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Life, Pension, Health & Disability Insurance Industry - Global Strategic Business Report Product Image

Life, Pension, Health & Disability Insurance Industry - Global Strategic Business Report

  • Published: March 2008
  • Region: Global
  • 782 Pages
  • Global Industry Analysts, Inc

The Life, Pension, Health & Disability Insurance Industry Report provides insightful analysis, market overview, structure and outlook of the global and regional markets. Richly laden with qualitative and quantitative analysis, the report provides the reader with an exhaustive preface to global and regional life, pension, health & disability insurance industries. A synopsized discussion offers preludes to regional life, pension, health & disability insurance markets such as the United States, Canada, Japan, Europe (France, Germany, Italy, UK, Spain, Russia, Rest of Europe), select countries of Asia-Pacific, Middle East & Africa, and Latin America. The closely summarized market report is designed to offer a macro level picture of the trends, market structure/basics, recent mergers & acquisitions, strategic corporate developments, and product launches witnessed by the industry. Also provided is a compilation of recent past/ historical perspective of the industry, and strategic corporate developments within it. The report examines the leading companies’ footing in the industry at global and regional level, along with their annual written premiums. Global key and READ MORE >

1. Market Buzz LH-1
Renewed ‘Life’ in the Market LH-1
Golden Era -Yet to Come! LH-1
Bright Stars LH-1
International Growth - A High Priority factor LH-1
Declining Tax Benefits Shifting Base from Variable Annuities
to Mutual Funds LH-2
Rising Healthcare Costs Prop Health Insurance Volumes LH-2
Reforming Global Health Care Industry - Opportunities Abound
for Insurance LH-2
Prospects LH-3
New Products LH-3

2. Number Maze LH-4
Leading Merger Deals - 2005 LH-4
Table 1: Global Insurance Industry (2005): Leading Insurance
Deals By Deal Value in US$ Billion LH-4
Competitive Landscape LH-4
Table 2: World Life and Health Insurance industry (2005):
Leading Public Companies by Assets in US$ Billion (includes
corresponding Graph/Chart) LH-4

3. Life Insurance & Pensions - An Overview LH-5
Life Insurance Penetration LH-5
Advantages of Life Insurance LH-5
Key Segments LH-5
Term Life Insurance LH-5
Non-Guaranteed Term Life Insurance LH-5
Yearly Renewable Term Life Insurance LH-6
Convertible Term Life Insurance LH-6
Permanent Life Insurance LH-6
Whole Life or Ordinary Life Insurance LH-6
Universal Life Insurance LH-6
Variable Life Insurance LH-6
Variable Universal Life Insurance LH-7
Group Life Insurance LH-7
Annuity LH-7
Fixed Annuities LH-7
Variable Annuities LH-7
Straight Life Annuity LH-7
Joint and Survivor Annuity LH-7
Special Types of Life Insurance LH-7
Family Insurance LH-7
Senior Life Insurance LH-7
Juvenile Insurance LH-8
Credit Life Insurance LH-8
Mortgage Insurance LH-8
Key Terminology LH-8
Beneficiary LH-8
Cash Surrender Value LH-8
Dividend LH-8
Face Amount LH-8
Accelerated Death Benefit LH-8
Repercussions of the 9/11 Attack LH-8
Life Insurers: Dividing the Risk LH-8
Reinsurers Withdraw Catastrophe Coverage for Group Life LH-9
New Prerequisites for Group Life Underwriting LH-9
Small Life Insurance Firms on the Verge of Extinction LH-9
Life and Pensions - The Narrowing Line of Distinction LH-9
Types of Pension Funds LH-10
Ordinary or Collective Pension Funds LH-10
Internal Pension Funds LH-10
Open-End Pension Funds LH-10
Promoters Vary According to the Type of Pension Fund LH-10
Pension Fund Management LH-10
Important Features Required for Successfully Competing in PF
Field LH-11
PF and Life Insurance - A Competitive Analysis LH-12

4. Health & Disability Insurance - An Overview LH-13
Health Insurance LH-13
Players in the Health Insurance Market LH-13
Types of Health Insurance Schemes LH-13
Health Insurance for Home-Business Owners LH-13
Buying Health Insurance LH-14
Golden Rules for Cost Cutting LH-14
Disability Insurance LH-16
Why Disability Insurance? LH-16
Broad Types of Disability Insurance LH-17
Conditional Renewable Policy LH-17
Non-Cancelable Policy LH-17
Guaranteed Renewable Policy LH-17
Plans Based on the Kind of Disability LH-17
Own-Occupation Disability LH-17
Income Replacement LH-17
Gainful Occupation LH-17
Types of Disability Policies Based on Term LH-18
Short-Term Income Protection Plans LH-18
Long-Term Income Protection Plans LH-18
Special Categories LH-18
Exceptional Student-Athlete Disability Insurance LH-18
The Physician’s Disability Insurance Market LH-18
Types of Disability Benefits LH-19
Employer-Paid Disability Benefits LH-19
Social Security Disability Benefits LH-19
Individual Disability Income Insurance Policies LH-19
Disability Insurance for Home-Business Owners LH-19
Social Security Disability LH-19
Consumer Preferences LH-20
Managed Disability LH-20
Integrated Disability LH-20
Alternatives to Disability Insurance LH-20
Association Coverage LH-20
Long-Term Care Coverage LH-20
Workers’ Compensation LH-20
Business Overhead Expense Insurance LH-20
Disability Buy-Out Insurance LH-21
Key Trends/Issues in the Sector LH-21
Determining Rates LH-21
Consolidation Wave Surges Ahead LH-21
Rise of Mental Health Issues LH-21
Reduction in Policy Limits LH-21
Impact of Terrorism LH-21
Contrasting Views LH-22
Small Case Market - Less Profitable? LH-22
Awareness of Products is the Key LH-23
Rise in Prices Fuels Cost Cutting LH-23
A Perspective of Distribution Trends LH-23
Profitable Relationships the Key LH-23
Internet as a Distribution Channel LH-23
Role of Brokers and Sales Representatives LH-24
Top Sales Representatives - Revenue Generators LH-24
Brokers - The Perennial Force LH-24
Worksite Marketing LH-25
Positioning of Disability Insurance LH-25
Voluntary Products - Boon or Bane LH-25

5. Regional Perspective LH-26
Snapshots of Life Insurance Market LH-26

5a. United States LH-27
Life Insurance - Good Going LH-27
Table 3: US Recent Past, Current & Future Analysis for Life
Insurance: Direct Premiums Written in US$ Billion for the
Years 2006 through 2010 (includes corresponding Graph/Chart) LH-27

Table 4: The US Life Insurance Industry: Per Capita Premium
in US$, and Penetration of Insurance for 2006 LH-27

Table 5: US Life/Health Insurance Market (2006 & 2007):
Percentage Breakdown of Direct Premiums by Category for
Annuities, Life Insurance, and Accident & Health Insurance
(includes corresponding Graph/Chart) LH-28

Table 6: US Life/Health Insurance Market (2005 & 2006):
Financial Asset Distribution of Insurers in US$ Billion by
Category - Credit Market Instruments (Corporate and Foreign
Bonds, U.S. Government Securities, Mortgages and Other
Instruments), Corporate Equities, Money Market Fund Shares
and Miscellaneous (includes corresponding Graph/Chart) LH-28

Table 7: US Life/Health Insurance Market (2005 & 2006):
Percentage Breakdown of Financial Asset Distribution of
Insurers (includes corresponding Graph/Chart) LH-29

Table 8: US Life/Health Insurance Industry (2006 & 2007):
Percentage Breakdown of Investments by Category - Bonds,
Mortgage Loans on Real Estate, Stocks, Contract Loans, Cash,
Cash Equivalent and Short-Term Investments, Real Estate and
Other Investment (includes corresponding Graph/Chart) LH-29

Table 9: US Recent Past, Current & Future Analysis for
Individual Annuity Industry by Segment - Fixed and Variable
Annuity Markets Independently Analyzed with Premiums in US$
Billion for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-30
A Surging Life Insurance Market LH-30
Health and Managed Care - Looking Up to 2007 LH-30
Key Snapshots of Recent Past LH-30
Life Industry to Keep Afloat Amid Stringent Regulations LH-32
Life Insurance to Grow LH-32
Group Life Insurance Market: Gearing ‘Up’ Risk Profiles LH-32
Table 10: Leading Players in the US Life/Health Insurance
Market (2006): Market Revenues in US$ Billion by Company for
MetLife, Prudential Financial, New York Life Insurance,
TIAA-CREF, Massachusetts Mutual Life Insurance, Northwestern
Mutual, AFLAC, Genworth Financial, Unum Group and Principal
Financial (includes corresponding Graph/Chart) LH-33

Table 11: US Individual Term Life Insurance Market (2006):
Leading Players by Number of Policies Issued (In Thousands) -
State Farm, American International, Citigroup, Direct General
Group, Liberty National, Genworth Financial Group, American
Family Corp., Protective Life Insurance, Old Mutual, and
Northwestern Mutual (includes corresponding Graph/Chart) LH-34

Table 12: US Individual Whole Life And Endowment Insurance
Market (2006): Leading Players by Number of Policies Issued
(In Thousands) - Liberty National, Gerber Life Insurance
Company, American International, State Farm, UnumProvident
Life, AEGON USA Incorporated, Mutual of Omaha, Metropolitan
Group, New York Life, Unitrin Group, American Family Corp.,
Northwestern Mutual, Allstate Insurance, Conseco, and Zurich
Insurance Group (includes corresponding Graph/Chart) LH-34

Table 13: US Group Life Insurance Industry (2005 & 2006):
Premiums in US$ Million for Select Companies - AIG, Hartford
Life, Met Life, Prudential, Sun Life Financial, and Unum
Provident (includes corresponding Graph/Chart) LH-35

Table 14: US Group Life Insurance Industry (2005): In Force
Premiums in US$ Billion for Select Companies - Aetna Inc, AIG
Life, Cigna, Hartford, Health Care Service, ING USA,
Jefferson-Pilot, Metropolitan Life & Affiliated, NY Life,
Prudential of America, Reliance Standard, Securian Finl
Group, Standard Ins, Sun Life, and UnumProvident (includes
corresponding Graph/Chart) LH-36

Table 15: US Individual Life Insurance Industry (2005 &
2006): Premiums in US$ Million for Select Companies - AIG,
Ameriprise Financial, Genworth Financial, Hartford Life,
Lincoln National, Met Life, Manulife, Nationwide Financial,
Prudential, and Sun Life (includes corresponding Graph/Chart) LH-37

Table 16: Leading Players in US Individual Life Insurance
Industry (2006): Percentage Market Share by Company - AIG,
Ameriprise Financial, Genworth Financial, Hartford Life,
Lincoln National, Manulife, Met Life, Nationwide Financial,
Principal Financial Group, Protective Life, Prudential, Sun
Life, and Others(includes corresponding Graph/Chart) LH-37

Table 17: US Individual Life Insurance Industry (2006):
Percentage Breakdown of Sales by Distribution Channel -
Stockbrokers and Financial Institutions, Personal- Producing
General Agents & Brokers, Direct Response, and
Affiliated(includes corresponding Graph/Chart) LH-38
Health Conscious Drives More Business in Healthcare Insurance
Sector LH-38
Online Insurance Companies Go All Out to Convince Americans to
Insure their Health LH-39
Rising Insurance Costs Pin down Health Insurance Levels LH-39
Compulsory Coverage for Children - It’s A State Affair LH-39
Employers Offering Integrated Healthcare schemes for Improving
Productivity LH-39
Reinsurance: The ‘Life’ of ‘Life’ LH-39
Table 18: US Life Insurance Industry (2004): Gross Premium
Written (GPW) in US$ Billion by Leading Reinsurance Companies
for General Re, Swiss Re USA, XL Reinsurance America,
American Re, Everest Reins. Company, Transatlantic Re,
Employers Re, Odyssey Re America, Berkley Insurance Co.,
Folksamerica and Others (includes corresponding Graph/Chart) LH-40
Health Insurance Companies Venture into the Expanding
Individual Health Insurance Market LH-40
Life/Health Insurance Companies in Transition Mode LH-41
The Blues Turning Pale Due to Rising Mediclaim Costs LH-41
Reforms On Cards LH-41
Retirement Market Opens New Opportunities LH-42
Variable Annuity Market Faces Key Challenges LH-43
Attractiveness of Other Markets for Foreign Life Insurers LH-43
Demographic Forces Shaping Life Insurance Business in 2006 LH-43
Market Overview LH-44
Sector Representation & Market Size LH-44
Regulatory Overview LH-44
Proposition 103 Keeps Insurance Rates in Check LH-44
US Life Insurance Companies on to Securitization LH-44
US - The Global Leader LH-45
Mature Life Market LH-45
Favorable Life Products in the US LH-46
Long-term care coverage LH-46
Supplemental Health Coverages LH-46
The New Disability Policies LH-46
Variable Annuities LH-46
Sale of Variable Annuities on the Rise LH-46
Table 19: US Variable Annuity Industry (2006): Sales of
Variable Annuities in US$ Billion by Leading Players LH-47

Table 20: US Insurance Industry: Net Assets of Variable
Annuities in US$ Billion for the Years 2005, 2006 and 2007
(includes corresponding Graph/Chart) LH-47

Table 21: US Insurance Industry (2006 & 2007): Percentage
Breakdown of Variable Annuity Sales by Distribution
Channels - Independent NASD Firms, Captive Agents,
Banks/Credit Unions, New York Wirehouses, Regional
Investment Firms and Direct Response (includes
corresponding Graph/Chart) LH-48

Table 22: US Equity Index Annuities Market (2006 & 2007):
Percentage Market Share of Total Sales by Company - Allianz
Life, AVIVA, ING, Old Mutual, Midland National Life,
American Equity, Equitrust, Jackson National Life,
Jefferson-Pilot, Sun Life and Others (includes
corresponding Graph/Chart) LH-48
Whole Life Or Term? - The Question of Insuring Life LH-49
Table 23: US Life Insurance Industry (2003 & 2004):
Percentage Value Breakdown of Life Insurance Product Sales by
Universal Life, Whole Life, Variable Universal Life, Level
Premium Term, Variable Life, Annual Renewable Term and Other
Term (includes corresponding Graph/Chart) LH-49
Life Cycle of Life Insurance Products LH-50
First Stage LH-50
Second Stage LH-50
Third Stage LH-50
Fourth Stage LH-50
Fifth Stage LH-50
Universal Life Products Market LH-50
Group Universal Life Insurance in the US LH-51
Ordinary Life Insurance Policies LH-51
Variable Life Insurance LH-51
Hard Times Lie Ahead LH-51
Reasons for Low Sales of VL LH-51
Mutual Life Insurance - A Past Perspective LH-52
Healthy Growth for Separate-Account LH-52
Good Run Comes to an End LH-52
Demutualization Shrinks Market LH-52
Sales of Single Premium Life on the Rise LH-52
Banks’ Premium Sales On a Declining Spree LH-53
Term Life Insurance Rates to Decline LH-53
Premium Rates on Southward Journey LH-53
Graying Baby Boomers Offer Brighter Opportunities LH-54
Unprecedented Shift in the US Population LH-54
Table 24: Reversal of the Demographic Balance in the US:
1970-2020e (Millions) (includes corresponding Graph/Chart) LH-55
Senior Citizen Population in the US LH-55
Table 25: Financial Products Ownership by Senior Citizens LH-56

Table 26: Financial Products Ownership by Senior Citizens LH-56
Cell-Phone Related Health Risk - Insurers and Policyholders
Cross Swords LH-56
Restructuring of Life Market LH-57
Life Insurers Collect Fee Income LH-57
Terror Strikes Lives LH-58
Affect of AIDS LH-58
Working Women: A Potential Market LH-58
Disputes in the Life Insurance Industry LH-58
Distribution Systems in Life Insurance LH-59
Distribution Pattern of the US Life Insurance Sector - A Glance LH-59
Changing Face of Distribution LH-60
Table 27: US Insurance Industry (2006 & 2007): Percentage
Breakdown of Sales of Individual Annuities by Distribution
Channels - Career Agents, Financial Planners/ Independent
Broker-Dealers, Independent Agents, Banks, Stockbrokers,
Direct Response and Others (includes corresponding
Graph/Chart) LH-60

Table 28: US Life Insurance Market (2006): Percentage
Breakdown of Immediate Annuity Sales by Distribution Channel
-Broker/Dealers, Captive Agents, Independent Producers, Banks
& S&Ls, and Others(includes corresponding Graph/Chart) LH-61

Table 29: Principal Distribution Channels by Market Share for
US Life Insurance (2004) (includes corresponding Graph/Chart) LH-61
Customer Needs and Values LH-62
Market and Competitive Dynamics LH-62
Internal Capabilities and Constraints LH-62
Strategy, Goals and Objectives LH-62
Challenges Confronting the Industry LH-62
Regulatory Hurdles LH-63
Drawbacks of the Life Insurance Market LH-63
Factors to Improve Performance LH-63
Tapping the Market with New Products LH-64
Insurance Broker Industry in 2006 and Outlook for 2007 LH-65
Numbers Speak LH-65
Table 30: US Insurance Industry (2006): Indexed Universal
Life Insurance Sales in US$ Million for Select Companies -
AEGON, Allianz Life, AVIVA, Conseco, Lafayette Life, Midland
National life, National Life Group, Old Mutual Financial
Network, and Pacific Life Companies (includes corresponding
Graph/Chart) LH-65

Table 31: US Insurance Industry (2005): Percentage Breakdown
of Equity Indexed Life Insurance Sales for Aegon Companies,
AIG, AmerUs, Allianz, Conseco, Lafayette, LSW/Natl Life Vt,
Midland National, Old Mutual, Pacific Life, and Others
(includes corresponding Graph/Chart) LH-66

Table 32: US Life/Health Insurance Market by Type for 2003:
Net premiums Written (In US$ billion) for Life, Annuity,
Accident & Health, Contract Funds (Deposit-Type), and Others
(includes corresponding Graph/Chart) LH-66

Table 33: Premiums for US Life/Health Insurance Market by
Product Line for 1998 and 2002 (in US$ Billion) (includes
corresponding Graph/Chart) LH-67

Table 34: US Worksite Life Insurance Market in 2003 (*):
Sales ($ Million) of Worksite Life Insurance for Life
Disability, Accident, Critical Illness, Dental, Long-term
Care, Hospital Indemnity, and Others (includes corresponding
Graph/Chart) LH-67

Table 35: Universal Life Sales in the US: 2000-2003 (in $
Million) (includes corresponding Graph/Chart) LH-68

Table 36: Leading Players in the US Universal Life Insurance
Market by Market Share: 2004 (includes corresponding
Graph/Chart) LH-68

Table 37: Leading Players in US Ordinary Life Insurance
Market (2003): Amount Issued in Dollars and % Change (YoY)
for AIG Life Group, Protective Life Corp, Northwestern
Mutual Group, Citigroup, Aegon USA Inc, NY Life Group, State
Farm Group, Metropolitan Life & Affiliated, Genworth Finl
Group, and Prudential of AmericaGroups (includes
corresponding Graph/Chart) LH-69

Table 38: Ordinary Life Insurance Sales in the US by Type of
Insurer: 2000 (In US$ Billion) (includes corresponding
Graph/Chart) LH-69
Leading Players LH-70
Table 39: Leading Players in the US Term Life (In -Force)
Market (2005): Premium Value in US$ Billion for Aegon USA
Inc, Lincoln Natl Corp, ING USA Life Group, Metropolitan Life
& Affiliated Cos, and Swiss Reins Group (includes
corresponding Graph/Chart) LH-70

Table 40: Leading Players in the US Term Life Market (2005):
Value in US$ Billion by Term Life Issued by Company - AIG
Life Group, Genworth Finl Group, Northwestern Mutual Group,
Primerica Group, and State Farm Life Group (includes
corresponding Graph/Chart) LH-70

Table 41: US Life Insurance Market (2005): Premium in US$
Billion for American Life, AKA EquiTable Life, Allianz Life,
American Family Life, Lincoln National Life, Massachusetts
Mutual Life, Metropolitan Life, Northwestern Mutual Life,
Prudential Insurance Co, and United Healthcare
Insurance(includes corresponding Graph/Chart) LH-71

Table 42: US Life Insurance Industry (2003): Gross Written
Premium in US$ Billion by Leading Companies for Metropolitan
Life & Affiliated, AIG, Hartford Life, ING, Prudential of
America, AEGON, Equitable, New York Life, MassMutual
Financial, and Manulife Financial (includes corresponding
Graph/Chart) LH-72

Table 43: US Life Insurance Industry (2003 & 2004):
Percentage Value Breakdown of Retail Life Insurance Sales by
Leading Companies for New York Life, Northwestern Mutual,
AIG-American General, John Hancock/ManuLife Financial, ING
Life Companies - U.S., Aegon USA, Pacific Life, MetLife
Companies, State Farm Life, AXA Financial/MONY and Others
(includes corresponding Graph/Chart) LH-73

Table 44: Leading Players in US Life Insurance Market (2002 &
2003): Individual Life Premiums (In $000) and % Change (YoY)
for Northwestern Mutual Life Insurance Co., American Life
Insurance Co., Prudential Insurance Co. of America,
Metropolitan Life Insurance Co., New York Life Insurance Co.,
Massachusetts Mutual Life Insurance Co., State Farm Life
Insurance Co., EquiTable Life Assur. Society of the US,
Guardian Life Insurance Co. of America, and Swiss Re Life &
Health America, Inc. (includes corresponding Graph/Chart) LH-74

Table 45: Leading Players in US Life Insurance Market (2002 &
2003): Group Life Premiums (In $000) and % Change (YoY) for
Metropolitan Life Insurance Co., Prudential Insurance Co. of
America, Massachusetts Mutual Life Insurance Co., Aetna Life
Insurance Co., Connecticut General Life Insurance, Minnesota
Mutual Life Insurance Co., UNUM Life Insurance Co. of
America, New York Life Insurance Co., Hartford Life &
Accident Insurance, and Life Insurance Co. of North America
(includes corresponding Graph/Chart) LH-75

Table 46: Leading Players in the US Individual Term Life
Insurance Market by Percentage Market Share for 2003(includes
corresponding Graph/Chart) LH-75

Table 47: Leading Players in the US Credit Life Insurance
Market (2005): Premiums in US$ Billion for Aegon USA Inc, AIG
Life Group, Amer Natl Group, Assurant, Citi Assur Svcs Group,
Cuna Mutual Group, HSBC Ins Group, Life of the South Group,
Protective Life Corp, and Securian Finl Group(includes
corresponding Graph/Chart) LH-76

Table 48: Leading Players in US Credit Life Insurance Market
(2003): Insurance in Force for Cuna Mutual Group, Assurant,
AIG Life Group, Household Ins Group, Citigroup, Protective
Life Corp, Metropolitan Life & Affiliated, Combined A&H
Group, Aegon USA Inc, and MN Mutual Groups (includes
corresponding Graph/Chart) LH-77

Table 49: Leading Players in US Insurance Market (2002 &
2003): Individual Annuity Premiums (In US $Million) and %
Change (YoY) for Hartford Life & Annuity Insurance Co.,
Allianz Life Ins. Co. of North America, Metropolitan Life
Insurance Co., Pacific Life Insurance Co., Teachers Ins. &
Annuity Assoc. of America, Hartford Life Insurance Co.,
Jackson National Life Insurance Co., Transamerica Life Ins.
Co., Allstate Life Insurance Co., and Lincoln National Life
Insurance Co. (includes corresponding Graph/Chart) LH-78

