 2009-2013
Figure 35: Finnish Life Insurance - Retentions (EUR Billion), 2013-2018
Figure 36: Finnish Life Insurance - Investment Portfolio (EUR Billion), 2009-2013
Figure 37: Finnish Life Insurance - Investment Portfolio, 2009 and 2013
Figure 38: Finnish Life Insurance - Penetration (%), 2009-2013
Figure 39: Finnish Life Insurance - Density (Number of Policies per Capita), 2009-2013
Figure 40: Finnish Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 41: Finnish Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 42: Finnish Life Insurance - Number of New Policies Sold (Thousand), 2009-2013
Figure 43: Finnish Life Insurance - Number of New Policies Sold (Thousand), 2013-2018
Figure 44: Finnish Life Insurance - Premium per Capita (EUR), 2009-2013
Figure 45: Finnish Individual Life Insurance - Gross Written Premium by Category (EUR Billion), 2009-2018
Figure 46: Finnish Individual Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 47: Finnish Individual Life Insurance - Dynamics by Category, 2009-2018
Figure 48: Finnish Individual Life Insurance - Direct Written Premium by Category (EUR Billion), 2009-2018
Figure 49: Finnish Individual Life Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 50: Finnish Individual Life Insurance - Dynamics by Category, 2009-2018
Figure 51: Finnish Individual Life Insurance - Policies by Category (Thousand), 2009-2018
Figure 52: Finnish Individual Life Insurance - Policies by Category (Percentage Share), 2013 and 2018
Figure 53: Finnish Individual Life Insurance - Dynamics by Category, 2009-2018
Figure 54: Finnish Individual Pension Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 55: Finnish Individual Pension Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 56: Finnish Individual Pension Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 57: Finnish Individual Pension Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 58: Finnish Individual Endowment Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 59: Finnish Individual Endowment Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 60: Finnish Individual Endowment Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 61: Finnish Individual Endowment Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 62: Finnish Other Individual Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 63: Finnish Other Individual Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 64: Finnish Other Individual Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 65: Finnish Other Individual Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 66: Finnish Group Life Insurance - Gross Written Premium by Category (EUR Billion), 2009-2018
Figure 67: Finnish Group Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 68: Finnish Group Life Insurance - Dynamics by Category, 2009-2018
Figure 69: Finnish Group Life Insurance - Direct Written Premium by Category (EUR Billion), 2009-2018
Figure 70: Finnish Group Life Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 71: Finnish Group Life Insurance - Dynamics by Category, 2009-2018
Figure 72: Finnish Group Life Insurance - Policies by Category (Thousand), 2009-2018
Figure 73: Finnish Group Life Insurance - Policies by Category (Percentage Share), 2013 and 2018
Figure 74: Finnish Group Life Insurance - Dynamics by Category, 2009-2018
Figure 75: Finnish Group Whole Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 76: Finnish Group Whole Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 77: Finnish Group Whole Life Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 78: Finnish Group Whole Life Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 79: Finnish Group Superannuation Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 80: Finnish Group Superannuation Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 81: Finnish Group Superannuation Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 82: Finnish Group Superannuation Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 83: Finnish Other Group Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 84: Finnish Other Group Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 85: Finnish Other Group Life Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 86: Finnish Other Group Life Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 87: Finnish Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 88: Finnish Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 89: Finnish Individual Single-Premium Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 90: Finnish Individual Single-Premium Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 91: Finnish Individual Single-Premium Insurance - Direct Written Premium (EUR Billion), 2009-2013
Figure 92: Finnish Individual Single-Premium Insurance - Direct Written Premium (EUR Billion), 2013-2018
Figure 93: Finnish Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 94: Finnish Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 95: Finnish Individual Non-Single-Premium Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 96: Finnish Individual Non-Single-Premium Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 97: Finnish Individual Non-Single-Premium Insurance - Direct Written Premium (EUR Billion), 2009-2013
Figure 98: Finnish Individual Non-Single-Premium Insurance - Direct Written Premium (EUR Billion), 2013-2018
Figure 99: Finnish Group Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 100: Finnish Group Single-Premium Insurance - Numbe

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- Varma Mutual Pension Insurance Company
- Ilmarinen Mutual Pension Insurance Company
- Nordea Life Assurance Finland Ltd
- LocalTapiola Mutual Pension Insurance Company
- Fennia Mutual Pension Insurance Company
- OP Life Assurance Company Ltd

Note: Product cover images may vary from those shown
4 of 4
Note: Product cover images may vary from those shown

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