Table 50: Leading Players in US Life Insurance Market (2001 &
2002): New Life Insurance Premiums (In US$ million) Sold
through Banks - Liberty Life, Aegon, Allstate Financial, CGU
Life, Nationwide, Golden Rule, First Penn-Pacific, Hartford,
CUNA Mutual, and AXA (includes corresponding Graph/Chart) LH-79
401(K)/Retirement PLANS - Pension Products Take the Center Stage LH-79
Market Perspective LH-79
Variable Annuity LH-79
Market Overview LH-79
Table 51: Sales of Variable Annuity: 1997- 2003 (includes
corresponding Graph/Chart) LH-80

Table 52: US Life Insurance Market (2005): Percentage
Breakdown of Variable Annuity Sales for AIG/SunAmerica/
VALIC, Axa Financial/MONY, TIAA-CREF, Hartford Life, ING
Group, John Hancock Life, Lincoln National Life, MetLife,
Pacific Life, Pru/American Skandia, and Others(includes
corresponding Graph/Chart) LH-80

Table 53: US Life Insurance Market (2006): Percentage
Breakdown of Variable Annutiy Sales by Distribution Channel
- Bank/Credit Union, Captive Agency, Direct Response,
Independent NASD Firms, New York Wire Houses, and Regional
Investment Firms (includes corresponding Graph/Chart) LH-81

Table 54: US Leading Variable Annuity Issuers by New Sales
in US$ Billion: 2003 (includes corresponding Graph/Chart) LH-81
Resurgence Through Consolidation and Diversification LH-81
Potential Base Innovations LH-82
The Plans ‘n’ the Benefits LH-82
Annuities: ‘Variable’ Performances LH-83
Bonus Annuities Make Rapid Inroads LH-83
Wrap Programs LH-83
Distribution of VA - Refocus for the Better LH-83
Table 55: Key Distribution Channels for Variable Annuities
in the US in %: 2001, 2000 & 1999 (includes corresponding
Graph/Chart) LH-84
Outlook LH-84
Fixed Annuities LH-85
Table 56: US Life Insurance Industry (2006): Percentage
Breakdown of Fixed Annuity Life Insurance Sales by Leading
Companies - Allianz Life, American Equity, AVIVA, Equitrust,
ING, Jackson National, Jefferson-Pilot, Midland National,
Old Mutual, Sun Life, and Others(includes corresponding
Graph/Chart) LH-85
Drop in Sales of Index Annuity LH-85
Table 57: US Life Insurance Industry (2006): Percentage
Breakdown of Equity Indexed Annuity Sales for Allianz Life,
American Equity, AmerUs Group, EquiTrust, ING, Jackson
National Life, Jefferson-Pilot, Old Mutual, Midland National
Life, Sun Life, and Others (includes corresponding
Graph/Chart) LH-86

Table 58: US Life Insurance Industry (2003 & 2004):
Percentage Value Breakdown of Fixed Annuity Life Insurance
Sales by Leading Companies for AIG, Allianz, Allstate, New
York Life, ING, Old Mutual, Jackson National (Prudential UK),
Genworth Financial, Aegon, and Sun Life (includes
corresponding Graph/Chart) LH-86
Bank Annuities LH-87
Table 59: US Fixed Annuities Market (2006): Sales of Fixed
Annuities Through Banks for Leading Players in US$ Million
(includes corresponding Graph/Chart) LH-87

Table 60: US Variable Annuities Market (2006): Sales of
Variable Annuities Through Banks for Leading Players in US$
Million (includes corresponding Graph/Chart) LH-87

Table 61: Leading Individual Annuity Sellers Through Banks
in the US: 2002 & 2003 (In US$ Billion) (includes
corresponding Graph/Chart) LH-88
Offshore Annuities LH-88
Benefits Galore LH-89
Offshore Variable Life Insurance - Holds Much Promise LH-89
Bar on Direct Solicitation Takes its Toll LH-89
Transparency Takes the Curtains Off LH-89
The Call for ‘Clean Money’ LH-90
Health Insurance - Pegging High Hopes on the Health Care
Industry’s Transformation LH-90
A Troublesome Health Insurance Sector LH-90
An Eye on the Healthcare Sector LH-90
Healthcare Industry - A Backgrounder LH-90
Medical Indemnity - Unto What? LH-90
Nursing Home Liability LH-91
Class Action Lawsuits LH-91
Decisions Facing the Indemnity Companies LH-91
Managed Care Trends LH-92
The Negatives LH-92
Solutions New and Old LH-93
Innovative Approaches LH-93
Integration of Group Medical Benefits and Workers’ Compensation LH-94
Types of Health Insurance Policies LH-94
Medical Expense Plans LH-94
Freedom-Of-Choice Plans LH-94
Preferred Provider Organization (PPO) Plans LH-95
Health Maintenance Organizations (HMOs) LH-95
Changing Relationships of the Insurers and the HMOs LH-95
The HMO - PPO (Preferred Provider Options) Standoff LH-95
Factors Fueling PPO Growth LH-96
The Winner to Be LH-96
Short-Term Health Insurance LH-96
Catastrophic Health Insurance LH-97
Traditional Fee-for-Service Coverage LH-97
Point-of Service (POS) LH-97
COBRA LH-97
Long-Term Health Care in the US LH-98
Expenses of Long Term Care LH-99
Demand for LTC Insurance Likely to Prop Up LH-99
Long-Term Insurance Products in US - A Brief LH-99
LTC-Linked Insurance in US: The Trusted Companion During
Uncertain Times LH-100
LTC Insurance Witnesses Rapid Consolidation and Stricter
Underwriting LH-100
Sources of Funding LH-101
LTC Vs Disability Income LH-101
LTC Insurance VS Other Investments - US Market Scenario LH-101
Division of Long Term Care Insurance by Product LH-102
What are Viatical Settlements? LH-102
Rampant Unfamiliarity LH-102
Market Characteristics LH-102
A Bi-Polar Market LH-102
PPOs Rule the Market LH-103
Individual Health Insurance Market at a Glance LH-103
Group Health Insurance LH-103
Medicaid Spending Trends / Projections LH-103
Table 62: Annual US Medicaid Expenditure Projections: 2001 -
2010 (In US$ Billion) (includes corresponding Graph/Chart) LH-104
Health Reinsurance - A Costly Affair? LH-105
Key Factors Driving Cost Increases LH-105
Coverage Limits LH-105
Self-Insured Sitting Pretty LH-105
Changing Face of the Health Reinsurance LH-106
Viability of Genetic Testing LH-106
Understanding Technology Boosts Insurance Market LH-106
Women and Health Insurance LH-107
Table 63: Health Insurance Coverage by Type for US Women
Aged 18-64: 2001 (includes corresponding Graph/Chart) LH-107

Table 64: Insured Women’s (18-64 Yrs) Healthcare Plans in
the US: 2001 (includes corresponding Graph/Chart) LH-107

Table 65: Demographical Study of Women Lacking Health
Insurance: 2001 (includes corresponding Graph/Chart) LH-108
Number of Women Without Health Insurance on a Rise LH-109
State Childrens Health Insurance Program (SCHIP) LH-109
A Drain on Medicaid Budgets LH-109
Eligibility Parameters LH-109
The Medicare + Care Choice Program LH-110
Health Insurance - A Historic Perspective LH-111
Online Enrolment for Health Benefits on the Rise LH-113
Employer-Sponsored Health Insurance LH-113
Snapshots LH-113
Table 66: Breakdown of Covered Employees in the US by Type
of Coverage & Employer Size: 2001 (In %) (includes
corresponding Graph/Chart) LH-114
Three-Tier Health Plans LH-115
MEDICAID in the US LH-115
Medicare Costs More LH-115
Concerns Over Rising Health Insurance Costs LH-116
Table 67: Factors Contributing to Rising Health-Care Costs:
On a Scale 1 - 10 (includes corresponding Graph/Chart) LH-116

Table 68: Leading Healthcare Plans in the US: 2001 (In
Millions) (includes corresponding Graph/Chart) LH-117
Health Maintenance Organization (HMO) Segment LH-117
Health-Maintenance Organizations in Colorado Report Losses LH-118
HMOs Implement Disease Management Programs LH-118
HMOs Pay More to Hospitals LH-118
Key Trends in the 90s LH-118
Uninsured Americans - A Perspective LH-120
Table 69: Uninsured (Health Insurance) American
Population: 1996 - 2000 (includes corresponding
Graph/Chart) LH-121

Table 70: Uninsured (Health) US Population - Breakdown by
Different Characteristics: 2000 LH-121

Table 71: Children Lacking Health Insurance in the US by
Different Characteristics: 2000 (includes corresponding
Graph/Chart) LH-122
Uninsured Workers in the US LH-123
Challenges Facing Healthcare Insurers LH-123
Overweight Individuals Face Higher Insurance Premiums LH-123
Baby Boom Generation Faces Expensive Healthcare Services &
Inadequate Insurance LH-123
Growing Convergence of Life and Health Sectors LH-123
Table 72: US Life/Health Insurance Industry (2004):
Leading Companies by Revenues in US$ Billion for MetLife,
Prudential Financial, New York Life Insurance, TIAA-CREF,
Mass. Mutual Life Ins., Northwestern Mutual, AFLAC,
UnumProvident, Guardian Life of America, and Principal
Financial (includes corresponding Graph/Chart) LH-124

Table 73: US Life/Health Insurance Industry (2004):
Leading Companies by Assets in US$ Billion for Prudential
Financial, MetLife, TIAA-CREF, New York Life Insurance,
Mass. Mutual Life Ins., Northwestern Mutual, Lincoln
National, Principal Financial, Pacific Life, and AFLAC
(includes corresponding Graph/Chart) LH-124

Table 74: Leading Players in US Life and Health Insurance
Market (2002): Premium Income (In US$ Billion) for
Metropolitan Life Insurance Co., EquiTable Life Assur.
Society of the US, Prudential Insurance Co. of America,
Massachusetts Mutual Life Insurance Co., Hartford Life &
Annuity Insurance Co., Nationwide Life Insurance Co.,
United Healthcare Insurance Co., American Life Insurance
Co., Northwestern Mutual Life Insurance Co., and American
Family Life Assur. Co. Columbus (includes corresponding
Graph/Chart) LH-125

Table 75: US Health Insurance Market (2003 & 2004):
Leading Companies Ranked by Revenues (In US$ billion) for
UnitedHealth Group Inc., WellPoint Health Networks Inc.,
CIGNA Corp., Aetna Inc., and Anthem Inc. (includes
corresponding Graph/Chart) LH-125

Table 76: Leading Players in US Health Insurance Market
(2002): Group Accident and Health Insurance Premiums for
United Healthcare Insurance Co., Connecticut General Life
Insurance Co, Health Care Svc. Corp., Guardian Life
Insurance Co. of America, Aetna Life Insurance Co.,
Metropolitan Life Insurance Co., Humana Ins. Co.,
Principal Life Insurance Co., Blue Crass & Blue Shield of
Fla., and Anthem Health Plans of Va., Inc. (includes
corresponding Graph/Chart) LH-126
Disability Insurance - Outgrowing the Realms LH-126
Disability Market - Untapped Potential LH-126
A Key Life Segment LH-127
Features of Group Disability Income Programs LH-127
Table 77: Leading Group Disability Insurers in the US
(2006): Premiums in US$ Billion for Aetna, Assurant, Cigna,
Guardian, Hartford Life, Lincoln Financial Group, Metlife,
Standard Insurance, Reliance Standard, and Unumprovident
(includes corresponding Graph/Chart) LH-127

Table 78: Leading Players in the Long Term Disability
Insurance Market: 2003 (includes corresponding Graph/Chart) LH-128

Table 79: Leading Players in the Short Term Disability
Insurance Market: 2003 (includes corresponding Graph/Chart) LH-128
An Artificial Demand? LH-128
Changes in the Disability Market LH-129
Potential of the Disability Insurance Market LH-129
Hard Long-Term Disability Insurance Market LH-130
Limiting Disability Claim Payments LH-131
Individual Disability Insurance Market Makes a Turnaround LH-131
Non-Cancelable Disability Income Insurance LH-131
Mental Disorders - Adding a New Dimension to Disability
Insurance LH-132
The Cause and the Solution LH-132

5b. Canada LH-133
First to Market ‘Life’ Overseas LH-133
M & A and Overseas Sales: Driving the Market LH-133
Highlights LH-133
Disability Industry Shows Glimpse of Maturity LH-134
Market Overview LH-134
Table 80: Canadian Recent Past, Current & Future Analysis for
Life Insurance Industry with Annual Premium Income in US$
Million for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-134
Larger ‘Life’ LH-134
Canadian Life Market - A Brief LH-135
Market Size & Representation LH-135
Table 81: Life Insurance Industry in Canada: Per Capita
Premium in US$, and Penetration Rate for 2006 LH-135
Health Care Scenario LH-135
Disability Insurance Plan LH-136
Regulatory Bodies LH-136
Insurance Bureau of Canada LH-136
Insurance Rate System LH-137
Distribution/Marketing Channels LH-137
The Traditional Channel LH-137
Career Agency System LH-137
Direct Brokerages LH-137
The Contemporary Channel LH-138
National Distribution Model LH-138
Distribution Consolidators LH-138
Bank Distribution LH-138
IDA Firms Witness Decline in Insurance Sale LH-138
Insurance Crimes on Rise LH-139
Life Insurance Competitive Scenario LH-139
Table 82: Canadian Group Life Insurance Market (2006): Net
Written Premiums in C$ Million by Leading Companies for Sun
Life Assur Co, Manufacturers Life, Munich Reins Co,
Great-West Life, Co-operators Life, London Life, Industrial
Alliance, Industrial-Alliance Pacific Life, CA Life, and
Cumis Life (includes corresponding Graph/Chart) LH-139

Table 83: Canadian Individual Life Insurance Market (2006):
Net Written Premiums in C$ Million by Leading Companies for
Sun Life Assur Co, Manufacturers Life, London Life,
Industrial Alliance, Munich Reins Co, CA Life Assur Co,
Transamerica Life, RBC Life, Great-West Life, and CA Life
Ins Co (includes corresponding Graph/Chart) LH-140
Life Insurance Competitive Scenario - A Recent Past Overview LH-140
Leading Players by Net Written Premium LH-140
Table 84: Canadian Life Insurance Industry (2004):
Percentage Share Breakdown of Net Written Premium by Leading
Players for Sun Life of Canada, Manufacturers Life, Canada
Life, London Life, Great-West Life, and Others (includes
corresponding Graph/Chart) LH-140
Market Stats - A Review of Past LH-141
Leading Players by Gross Written Premium LH-141
Table 85: Canadian Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for Sun
Life of Canada, Manufacturers Life London Life, Canada Life
Financial Corp., Industrial Alliance, Maritime Life,
Desjardins Financial, Transamerica Life, Empire Life, and
RBC Life (includes corresponding Graph/Chart) LH-141

Table 86: Top-Five Players in the Canadian Life Insurance
Industry (2002) - Gross Written Premiums in US$ Million for
Sun Life of Canada, Manulife Financial, London Life,
Industrial-Alliance Life, and The Canada Life (includes
corresponding Graph/Chart) LH-141
Leading Players by Assets LH-142
Table 87: Canadian Life Insurance Industry (2003): Leading
Players by Assets in Can$ Million for Sun Life of Canada,
Manufacturers Life, Canada Life, London Life, Great-West
Life, Industrial Alliance Life, Maritime Life, Desjardins
Financial, IOF Foresters, and Transamerica Life Canada
(includes corresponding Graph/Chart) LH-142

Table 88: Canadian Life Insurance Industry (2000): Leading
Companies by Assets Under Management in US$ Billion for Sun
Life Financial Services, Manulife Financial, Great-West
Lifeco, Canada Life Financial, and Clarica Life Insurance
(includes corresponding Graph/Chart) LH-142
Focus on Select Players LH-142
Canada Life Assurance Co. LH-142
Great-West Lifeco Inc. - A Leading Canadian Life/Health Insurer LH-143
Manulife Financial Corp. LH-143
Sun Life Financial LH-143

5c. Japan LH-145
Market Size & Representation LH-145
Table 89: Japanese Recent Past, Current & Future Analysis for
Life Insurance Industry with Annual Premiums in US$ Billion
for Fiscal Years 2005 through 2010 (includes corresponding
Graph/Chart) LH-145

Table 90: Japanese Insurance Industry (2006): Per Capita
Premium in US$, and Penetration of Insurance by Category -
Life and Non-Life LH-145
Non-Payment Issues Hit the Japanese Life Insurance Industry LH-146
De Mutualizing of Insurance Companies: Demoralizing Consumer
Interests? LH-146
Recovery: Hope or Hype? LH-147
Deregulation Shakes the Market Lull LH-147
Table 91: Japanese Life Insurance Market (FY2005-Y2007E):
Percentage Breakdown of Total Premium Income by Category for
Individual Insurance, Individual Annuity, Group Insurance,
Group Annuity, and Others (includes corresponding
Graph/Chart) LH-148

Table 92: Japanese Life Insurance Industry (FY2000-FY2006):
Total Assets By Value in ¥ Billion (includes corresponding
Graph/Chart) LH-148

Table 93: Japanese Life Insurance Industry (FY2005 & FY2006):
Total Business in Force (In ¥ Billion) by Individual
Insurance, Individual Annuity, Group Insurance, and Group
Annuity (includes corresponding Graph/Chart) LH-149

Table 94: Japanese Life Insurance Industry (FY2005 & FY2006):
Total Payments in ¥ Billion by Benefits, Annuity, Repayments,
and Others (includes corresponding Graph/Chart) LH-150
A Peek into Vital Stats LH-150
Challenges Facing Japanese Life Insurance Sector LH-150
Foreign Players Eye the Takeover of Domestic Life Insurers LH-151
Foreigners’ Reign LH-151
Structure of the Life Insurance Industry LH-151
Review of Past Trends and Issues LH-152
Japan’s Favoritism to Kampo Met with Hot Opposition LH-152
Sluggish Economy Lags Growth in the Insurance Market - A Late
90’s Scenario LH-152
Deregulation of the Insurance Industry: Flagged off in the
Year 1996 LH-152
Deregulation Shakes Up the Laxity in the Market LH-153
Competitive Scenario LH-153
Table 95: Japanese Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for
Nippon, Dai-ichi, Meiji Yasuda, Sumitomo, ALICO Japan, Daido,
Mitsui, American Family, Taiyo, and Fukoku (includes
corresponding Graph/Chart) LH-153

Table 96: Top-Five Players in the Japanese Life Insurance
Market (2002) - Gross Written Premiums in US$ Million for
Nippon, Dai-Ichi, Sumitomo, Meiji, and Yasuda (includes
corresponding Graph/Chart) LH-154
Personal Health Insurance is the Mainstay LH-154
Medical Insurance - A Sunrise Opportunity? LH-154
Ongoing Shift LH-154
Medical Expenditure: Spiraling Up LH-154
Table 97: Medical Expenditures in Japan: 2000 - 2005
(includes corresponding Graph/Chart) LH-155

Table 98: Health Insurance Market Size in Japan (*): 2000 &
2005 (¥ Trillion) LH-155
High-Risk Medicare Boosts Private Medical Insurance LH-156
Table 99: Rising Popularity of Disease Specific Riders in
Japan (2003-2004) (includes corresponding Graph/Chart) LH-156
High Cost Medicare Props Personal Accident Insurance LH-156
Focus on Select Japanese Players LH-157
Asahi Mutual Life Insurance LH-157
Dai -ichi Mutual Life Insurance LH-157
Meiji Yasuda Life Insurance - Leading Life Insurer in Japan LH-157
Nippon Life Insurance Co. LH-157
Sumitomo Life Insurance LH-158
Sompo Japan Insurance Inc. LH-158

5d. Europe LH-159
Market Overview LH-159
Table 100: European Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in US$
Billion for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-159

Table 101: European Recent Past, Current & Future Analysis
for Life Insurance Industry by Leading Country/Region -
United Kingdom, France and German Markets Independently
Analyzed with Annual Premium Income in US$ Billion for the
Years 2006 through 2010 (includes corresponding Graph/Chart) LH-159
Changing Face of the European Insurance Market LH-160
Life Insurance on the Surge LH-160
Table 102: European Life Insurance Market (2005): Percentage
Breakdown of Premiums by Country - Belgium, Denmark, Finland,
France, Germany, Italy, Netherlands, Spain, Sweden,
Switzerland, United Kingdom, and Others(includes
corresponding Graph/Chart) LH-160

Table 103: European Life Insurance Market (2005): Percentage
Breakdown of Insurance Contracts by Individual and Group
Segments for France, Germany, Italy, UK, and Spain (includes
corresponding Graph/Chart) LH-161

Table 104: European Life Insurance Market (2005): Percentage
Breakdown of New Individual Life Contracts by Segments -
Annuity, Protection, and Savings (includes corresponding
Graph/Chart) LH-161

Table 105: Leading Players in European Life Insurance Market
(2006): Percentage Market Share of APE (Annual Premium
Equivalent) by Unit-Linked Products, and Fixed-Rate Products
for Aegon, AGF, Allianz, AXA, CNP, Generali, Fortis, and ING
2004: Earnings Clouded by Underwriting Concerns (includes
corresponding Graph/Chart) LH-162
2004: Earnings Clouded by Underwriting Concerns LH-162
Life Investments Form Major Portion of Insurance Investments LH-163
Fast Facts LH-163
Table 106: Life Insurance Market (2002-2005): Premium Income
(in € Billion) by Major European Countries - United Kingdom,
France, Germany, and Italy (includes corresponding
Graph/Chart) LH-163
Deregulation Regulating the Market’s Growth? LH-164
Cross Border Life Operations - A Boon to Life Insurers LH-164
UK Leads the Way LH-164
Aging Population Fuels Sales LH-164
Bancassurance Denting Life Insurers’ Revenues LH-165
An Overview of the Pension Market in the Six Largest EU States LH-165
Ageing Population Thumps the Pension Regimes LH-165
Public Pensions Systems Under Pressure LH-165
Alarming Pension Expenditure LH-165
Saving Rates LH-166
Compulsory Pension Saving - A Hugely Relied Income LH-166
Dominance of PAYG System LH-166
Occupational Pensions (Voluntary Schemes) LH-166
Personal Pensions and Other Retirement Saving (Voluntary Schemes) LH-166
Non-Contributory (Means-Tested) Pensions LH-166
Fresh Funded Pension Products LH-166
Flooding Tax-Benefits LH-167
Advocating for Company-Based Pensions LH-167
European Pension Reforms LH-167
Pension Sector Outlook for Select EU Countries LH-168
France LH-168
Germany LH-168
Italy LH-168
United Kingdom LH-168
Spain LH-168
Poland LH-168
Challenges Faced by the Life and Pensions Market in Europe LH-169
Regulations LH-169
Europe’s ‘Lisbon Strategy’ Relaunched LH-169
Changing Distribution Channels LH-170
Emergence of Bancassurance LH-170
Factors Influencing Growth LH-170
What’s in Store? LH-170
A Wide Network of Distribution Channels LH-170
A Tightening Regulatory Environment LH-170
New Competition Rules in the Insurance Industry LH-171
Insurance Intermediation LH-171
Taxation of Insurance Premiums LH-171
New Guidelines in Germany LH-172
Reverberations in European Union LH-172
European Union to Withdraw State Cover for Airlines LH-172
Historic Review LH-173
Table 107: Key Nations for Life Insurance in Europe: 2000 (In
US$ Billion) (includes corresponding Graph/Chart) LH-173
Quality Vs Cost - The Perennial Problem Drives the Health &
Disability Insurance Market LH-174

5d(i). Key European Markets LH-175
A.German Market LH-175
Europe’s Largest Life Insurance Market LH-175
Table 108: German Recent Past, Current & Future Analysis for
Life Insurance Industry with Annual Premium Income in US$
Million for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-175
German Insurance Industry - A Market Summary LH-175
Life Insurance Market Trends in Germany - Review of First
Half of 2006 LH-176
German Health Insurance Industry - Market Statistics of 2005
& First Half of 2006 LH-176
Table 109: German Life Insurance Industry: Per Capita
Premium in US$, and Penetration of Insurance for 2006 LH-177
Insurance Penetration in German Households LH-177
Table 110: German Insurance Industry (1991-2004): Insurance
Penetration Rate in German Households (In %) (includes
corresponding Graph/Chart) LH-177
Highlights LH-178
Table 111: German Life Insurance Industry (2007 & 2008):
Percentage Breakdown of Premiums by Category - Endowment,
Annuities & Pensions, Unit-Linked Endowment & Annuity,
Collective Policies and Supplementary Insurance (includes
corresponding Graph/Chart) LH-178

Table 112: German Life Insurance Industry (2005): Percentage
Breakdown of Premiums by Category - Annuities & Pensions,
Collective Policies, Endowment Insurance, Supplementary
Insurance, and Unit-Linked Endowment & Annuity Insurance
(includes corresponding Graph/Chart) LH-179

Table 113: German Life Insurance Industry (2005): Percentage
Value Breakdown of Life Annualized New Business by Business
Type - Individual Insurance Contracts (Annuities & Pension,
Dependency Annuity, Disability, Endowment, Term Insurance,
Others) and Group Insurance Contracts (Endowment, Residual
Debt, Term Insurance, and Others) LH-179

Table 114: German Life Insurance Industry: Gross Written
Premium in US$ Billion for 1999-2002 (includes corresponding
Graph/Chart) LH-179
Consolidation Scenario LH-180
Significance of a Single Market LH-180
Table 115: Number of Insurers Operating in the German Life
Insurance Industry (1990-2003) (includes corresponding
Graph/Chart) LH-180
Regulatory Reforms: Taxing the Future of Life? LH-181
Health Insurance & Pension Schemes Cover Major Share of
Cancer Costs LH-181
Market Players LH-181
Table 116: Leading Players in German Life Insurance Market
(2004): Percentage Market Share by Company - Allianz, AXA,
Debeka, Generali, HDI (Talanx), Munich Re, R+V, Zurich, and
Others (includes corresponding Graph/Chart) LH-181

Table 117: German Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for
Allianz Leben, Hamb. Mannheimer LV, Aachener/Mchn Leben, R+V
Lebensvers AG, DT. Herold Leben, Victoria Leben,
Volksfursorge DT LV, Axa Leben, Debeka Leben, and Gerling-
K. Leben (includes corresponding Graph/Chart) LH-182

Table 118: Leading Players in the German Life Insurance
Market (2002) - Gross Written Premiums in US$ Million for
Allianz Leben, Aachener/Mchn. Leben, Hamb. Mannheimer LV,
R+V Lebensvers. AG, and DT. Herold Leben (includes
corresponding Graph/Chart) LH-182
Outlook LH-183
Direct Writing LH-183
IDW’s Guidelines LH-183
The Pension Sector LH-184
Compulsory Pension (Contributory State Pension) LH-184
Occupational Pension (Voluntary) LH-184
Types of Occupational Pension LH-184
Book Reserves LH-184
Retirement Funds (Pensionskasse) LH-184
Direct Insurance LH-184
Support Fund LH-185
Pension Fund LH-185
Personal Pensions and Other Retirement Savings (Voluntary) LH-185
Insurance Pools LH-185
Protektor Lebensversicherungs-AG LH-185
Essential Features of Protektor AG LH-185
Health Insurance Market Highlights LH-186
Table 119: German Health Insurance Industry: Gross Written
Premium in US$ Billion for 1999-2003 (includes corresponding
Graph/Chart) LH-186

Table 120: Number of Insurers Operating in the German Health
Insurance Industry (1990-2003) (includes corresponding
Graph/Chart) LH-187
Private Health Insurance Sector LH-187
Table 121: German Private Health Insurance Market (2005):
Premiums in Euro Billion) by Business Segment - Health
Insurance (Daily Benefits Insurance, Independent Hospital
Cash Schemes, Medical Expenses Insurance, Special Types of
Insurance, and Other Independent Partial Insurances) and
Compulsory Long-Term Care Insurance (includes corresponding
Graph/Chart) LH-188
Private Health Funds Receive Boost LH-188
Health Insurance and Insurers’ Predicament LH-188
A Mid 90’s Perspective LH-189
Major Players LH-189
DKV Deutsche LH-189
Signal LH-189
DKV Deutsche Krankenversicherung - One of the Leading German
Insurers LH-189
Debeka Krankenversicherungsverein - A Leading Insurer in
Germany LH-189
B.French Market LH-190
France: A Leading European Life Insurance Market LH-190
New Products Drive Growth LH-190
Table 122: French Recent Past, Current & Future Analysis for
Insurance Industry with Annual Premium Income in US$ Billion
for the Years 2006 through 2010 includes corresponding
Graph/Chart) LH-191

Table 123: French Life Insurance Industry: Per Capita
Premium in US$ and Penetration of Insurance for 2006 LH-191
Life Insurance Highlights LH-191
The Market Leaders LH-191
Table 124: Leading Players in French Life Insurance Market
(2006 & 2007): Percentage Market Share of Premiums by
Company - CNP, Crédit Agricole, Axa, Generali, BNP and
Others (includes corresponding Graph/Chart) LH-192

Table 125: French Life Insurance Market (2002): Total
Premium Income by Category in Euro Billion (includes
corresponding Graph/Chart) LH-192
A Fragmented Market LH-193
Table 126: Number of Insurance Companies Operating in France
(2002-2003) (includes corresponding Graph/Chart) LH-193
Health Insurance LH-194
Foreign Re-insurers in France LH-194
Life Products LH-194
Fastest Growing Life Products in France LH-195
Shift in Household Preference LH-195
Retirement Funding LH-195
The Pension Sector LH-195
Compulsory Pension (Contributory State Pension) LH-195
Safety Net Pension (Non-Contributory State Pension) LH-196
Occupational Pension (Voluntary) LH-196
Personal Pensions and Other Retirement Savings (Voluntary) LH-196
Professional Pension Contracts LH-196
Table 127: French Insurance Market (2002): Professional
Pension Contracts Written by Insurance Companies in Euro
Billion (includes corresponding Graph/Chart) LH-197
Tax Benefits to Help Pension Funds Growth LH-197
Banks in Life Insurance LH-198
Outlook LH-198
Leading Players LH-198
Table 128: French Life Insurance Market (2005): Percentage
Market Share of Leading Players - AGF, AXA France, BNP
Paribas, Credit Agricole, Credit Mutuel, CNP, Generali,
Groupama, Soc Gen, and Others (includes corresponding
Graph/Chart) LH-198

Table 129: French Life Insurance Market (2005): Percentage
Breakdown of Life Insurance Policy Distributors - Banks,
Brokers, Employee Networks, General Agents, and
Others(includes corresponding Graph/Chart) LH-199

Table 130: French Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for CNP,
Prédica/Pacifica, AXA, Generali France, BNP Paribas
assurance, Sogecap, AGF, Groupama, ACM and Aviva France
(includes corresponding Graph/Chart) LH-199
Health Insurance Boosts the Segment’s Phenomenal Growth LH-199
Table 131: French Life and Health Insurance Market (2002):
Total Premium Income by Category in Euro Billion (includes
corresponding Graph/Chart) LH-200
Groupama -The Market Leader LH-201
Focus on Select French Players LH-201
AXA Group LH-201
BNP Paribas Assurance - Fourth Largest Life-Insurance Group
in France LH-201
Groupama LH-201
C.Italian Market LH-201
Sector Representation LH-201
Table 132: Italian Insurance Industry (2005): Penetration of
Insurance and Per Capita Premium in US$ by Category - Life
and Non-Life LH-202
Reviving Fortunes LH-202
A Review of Past LH-202
Bankassurance Grows Popular LH-202
A ‘Unitary’ Beginning LH-202
Table 133: Italian Insurance Industry (2002 & 2003): Total
Premium by Category in Euro Million (includes corresponding
Graph/Chart) LH-203

Table 134: Italian Insurance Industry (1993-2002): Total
Life Premium in Euro Million (includes corresponding
Graph/Chart) LH-203
Market Leaders LH-204
Table 135: Top-Five Players in the Italian Life Insurance
Market (2003) - Gross Written Premiums in US$ Million for
Creditras, Sanpaolo, Poste Vita, Intesa, and Alleanza
(includes corresponding Graph/Chart) LH-204
Industry Structure LH-204
Table 136: Leading Players in Italian Insurance Market
(2004): Percentage Market Share by Company - Ass.
Internazionali Previdenza, Cattolica, Fondiaria - Sai,
Generali, RAS, Unipol, and Others LH-204

Table 137: Italian Insurance Market (2003): Number of
Domestic Insurance Companies by Judicial Nature and Business
Sector LH-205

Table 138: Italian Insurance Market (2003): Number of
Insurance Companies by Nature of Origin and Business Sector
(includes corresponding Graph/Chart) LH-205
Domestic Vs. Foreign Players LH-205
Distribution System in Italian Insurance Industry LH-205
Performance of Distribution Channels LH-206
Table 139: Italian Life Insurance Market (1H-2006):
Percentage Breakdown of Direct Premium Volumes by Category-
Health, Capitalisation, Unit & Index Linked, Traditional,
and Pension Funds (includes corresponding Graph/Chart) LH-206

Table 140: Italian Life Insurance Market (1H-2006):
Percentage Breakdown of Direct Premium Volumes by Channel -
Domestic Insurers (Financial Advisors, Banks & Post
Offices, Agents, and Others) and EU Insurers (includes
corresponding Graph/Chart) LH-206

Table 141: Italian Life Insurance Market (2003): Total
Premium (in Euro Million) and Market Share (in %) by
Distribution Channels for Agents, Brokers, Direct Sales and
Financial Advisers (includes corresponding Graph/Chart) LH-207
Insurance - A Move Towards Rationalization LH-207
Banks in the Italian Insurance Business LH-207
Liberalization of the Sector LH-208
The Pension Sector LH-208
Compulsory State Pension (Contributory) LH-208
Safety Net Pension (Non-Contributory) LH-208
Occupational Pension LH-208
Personal Pensions and Other Retirement Savings (Voluntary) LH-209
Pension Funds Revision Outlook LH-209
Pension Funds in Italy & Their Performance LH-209
Focus on Key Player LH-210
Assicurazioni Generali - No. 3 in World LH-210
D.Spanish Market LH-210
Spanish Insurance Market LH-210
Market Size & Representation LH-210
Life and Pensions Sector - Growing Robustly LH-211
Growth Barriers LH-211
Changes in Spanish Tax Code LH-211
The Pension Sector LH-211
Compulsory Pension (Contributory) LH-211
Safety Net Pension (Non-Contributory State Pension) LH-212
Occupational Pensions (Voluntary) LH-212
Personal Pensions and Other Retirement Savings (Voluntary) LH-212
Distribution/Marketing Channels LH-212
Table 142: Spanish Life Insurance Market (2005): Percentage
Breakdown of Premium by Distribution Channel -
Bancassurance, and Insurers LH-212
Market Leaders LH-213
Table 143: Leading Players in Spanish Life Insurance Market
(2004): Premium in € Million by Company - Allianz, Ascat
Vida, Aviva, BBVA, Bansabadell Vida, Banesto Grupos, Caifor,
Generali, Ibercaja, and Mapfre (includes corresponding
Graph/Chart) LH-213

Table 144: Spanish Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for
Mapfre Vida, Vida Caixa, BBVA Seguros, Aseval, Bansabadell
Vida, Ibercaja, Ascat-Vida, Vitalicio Seguros, Estrella
Seguros, and Mediterraneo Vida (includes corresponding
Graph/Chart) LH-213
A Mid 90’s Perspective LH-214
Medical Insurance- Robust Growth LH-214
E.The UK Market LH-214
The UK Insurance Industry - An Overall Market Scenario LH-214
Table 145: UK Recent Past, Current & Future Analysis for
Life Insurance Industry with Annual Premium Income in GBP
Billion for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-215

Table 146: UK Life Insurance Industry: Per Capita Premium in
US$, and Penetration of Insurance for 2006 LH-215
Life Insurance Market LH-215
Table 147: UK Life Insurance Market (2006 & 2007):
Percentage Market Share of Net Written Premiums by Category
- Life Insurance, Individual Pensions, Occupational
Pensions, Income Protection and Others (includes
corresponding Graph/Chart) LH-216
The UK Insurance Industry - An Overall Market Scenario LH-216
Health Insurance: An Illustrious Year LH-216
Life Insurance Industry - Out focused? LH-217
Get Set...Grow LH-217
Impact of Climatic Transitions on Insurance Industry LH-217
Aging Baby Boomers - A Concern in the UK Insurance Industry LH-217
Life Insurance Prices to Drop in UK LH-219
Critical-Illness Plan to Dominate UK Market LH-219
General & Long Term Insurance - A Unique Market Split LH-219
Table 148: UK Insurance Market by Category (2003): Number of
Companies in General Insurance, and Long-term Business
(includes corresponding Graph/Chart) LH-219
Rising Medical and legal costs Spiral Personal Injury Claims LH-220
Life Insurers Take the Bigger Pie of Overseas Business LH-220
Fluctuating Regulations Cast a Spell of Chaos on the Industry LH-220
E-Commerce & Outsourcing - To Rise & Shine the UK Insurance
Sector LH-220
Consumer Loyalty - A Strong Point LH-220
Mutual Insurance Gains Ground Amid Adversities LH-221
Effect of Demographic Trends on Insurance Penetration LH-221
Table 149: Population Trends: 1990-2030 LH-221
Changes in UK Healthcare System - Impacts on Healthcare
Insurance LH-221
Information Technology in Insurance LH-222
Employer-Pension Schemes Outpace Personal Pensions LH-223
‘Long Life’ Products Go Strong LH-223
Table 150: UK Life Insurance Industry: Life Annualized New
Business in US$ Billion and Percentage Value Breakdown of
LANB by Savings & Protection, Pensions, Pension Annuities
and Group Risk (Regular, Non-Profit) for the Years 2001,
2002, 2003, 2004, 2005 and 2010 (includes corresponding
Graph/Chart) LH-224

Table 151: UK Long Term Insurance Market (2005): Net Premium
Income in Pound Billion by Category - Group Pensions, Life &
Annuities, Individual Pensions, and Income Protection &
Other Business (includes corresponding Graph/Chart) LH-224

Table 152: UK Long Term Insurance Market (2005): Benefits
Paid in Pound Billion by Category - Life & Annuities, All
Pensions, and Income Protection & Other Business(includes
corresponding Graph/Chart) LH-225

Table 153: UK Long Term Insurance Market (2005): Individual
Business Policies in Million by Category - Life & Annuities,
All Pensions, and Income Protection & Other Business
(includes corresponding Graph/Chart) LH-225

Table 154: UK Long Term Insurance (2005): Percentage Market
Share of Sales by Category - Single Tie/Limited Range,
IFAs/Whole of Market, and Non-Intermediated (includes
corresponding Graph/Chart) LH-225

Table 155: UK Long Term Insurance (2000-2004): Life &
Annuities’ Net Premium (NP) in US$ Billion and Percentage
Breakdown of NP by Regular and Single Premiums (includes
corresponding Graph/Chart) LH-226

Table 156: UK Long Term Insurance (2000-2004):
‘Individual/Other Pensions’ Net Premium (NP) in US$ Billion
and Percentage Breakdown of NP by Regular and Single
Premiums (includes corresponding Graph/Chart) LH-226

Table 157: UK Long Term Insurance (2000-2004): ‘Income
Protection’ Net Premium (NP) in US$ Billion and Percentage
Breakdown of NP by Regular and Single Premiums (includes
corresponding Graph/Chart) LH-227

Table 158: UK Long Term Insurance (2000-2004): Total
Benefits (TB) in US$ Billion and Percentage Breakdown of
Total Benefits by Pensions, Life & Annuities and Income
Protection (includes corresponding Graph/Chart) LH-227

Table 159: UK Long Term Insurance (2000-2004): Total
Business Policies (TBP) in US$ Billion and Percentage
Breakdown of TBP by Life & Annuities, Pensions and Income
Protection (includes corresponding Graph/Chart) LH-228

Table 160: UK Life Insurance Market (2005 & 2006): New
Business Premiums (Regular) in Pound Million by Category -
Individual Pension, Group Pension, Individual Protection,
Group Protection, Investment & Savings, Collective
Investment & Schemes, Other Stakeholder Products, and
Offshore Business (includes corresponding Graph/Chart) LH-228

Table 161: UK Life Insurance Market (2005 & 2006): New
Business Premiums (Regular) by Distribution Channel - Single
Tie, IFAs/Whole of Market, and Non-intermediated(includes
corresponding Graph/Chart) LH-229

Table 162: UK Life Insurance Market (2005 & 2006): New
Business Premiums (Single) in Pound Million by Category -
Individual Pension, Group Pension, Individual Protection,
Pension Annuities & Income Drawdown, Investment & Savings,
Collective Investment & Schemes, Other Stakeholder Products,
and Offshore Business (includes corresponding Graph/Chart) LH-229

Table 163: UK Life Insurance Market (2005 & 2006): New
Business Premiums (Single) by Distribution Channel - Single
Tie, IFAs/Whole of Market, and Non-intermediated(includes
corresponding Graph/Chart) LH-230
Market Leaders LH-230
Table 164: Leading Players in UK Life Insurance Market
(2005): Percentage Market Share by Company - Aviva, AXA,
Clerical Medical, Friends Provident, Legal & General,
Prudential, Scottish Widows, Scottish Equitable, Skandia,
Standard Life, and Others (includes corresponding
Graph/Chart) LH-230

Table 165: UK Life Insurance Industry (2003): Gross Written
Premium in US$ Billion by Leading Companies for AVIVA plc,
Standard Life, HBOS, Prudential, Lloyds TSB Group, Legal and
General, Axa, Aegon, Zurich Financial Services, and Friends
Provident (includes corresponding Graph/Chart) LH-231
Specialist Pensions Insurance LH-231
Demand for Annuities Set to Rise Rapidly LH-231
Categorization of the UK Life Insurers LH-231
Restructuring of the Industry LH-232
Opportunities for Life Insurers LH-232
Outlook for the Life Market LH-233
Industrial Branch Business LH-233
About Endowment Mortgages LH-234
Hybrid and Savings Plans - Futuristic in Nature LH-234
The Pension Sector LH-235
Table 166: UK Pension Market (2005): Total Funded Pensions
in Pounds Billion by Type - Self-Administered Pensions,
Insurance Individual Pensions, and Insurance Occupational
Pensions (includes corresponding Graph/Chart) LH-235
Compulsory Pension (Contributory State Pension) LH-235
Safety Net Pension (Non-Contributory State Pension) LH-235
Occupational Pensions (Voluntary) LH-235
Personal Pensions and Other Retirement Savings (Voluntary) LH-236
Stakeholder Pensions LH-236
Pension Credit LH-236
An Impetus to Sagging Pensions Market LH-236
Traded Endowment Policies (TEPS) LH-236
A Fast Growing Financial Services Segment LH-237
The Origins LH-237
Target Audience LH-237
Triple Benefits LH-237
Protection and Investor Considerations LH-237
Supply and Demand Scenario - A Historic Review LH-238
Table 167: Percentage of TEPS Offered by Life Companies to
Market Makers (includes corresponding Graph/Chart) LH-238
Distribution LH-239
Work-Site Marketing Rising to New Heights LH-239
Marketing Strategies LH-239
Telemarketing LH-239
Advertisements LH-240
Direct Mail LH-240
E-commerce & M-commerce LH-240
Direct Writers - A Key Link in the Market Vertical LH-241
Customer Relationship Management (CRM) LH-241
A Peek into Past Trends/Issues and Facts LH-241
Table 168: Long-Term Insurance Market in UK: 2000 (£
Billion) (includes corresponding Graph/Chart) LH-241
Dismal Market Conditions LH-242
Consolidation in the Insurance Market LH-242
Market Leaders LH-243
Table 169: Top-Five Players in the UK Life Insurance Market
(2002) - Gross Written Premium in US$ Million for Barclays,
Standard Life, Norwich Union, Prudential, and Halifax
(includes corresponding Graph/Chart) LH-243
Entry of Banks Into Insurance LH-243
Table 170: Leading Bancassurers in the UK by Net
Reinsurance Premium: 2000 (£ Million) (includes
corresponding Graph/Chart) LH-243
Consolidations in the IFA Sector LH-244
IFAs Outlook Gloomy LH-244
Few Investors Choose to Invest in IFA’s LH-244
Review of the Sectors: Mid-90s LH-244
Table 171: Life Premiums in Total Premiums of the Composites
(includes corresponding Graph/Chart) LH-245
Focus on Select Players LH-245
Aviva Plc - Fifth Largest Life Insurer in the World LH-245
Britannia Life LH-245
Ecclesiastical Insurance Group LH-246
Legal & General Group Plc LH-246
Lloyds TSB Life Assurance Company Limited LH-246
NatWest Life LH-246
Prudential PLC LH-247
Scottish Widows plc LH-247
Standard Life LH-248
The EquiTable Life Assurance Society LH-248
Accident and Health Insurance LH-248
Table 172: Growth of Permanent Health Insurance Policies
(includes corresponding Graph/Chart) LH-249
Health Insurance Highlights LH-249
Corporate Sector Holds Hope for UK’s Health Insurance Market LH-249
Rising Private Medical Insurance Claims LH-249
Table 173: Ratio of the UK Working Age Over Pensionable Age
(includes corresponding Graph/Chart) LH-250
Outlook LH-250
The Key for Retention LH-250
Long Term Care - A Past Perspective LH-251
Booming Long-Term Healthcare Insurance Market in the UK LH-251
Control of Personal Investment Authority LH-251
A Review of Mid 90s LH-251
Accident & Health LH-251
Table 174: Pecuniary Loss - Net Premiums Written and
Underwriting Results by Company (£ Million) (includes
corresponding Graph/Chart) LH-252
Focus on Select Players LH-252
BUPA (British Union Provident Association) LH-252
Scottish Widows plc LH-253
F.Russian Market LH-253
Low Penetration Abounds Prospects LH-253
A Market with A Difference LH-253
Sector Representation LH-253
Table 175: Russian Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Billion for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-254
Market Snapshots LH-254
Insurance Industry Outpaces GDP Growth LH-254
Market Trends and Issues LH-255
A Ray of Hope LH-255
Problems Persist LH-255
Life and Pensions Market LH-255
Pension Reforms LH-256
Reforms - Key for Development LH-256
Tax Waiver Boosts Life Insurance Sector Prospects LH-256
Market Leaders LH-256
Table 176: Russian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Stolichnoe, UralSib, Yakor, Natsionalnaya, Standart Reserv,
Gorodskaya, Rosno, Pomoshch, Reso Garantiya, and
Rosgosstrakh (includes corresponding Graph/Chart) LH-257

Table 177: Top-Five Players in the Russian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
PSK, Yakor, Liga, National Insurance, and CA Vesta (include
corresponding Graph/Chart) LH-258
Outlook LH-258
Focus on Reserve Practices LH-258
Industry Composition LH-259
Regional Insurers Have the Major Say LH-259
Role of Foreign Insurers in Russia LH-259
Problems Continue to Dog Foreign Players LH-259
Regulatory Environment LH-260
The Supervisory Authority LH-260
Responsibilities of Department of Insurance Supervision LH-260
Powers LH-260
Rights LH-261
General Rules and Regulations LH-261
Licensing LH-261
Accounting LH-262
A Recent Past Perspective LH-262
Post September 11 Attacks: Russian Economy Presents a Rosy
Picture LH-262
Competition and Control Lower Market’s Fragmentation LH-262
Capital & Start ups of Insurance Firms: A 2000 Scenario LH-263
Life Insurance Dominated the Scene LH-263
Health Insurance - The ‘In’ Thing LH-263
G.Insurance Markets in Rest of Europe LH-264
Central and Eastern Europe LH-264
Life Insurance Sector Flourishing LH-264
Large Players Losing Hold LH-264
Table 178: Life Insurance Industry in Eastern Europe
(2005): Penetration of Insurance for Select Regions -
Russia, Czech Republic, Poland, Hungary, and Ukraine
(includes corresponding Graph/Chart) LH-264
A Peek into the Past LH-265
Market Numbers LH-265
Table 179: Insurance Penetration Rate (In %) by Type for
2001: Central/East European Nations Vs EU-15 (includes
corresponding Graph/Chart) LH-265

Table 180: Insurance Premium as % of GDP for1999-2001:
Central/East European Nations Vs EU-15 (includes
corresponding Graph/Chart) LH-266

Table 181: Per Capita Premium in US$ for 2000 &2001:
Central/East European Nations Vs EU-15 (includes
corresponding Graph/Chart) LH-266
Scandinavia LH-267
Best Prospects for Unit Linked Products LH-267
Baltic Countries: Pension Reforms - Agenda for Growth LH-267
Latvia LH-267
1st Pillar - State Mandatory Non-Funded Social Insurance
Pension Scheme (On PAYG base) LH-268
2nd Pillar - State Mandatory Funded Social Insurance
Pension Scheme LH-268
3rd Pillar - Private Voluntary Pension Scheme LH-268
Lithuania LH-269
Estonia LH-270
Austria LH-270
Sector Representation & Market Size LH-270
Life Insurance Majors LH-270
Table 182: Austrian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Sparkassen Versicherung, Wiener Stadtische, Raifeisen,
UNIQA Personenversicherung, Generali Versicherung, Allianz
Elementar Leben, Wustenrot, Union, Donau, and Skandia Leben
(includes corresponding Graph/Chart) LH-271

Table 183: Top-Five Players in the Austrian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Sparkassen-Versicherung, Wiener Staedtische, Raiffeisen,
Generali Versicherung, and Wustenrot (includes
corresponding Graph/Chart) LH-272
Health - A Key Segment of the Austrian National Insurance
System LH-272
Table 184: Austrian Insurance Industry (2003): Percentage
Share of Expenditure by Sector for Pensions, Health
Insurance, and Accident Insurance (includes corresponding
Graph/Chart) LH-272

Table 185: Austrian Insurance Industry (2000-2003):
Spending of Health Insurance Sector by Spending Areas in €
Million (includes corresponding Graph/Chart) LH-273
Belgium LH-273
Sector Representation & Market Size LH-273
Table 186: Belgian Life Insurance Industry (2005):
Penetration of Insurance and Per Capita Premium in US$ LH-274
Market Leaders LH-274
Table 187: Belgian Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for
ETHIAS Life, Les Assurances de Fortis Banque, AXA Belgium,
Fortis AG, KBC Assurances/CBC Assurances, ING Insurance,
DEXIA Assurances, AGF Belgium Insurance, Generali Belgium,
Winterthur-Europe Assurances (includes corresponding
Graph/Chart) LH-274

Table 188: Top-Five Players in the Belgian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
SMAP, FB Assurances, ING, KBC Assurances, and Fortis AG
(includes corresponding Graph/Chart) LH-275
Bulgaria LH-275
Sector Representation & Market Size LH-275
Market Leaders LH-275
Table 189: Bulgarian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for
DZI, Allianz Bulgaria Life, Orel Life, AIG Life Bulgaria,
Bulstrad DSK-Life, Grawe Bulgaria, Vitosha Life, Bulgariski
Imoti, DSK Garancia, and Dobrudja-M-Life (includes
corresponding Graph/Chart) LH-276

Table 190: Top-Five Players in the Bulgarian Life Insurance
Industry (2003) - Gross Written Premium in US$ Million for
DZI, Allianz Bulgaria Life, Orel Life, AIG Life Bulgaria,
and Bulstrad DSK-Life(includes corresponding Graph/Chart) LH-276
A Snapshot of the Past Market Stats LH-277
Table 191: Life Insurance Industry in Bulgaria (2000):
Leading Companies by Premium Income in Lev Million and
Market Share in % (includes corresponding Graph/Chart) LH-277
Croatia LH-278
Sector Representation & Market Size LH-278
Market Leaders LH-278
Table 192: Croatian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Grawe, Croatia, Merkur, Zagreb, Allianz, Sunce, Kvarner
Wiener St., Helios, Euroherc Life, and UNIQA (includes
corresponding Graph/Chart) LH-278

Table 193: Top-Five Players in the Croatian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Grawe Hrvatska, Zagreb, Croatia, Merkur, and Allianz Zagreb
(includes corresponding Graph/Chart) LH-279
Cyprus LH-279
Sector Representation & Market Size LH-279
Market Leaders LH-279
Table 194: Cyprian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Laiki Cyprialife, Eurolife, Universal Life, America Life,
Interlife, Liberty Life, Alhpa, Minerva, Aspis Pronia, and
Ethniki (includes corresponding Graph/Chart) LH-280

Table 195: Top-Five Players in the Life Insurance Industry
of Cyprus (2002) - Gross Written Premium in US$ Million for
Eurolife, Laiki Cyprialife, Universal Life, America Life,
and Interlife (includes corresponding Graph/Chart) LH-280
Finland LH-281
Sector Representation & Market Size LH-281
Financial Services Convergence Takes Wings LH-281
Competitiveness Reaches New Heights LH-281
Forming Alliances: Order of the Day LH-281
Market Leaders LH-281
Table 196: Finnish Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Nordea, OP-Henkivakuutus, Henki-Sampo, Henki-Suomi,
Suomi-yhtio, Kaleva, Henki-Tapiola, Henki-Veritas,
Henki-Fennia, and Yritysten Henki-Tapiola (includes
corresponding Graph/Chart) LH-282

Table 197: Top-Five Players in the Life Insurance Industry
of Finland (2002) - Gross Written Premium in US$ Million
for Nordea, Henki-Sampo, Aurum, Henki-Suomi, and
Suomi-yhtio (includes corresponding Graph/Chart) LH-282
A Review of Past Stats LH-283
Table 198: Life Insurance Industry in Finland (1999 &
2000): Insurance Premium Written in FIM Billion by Scheme
Type for Individual, Unit-Linked, and Group (includes
corresponding Graph/Chart) LH-283
Greece LH-284
Sector Representation & Market Size LH-284
Market Leaders LH-284
Table 199: Greek Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Ethniki, Interamerican Life, Alico AIG Life, ING Life,
Agrotiki, Aspis Pronia General, Allianz Life, Phoenix
Metrolife Emporiki, EFG Life, and Alpha Ins (includes
corresponding Graph/Chart) LH-284

Table 200: Top-Five Players in the Life Insurance Industry
of Greece (2002) - Gross Written Premium in US$ Million for
Interamerican Life, Ethniki, ING Life, Alico AIG Life, and
Aspis Pronia General (includes corresponding Graph/Chart) LH-285
A Peek into Past Competitive Landscape LH-285
Table 201: Insurance Industry in Greece (1993-2002): Number
of Insurance Companies by Insurance Class for General
Insurance, Life Insurance, and Composite (includes
corresponding Graph/Chart) LH-285

Table 202: Greek Insurance Industry (1993-2002): Direct
Premium In Million Euro by Insurance Class for Life and
Non-Life (includes corresponding Graph/Chart) LH-286

Table 203: Greek Insurance Industry (2001): Direct Premium
of Life Insurance by Line in Greek Drachmas Million
(includes corresponding Graph/Chart) LH-287
Market Share of Top Companies LH-287
Table 204: Insurance Industry in Greece (1998-2002):
Percentage Market Share of Top 5, 10, and 20 Companies by
Life and Non-Life Sectors (includes corresponding
Graph/Chart) LH-287
Hungary LH-288
Sector Representation & Market Size LH-288
Retaining Agents a Herculean Task LH-288
Market Leaders LH-288
Table 205: Top-Five Players in the Hungarian Life Insurance
Industry (2003) - Gross Written Premium in US$ Million for
ING, AB Aegon, OTP-Garancia, Generali Providencia, and
Allianz (includes corresponding Graph/Chart) LH-288
A Review of Past Market Stance LH-289
Life Insurance Witnesses Upswing LH-289
Table 206: Life Insurance Industry in Hungary (2000):
Leading Players by Earned Premium in HUF Billions
(includes corresponding Graph/Chart) LH-289
Group Life Insurance Schemes Fuel Growth LH-289
Hungarian Government Probes Insurance Companies LH-290
Iceland LH-290
Sector Representation & Market Size LH-290
Market Leaders LH-290
Table 207: Life Insurance Industry in Iceland (2003): Gross
Written Premium in US$ Million by Leading Companies for
Sjova-Almennar, Althjoda, LIFIS, and Liftryggingamidsrodin
(includes corresponding Graph/Chart) LH-290

Table 208: Leading Players in the Life Insurance Industry
of Iceland (2002) - Gross Written Premium in US$ Million
for Sameinada, Althjoda, and LIFIS (includes corresponding
Graph/Chart) LH-291
Ireland LH-291
Sector Representation & Market Size LH-291
Table 209: Irish Recent Past, Current & Future Analysis for
Life Insurance Industry: Annual Premium Income in Euro
Billion for the Years 2005 through 2010 (includes
corresponding Graph/Chart) LH-291

Table 210: Insurance Industry in Ireland (2006): Per Capita
Premium in US$ by Category - Life and Non-Life LH-291
Market Development LH-292
Pro-business Regulatory Climate LH-292
Personal Retirement Savings Accounts (PRSAs) - An Overview LH-292
Limitations on Charges LH-292
Restrictions on Investment LH-292
PRSA Providers LH-293
Regulation of PRSA LH-293
SuiTable for Investment Managers LH-293
Life Insurers Caught in a Tight Spot LH-294
Distribution of PRSA LH-294
Encouraging Lapses LH-294
With-Profits Funds Deployment by Life Insurers LH-295
Outlook LH-295
Table 211: Irish Life Assurance Market (2006 & 2007):
Percentage Breakdown of Gross Premium Income by Policy
Type - Individual Assurances and Annuities, Pension
Scheme Business, Self-Employed Pensions & Associated
Business (Including PRSAs), Permanent Health Insurance
(PHI), and Industrial Branch (IB) Business (includes
corresponding Graph/Chart) LH-295

Table 212: Irish Life Assurance Market (2006 & 2007):
Percentage Breakdown of Benefits and Claims Paid by
Policy Type (includes corresponding Graph/Chart) LH-296

Table 213: Irish Life and Pension Insurance Market: Gross
Premiums US$ Billion for the Years 2001 through 2005
(includes corresponding Graph/Chart) LH-296

Table 214: Irish Life Assurance Market (2005): Percentage
Breakdown of Gross Premium Income by Policy Type -
Individual Assurances and Annuities, Industrial Branch
Business, Permanent Health Insurance, Pension Scheme
Business, and Self-Employed Pensions & Associated
Business (includes corresponding Graph/Chart) LH-296

Table 215: Irish Life Assurance Market (2005): Percentage
Breakdown of Benefits and Claims Paid by Policy Type -
Critical Illness, Individual Assurances and Annuities,
Industrial Branch Business, Permanent Health Insurance,
Pension Scheme Business, and Self-Employed Pensions &
Associated Business (includes corresponding Graph/Chart) LH-297

Table 216: Irish Life Assurance Market (2005): Percentage
Breakdown of Distribution Channel for Annual and Single
Premium Generation by Segment - Agents, Brokers, Direct,
Employee & Company Representatives, and Tied Agents
(includes corresponding Graph/Chart) LH-297
Market Leaders LH-298
Table 217: Leading Players in Irish Life Insurance Market
(2006 & 2007): Percentage Market Share of Gross Premium
Income by Company - BoI Life (Bank of Ireland Life -
Includes New Ireland Assurances), Irish Life, Hibernian
Life Holdings Ltd. (Includes Ark Life), Eagle Star Life,
Friends First Life and Others (includes corresponding
Graph/Chart) LH-298

Table 218: Leading Players in Irish Pensions Market (2006 &
2007): Percentage Market Share of Gross Premium Income by
Company - Irish Life, BoI Life (Bank of Ireland Life -
Includes New Ireland Assurances), Hibernian Life Holdings
Ltd. (Includes Ark Life), Eagle Star Life, Standard Life,
Friends First Life, Canada Life and Others (includes
corresponding Graph/Chart) LH-299

Table 219: Leading Players in Irish Life Insurance and
Pensions Market (2006 & 2007): Percentage Breakdown of
Total Market Share (Life and Pension Businesses) of Gross
Premium Income by Company - BoI Life (Bank of Ireland Life
- Includes New Ireland Assurances), Irish Life, Hibernian
Life Holdings Ltd. (Includes Ark Life), Eagle Star Life,
Friends First Life, and Others (includes corresponding
Graph/Chart) LH-300

Table 220: Irish Life Assurance Market (2005): Gross
Premium Income for Life and Pension Business by Company -
Ark Life, BoI Life, Canada Life, Eagle Star Life, Friends
First Life, Hibernian Life, Irish Life, Standard Life,
Royal Liver, and Others(includes corresponding Graph/Chart) LH-301

Table 221: Irish Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Irish Life, New Ireland, Ark, Hibernian Life & Pens, Eagle
Star Life, Standard Life, Canada Life Ass. (Irl), Friends
First Life Ass., Friends First Man. Pen., and Anglo Irish
Assurance (includes corresponding Graph/Chart) LH-302

Table 222: Top-Five Players in the Life Insurance Industry
of Ireland (2002) - Gross Written Premium in US$ Million
for Irish Life, New Ireland, Ark, Hibernian Life &
Pensions, and Standard Life (includes corresponding
Graph/Chart) LH-302
Latvia LH-303
Sector Representation & Market Size LH-303
Market Leaders LH-303
Table 223: Latvian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for
Ergo Latvija Dziviba, Balta Dziviba, Seesam Life, Latvia,
Sampo Dziviba, and Baltikums Dziviba (includes
corresponding Graph/Chart) LH-303
Lithuania LH-304
Sector Representation & Market Analysis LH-304
Table 224: Lithuanian Recent Past, Current & Future
Analysis for Life Insurance Industry: Annual Premium Income
in US$ Million for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-304
Market Leaders LH-305
Table 225: Lithuanian Life Insurance Industry 2004): Gross
Written Premium in US$ Million by Leading Companies for
Hansa Gyvybes Draudimas, ERGO Lietuvus Gyvybes Draudimus,
VB Gyvybes Draudimas, Commercial Union, Sampo Gyvybes
Draudimas, Lietuvos Draudimas, Bonum Publicum, Seesam
Lietuva Gyvybes Draudimas, PZU Lietuva Gyvybes Draudimas,
and Lindra - Gyvybes Draudimas (includes corresponding
Graph/Chart) LH-305
Luxembourg LH-305
Sector Representation & Market Size LH-305
Market Leaders LH-306
Table 226: Top-Five Players in the Life Insurance Industry
of Luxembourg (2002) - Gross Written Premium in US$ Million
for Swisslife, La Luxembourgeoise-Vie, Le Foyer-Vie, Fortis
Luxembourg Vie, and AGF Life Luxembourg (includes
corresponding Graph/Chart) LH-306
Malta LH-306
Sector Representation & Market Analysis LH-306
Norway LH-306
Sector Representation & Market Analysis LH-306
Market Leaders LH-306
Table 227: Norwegian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for
Vital, Storebrand, KLP, Nordea, Sparebank 1 Liv, Gjensidige
NOR Forsikring, Vesta Forsikring, Danica Pensjon,
Handelsbanken Liv, and Danica Fonds forsikring (includes
corresponding Graph/Chart) LH-307

Table 228: Top-Five Players in the Life Insurance Industry
of Norway (2001) - Gross Written Premium in US$ Million for
KLP, Storebrand, Vital, Gjensidige NOR Spare, and Sparebank
(includes corresponding Graph/Chart) LH-307
Poland LH-308
Sector Representation & Market Analysis LH-308
Market Leaders LH-308
Table 229: Polish Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for PZU
Zycie, Commercial Union, Amplico Life, ING Nationale
Nederlanden, Warta Vita, Allianz Polska, Prumerica,
Nationwide, Europa, and Cardif Polska (includes
corresponding Graph/Chart) LH-308

Table 230: Top-Five Players in Polish Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
PZU Zycie, Commercial Union, Amplico Life, ING Nationale
Nederlanden, and Warta Vita (includes corresponding
Graph/Chart) LH-309
The Pension Sector LH-309
Compulsory Pension (Contributory) LH-309
Safety Net Pension (Non-Contributory) LH-310
Occupational Pensions (Voluntary) LH-310
Personal Pension and Other Retirement Savings (Voluntary) LH-310
Portugal LH-310
Portuguese Insurance Industry - Current Market Trends LH-310
Sector Representation & Market Analysis LH-310
Life Products and Retirement Savings Drive the Portuguese
Insurance Sector LH-311
Market Leaders LH-311
Table 231: Portuguese Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Occidental Vida, Fidelidade Vida, Tranquilidade Vida, BPI
Vida, Totta Seguros, Acoreana, AXA VidaImperio Bonanca,
Real Vida, and Eurovida (includes corresponding
Graph/Chart) LH-311

Table 232: Top-Five Players in the Life Insurance Industry
of Portugal (2002) - Gross Written Premium in US$ Million
for Occidental Vida, Fidelidade Vida, Tranquilidade Vida,
Totta Seguros, and BPI Vida (includes corresponding
Graph/Chart) LH-312
Romania LH-312
Sector Representation & Market Analysis LH-312
Life Insurance Majors LH-312
Table 233: Romanian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for ING
Life, Asirom, Omniasig Viata, AIG Life, Asiban, Aviva,
Allianz-TiriacLukoil Asito, Interamerican, and Unita
(includes corresponding Graph/Chart) LH-313

Table 234: Top-Five Players in the Romanian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
ING Nederlanden, Asirom, AIG Life, Aviva, and Omniasig
Viata (includes corresponding Graph/Chart) LH-313
Health Care Insurance Market - A Historic Review LH-314
Health Care Delivery - A Backgrounder LH-314
Transformation of Health Care System LH-314
Primary Health Care Services LH-315
Key Player LH-315
Serbia and Montenegro LH-315
Sector Representation & Market Analysis LH-315
Market Leaders LH-315
Table 235: Life Insurance Industry of Serbia and Montenegro
(2003): Gross Written Premium in US$ Million by Leading
Companies for SERBIA, Zepter, Grawe, Dunav, DDOR Novi Sad,
and Delta (includes corresponding Graph/Chart) LH-316
Slovakia LH-316
Sector Representation & Market Analysis LH-316
Economic Growth Brightens Prospects LH-316
Key Trends and Issues LH-316
Consolidation and Liberalization Mark the Market LH-316
Low Level of Insurance Penetration LH-317
Superfluity of Illegal Transactions Taint the Image of the
Industry LH-317
Legislative Reforms LH-317
Key Changes LH-317
Amendments to Insurance Act LH-318
Market Leaders LH-318
Table 236: Top-Five Players in the Slovakian Life Insurance
Industry (2003) - Gross Written Premium in US$ Million for
Allianz poistovna, Amslico AIG Life, Kooperativa poistovna,
Nationale Nederlanden, and Kontinuita poistovna (includes
corresponding Graph/Chart) LH-318
Review of Market Dynamics in the New Millennium LH-319
A Backdrop LH-319
Table 237: Insurance Industry in Slovakia (1999-2001):
Life Insurance Premium in SKK Billion and Market Share in
% (includes corresponding Graph/Chart) LH-320

Table 238: Insurance Industry in Slovakia (1999-2001): Per
Capita Premium for Life Insurance in US$ (includes
corresponding Graph/Chart) LH-320

Table 239: Insurance Industry in Slovakia (1999-2001):
Life Premium Written in US$ Million and as Percentage of
GDP (includes corresponding Graph/Chart) LH-320
Brimming with Insurance Companies LH-320
Table 240: Insurance Industry in Slovakia (1999 & 2000):
Premiums Written by Type of Insurance (In %) (includes
corresponding Graph/Chart) LH-321

Table 241: Insurance Industry in Slovakia (1999-2001):
Growth in Insurance Market (In %) (includes corresponding
Graph/Chart) LH-322
Leading Players LH-322
Table 242: Insurance Industry in Slovakia (2001): Leading
Life Insurers by Written Premium in US$ Million (includes
corresponding Graph/Chart) LH-323
Foreign Companies - Highly Active LH-323
Slovenia LH-324
Sector Representation & Market Analysis LH-324
Market Primer LH-324
Popular Insurance Products LH-324
Slovenian Life Insurance Market by Type LH-324
Table 243: Slovenian Life Insurance Market (2004):
Percentage Share Breakdown by Insurance Type for Death and
Endowment- Mixed Insurance, Life Under ZPIZ-1, Life Under
ZZavar, Additional Insurance, Annuity and Others (includes
corresponding Graph/Chart) LH-324
Market Leaders LH-325
Table 244: Slovenian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for
Triglav, Pension Fund Management, Maribor, Merkur, NLB
Vita, Grawe, Slovenica, Generali, Adriatic, and Fund for
Craftsmen and Entrepreneurs (includes corresponding
Graph/Chart) LH-325

Table 245: Slovenian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Triglav, Maribor, Pension Fund Management, Merkur, Grawe,
Slovenica, Generali SKB, NLB VITA, Adriatic, and Fund for
Craftsman and Entrepreneurs (includes corresponding
Graph/Chart) LH-326

Table 246: Top-Five Players in the Life Insurance Industry
of Slovenia (2002) - Gross Written Premium in US$ Million
for Triglav, Maribor, Merkur, Grawe, and Adriatic (includes
corresponding Graph/Chart) LH-326
Sweden LH-327
Sector Representation & Market Analysis LH-327
Table 247: Swedish Recent Past, Current & Future Analysis
for Life Insurance Industry: Annual Premium Income in SEK
Billion for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-327
Insurers Enter Banking LH-327
Demographic Changes and the Pension System LH-327
Table 248: Swedish Life Insurance Market (2007 & 2008):
Percentage Market Share of Premiums for Unit Linked and
Other Life Insurance by Category - Occupational Pension,
Endowment, Private Pension, Accident and Health, Group Life
and Others (includes corresponding Graph/Chart) LH-328

Table 249: Swedish Insurance Market (2006 & 2007):
Percentage Market Share of Assets of Life Insurance
Companies by Category - Shares, Bonds, Real Estate and
Others (includes corresponding Graph/Chart) LH-329
Market Leaders LH-329
Table 250: Leading Players in Swedish Life Insurance Market
(2006 & 2007): Percentage Market Share of Premiums for Unit
Linked and Life Insurance by Company - Skandia, SEB,
Folksam, Handelsbanken, AMF Pension, Swedbank Försäkr.,
Länsförsäkringar and Others (includes corresponding
Graph/Chart) LH-329
Life Insurance - A Past Perspective LH-330
Table 251: Swedish Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for
Alecta, Skandia Liv, AMF Pension, SEB TL Fond, Skandia
Link, SPP Liv, Robur Fors, Folksam Liv, LF Liv, and SHB
Liv (includes corresponding Graph/Chart) LH-330

Table 252: Top-Five Players in the Swedish Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Alecta, Skandia Liv, AMF Pension, Skandia Link, and SPP
Liv (includes corresponding Graph/Chart) LH-330
Switzerland LH-331
Sector Representation & Market Analysis LH-331
Table 253: Swiss Recent Past, Current & Future Analysis for
Insurance Industry: Annual Premium Income in CHF Billion
for the Years 2006 through 2010 (includes corresponding
Graph/Chart) LH-331

Table 254: Insurance Industry in Switzerland (2006): Per
Capita Premium in US$, and Penetration of Insurance by
Category - Life and Non-Life LH-331
Hub for Financial Services Sector LH-331
Insurance Market Overview LH-332
Sagging Market for Life and Pensions LH-332
Table 255: Swiss Life Insurance Market (2006 & 2007):
Percentage Market Share of Premiums by Segment -
Occupational Pensions, Endowment Insurance, Unit-Linked
Life Insurance and Annuity Insurance (includes
corresponding Graph/Chart) LH-332

Table 256: Swiss Life Insurance Market (2005): Premiums in
CHF Million by Segment - Annuity Insurance, Endowment
Insurance, Occupational Pensions, and Unit-Linked Life
Insurance (includes corresponding Graph/Chart) LH-333

Table 257: Swiss Life Insurance Market (2005): Percentage
Breakdown by Claims Paid by Segment - Annuity Insurance,
Endowment Insurance, Occupational Pensions, and Unit-Linked
Life Insurance (includes corresponding Graph/Chart) LH-333
Market Leaders LH-333
Table 258: Leading Players in the Swiss Group Life Market
(2006 & 2007): Percentage Breakdown of Market Share by
Company - Swiss Life, Winterthur/ AXA, ZFS, Baloise,
Helvetia and Others (includes corresponding Graph/Chart) LH-333

Table 259: Leading Players in the Swiss Domestic Life
Market (2006 & 2007): Percentage Breakdown of Market Share
by Company - Swiss Life, AXA, Baloise, ZFS (Zurich Leben),
Patria, and Others (includes corresponding Graph/Chart) LH-334

Table 260: Leading Players in the Swiss Individual Life
Market (2002-2004): Percentage Breakdown of Market Share by
Company for Swiss Life, Winterthur, Generali, ZFS, Baloise,
HelvetiaPat and Others (includes corresponding Graph/Chart) LH-334
Ukraine LH-335
Sector Representation & Market Analysis LH-335
Market Leaders LH-335
Table 261: Life Insurance Industry in Ukraine (2003): Gross
Written Premium in US$ Million by Leading Companies for
Grawe Ukraina, Alico AIG Life, TAS, Aska Zhittya, Ekko,
Jupiter, Blakitniy Polis, Nadiya, Garant Life, and
Universalnaya (includes corresponding Graph/Chart) LH-335

Table 262: Top-Five Players in the Life Insurance Market of
Ukraine (2002) - Gross Written Premium in US$ Million for
Grawe, TAS, Ekko, Jupiter, and Aska (includes corresponding
Graph/Chart) LH-336
Yugoslavia LH-336
Sector Representation & Market Analysis LH-336
Czech Republic LH-336
Czech Insurance Market on an Increasing Spree LH-336
Sector Representation & Market Size LH-336
Changing Demographics Spell Growth for Insurance Products LH-337
Failings of ‘Pay-as-you-Go’ System Propel Private Pension Funds LH-337
Life Insurance - An Overview LH-337
Growing Steadily LH-337
Major Products LH-338
Term Life LH-338
Credit Life LH-338
Whole of Life LH-338
Key Man LH-338
Endowment LH-338
Group Life Assurance LH-339
Unit-Linked Contracts LH-339
Common Riders LH-340
Underwriting Criteria LH-340
Distribution Scene LH-340
Market Leaders LH-340
Table 263: Czech Republic Life Insurance Industry(2004):
Gross Written Premium in US$ Million by Leading Companies
for Ceska pojistovna, Kooperativa, ING
Nationale-Nederlanden, CSOB Pojistovna, Pojistovna CS,
Komercni pojistovna, Allianz, AMCICO AIG Life, Generali,
and Credit Suisse (includes corresponding Graph/Chart) LH-341

Table 264: Top-Five Players in the Life Insurance Industry
of Czech Republic (2002) - Gross Written Premium in US$
Million for Ceska Pojistovna, Nationale Nederlanden,
Pojistovna CS, CSOB Pojistovna, and Kooperativa Pojistovna
(includes corresponding Graph/Chart) LH-341
Pensions - An Overview LH-341
Annuities LH-341
Government Pensions LH-342
Company Pensions LH-342
Background LH-342
Benefits Offered LH-343
Distribution Trends LH-343
Individual Pensions LH-344
Tax Benefits LH-344
Multinational Pools LH-345
A Recent Past Market Review LH-345
Table 265: Pension Funds in the Czech Republic
(1998-2001): Members, Contributions and Assets (Members in
Thousands, Contribution and Assets in CZK Billion)
(includes corresponding Graph/Chart) LH-345

Table 266: Czech Pensions Market by Premium in US$ Million
for 1998-2000 (includes corresponding Graph/Chart) LH-346

Table 267: Czech Republic Insurance Industry (1999-2001):
Distribution of Pension Fund Members by Age Group (In %)
(includes corresponding Graph/Chart) LH-346

Table 268: Czech Republic Insurance Industry (1998-2001):
Growth in Pension Fund Contributions (In %) (includes
corresponding Graph/Chart) LH-347

Table 269: Leading Pension Funds in the Czech Republic by
Members and Assets for 2001 (Assets in CZK Million)
(includes corresponding Graph/Chart) LH-347

Table 270: Czech Republic Insurance Industry (1999-2001):
Percentage Breakdown of Investment Distribution of Pension
Assets (includes corresponding Graph/Chart) LH-348

Table 271: Czech Republic Insurance Industry (1998-2000):
Individual Pension Premiums Written by Life Insurers (In
CZK Million) (includes corresponding Graph/Chart) LH-349
Other Employee Benefit Plans LH-349
Table 272: Group Insurance Premiums by Class in Czech
Republic for 2000 (In CZK Million) (includes corresponding
Graph/Chart) LH-349
Regulatory Norms LH-349
Health Insurance Scenario Satisfactory LH-350
Changing Demographics Spell Growth for Insurance Products LH-350
Health Insurance - A Perspective LH-350
Compulsory Insurance LH-351
Key Private Health Insurers LH-351
Group Schemes LH-351
Industry Structure LH-351
Insurance Groups LH-352
Financial Services Companies LH-352
Associations LH-353
Foreign Participation LH-353
Eligibility for Conducting Insurance Operations LH-353
Headed for a Reforms-Driven Growth LH-353
An Overview of Distribution Channels LH-354
Direct Marketing LH-354
Bancassurance LH-354
The Internet LH-354
Multi-Level Marketing LH-354
Agencies LH-354
Insurance and Reinsurance Brokers LH-355
Independent Financial Advisers LH-355
Employee Benefit Consultants LH-355
Regulatory Bodies LH-355
For Life LH-355
Annual Returns LH-356
For Pensions LH-356
A Historical Perspective of the Market LH-356
Insurance Industry The Timeline LH-356
A Review of the Market Constitution and Growth LH-357
Tax Relief Provision LH-357
Single-Premium Endowments Rise LH-358
Table 273: Czech Republic Life and Non-Life Insurance
Penetration (as % of GDP): 2001 LH-358

Table 274: Czech Republic Insurance Industry (2001):
Premium Written in US$ Million by Sector (includes
corresponding Graph/Chart) LH-358

Table 275: Czech Republic Insurance Industry (2001): Per
Capita Premium in US$ for Life and Non-Life Sectors LH-359

Table 276: Czech Republic Per Capita Life and Non-Life
Premium in Comparison with Neighboring Countries for 2001
(Premium per Capita in US$) (includes corresponding
Graph/Chart) LH-359

Table 277: Czech Republic Insurance Industry (2001):
Leading Companies by Premium Income in US$ Million
(includes corresponding Graph/Chart) LH-360
Foreign-Owned Companies in the Czech Republic: 2001 LH-360
Table 278: Break-up of Market Share Between Local and
Overseas Players for 2001 (includes corresponding
Graph/Chart) LH-361
Czech Insurance Sector Features Among Top 50 Markets for
Insurance Worldwide LH-361
Table 279: Czech Republic Insurance Industry (2000):
Leading Insurance Companies by Prescribed Premiums in
Million Korunas (includes corresponding Graph/Chart) LH-361
Denmark LH-362
Sector Representation & Market Analysis LH-362
Table 280: Danish Recent Past, Current & Future Analysis
for Insurance Industry: Gross Premium Income in DKK Million
for the Years 2005 through 2009 (includes corresponding
Graph/Chart) LH-362
A Mature Industry LH-362
Mortgages and Life Insurance - Promising Areas of Growth LH-362
Competitive Landscape LH-363
Market Leaders LH-363
Table 281: Danish Life Insurance and Pension Market (2006 &
2007): Percentage Breakdown of Market Share by Leading
Companies (includes corresponding Graph/Chart) LH-363

Table 282: Danish Pension Market (2003 - 2007): Total
Pension Assets Held by Institutional Investors in DKK
Million (includes corresponding Graph/Chart) LH-364

Table 283: Danish Pension Market (2006 & 2007): Percentage
Breakdown of Pension Assets Held by Institutional Investors
- Life Insurance, Pension Funds, Banks, ATP and Others
(includes corresponding Graph/Chart) LH-364
Life Insurance Industry in the Recent Past LH-365
Table 284: Danish Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Danica Pension, PFA Pension, K.P., Nordea Liv A/S,
Industriens Pension, Pen-Sam Liv, Bygge- og Anlaeg, Danica
Pension I, Laerernes Pension, and Kvindelige Arbejdere
(includes corresponding Graph/Chart) LH-365

Table 285: Top-Five Players in the Life Insurance Industry
of Denmark (2002) - Gross Written Premiums in US$ Million
for PFA Pension, Danica Pension, K.P, Nordea Liv, and
Industriernas Pension (includes corresponding Graph/Chart) LH-365

Table 286: Life Insurance and Pension Market of Denmark
(2002): Percentage Breakdown of Insurance Firms’
Investment by Category for Bonds, Shares, Subsidiaries,
and Other Assets (includes corresponding Graph/Chart) LH-366

Table 287: Personal Accident, Health and Disability
Insurance Industry in Denmark 2002): Gross Premium and
Gross Claims in DKK Million by Companies (includes
corresponding Graph/Chart) LH-366
A Mid 90’s Review LH-367
Deregulation of the Financial Services Market LH-367
Netherlands LH-367
Sector Representation & Market Analysis LH-367
Table 288: Life Insurance Industry in The Netherlands
(2005): Penetration of Insurance, and Per Capita Premium in
US$ LH-367
Sturdy Growth of Life Insurance LH-367
Promising Developments in Accident & Health Insurance LH-368
Occupational Disability Insurance Sector LH-368
ING Leads the Race LH-368
Distribution System - An Overview LH-368
Market Leaders LH-369
Table 289: Life Insurance Industry in The Netherlands
(2004): Percentage Market Share by Leading Companies - ABN
Amro, Achmea, Aegon, Axa, Delta Lloyd, Fortis, ING,
Rabobank, Swiss Life, SNS, and Others (includes
corresponding Graph/Chart) LH-369

Table 290: Life Insurance Industry in The Netherlands
(2002): Gross Written Premium in US$ Billion by Leading
Companies for Nationale Nederlanden Leven, AEGON Leven,
Interpolis BTL, Delta Lloyd Leven, Achmea Pensioen- en
Leven, AMEV Leven, Hooge Huys Leven, Zwitserleven, Stad
Rotterdam Leven, and ABN Amro Leven (includes corresponding
Graph/Chart) LH-370

Table 291: Top-Five Players in the Dutch Life Insurance
Industry (2001) - Gross Written Premium in US$ Million for
Nationale-Nederlanden Leven, AEGON Leven, Interpolis BTL,
Achmea Pensioen, and Delta Lloyd Leven (includes
corresponding Graph/Chart) LH-370

5e. Asia Pacific LH-371
Liberalization Unfurls Bountiful Opportunities LH-371
Strong Economy Peps Up the Market LH-371
Table 292: Life Insurance Market in Asia-Pacific (2004-2007):
Countries Ranked by Growth Rates - Vietnam, Peoples Republic
of China, India, Thailand, Indonesia, Hong Kong, Malaysia,
Philippines, South Korea, Taiwan, and Australia (includes
corresponding Graph/Chart) LH-371
A Historic Review LH-372
Foreign Entrants - Pros and Cons LH-372
The Positives LH-372
Driving Factors for Asian Foray LH-372
Creating a Win-Win Situation LH-372
The Negatives LH-373
Regulatory Obstacles LH-373
A Risky Proposition LH-373
Political Risks LH-373
Exchange Rate Fluctuations LH-373
Natural Calamities LH-374
Cultural Differences LH-374
Under-Developed Distribution Networks LH-374
Bancassurance - A perfect Channel in Asian Markets LH-374
Undeterred Players LH-374
Asia-Pacific Life Insurance Industry (2004): Leading Foreign
Companies in China, Hong Kong, India, Japan, Korea,
Malaysia, Taiwan, Singapore and Thailand LH-375
Outlook LH-375
Changing Environment Adds to Appeal LH-375
Rationale for High Growth Prospects in Asia LH-376
India and China Bring Immense Potential LH-376
Other Asian Markets Not Far Behind LH-377
A Peek into the Recent Past Market Numbers LH-377
Table 293: Insurance Industry in Asia-Pacific (2000): Major
Insuring Nations by Written Premium in US$ Billion (includes
corresponding Graph/Chart) LH-377

Table 294: Insurance Industry in Asia-Pacific (2000): Key
Nations for Life Insurance by Written Premium in US$ Billion
(includes corresponding Graph/Chart) LH-378

5e(i). Key Insurance Markets in Asia Pacific LH-379
A.Australian Market LH-379
Australian Insurance Industry - A Market Summary LH-379
An Overview of Australian Life Insurance Industry LH-379
Australian Health Insurance Industry LH-380
Sector Representation & Market Size LH-380
Table 295: Australian Life Insurance Industry: Premium
Income in US$ Billion and Per Capita Premium in US$ for 2005 LH-380
Life Insurance Product Market Overview LH-380
Table 296: Australian Life Insurance Industry (2006):
Percentage Breakdown by Policy Type for Superannuation and
Ordinary (includes corresponding Graph/Chart) LH-381

Table 297: Australian Life Insurance Industry (2004):
Percentage Breakdown by Policy Type for Superannuation and
Ordinary (includes corresponding Graph/Chart) LH-381
Australia to Regulate Life Insurance Companies Through New
Standards LH-381
Australia to Account for 50% of Asian Pension Assets by 2015 LH-382
Presence of Insurance Brokers in Australian Insurance Industry LH-382
Presence of Foreign Insurance Companies in Australian
Insurance Industry LH-382
Highly Effective Distribution System LH-382
Competitive Landscape LH-383
Table 298: Leading Players in Australian Life Insurance
Industry (2006): Percentage Market Share by Premiums of
Major Companies - AMP, Colonial/CBA, ING/ANZ, National Aust
/ MLC, Westpac, and Others (includes corresponding
Graph/Chart) LH-383

Table 299: Australian Life Insurance Industry (2006): New
Business Premiums (Single and Regular) in $ Million for
Select Companies - AMP, Aviva, Colonial/CBA, ING/ANZ,
MetLife, National Aust/MLC, National Mutual/AXA, St Andrews
Life, Tower Life, Westpac, and Others (includes
corresponding Graph/Chart) LH-384

Table 300: Australian Life Insurance Market (2004): Premiums
Received, and Brokerage Income in A$ Million for Select
Brokers - Associated Planners Financial Services Ltd,
Charles McMillan & Associates Pty Ltd, Cuna Mutual Insurance
Brokers Pty Ltd, G L Phillips & Company Pty Ltd, and Others
(includes corresponding Graph/Chart) LH-385

Table 301: Australian Life Insurance Industry (2004): Gross
Written Premium in A$ Million by Company/Group for AMP,
National Aust/MLC, ING/ANZ, Colonial/CBA, Westpac National
Mutual/AXA, Macquarie Life, Citicorp Life, Tower Life, and
Zurich Life (includes corresponding Graph/Chart) LH-385

Table 302: Australian Life Insurance Industry (2004): New
Business (Single & Regular) Premium in A$ Million by Leading
Company/Group for Citicorp Life, Westpac, Colonial/CBA,
ING/ANZ, National Aust/MLC, National Mutual/AXA, AMP, Aviva,
Tower Life, AIG and Others (includes corresponding
Graph/Chart) LH-386

Table 303: Australian Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for AMP,
MLC, ING, AXA, Westpac Life, and Colonial Mutual (includes
corresponding Graph/Chart) LH-386

Table 304: Top-Five Players in the Australian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
AMP, MLC, ING, AXA, and Westpac Life (includes corresponding
Graph/Chart) LH-387
A Past Perspective LH-387
Key Changes in the Marketplace LH-387
Privatization LH-387
Recession Gives Way to Recovery LH-387
Table 305: Insurance Industry in Australia (2000 & 2001):
Number of Insurers by Type for Private Sector, and Public
Sector (includes corresponding Graph/Chart) LH-388
Corporate Restructuring LH-388
Major Corporate Restructures in Australian Private Sector LH-388
Ubiquity of Cost Shifting - A Key Characteristic of Health
Insurance Market LH-389
‘Gap’ Refocused LH-389
Medicare - A Backgrounder LH-389
Health Insurance Industry Highlights LH-389
Outlook LH-390
Table 306: Australian Health Insurance Industry (2004):
Percentage Market Share by Major Players - Australian
Health Management Group Ltd, Australian Unity Health Ltd,
BUPA Australia Health Pty Ltd, MBF Alliances Pty Ltd,
Hospitals Contribution Fund of Australia, Medibank Private
Ltd, and Others (includes corresponding Graph/Chart) LH-390
B.Chinese Market LH-390
A ‘Giant’ Opportunity LH-390
Table 307: Chinese Life Insurance Industry: Premium Income
in US$ Billion, Per Capita Premium in US$, and Penetration
of Insurance for 2005 LH-391

Table 308: Chinese Life Insurance Industry (2002- 2004):
Percentage Breakdown of Life Insurance Depth (Premium/ GDP)
(includes corresponding Graph/Chart) LH-391

Table 309: Chinese Life Insurance Industry (2002- 2004):
Life Insurance Density (Premium/Capita) in Rmb (includes
corresponding Graph/Chart) LH-391
Sector Representation & Market Overview LH-391
Table 310: Chinese Recent Past, Current & Future Analysis
for Life Insurance Industry with Premiums in US$ Million for
the Years 2006 through 2010 (includes corresponding
Graph/Chart) LH-392
Insurance Market Outlook LH-392
Big Potential for Global Insurance LH-393
Industry in China LH-393
China - Asia’s Leading Insurance Market LH-393
High Savings Rates Prop Growth LH-393
Cultural Barriers - A Hitch LH-393
A Marked Tilt Towards Life LH-393
Table 311: Chinese Life Insurance Market (2007 & 2008):
Percentage Breakdown of Premiums by Policy Type for
Individual Life Insurance, Health Insurance, and Accident
Insurance (includes corresponding Graph/Chart) LH-394

Table 312: Chinese Life Insurance Industry: Life Insurance
Premiums In US$ Billion for 2000-2004 (includes
corresponding Graph/Chart) LH-394
‘Individual’ Market LH-395
Table 313: China’s Life Insurance Premium (2000-2004):
Percentage Share of Premium by Policy Type - Individual
Life, Group Life, Accident and Health (includes
corresponding Graph/Chart) LH-395

Table 314: Chinese Life Insurance Industry (2005):
Percentage Breakdown of Premiums by Distribution Channel -
Individual Sales, Insurer/Intermediaries, Insurance
Brokers, Insurance Intermediaries, and Others (includes
corresponding Graph/Chart) LH-395
Major Life Insurance Companies Operating in China (As of 2006) LH-396
Competition Hots Up LH-396
Table 315: Leading Players in Chinese Life Insurance Market
(2006 & 2007): Percentage Breakdown of Premiums by Company
- China Life Group, Ping An Insurance, China Pacific, New
China Life, Taikang Life, Tai Ping Life, Minsheng Life,
Sino Life, Other Local Life Insurers, and Foreign Life
Insurers (includes corresponding Graph/Chart) LH-397

Table 316: Leading Players in the Chinese Life Insurance
Market (2004 & 2005): Percentage Breakdown by Value of
Premium Written for - China Life, CLIC, China Pacific and
Ping An (includes corresponding Graph/Chart) LH-398

Table 317: Chinese Life Insurance Industry (2003):
Percentage Value Breakdown of Premiums by Product Type for
CLIC & China Life, Ping An, China Pacific, and Others
(includes corresponding Graph/Chart) LH-399

Table 318: Chinese Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for
China Life, Ping An Life, China Pacific Life, New China
Life, Taikang Life, Tai Ping Life, AIA (Shanghai), AIA
(Guangzhou), ING Pacific, and Zong Hong (Shanghai)
(includes corresponding Graph/Chart) LH-399

Table 319: Leading Players in Chinese Life Insurance Market
(2002): Percentage Share Breakdown by Written Premiums for
China Life, Ping An, China Pacific, New China Life, Taikang
Life, AIA (AIG) and Others (includes corresponding
Graph/Chart) LH-400
A Provincial Perspective LH-400
Table 320: Life Insurance Penetration Percentage for Select
Cities in China (2005) (includes corresponding Graph/Chart) LH-400

Table 321: China’s Top Ten Province/City (2003): Life
Insurance Density (Premium/Person), Percentage Share of
Life Insurance Depth (Premium/GDP) and No. of Domestic/
Foreign Insurers (includes corresponding Graph/Chart) LH-401

Table 322: Competitive Landscape Across the Top Provinces
in China: 2003 (includes corresponding Graph/Chart) LH-402
Shanghai & Beijing: Insurance Hubs LH-402
China-Funded Companies Dominate the Market LH-402
Rise in Foreign Insurers Energizes the Insurance Market LH-402
Hiked Competition Forces Premiums Down LH-403
The Wave of Reforms LH-403
Market Trends and Issues LH-403
Chinese Insurers Gear Up for Expanded Investment Avenues LH-403
Foreign Owned Insurers: Screening Out the Ceiling Effect LH-403
Chinese Insurance Industry - A Backgrounder LH-403
Commercial Insurance Industry Takes Roots in 1978 LH-403
Regulatory Mechanisms LH-404
Role of China Insurance Regulatory Commission (CIRC) LH-404
Restrictions on Foreign Ownership LH-404
Introduction of Compulsory Third Party Liability LH-405
Opening Up of China LH-405
Gradual Opening Up of the Market LH-405
China’s Admission into WTO Fuels the Growth of Insurance Sector LH-405
The Repercussions LH-406
Healthcare Insurance Market - Taking Rapid Strides LH-406
Rising Per Capita Health Care Spending in China Spells
Growth for Medical Insurance LH-406
C.Hong Kong Market LH-407
Sector Representation & Market Analysis LH-407
Table 323: Hong Kong Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Million for the Years 2005 through 2009 (includes
corresponding Graph/Chart) LH-407

Table 324: Insurance Industry in Hong Kong (2006): Per
Capita Premium in US$ and Premium as % of GDP by Category -
Life and Non-Life LH-407
Market Penetration LH-408
Table 325: Hong Kong Life Insurance Industry (2006 & 2007):
Percentage Breakdown of Gross Written Premiums by Policy
Type for Non-linked Insurance and Linked Insurance LH-408

Table 326: Hong Kong Life Insurance Industry (2006 & 2007):
Percentage Breakdown of Gross Written Premiums by Policy
Type for Individual Life, Group Life, Retirement Scheme, and
Annuity & other (includes corresponding Graph/Chart) LH-409

Table 327: Hong Kong Insurance Industry (2000-2004):
Percentage Breakdown of Life and Non-Life Insurance
Penetration (Premium/GDP) (includes corresponding
Graph/Chart) LH-409

Table 328: Hong Kong Insurance Industry (2000-2004): Life
and Non-Life Insurance Density (Premium/POP) (In ‘000 HK$)
(includes corresponding Graph/Chart) LH-410
Life Insurance Products LH-410
Table 329: Hong Kong Life Insurance Industry (2000- 2004):
Individual Life Premium In $ Billion (includes corresponding
Graph/Chart) LH-410
Market Players LH-410
Table 330: Hong Kong Life Insurance Industry (2004): Premium
Revenue in US $ Billion and Percentage Value Breakdown of
Leading Insurance Companies for AIA, HSBC Life, Manulife,
Prudential, AXA, China Life, Winterthur Life, Hang Seng
Life, Royal Skandia Life and BOC Group Life (includes
corresponding Graph/Chart) LH-411

Table 331: Hong Kong Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for AIA
(Bermuda), Manulife, HSBC Life, Prudential (UK), AXA China
(Bermuda), Hang Seng Life, Winterthur Life, CMG Asia, Royal
Skandia Life, and ING Life (includes corresponding
Graph/Chart) LH-411

Table 332: Top-Five Players in the Life Insurance Industry
of Hong Kong (2002) - Gross Written Premiums in US$ Million
for AIA (Bermuda), Manulife (International), HSBC Life, AXA
China (Bermuda), and Prudential (UK) (includes corresponding
Graph/Chart) LH-412
A Leading Insurance Market in Asia-Pacific LH-412
Long Term Insurance Sector Growing Steadily LH-412
Insurance Service Providers LH-412
Table 333: Hong Kong Insurance Industry (2004): Number of
Insurance Service Providers by Type for General Insurance,
Long Term Insurance, and Composite (includes corresponding
Graph/Chart) LH-413
Strong Foothold of Foreign Insurers LH-413
A Recent Past Perspective LH-413
Recovery Amidst Economic Stagnancy LH-413
Life Insurance: The Dominant Sector LH-413
Table 334: Life and Non-Life Insurance as a Percentage of
GDP in Hong Kong: 1994-2003 (includes corresponding
Graph/Chart) LH-414
Impact of China’s Accession to WTO LH-414
Accident & Health Insurance Flying High LH-414
Healthcare Insurance Quadruples - Marking the Dawn of the
Millennium LH-415
CEPA Agreement Sparks Growth in Hong Kong Insurance Market LH-415
Multi-Channel Distribution Grows in Popularity LH-415
Insurance Business in Hong Kong - The Prerequisites LH-415
Solvency Requirement LH-415
Authorization LH-416
Regulatory Climate LH-416
Functions and Powers of the Insurance Authority LH-416
Regulation of Intermediaries LH-416
D.Indian Market LH-417
Sector Representation & Market Analysis LH-417
Table 335: Indian Recent Past, Current & Future Analysis for
Life Insurance Industry with Premiums in US$ Million for the
Years 2005 through 2012 (includes corresponding Graph/Chart) LH-417

Table 336: Insurance Industry in India (2006): Per Capita
Premium in US$, and Penetration of Insurance by Category -
Life and Non-Life LH-417
Overview of Indian Life Insurance Market LH-418
Growth Drivers LH-418
Growth in Per Capita Income LH-418
Superior Penetration Levels LH-418
Variations in Product Mix LH-418
Long-term Financial Instruments LH-419
Competition and Player Strategies LH-419
Indian Life Insurance Industry to Soar to New Heights LH-419
Pension Segment Offers Huge Potential LH-420
Health Insurance - Gaining Acceptance LH-420
Table 337: Indian Recent Past, Current & Future Analysis for
Health Insurance Market by Premiums Written in US$ Million
for the Years 2006 through 2012. (includes corresponding
Graph/Chart) LH-420
Health Insurance Sector Faces Challenges LH-421
Microinsurance - Vast Untapped Market LH-421
A Promising Market LH-422
Market Potential of India LH-422
India’s Life Insurance Industry Grows Fast and Furious LH-422
Indian Economy - A Goldmine For Foreign Insurance Companies LH-423
Tremendous Potential for Indian Life Insurance Sector LH-423
Penetration of Life Insurance LH-424
Low Growth in the Past LH-424
High Premium Slows Penetration LH-424
Private Insurance Companies Growing Considerably LH-425
Key Private Life Insurers LH-425
Private and Public Face off LH-425
Table 338: Indian Life Insurance Industry (2006): Premium
Underwritten in INR Billion by Insurers - LIC, Aviva, Bajaj
Allianz, Birla Sunlife, HDFC Std. Life, ICICI Prulife, ING
Vysya, Kotak Mahindra, Max New York, Metlife, Sahara, SBI
Life, Shriram Life, Reliance Life, and Tata AIG LH-426

Table 339: Indian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for
LIC, ICICI Prudential, Birla Sunlife, HDFC Standard, Tata
AIG, SBI Life, Allianz Bajaj, Max New York, OM Kotak, and
ING Vysya LH-427

Table 340: Top-Five Players in the Indian Life Insurance
Industry (2003) - Gross Written Premium in US$ Million for
LIC, ICICI Prudential, Birla Sunlife, HDFC Standard, and
Max New York LH-427
ICICI-Prudential - The Leading Private Insurer LH-427
LIC - The Entrenched State-Owned Insurer LH-427
Liberalization of the Indian Market LH-428
The Prelude LH-428
A Walk Unto the Free Market LH-428
Public Insurers Still Going Strong LH-428
Emergence of New Distribution Channels LH-428
Internet - A Potential Distribution Channel LH-429
Reforms Spawn New Entries LH-429
Growing Participation of Overseas Players LH-429
Foreign Players Partnering with Indian Players in the Indian
Insurance Sector LH-430
Performance of Multi-National Companies LH-430
Hurdles All the Way LH-430
Regulatory Body LH-431
Insurance Regulatory and Development Act (IRDA) LH-431
Guidelines for Investment LH-431
Non-Life insurer LH-431
Life Insurer LH-432
IRDA Act Shapes Up the Industry for Future LH-432
Information Technology in the Indian Insurance Industry LH-432
Challenges for the Insurance Industry LH-432
Outlook LH-433
Mongolian Market LH-433
A Recent Past Perspective LH-433
Table 341: Mongolian Personal Accident, Health & Allied
Insurance Market (2003 & 2004): Total Premiums in Million
Togrog by Segment - Disability, Horse Racing, Personal
Accident, Travel, and Others (includes corresponding
Graph/Chart) LH-433

Table 342: Mongolian Personal Accident, Health & Allied
Insurance Market (2003 & 2004): Claims Paid in Million
Togrog by Segment - Disability, Personal Accident, Travel,
and Others (includes corresponding Graph/Chart) LH-434
E.Singapore Market LH-434
Sector Representation & Market Analysis LH-434
Table 343: Singapore Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Million for the Years 2005 through 2010 (includes
corresponding Graph/Chart) LH-434

Table 344: Insurance Industry in Singapore (2006): Per
Capita Premium in US$ and Premium as % of GDP by Category -
Life and Non-Life LH-435
Ageing Population to Drive Demand for Pension and Medical
Insurance LH-435
Number of Players LH-435
Market Leaders LH-435
Table 345: Life Insurance Industry of Singapore (2003):
Gross Written Premium in US$ Million by Leading Companies
for AIA, Great Eastern Life, Prudential, NTUC Income,
AVIVA, OAC, John Hancock, AXA Life Singapore, Asia Life,
and Manulife (includes corresponding Graph/Chart) LH-436

Table 346: Life Insurance Industry in Singapore (2002):
Leading Players Ranked by Gross Written Premium in US$
Million for AIA, Great Eastern Life, Prudential, NTUC
Income, and AVIVA (includes corresponding Graph/Chart) LH-436
A Peek into the Market Figures LH-437
Table 347: Insurance Industry in Singapore (2001-2003): New
Insurance Business in SG$ Million LH-437
Table 348: Insurance Industry in Singapore (2001-2003):
Percentage Breakdown of Insurance Business LH-438

Table 349: Insurance Industry in Singapore (2001-2003):
In-Force Insurance Business in SG$ Million LH-439
Health Insurance - Rising Healthcare Costs Boom the Market LH-440
Revision of the Medical Benefits - A Review LH-440
Government’s Support Fuels Growth in Insurance Sector LH-440
Steps in the Right Direction LH-440
Tax Incentive Scheme for Overseas Insurance Businesses LH-441
Tax Exemption Scheme for Offshore Marine Hull & Liability
Insurance Business LH-441
Abolition of Withholding Taxes on Financial Guarantee
Insurance Contracts LH-441
Scheme for Tax-Deductible Special Reserves LH-441
Regulatory Environment LH-441
Margin of Solvencies and The Prerequisites LH-442
The Monetary Authority of Singapore (MAS) LH-442
Powers of MAS LH-442
Regulations for Insurance Intermediaries LH-443
F.Key Emerging Markets for Insurance in Asia Pacific LH-444
Bangladesh LH-444
Sector Representation & Market Size LH-444
Market Leaders LH-444
Table 350: Life Insurance Industry in Bangladesh (2003):
Gross Written Premium in US$ Million by Leading Companies
for American Life, National Life, Jiban Bima Corporation,
Delta Life, Meghna Life, Sandhani Life, Fareast Islami
Life, Homeland Life, Rupali Life, and Prageti Life
(includes corresponding Graph/Chart) LH-444
Indonesia LH-444
Sector Representation & Market Size LH-444
Table 351: Indonesian Recent Past, Current & Future
Analysis for Life Insurance Industry with Annual Premium
Income in US$ Million for the Years 2005 through 2009
(includes corresponding Graph/Chart) LH-445
Highlights LH-445
Insurance Market Regulations LH-445
Market Leaders LH-446
Table 352: Indonesian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Bumiputera 1912, AIG Lippo Life, Jiwasraya, Manulife
Indonesia, Prudential Life, Indolife Pensiontama, Jiwa
Sequis Life, AIA, Indonesia, Panin Life, and Bringin Jiwa
Sejahtera (includes corresponding Graph/Chart) LH-446
A Recent Past Perspective LH-446
Table 353: Insurance Industry in Indonesia (2001): Number
of Life Insurance Companies (includes corresponding
Graph/Chart) LH-447
Malaysia LH-447
Sector Representation & Market Analysis LH-447
Table 354: Malaysian Recent Past, Current & Future Analysis
for Life Insurance Industry with Premiums Written in RM
Million for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-447

Table 355: Malaysian Recent Past & Current Analysis for
Life Insurance Industry with Premium Income in RM Million
for the Years 2004 through 2008 (includes corresponding
Graph/Chart) LH-448

Table 356: Malaysian Recent Past & Current Analysis for
Life Insurance Industry with Insurance Fund Assets in RM
Million for the Years 2004 through 2008 (includes
corresponding Graph/Chart) LH-448

Table 357: Malaysian Life Insurance Industry (2007 & 2008):
Percentage Breakdown of Premiums by Policy Type for
Temporary, Whole Life, Investment Linked, Endowment,
Annuity, and Others (includes corresponding Graph/Chart) LH-449

Table 358: Malaysian Life Insurance Industry (2006 & 2007):
Percentage Breakdown of Benefit Payments by Category for
Surrender, Maturity/Vesting, Medical, Cash Bonuses, Death
and Disability, and Others (includes corresponding
Graph/Chart) LH-449
Insurance - A Booming Industry LH-450
Policies and Measures Reinforce Insurance Sector LH-450
Remarkable Growth in Life Insurance LH-450
Market Leaders LH-451
Table 359: Leading Players in the Malaysian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Great Eastern, AIA, Prudential, ING, and MAA (includes
corresponding Graph/Chart) LH-451
Mauritius LH-451
Sector Representation & Market Size LH-451
Market Leaders LH-451
Table 360: Life Insurance Industry of Mauritius (2003): Gross
Written Premium in US$ Million by Leading Companies for BAI,
Sicom, Anglo Mauritius, LIC, Mauritius Union, Albatross, La
Prudence, Island Life, Mauritian Eagle, and Sun (includes
corresponding Graph/Chart) LH-452
New Zealand LH-452
Sector Representation & Market Size LH-452
Industry Overview LH-452
Table 361: Insurance Industry in New Zealand (2003):
Percentage Share Distribution of Insurance Companies by
Region for Wellington, Auckland, Canterbury, Otago, and
Other (includes corresponding Graph/Chart) LH-452
Life Insurance - Market Leaders LH-453
Table 362: Life Insurance Industry in New Zealand (2002):
Gross Written Premium in US$ Million by Leading Companies
for Sovereign, AXA, AMP, Royal & SunAlliance, Tower,
Fidelity, Westpac, BNZ, NPF, and NBNZ Life (includes
corresponding Graph/Chart) LH-453

Table 363: Leading Players in the Life Insurance Industry
of New Zealand (2000) - Gross Written Premium in US$
Million for Soveriegn Group, AXA, AMP, Royal & SunAlliance,
and Tower Health (includes corresponding Graph/Chart) LH-453
Regulatory Framework LH-453
Pakistan LH-454
Sector Representation & Market Analysis LH-454
Removal of Entry Barriers LH-454
Entry of Overseas Life Insurers LH-454
Market Leaders LH-454
Table 364: Leading Players in the Pakistani Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
State Life, EFU Life, Commercial Union, ALICO, and
Metropolitan Life (includes corresponding Graph/Chart) LH-454
Philippines LH-455
Sector Representation & Market Size LH-455
Market Leaders LH-455
Table 365: Leading Players in the Life Insurance Industry
of Philippines (2000) - Gross Written Premium in US$
Million for Philam Life & Gen, Sun Life, Insular Life,
Manulife, and Prumerica Life (includes corresponding
Graph/Chart) LH-455
South Korea LH-455
One of the Largest Life Insurance Markets Worldwide LH-455
Table 366: South Korean Recent Past, Current & Future
Analysis for Life Insurance Industry with Premium Income in
US$ Million for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-456

Table 367: South Korean Insurance Industry (2006): Per
Capita Premium in US$, and Penetration of Insurance by
Category - Life and Non-Life LH-456

Table 368: Korean Life Insurance Market (2005): Percentage
Breakdown of Premium by Type - Individual (Endowment, Pure
Endowment, Term Insurance), and Group (includes
corresponding Graph/Chart) LH-456
Ageing Population to Drive the South Korean Insurance Market LH-456
Increasing Premium Rates Attract Public Wrath LH-457
Measures to Sustain Financial Stability LH-457
Life Insurance to Debut in the Korean Stock Market LH-457
Korean Life Insurers Provide Strong Growth Potential LH-457
Korea - A Well Developed Market with a Lucrative Shift in
Product Mix LH-458
Insurers’ Assets Exceeds 300 Trillion Won LH-458
Insurance Industry Eyes Advanced IT Systems LH-458
Life Insurance Industry Undergoes Major Changes LH-458
A Perspective of the Market LH-459
Chinese Market offers Greener Pastures for Korean Insurers LH-459
Quasi-Insurers Enhance Penetration in Korean Life Insurance LH-459
Bancassurance Boosts Life Insurance Market LH-460
But also Brews Rift Between Banks and Insurers LH-460
Bigwigs Lose Share LH-460
Key Players LH-461
Table 369: Leading Players in South Korean Life Insurance
Market (2006 & 2007): Percentage Breakdown of Premiums by
Company - Samsung Life, Kyobo Life, Korea Life, ING, AIG,
and Others (includes corresponding Graph/Chart) LH-461

Table 370: Leading Players in South Korean Corporate
Pension Insurance Market (2006 & 2007): Percentage
Breakdown of Premiums by Company - Samsung Life, Samsung
F&M, Kyobo Life, Korea Life, Mirae Asset Life, Other Life
Insurers, and Other P&C Insurers (includes corresponding
Graph/Chart) LH-462

Table 371: Leading Players in South Korean Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Samsung Life, Korea Life, Kyobo life, Allianz, and SK Life
(includes corresponding Graph/Chart) LH-462
Sri Lanka LH-462
Sector Representation & Market Size LH-462
Market Leaders LH-463
Table 372: Leading Players in the Sri Lankan Life Insurance
Industry (2003) - Gross Written Premium in US$ Million for
Sri Lanka, Ceylinco, Eagle, Union, and Janashakthi
(includes corresponding Graph/Chart) LH-463
Taiwan LH-463
Sector Representation & Market Size LH-463
Table 373: Taiwanese Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
NT$ Billion for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-463

Table 374: Taiwanese Insurance Industry (2006): Per Capita
Premium in US$, and Penetration of Insurance by Category -
Life and Non-Life LH-464
Market Overview LH-464
Opportunity to Expand to Mainland China Sparks Insurance
Industry Growth LH-465
Establishment of Appointed Actuary System to Boost Growth LH-465
Risk-Based Capital Mechanism Launched LH-465
Life Insurance Sector LH-465
Table 375: Taiwanese Life Insurance Market (2007 & 2008):
Percentage Breakdown of Premiums by Category for Individual
Life Insurance, Health Insurance, Accident Insurance, and
Annuity Insurance (includes corresponding Graph/Chart) LH-465

Table 376: Taiwanese Life Insurance Industry (2005):
Premium Income in NT$ Billion by Domestic and Foreign
Companies for Individual Life (Endowment, Pure Endowment,
Insurance Against Death), and Individual Annuity (Deferred
Annuity, Immediate Annuity) (includes corresponding
Graph/Chart) LH-466
Interest Rate Environment Restricts Growth of Life
Insurance Products LH-466
Key Players LH-466
Table 377: Leading Players in Taiwanese Life Insurance
Industry (2005): Percentage Market Share of Premiums by
Company - Cathay Life, Chunghwa, Fubon Life, ING Life, Nan
Shan Life, Shin Kong Life, and Others (includes
corresponding Graph/Chart) LH-466

Table 378: Taiwanese Life Insurance Industry (2003): Gross
Written Premium in US$ Billion by Leading Companies for
Cathay Life, Nan Shan Life, Shin Kong Life, Chungwa Post,
ING Life, Fubon Life, Mass Mutual Mercuries, Kuo Hua Life,
AZPL, and China Life (includes corresponding Graph/Chart) LH-467

Table 379: Leading Players in the Taiwanese Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Cathay Life, Nan Shan Life, Shin Kong Life, ING Life, and
Kuo Hua Life (includes corresponding Graph/Chart) LH-467
Thailand LH-467
Sector Representation & Market Size LH-467
Table 380: Thai Recent Past, Current & Future Analysis for
Life Insurance Industry with Annual Premium Income in
Billion Baht for the Years 2005 through 2010 (includes
corresponding Graph/Chart) LH-468
Life Insurance - Market Overview LH-468
Thai Insurance Industry - Obstacles and Issues LH-468
Group Policies - Exhibiting Fantastic Growth LH-469
Low Return on Investments Cast Shadow on New Business LH-469
Table 381: Thai Life Insurance Market (2007): Premiums in
Billion Baht by Group & Individual Category - Main Policy,
Health Rider, Accident Rider, Other Rider, and Personal
Accident (includes corresponding Graph/Chart) LH-470
Market Leaders LH-470
Table 382: Leading Players in Thai Life Insurance Market
(2006 & 2007): Percentage Breakdown of Direct Premiums by
Company - A.I.A, Thai Life Insurance, Ayudhya Allianz C.P
Life, Muang Thai Life, Siam Commercial New York, Bangkok
Life, Ocean Life, and Others (Including Krungthai Axa
Life, ING Life Limited, and Finansa Life Assurance)
(includes corresponding Graph/Chart) LH-470

Table 383: Thai Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
AIA, Thai Life, Ayudhya Allianz C.P., Bangkok, Ocean,
Muang Thai, Siam Commercial, Nationwide, Zurich National,
and South East (includes corresponding Graph/Chart) LH-471

Table 384: Leading Players in the Thai Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
AIA, Thai Life, Ayudhya CMG, Bangkok, and Ocean (includes
corresponding Graph/Chart) LH-471
A Recent Past Market Scenario LH-471
Life Insurance in New Millennium LH-472
The Reforms LH-472
Investment Returns LH-472
Joint Ventures on the Rise LH-472
Vietnam LH-473
Sector Representation & Market Size LH-473
Table 385: Vietnamese Recent Past, Current & Future
Analysis for Life Insurance Industry with Annual Premium
Income in US$ Million for the Years 2005 through 2009
(includes corresponding Graph/Chart) LH-473
Market Overview LH-473
Table 386: Insurance Market in Vietnam: Premium in US$
Million and Premium/GDP for the Period 1997-2002 (includes
corresponding Graph/Chart) LH-474
Industry Structure LH-474
Major Categories of Insurance LH-475
Stiff Competition Brewing LH-475
Players and the Potential LH-475
State Insurer Feels the Pinch LH-475
Entry of Foreign Companies LH-476
Foreign Insurers Make Mark in Vietnamese Insurance Market LH-476
Foreign Insurers Queue Up to Enter Vietnam Life Market LH-477
Foreign Insurers Increasingly Rely on Joint Ventures to
Enter Vietnamese Market LH-477
The Present and Future LH-477
Life Insurance Market LH-478
Key Market Characteristics LH-478
Key Players LH-479
Table 387: Leading Players in the Life Insurance Industry
of Vietnam (2004): Percentage Market Share by Company -
AIA, Bao Minh CMg, BaoViet, Manulife, and Prudential
(includes corresponding Graph/Chart) LH-479

Table 388: Leading Players in the Life Insurance Industry
of Vietnam (2003): Percentage Share Breakdown by Premium
for BaoViet, Prudential, and Manulife (includes
corresponding Graph/Chart) LH-479

Table 389: Leading Players in the Life Insurance Industry
of Vietnam (2001) - Gross Written Premium in US$ Million
for Bao Viet, Prudential, Manulife, AIA, and Bao Minh CMG
(includes corresponding Graph/Chart) LH-479
Vietnamese Insurance Industry - A Recent Past Perspective LH-479
Unfair Competition Moves LH-479
Senior Executives Get Training in International Practices LH-480

5f. The Middle East LH-481
Market Overview LH-481
Small, Yet Significant Market LH-481
Low Penetration Unfurls Vast Potential for Health and
Disability Segment LH-481
Medical Insurance - The Newfound Growth Avenue LH-481
Health Insurance Strapping up for Growth LH-482
Low Insurance Rates in the Middle East LH-482
The Post September 11 Scenario LH-482
Iraq Promises a Great Opportunity for Insurance Industry LH-483
Uncertain Times Ahead LH-483
Industry Structure LH-484
Liberalization LH-484
Regulation LH-484
Competition LH-484
International Presence Springs Indigenous Innovations LH-484
Regional Cooperation LH-485
Distribution LH-485
Challenges Ahead LH-485
Outlook LH-486
The Road Ahead LH-486
Facts & Figures: A Past Perspective LH-487
Table 390: Insurance Industry in the Middle East (2000):
Premiums (Non-Life & Life) in US$ Million and Population in
Million by Leading Countries for Saudi Arabia, UAE, Egypt,
Iran, Lebanon, Kuwait, Oman, Qatar, Jordan, Libya, Bahrain,
Syria, and Yemen (includes corresponding Graph/Chart) LH-487

5f(i). Key Insurance Markets in the Middle East LH-488
Bahrain LH-488
Sector Representation & Market Size LH-488
Insurance Majors LH-488
Table 391: Life Insurance Industry in Bahrain (2003): Gross
Written Premium in US$ Million by Leading Companies for
Zurich, American Life, Bahrain National Life, Al Ahlia,
Takaful International, and Arabia (includes corresponding
Graph/Chart) LH-488
Egypt LH-489
Sector Representation & Market Analysis LH-489
Table 392: Egyptian Recent Past Analysis for Life Insurance
Industry with Annual Premium in US$ Million for the Years
2003 through 2007 (includes corresponding Graph/Chart) LH-489
Insurance Majors LH-489
Table 393: Egyptian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for Al
Chark, Misr, CIL, Alico, National, Mohandes, Allianz Life,
Delta, Suez Canal, and NSGB-Life (includes corresponding
Graph/Chart) LH-489

Table 394: Top-Five Players in the Egyptian Life Insurance
Industry (2003) - Gross Written Premium in US$ Million for
Al Chark, Misr, CIL, Alico, and National (includes
corresponding Graph/Chart) LH-490
Iran LH-490
Sector Representation & Market Size LH-490
Israel LH-490
Sector Representation & Market Size LH-490
Market Leaders LH-490
Table 395: Israeli Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Migdal, Clal, Harel, Menora, Phoenix, Hadar, Hamagen, Aryeh,
and I.L.D, Ayalon (includes corresponding Graph/Chart) LH-491

Table 396: Top-Five Players in the Israeli Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Migdal, Clal, Shiloach, Menora, and Is Phoenix (includes
corresponding Graph/Chart) LH-491

Table 397: Cost of National Health Insurance Services Funded
by Health Funds in Israel: 1998-2002 (includes corresponding
Graph/Chart) LH-491
Jordan LH-492
Sector Representation & Market Size LH-492
Table 398: Jordanian Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Million for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-492
Medical Insurance Industry LH-492
Table 399: Jordanian Medical Insurance Market (2004 - 2008):
Premiums Written in JD Million (includes corresponding
Graph/Chart) LH-492
Market Leaders LH-493
Table 400: Jordanian Life Insurance Industry (2006 & 2007):
Percentage Market Share of Premiums by Company - American
Life Ins., Al-Nisr Ins., Jordan Ins., Life & Accident Ins.,
Middle East Ins., and Others (includes corresponding
Graph/Chart) LH-493

Table 401: Jordanian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
American Life Insurance (Alico), Arab Orient, Euro Arab,
AL-Nisr Al-Arabi, Middle East, Oasis, Jordan International,
Jordan Insurance, Arab German, and General Arabia (includes
corresponding Graph/Chart) LH-494

Table 402: Top-Five Players in the Jordanian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
America Life Insurance (Alico), National Ahlia, Middle East,
Arab German, and AL-Nisr Al-Arabi (includes corresponding
Graph/Chart) LH-494
Kuwait LH-495
Sector Representation & Market Size LH-495
Table 403: Kuwaiti Recent Past, Current & Future Analysis
for Insurance Industry with Annual Premium in US$ Million
for the Years 2006 through 2010 (includes corresponding
Graph/Chart) LH-495
Market Leaders LH-495
Table 404: Kuwaiti Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Gulf, Al-Ahlia, Kuwait, American Life, Warba, 1st Takaful,
and Al-Ethad Al-Watany (includes corresponding Graph/Chart) LH-495

Table 405: Top-Five Players in the Kuwaiti Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Gulf, Al-Ahleia, American Life, Kuwait, and Warba (includes
corresponding Graph/Chart) LH-496
Healthcare Privatization on Full Swing - Unleashing Insurance
Potential LH-496
Lebanon LH-496
Lebanese Insurance Industry - A Brief LH-496
Sector Representation & Market Size LH-497
Market Leaders LH-497
Table 406: Lebanon Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for
Alico, Sogecap, Bancassurance, SNA, Libano Arabe, Arope,
Adir, Bankers, UFA, and Libano Suisse (includes
corresponding Graph/Chart) LH-497

Table 407: Top-Five Players in the Lebanese Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Alico, Sogecap, SNA, Bancassurance, and Libano-Suisse
(includes corresponding Graph/Chart) LH-497
Oman LH-498
Oman Insurance Sector - A Market Overview LH-498
Sector Representation & Market Size LH-498
Table 408: Oman Insurance Market (2005): Percentage
Breakdown of Premium by Segment - Motors, Property, Life,
Marine and Others (includes corresponding Graph/Chart) LH-498

Table 409: Oman Insurance Market (2005): Percentage Market
Share of Local and Foreign Players LH-498

Table 410: Oman Insurance Market (2005): Gross Premiums in
RO Thousands for Select Companies - Dhofar Insurance, ONIC
Holdings, Oman United Insurance, and Muscat National Holding
(includes corresponding Graph/Chart) LH-499

Table 411: Oman Insurance Market (2005): Percentage
Breakdown of Life and Non-Life Market Shares for Select
Companies - Dhofar Insurance, ONIC Holdings, Oman United
Insurance, and Muscat National Holding (includes
corresponding Graph/Chart) LH-499
Saudi Arabia LH-499
Sector Representation & Market Size LH-499
Table 412: Saudi Arabian Recent Past, Current & Future
Analysis for Insurance Industry with Annual Premium in US$
Million for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-500
Healthcare Insurance for Workers in Saudi Arabia Made Compulsory LH-500
Tanzania LH-501
A Bird’s Eye View of Tanzanian Insurance Sector LH-501
Turkey LH-501
Sector Representation & Market Analysis LH-501
Table 413: Turkish Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
TRY Million for the Years 2006 through 2010 (includes
corresponding Graph/Chart) LH-501
Market Structure LH-502
Table 414: Turkish Life Insurance Industry (2005 & 2006):
Percentage Breakdown of Premium by Policy Type - Endowment,
Annuity, and Termlife (includes corresponding Graph/Chart) LH-502

Table 415: Turkish Life Insurance Industry (2006):
Percentage Breakdown of Distribution Channel for Life
Premium Generation (includes corresponding Graph/Chart) LH-502
Regulating Authority in Turkey LH-502
Key Aspects of Insurance Regulations LH-503
Free Tariff System LH-503
Minimum Capital Requirement LH-503
Solvency Margin LH-503
Regulation on Agents LH-503
Reorganization of Collection Practice LH-503
Compulsory Reserves LH-503
Other Reserves LH-503
Retention Rate LH-504
Market Leaders LH-504
Table 416: Turkish Life Insurance Industry (2006 & 2007):
Percentage Market Share of Premiums by Company - Anadolu
Hayat Emeklilik, Basak Groupama Emeklilik, Aviva Hayat ve
Emeklilik, Yapi Kredi Emeklilik, Garanti Emeklilik, Koc
Allianz Hayat ve Emeklilik, Vakif Emeklilik, Axa Oyak
Hayat, Ak Emeklilik, American Life, and Others (includes
corresponding Graph/Chart) LH-504

Table 417: Turkish Life Insurance Industry (2005 & 2006):
Percentage Market Share of Premiums by Company - Anadolu
Hayat Emeklilik, Basak Emeklilik, Aviva Hayat ve Emeklilik,
Yapi Kredi Emeklilik, American Life and Others (includes
corresponding Graph/Chart) LH-505

Table 418: Turkish Pension Insurance Market (2005):
Percentage Market Share of Leading Pension Companies - Yapi
Kredi Emeklilik, Ak Emeklilik Anadolu Hayat Emeklilik,
Garanti Emeklilik ve Hayat, Basak Emeklilik and Others
(includes corresponding Graph/Chart) LH-505

Table 419: Turkish Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Anadolu H. Emeklilik, Commercial Union Hayat, Yapi Kredi
Yasam, Koc Allianz H. Emeklilik, Vakif Emeklilik, AXA Oyak
Hayat, Basak Emeklilik, AK Emeklilik, Isvicre Hayat, and
Garanti Emeklilik (includes corresponding Graph/Chart) LH-506

Table 420: Top-Five Players in the Turkish Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Anadolu Hayat, Yapi Kredi Yasam, Commercial Union Hayat,
Koc Allianz Hayat, and AXA Oyak Hayat (includes
corresponding Graph/Chart) LH-506
United Arab Emirates (UAE) LH-506
Market Overview LH-506
Sector Representation & Market Size LH-507
Table 421: UAE Recent Past, Current & Future Analysis for
Life Insurance Industry with Annual Premium in US$ Million
for the Years 2006 through 2010 (includes corresponding
Graph/Chart) LH-507
Market Leaders LH-507
Table 422: United Arab Emirates (UAE) Life Insurance
Industry (2003): Gross Written Premium in US$ Million by
Leading Companies for Abu Dhabi, Dubai, Sharjah, and Ras Al
Khaimah (includes corresponding Graph/Chart) LH-507

5g. The African Market LH-508
East Africa - An Underexplored Market LH-508

5g (i). Select Insurance Markets in the African Region LH-509
Ivory Coast LH-509
Sector Representation & Market Size LH-509
Market Leaders LH-509
Table 423: Life Insurance Industry in Ivory Coast (2000):
Gross Written Premium in US$ Million by Leading Companies
for Groupama VIE, AXA VIE, Safarriv VIE, STAM VIE, AGCI VIE,
SOMA VIE, Beneficial LIFE, and MAI VIE (includes
corresponding Graph/Chart) LH-509
Kenya LH-509
Sector Representation & Market Size LH-509
Market Leaders LH-510
Table 424: Kenyan Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
ICEA, Alico, British American, Pan Africa, Jubilee, Madison,
Kenindia, Old Mutual, Co-operative, and Heritage All
(includes corresponding Graph/Chart) LH-510

Table 425: Top-Five Players in the Kenyan Life Insurance
Industry (2001) - Gross Written Premium in US$ Million for
ICEA, ALICO, British American, Jubilee, and Keninda
(includes corresponding Graph/Chart) LH-510
Morocco LH-510
Morocco Insurance Industry - A Market Review LH-510
Sector Representation & Market Size LH-511
Table 426: Moroccan Life Insurance Industry Analysis Annual
Premium in US$ Million for the Years 2006 through 2008
(includes corresponding Graph/Chart) LH-511

Table 427: Moroccan Life and Capitalization Insurance Market
(2005): Premium in US$ Million by Category - Group
Insurance, Life Acceptances, and Personal Insurance
(includes corresponding Graph/Chart) LH-511
Market Leaders LH-511
Table 428: Moroccan Life Insurance Market (2005): Percentage
Market Share by Insurer - RMA Watanya, Axa Assurance Maroc,
Marocaine Vie, Wafa Assurance, CNIA Assurance, Atlanta,
MCMA, Sanad, Essaada, and Others(includes corresponding
Graph/Chart) LH-512

Table 429: Moroccan Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for AXA
Assurance Maroc, Wafa, CNIA, Marocaine Vie, Royal Marocaine
dAssurance, Al Wataniya, Atlanta, MCMA, Zurich, and Essaada
(includes corresponding Graph/Chart) LH-512

Table 430: Top-Five Players in the Moroccan Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
AXA Assurance Maroc, Wafa, Al Wataniya, CNIA, and Marocaine
Vie (includes corresponding Graph/Chart) LH-513
Nigeria LH-513
Insurance Industry of Nigeria - A Market Summary LH-513
Sector Representation & Market Size LH-513
Role of Intermediaries LH-513
Entry of Foreign and New Players LH-514
The Law of Pension Contribution LH-514
Prospects in Life, Oil & Gas and Aviation & Marine Segments LH-514
Market Leaders LH-514
Table 431: Nigerian Life Insurance Industry (2002): Gross
Written Premium in US$ Million by Leading Companies for
Aiico, NICON, Crusader, Industrial & General, African
Alliance, Niger, ELMAC, Great Nigeria, Standard Life, and
Amicable (includes corresponding Graph/Chart) LH-515

Table 432: Top-Five Players in the Nigerian Life Insurance
Industry (2001) - Gross Written Premium in US$ Million for
Aiico, Nicon, Industrial & General, Crusader, and African
Alliance (includes corresponding Graph/Chart) LH-515
South Africa LH-515
Sector Representation & Market Size LH-515
Table 433: South African Recent Past, Current & Future
Analysis for Life Insurance Industry with Annual Premium in
US$ Billion for the Years 2005 through 2009 (includes
corresponding Graph/Chart) LH-516
Insurance Market Experiencing Positive Environment LH-516
Market Leaders LH-516
Table 434: South African Life Insurance Industry (2002):
Gross Written Premium in US$ Billion by Leading Companies
for Old Mutual, Investec, Sanlam, Momentum Group, Liberty
Group, Investment Solutions, Mcubed, Metropolitan, BoE Life,
and PSG Escher Life (includes corresponding Graph/Chart) LH-517

Table 435: Top-Five Players in the South African Life
Insurance Industry (2001) - Gross Written Premium in US$
Million for Old Mutual, Sanlam, Momentum Group, Investec,
and Liberty Group (includes corresponding Graph/Chart) LH-517
Tunisia LH-517
Sector Representation & Market Size LH-517
Market Leaders LH-517
Table 436: Tunisian Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Hayett, Salim, Maghreb, GAT, Comar, Carte, Astree, Star,
Amina, and Ass-Biat (includes corresponding Graph/Chart) LH-518

Table 437: Top-Five Players in the Tunisian Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Salim, Hayett, Maghreb, GAT, and Carte (includes
corresponding Graph/Chart) LH-518
Uganda LH-518
Recovery Sets in LH-518
Zambia LH-519
Zambian Pension Funds Industry LH-519
Table 438: Zambian Pension Funds Industry (2005): Percentage
Breakdown of Market Share for Public and Private Pension
Schemes LH-519

Table 439: Zambian Pension Funds Industry: Assets in ZMK
Billion for the Years 2000 through 2005 (includes
corresponding Graph/Chart) LH-519

Table 440: Zambian Pension Industry (2005): Individual Fund
Values in ZMK Billion by Leading Pension Plans - Saturnia
Regna Pension Trust Fund, ZSIC Pension Trust Fund, Public
Service Pensions Fund, Mukuba Pension Scheme, and Others
(includes corresponding Graph/Chart) LH-520

Table 441: Zambian Insurance Industry (2003): Premium Values
in ZMK Million for Leading Companies by Segment - Life and
Non-Life (includes corresponding Graph/Chart) LH-520

Table 442: Zambian Insurance Industry (2003): Re-Insurance
Premiums in ZMK Million for Leading Companies by Segment -
Life and Non-Life (includes corresponding Graph/Chart) LH-521

Table 443: Zambian Insurance Industry (2003): Gross Claims
in ZMK Million for Leading Companies by Segment - Life and
Non-Life (includes corresponding Graph/Chart) LH-521

Table 444: Zambian Insurance Industry (2003): Re-Insurance
Share of Claims in ZMK Million for Leading Companies by
Segment - Life and Non-Life (includes corresponding
Graph/Chart) LH-521
Zimbabwe LH-521
Sector Representation & Market Size LH-521
Market Leaders LH-521
Table 445: Zimbabwean Life Insurance Industry (2002): Gross
Written Premium in US$ Million by Leading Companies for Old
Mutual, First Mutual, Zimnat Life, Fidelity Life,
Intermarket Life, and IGI Life (includes corresponding
Graph/Chart) LH-522

Table 446: Top-Five Players in the Zimbabwean Life Insurance
Industry (2000) - Gross Written Premium in US$ Million for
Old Mutual, First Mutual Life, Zimnat Life, Southampton, and
Fidelity Life (includes corresponding Graph/Chart) LH-522

5h. Latin America LH-523
Market Overview LH-523
Table 447: Latin American Recent Past, Current & Future
Analysis for Life Insurance Industry with Annual Premium
Income in US$ Billion for the Years 2005 through 2010
(includes corresponding Graph/Chart) LH-523

Table 448: Latin American Recent Past, Current & Future
Analysis for Life Insurance Industry by Region - Argentina,
Brazil, Chile, Mexico and Rest of Latin America Markets
Independently Analyzed with Annual Premium Income in US$
Billion for the Years 2005 through 2010 (includes
corresponding Graph/Chart) LH-524

Table 449: Latin American 6-Year Perspective for Life
Insurance Industry by Region - Percentage Breakdown of
Premium Income for Argentina, Brazil, Chile, Mexico and Rest
of Latin America Markets for 2005, 2008, and 2010 (includes
corresponding Graph/Chart) LH-524
Consolidation and Globalization Have a Positive Impact LH-525
Potential Growth Markets in the Region LH-525
Private Pension and Life Insurance - In the Growth Mode LH-525
Promotion of Intra-Regional Trading LH-525
Infrastructure Development Attracts Foreign Investment LH-525
Outlook LH-526
A Recent Past Perspective LH-526
Table 450: Insurance Industry in Latin America (2000): Annual
Insurance Premium in US$ Billion by Country for Brazil,
Mexico, Argentina, Chile, Colombia, and Others (includes
corresponding Graph/Chart) LH-526

Table 451: Insurance Industry in Latin America (2000): Major
Countries by Written Premium in US$ Billion (includes
corresponding Graph/Chart) LH-527

Table 452: Insurance Industry in Latin America (2000): Major
Countries for Life Insurance by Written Premium in US$
Billion (includes corresponding Graph/Chart) LH-527

Table 453: Insurance Industry in Latin America (1999 & 2000):
Leading Insurers Ranked by Net Written Premium in US$ Million
(includes corresponding Graph/Chart) LH-528

5h(i). Key Latin American Markets for Insurance LH-530
Argentina LH-530
Insurance Sector of Argentina - A Brief LH-530
Sector Representation & Market Size LH-530
Table 454: Argentine Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Billion for the Years 2005 through 2010 (includes
corresponding Graph/Chart) LH-530

Table 455: Argentinean Insurance Industry (2006): Per Capita
Premium in US$, and Penetration of Insurance by Category -
Life and Non-Life (includes corresponding Graph/Chart) LH-531
Facts & Stats LH-531
Insurance Industry Primer LH-531
Relevance of Insurance-Related Education in Argentina LH-531
Regulatory Overview LH-532
Taxation LH-532
Premium Payment LH-532
Internationalization of the Market LH-532
Liberalization of Argentina LH-533
Foreign Participation - Positive for the Market LH-533
Insurance in the Country’s GDP LH-533
A Backgrounder LH-533
Life Insurance Sector - An Overview LH-534
Table 456: Argentinean Life Insurance Market by Segment (In
%) (includes corresponding Graph/Chart) LH-534
Collapse and Reconstruction of the Life Business LH-534
Group Life: Victor of Difficult Times LH-534
Pensions System Benefits from Privatization LH-535
Private Funds Help Raise Memberships LH-535
Market Leaders LH-535
Table 457: Argentinean Life Insurance Industry (2003):
Gross Written Premium in US$ Million by Leading Companies
for Origenes Retiro, Consolidar Retiro, Caja Seguros Vida,
HSBC NY Life Retiro, Siembra Retiro, Zurich Life, Nacion
Retiro, HSBC NY Life Vida, Siembra Vida, and Internacional
Vida (includes corresponding Graph/Chart) LH-536

Table 458: Top-Five Players in the Life Insurance Industry
of Argentina (2002) - Gross Written Premium in US$ Million
by Companies for Caja Seguros Vida, HSBC-NYL Retiro,
HSBC-NYL Vida, ALICO, and Internacional Vida (includes
corresponding Graph/Chart) LH-536
A Recent Past Perspective of Argentinean Insurance Industry LH-536
Table 459: Argentinean Insurance Industry (1999 & 2000):
Leading Insurers’ Gross Premiums Written in US$ Million and
Market Share in % (includes corresponding Graph/Chart) LH-537
Traditional Insurance Products Available During Mid-90s LH-537
Provisional life: Non-Traditional Insurance Product LH-537
Brazil LH-537
Industry Overview LH-537
Sector Representation & Market Size LH-538
Table 460: Brazilian Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Billion for the Years 2005 through 2010 (includes
corresponding Graph/Chart) LH-539
TABLE 461: Brazilian Insurance Industry (2006): Per Capita
Premium in US$, and Penetration of Insurance by Category -
Life and Non-Life LH-539
Income and Buying Power of Population LH-539
Intense M&A Activity Limits Players LH-539
Brazil’s Regulatory Framework LH-539
Regulatory Environment LH-540
Functions of IRB LH-540
Rules Governing Reinsurance Retrocessions LH-541
How Much a Tariff Market? LH-541
Emerging Avenues LH-541
Scenario in Brazilian Markets for Prospective Insurers LH-542
Key Insurance Segments LH-542
Life and Health Insurance - Growth Avenues of the Future LH-542
Market Leaders LH-542
Table 462: Brazilian Life Insurance Market (2006 & 2007):
Percentage Market Shares of Leading Companies by Premiums -
Bradesco Vida e Previdência, Itaú Vida e Previdência, Caixa
Vida e Previdência, Companhia de Seguros Aliança do Brasil,
Brasilprev Seguros e Previdência, and Others (includes
corresponding Graph/Chart) LH-543

Table 463: Brazilian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for
Bradesco Vida, Itau Vida e Previdencia, Santander, Caixa
Vida, Brasilprev, Alianca do Brasil, Real Vida, COSESP,
Unibanco AIG, and Vera Cruz Vida (includes corresponding
Graph/Chart) LH-543

Table 464: Top-Five Players in the Brazilian Life Insurance
Market (2002) - Gross Written Premium in US$ Million for
Bradesco Vida, Itau Vida Previdencia, Alianca do Brasil,
COSESP, and Unibanco AIG Seguros (includes corresponding
Graph/Chart) LH-544
Pension LH-544
Table 465: Brazilian Insurance Industry (2004): Leading
Sectors’ Market Share by Type for Automobile, Life, Health,
Fire, Personal Accidents, Property, Residential, Risks, and
Other (includes corresponding Graph/Chart) LH-544
Insurance Industry 2000-2001: A Past Perspective LH-544
Table 466: Brazilian Insurance Industry (2000): Premium
Revenues by Sector in R$ Million (includes corresponding
Graph/Chart) LH-545

Table 467: Brazilian Insurance Industry (1999 & 2000):
Leading Insurers by Gross Premiums Written in US$ Million
(includes corresponding Graph/Chart) LH-545
Conditions Prevailing During the Dawn of the New Millennium LH-546
Robust Economy Boosts Industry LH-546
Banks and Foreign Capital - The Lifeline of Brazilian
Insurance Industry LH-546
Table 468: Market Share of Major Multinationals in Brazil
During 2000 (includes corresponding Graph/Chart) LH-546
Europeans Enter the Fray LH-547
Chile LH-547
Chile at a Glance - Key Facts and Characteristics LH-547
Insurance Industry Highlights LH-547
Market Overview LH-548
A Recent Past Perspective LH-548
Current Scenario LH-548
Sector Representation & Market Size LH-549
Table 469: Chilean Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Billion for the Years 2005 through 2010 (includes
corresponding Graph/Chart) LH-549
Insurance Market Experiences Concentration LH-549
A Well Developed Market LH-549
Regulatory Overview LH-550
Insurance Legislations LH-550
Key Changes to Legislations LH-550
Regulations for Fronting Policies LH-550
Superintendencia de Valoresy Seguros (SVS) - Regulatory Body LH-551
Non-Admitted Insurance LH-551
Compulsory Insurance LH-551
Registration and Operational Rules LH-551
Taxation Structure LH-552
A Study of the Distribution Channels LH-552
Going Direct LH-552
Bancassurance - Playing a Well-Defined Role LH-552
Agencies and Brokerages LH-553
Sales Agents LH-553
Claims Adjusters LH-553
Life and Pension Sector LH-554
Individual and Group Life Insurance LH-554
Social Security Programs LH-554
AFP Insurance LH-554
Annuities LH-554
Major Players: Life Insurance LH-554
Table 470: Chilean Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for ING,
Consorcio, Metlife, Principal, Chilena, La Construccion,
Vida, Penta, Interamericana, and Euroamerica (includes
corresponding Graph/Chart) LH-555

Table 471: Top-Five Players in the Life Insurance Industry
of Chile (2003) - Gross Written Premium in US$ Million for
Metlife, Consorcio, Principal, ING, and La Construccion LH-555
Mexico LH-555
Mexican Insurance Industry - Market Trends LH-555
Sector Representation & Market Size LH-556
Table 472: Mexican Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Billion for the Years 2005 through 2010 (includes
corresponding Graph/Chart) LH-556
Market Infancy Paints Brighter Prospects LH-556
Table 473: Mexican Insurance Industry (2006): Per Capita
Premium in US$, and Penetration of Insurance by Category -
Life and Non-Life LH-557

Table 474: Mexican Insurance Industry (2005): Percentage
Breakdown of Total Insurance Premiums by Category - Auto,
Catastrophe, Civil Liability, Death and Disability, Fire,
Group Life, Individual Life, MAT, Medical, and Others
(includes corresponding Graph/Chart) LH-557
Health Insurance - A Growth Prospect LH-557
Trends in Health Sector LH-557
Mindset of Mexicans - An Obstacle for Insurance Sector LH-558
Table 475: Mexican Insurance Industry (2004): Leading
Companies’ Percentage Business Mix for Life, Auto,
Accident/Illness, and Other Non-Life LH-558
Premium Tax in Mexico LH-558
Insurance Brokers LH-558
Environmental Risks LH-559
Challenges Before the Mexican Insurance Industry LH-559
The US-Mexico Cross-Border Health Insurance Market LH-559
ISES LH-560
Failings of Mexican Insurers LH-560
Outlook LH-560
Competitive Landscape LH-561
Table 476: Leading Players in Mexican Insurance Industry
(2005): Percentage Market Share by Gross Written Premiums of
Companies - ABA, Banamex, Bancomer, Banorte, GNP, ING
Comercial America, Inbursa, Monterrey, Mapfre, Qualitas, and
Others (includes corresponding Graph/Chart) LH-561

Table 477: Leading Players in the Mexican Insurance Industry
(2004): Percentage Market Share for Grupo Nacional
Provincial, Seguros Comercial America, MetLife Mexico,
Seguros Banamex, Seguros Inbursa, Seguros Monterrey New York
Life, Mapfire, Tepeyac, Qualitas, Seguros Bbva Bancomer,
Zurich and Others (includes corresponding Graph/Chart) LH-562

Table 478: Mexican Insurance Industry (2004): Leading
Companies’ Percentage Business Mix for Life, Auto,
Accident/Illness, and Other Non-Life LH-562
Life Insurance - Dynamics of the Market LH-562
Market Leaders LH-563
Table 479: Leading Players in Mexican Life Insurance Market
(2005): Percentage Market Share by Company - Comercial
America, GNP, MetLife Mexico, Seguros Monterrey New York
Life, Seguros Bancomer, S.A. de C.V., and Others LH-563

Table 480: Top-Five Players in the Mexican Life Insurance
Industry (2003) - Gross Written Premiums in US$ Million for
Metlife Mexico, G.N.P., Monterrey New York Life, ING
Comercial America, and Banamex (includes corresponding
Graph/Chart) LH-563
A Recent Past Perspective LH-563
2000-2001: Emergence as the ‘Happening’ Place LH-563
Table 481: Mexican Insurance Industry (2000 & 2001):
Premium Written in Billion Pesos by Type of Insurance for
Life, Pension, Health & Accident, Auto, and Others
(includes corresponding Graph/Chart) LH-564
Leading Players LH-564
Table 482: Mexican Insurance Industry (1999 & 2000): Leading
Insurers Ranked by Gross Premium Written in US$ Million
(includes corresponding Graph/Chart) LH-564
A Backgrounder on the Market LH-565
Undeveloped Nature of Insurance LH-565
Impact of Globalization LH-565
NAFTA and the Insurance Industry LH-565
Legislation Reshapes the Market LH-565
Structural Changes Come to Fruition LH-566
The Darker Side LH-566
Life and Pensions Scenario LH-567

5h(ii). Emerging Insurance Markets of Latin America LH-568
Barbados LH-568
Sector Representation & Market Size LH-568
Market Leaders LH-568
Table 483: Life Insurance Industry of Barbados (2003): Gross
Written Premium in US$ Million by Leading Companies for Life
of Barbados, CLICO International, Sagicor Life, British
American, American Life, Colonial Life, and Insurance
Corporation of Barbados (includes corresponding Graph/Chart) LH-568
Colombia LH-568
Sector Representation & Market Size LH-568
Table 484: Colombian Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Billion for the Years 2005 through 2009 (includes
corresponding Graph/Chart) LH-569
Market Leaders LH-569
Table 485: Colombian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for
Suramericana, Bolivar, Vidalfa, Colpatria, Colseguros,
Suratep, Royal & SunAlliance, BBVA, Colmena, and Mapfre
(includes corresponding Graph/Chart) LH-569

Table 486: Leading Players in the Colombian Life Insurance
Industry (2003) - Gross Written Premium in US$ Million for
Suramericana, Bolivar, Vidalfa, Colpatria, and Colseguros
(includes corresponding Graph/Chart) LH-570
Insurance in Colombia: A Historical Perspective LH-570
Table 487: Insurance Industry in Colombia (1999 & 2000):
Leading Insurers Ranked by Gross Premiums Written (In US$
Million) (includes corresponding Graph/Chart) LH-570
Costa Rica LH-571
Sector Representation & Market Size LH-571
Table 488: Costa Rican Recent Past, Current & Future
Analysis for Life Insurance Industry with Annual Premium
Income in US$ Million for the Years 2005 through 2009
(includes corresponding Graph/Chart) LH-571
Dominican Republic LH-571
Sector Representation & Market Size LH-571
Table 489: Dominican Republic Recent Past, Current & Future
Analysis for Life Insurance Industry with Annual Premium
Income in US$ Million for the Years 2005 through 2009
(includes corresponding Graph/Chart) LH-572
Market Leaders LH-572
Table 490: Leading Players in the Life Insurance Industry of
Dominican Republic (2003) - Gross Written Premium in US$
Million for Seguros Popular, Segna, Colonial De Seguros, Cia
de Seguros Palic, and Seguros Banreservas (includes
corresponding Graph/Chart) LH-572
Health Insurance - In the Wait for a Comprehensive Coverage LH-572
Ecuador LH-573
Sector Representation & Market Size LH-573
Table 491: Ecuadorian Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Million for the Years 2005 through 2009 (includes
corresponding Graph/Chart) LH-573

Table 492: Ecuadorian Life Insurance Industry (2007):
Percentage Breakup of Insured Population for Domestic and
Offshore Insurance Companies by Policy Type (includes
corresponding Graph/Chart) LH-573

Table 493: Ecuadorian Life Insurance Industry (2006-2008):
Percentage Market Share for Domestic and Offshore Insurance
Companies by Policy Type (includes corresponding
Graph/Chart) LH-574
Market Leaders-A Recent Past Perspective LH-574
Table 494: Ecuadorian Life Insurance Industry (2004): Gross
Written Premium in US$ Million by Leading Companies for Pan
American Life, BMI, Equivida, Pichincha, Bolivar,
Rocafuerte, Colvida, Ace, Panamericana, and Rio Guayas
(includes corresponding Graph/Chart) LH-574

Table 495: Ecuadorian Health and Medical Assistance
Insurance Market (2004): Policywriting in US$ Millions and
Percentage Breakdown by Category - IESS, Prepaid-Medicine
Companies, and Private Insurance Companies (includes
corresponding Graph/Chart) LH-575

Table 496: Leading Players in Ecuadorian Health Insurance
Market (2004): Percentage Market Share by Insurance and
Prepaid Medicine by Company - Ecuasanitas, BMI, Humana,
PALIC, Health, Pichincha, Rocafuerte, Bolívar, Salud Coop,
Other Prepaid-Medicine Companies, and Other Insurance
Companies (includes corresponding Graph/Chart) LH-575

Table 497: Leading Players in the Life Insurance Industry of
Ecuador (2003) - Gross Written Premium in US$ Million for
Pan American Life, Pichincha, Bolivar, Equivida, and
Panamericana (includes corresponding Graph/Chart) LH-576
Shortfalls of Social Security System Propel Health Insurance
Sales LH-576
EL Salvador LH-577
Sector Representation & Market Size LH-577
Market Leaders LH-577
Table 498: Insurance Industry of El Salvador (2003): Gross
Written Premium in US$ Million by Leading Companies for SISA
Vida, La Centro Americana, Compania General de Seguros,
Seguros e Inversiones, Aseguradora Suiza Salvadorena,
Aseguradora Agricola, Asesuisa Vida, Internacional de
Seguros, AIG Union y Desarrollo, and BBVA Seguros (includes
corresponding Graph/Chart) LH-577

Table 499: Leading Players in the Insurance Industry of El
Salvador (2002) - Gross Written Premium in US$ Million for
Aseguradora Suiza Salvadorena
SISA, Vida
Seguros e
Inversiones
La Centro Americana
and Compania General de
Seguros (includes corresponding Graph/Chart) LH-578
Guatemala LH-578
Sector Representation & Market Size LH-578
Honduras LH-578
Sector Representation & Market Size LH-578
Leading Players: Life Insurance Sector LH-578
Table 500: Honduran Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Palic, Adhorro, Interamericana, Atlantida, Aseguradora,
Crefisa, Continental, Previsa, Del Pais, and Equidad
(includes corresponding Graph/Chart) LH-579

Table 501: Leading Players in the Life Insurance Industry of
Honduras (2002) - Gross Written Premium in US$ Million for
Palic, Aseguradora, Adhorro, Atlantida, and Crefisa
(includes corresponding Graph/Chart) LH-579
Jamaica LH-580
Sector Representation & Market Size LH-580
Table 502: Jamaican Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Million for the Years 2005 through 2009 (includes
corresponding Graph/Chart) LH-580
Leading Players in Life Insurance LH-580
Table 503: Leading Players in the Jamaican Life Insurance
Industry (2003) - Gross Written Premium in US$ Million for
Life of Jamaica, Guardian Life, Blue Cross, First Life, and
Cuna Mutual (includes corresponding Graph/Chart) LH-580
Panama LH-581
Sector Representation & Market Size LH-581
Table 504: Panamanian Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Million for the Years 2005 through 2009 (includes
corresponding Graph/Chart) LH-581
Market Leaders LH-581
Table 505: Life Insurance Industry in Panama (2004): Gross
Written Premium in US$ Million by Leading Companies for
Aseguradora Mundial, Compania Internacional, ASSA, Compania
Nacional, American Life, Assicurazioni Generali, Pan
American, Pan America Life, British American, and Compania
Istmena (includes corresponding Graph/Chart) LH-582

Table 506: Leading Players in the Life Insurance Industry of
Panama (2003) - Gross Written Premium in US$ Million for
Aseguradora Mundial, ASSA, Compania Internacional, American
Life, and Assicurazioni Generali (includes corresponding
Graph/Chart) LH-582
Peru LH-583
Sector Representation & Market Size LH-583
Table 507: Peruvian Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Million for the Years 2005 through 2009 (includes
corresponding Graph/Chart) LH-583
Market Leaders LH-583
Table 508: Leading Players in the Life Insurance Industry of
Peru (2003) - Gross Written Premium in US$ Million for El
Pacifico Vida, Interseguro, Rimac International, InVita, and
Mapfre Peru Vida (includes corresponding Graph/Chart) LH-584
Trinidad and Tobago LH-584
Sector Representation & Market Size LH-584
Table 509: Trinidad and Tobago Recent Past, Current & Future
Analysis for Life Insurance Industry with Annual Premium
Income in US$ Million for the Years 2005 through 2009
(includes corresponding Graph/Chart) LH-584
Market Leaders LH-585
Table 510: Life Insurance Industry in Trinidad and Tobago
(2003): Gross Written Premium in US$ Million by Leading
Companies for Clico, Guardian, Sagicor, Algico, British
American, Maritime, Tatil, Cuna, Life of Barbados, and
Bancassurance (includes corresponding Graph/Chart) LH-585

Table 511: Leading Players in the Life Insurance Industry of
Trinidad and Tobago (2002) - Gross Written Premium in US$
Million for Clico, Sagicor, Guardian, Maritime, and Algico
(includes corresponding Graph/Chart) LH-586
Uruguay LH-586
Sector Representation & Market Size LH-586
Leading Life Insurers LH-586
Table 512: Uruguayan Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Banco de Seguros del Estado, ALICO, Real Uruguaya,
Metropolitan Life, Cooperativa de Seguros Sucro, and
Santander (includes corresponding Graph/Chart) LH-586

Table 513: Leading Players in the Life Insurance Industry of
Uruguay (2002) - Gross Written Premium in US$ Million for
Banco de Seguros del Estado, Real Uruguaya, ALICO,
Cooperativa de Seguros Surco, and Metropolitan Life
(includes corresponding Graph/Chart) LH-587
Venezuela LH-587
Sector Representation & Market Size LH-587
Table 514: Venezuelan Recent Past, Current & Future Analysis
for Life Insurance Industry with Annual Premium Income in
US$ Million for the Years 2005 through 2009 (includes
corresponding Graph/Chart) LH-587
Leading Life Insurers LH-588
Table 515: Venezuelan Life Insurance Industry (2003): Gross
Written Premium in US$ Million by Leading Companies for
Mapfre, Caracas de Liberty, Previsora, Bancentro,
Multinacional, Horizonte, Ban Valor, Mercantil, Nuevo Mundo,
and Adriatica (includes corresponding Graph/Chart) LH-588

Table 516: Leading Players in the Venezuelan Life Insurance
Industry (2002) - Gross Written Premium in US$ Million for
Seguridad, Multinacional de Seguros, Horizonte, Previsora
C.N.A., and Caracas de Liberty Mutual (includes
corresponding Graph/Chart) LH-588

6. Product Introductions/Service Innovations LH-589
Anthem Launches New Insurance Plans for Small Businesses LH-589
Post Office Introduces New Life Insurance Policy LH-589
LIC Introduces New Unit Linked Plans LH-589
Reliance Introduces New Life Insurance Service LH-590
SBI Life to Introduce New Insurance Policy LH-590
Max New York introduced SMART Invest Pension Scheme LH-590
PNB Introduces New Health Insurance Product LH-590
LIC Introduces Group Critical Illness Rider LH-590
LIC to Launch Health Insurance Plan LH-591
United India Insurance to Introduce 3 New Health Insurance
Policies LH-591
Aviva Introduces Non-Unit Linked Investment Plan LH-591
SBI Life Introduces Pension Product LH-591
Allianz Life Launches Capital Protected Plan II LH-591
SLFP Introduces Sachetized Insurance Packages LH-591
Warba Insurance Launches New Scheme for Expatriates LH-591
Manulife Launches LivingCare Long Term Insurance Product LH-592
Madison National Life Insurance Launches ‘360 Plan’ LH-592
Nationwide Financials Launches New Corporate Owned Life
Insurance Policy LH-592
Aetna Introduces Insurance Products for New and Small Businesses LH-593
Precedent Introduces Innovative Health Insurance Plans LH-593
Texas Mutual to Launch e-Billing System LH-593
Hiscox USA to Introduce Allied Healthcare Insurance LH-593
Tesco Launches Cheap Health Insurance LH-593
Agis Launches Health Insurance Policies for Gays and Lesbians LH-594
ICICI Lombard Introduces Health Advantage Plus LH-594
Allianz Elementar Offers Savings Products LH-594
Sterling Life Offers Life Cover for Armed Forces LH-594
Ben-e-lect Offers New Dental Plan LH-594
Humana Unveils New Health Insurance Policies LH-594
Anthem Life Rolls Out Resource Advisor™ LH-594
Health Net Introduces Medicare Plan LH-595
John Hancock Annuities Provides Optional Withdrawal Benefit LH-595
Humana Launches Affordable Health Care Plans LH-595
WPA Introduces Mycancerdrugs LH-595
BIBA Launches PPI Products LH-595
Tesco to Provide Private Health Insurance LH-595
Norwich Union Introduces Guaranteed Whole Life Policy LH-595
ING Introduces Variable Annuities in Spain LH-595
Friends Provident Provides Tax Relief With New Life Cover LH-596
Virgin Money Introduces Cancer Insurance LH-596
Accident Insurance for Indian Workers in Gulf LH-596
AXA Launches Group Individual Accident Insurance LH-596
Guardian Life and Health Net Launches Healthcare Policy LH-596
American National Introduces New Indexed Annuity LH-596
Loyal American Life Unveils New Policy for Baby Boomers LH-596
Fort Dearborn Introduces Dental Insurance Program LH-597
Bendigo Bank Introduces Health Insurance LH-597
Homeland Launches BADHU BIMA Scheme for Married Women LH-597
American Specialty Launches a New Health Plan LH-597
Prudential Launches PMI Policy LH-597
Oklahoma Chamber Blue Health Insurance Plan Waiting in Wings LH-597
Canada Life Reintroduces Lifetime Protector Whole-of-Life
Insurance Policy LH-598

7. Product Launches in the Past LH-599
NeoStem Inc. Introduces "True Life Insurance" LH-599
Liverpool Victoria Introduces New Product LH-599
Royal & Sun Alliance European Life & Investments Launches
Balanced Yield Fund LH-599
Norwich Union Introduces Improved Version of Long-Term Care
Insurance LH-599
AIG Vida Launches New Version of Private Pension Plan LH-599
American Enterprise Launches Variable Annuity LH-599
American Skandia’s XTra Credit Six Variable Annuity LH-600
Banc Insurance Launches Exam-Free Term Life Product LH-600
ING Launches 2 Fixed Annuities for Banks LH-600
LIC of India Launches Modified Version of Jeevan Shree Plan LH-600
Universal Life Products Target the Wealthy LH-600
Fidelity & Guarantee Launches Single Premium Fixed Annuity LH-601
GE Financial Launches GE Accumulator LH-601
GE Financial Releases Variable Annuity Product LH-601
Glenbrook Introduces Variable Annuity Series LH-602
Glenbrook Life and Annuity Launches Two Variable Annuities LH-602
Hartford Adds New Feature to Variable Universal Life Plans LH-602
Hartford Adjoins Rider to Variable Annuity Products LH-602
IFS Financial Launches MultiMax Annuity Policy LH-602
ING US Launches Equity Indexed Annuity LH-603
Inora Life’s Dynamic Income Plus Fund Series 3 LH-603
John Hancock Adds Survivorship to Universal Life Products LH-603
LIC Relaunches 3 Pension Plans, Introduces New Policy LH-603
Lincoln Unveils ChoicePlus II VA Products LH-604
Lincoln’s Accumulated Benefit Enhancement Rider LH-604
Liverpool Victoria Introduces New Product LH-604
MassMutual Launches Variable Annuity LH-604
MetLife Launches Preference Plus Select Variable Annuity LH-605
National Financial’s Best of America ElitePro LTD VA LH-605
Norwich Union’s Impaired Life Annuity Scheme LH-605
Om Kotak Launches Group Insurance Products LH-605
Penn Mutual’s PennFreedom Variable Annuity LH-606
Phoenix Introduces Universal Policy LH-606
Phoenix’s Flexible-Premium Variable Annuity LH-606
Royal & Sun Alliance Launches Balanced Yield Fund LH-606
SBI Life Insurance Introduces Super Suraksha LH-606
Security Life Launches Variable Universal Life Insurance LH-607
TIAA-CREF Launches Two Life Products LH-607
AIG Europe Introduces Healthnow LH-607
Bajaj Allianz Introduces Critical Illness Policy LH-607
Berkeley Alexander’s Individual Private Medical Insurance Plan LH-607
Blue Shield Insurance of California’s Access Baja Dependent Plan LH-608
Bobcards Launches Group Medical Plan LH-608
Berkshire Adapts Disability Insurance Product LH-609
Fortis Launches 3-Tiered Group Disability Plan LH-609
HealthMarket Launches Low Cost Plan for Small Businesses LH-609
Western Provident Launches Flexible Health Plan LH-609
Humana Releases Web-Based Health Plan LH-610
Medicash Introduces Healthcare Cash Plan LH-610
Norwich Union Launches Group PMI Product for Corporate Customers LH-610
Norwich Union’s Future Assured Plan LH-610
Norwich Union Releases Impaired Life Annuity Scheme LH-610
Norwich Union’s Improved Version of LTC Insurance LH-611
PacifiCare Behavioral Health’s Spectrum LH-611
Premera LifeWise Offers Individual Health Insurance LH-611
SecureHealth Introduces Options LH-611
Unum Launches Improved Elixia 123 LH-612
Prudential Financial Introduces QuickForm In XpressLife Program LH-612
Phoenix Introduces Phoenix Income Choice LH-612
Allmerica Select Introduces Death Benefit LH-612
American International Companies’ Plan Trustee Protector LH-612
Ameritas Life Adds 4 Products to Low-Load Series LH-613
Bank of Scotland’s Second Model of Save and Invest Product LH-613
Canada Life Adds New Features to Offshore Flexible Life Plan LH-613
CITIC-Prudential’s Unit-Linked Insurance Plan LH-613
Clerical Medical International Offers New Version of CMI
Premier Bond LH-613
New England’s Variable Universal Life Insurance LH-613
Royal & Sun Alliance’s Plan for Non-Resident UK Citizens LH-613
Skandia Offers 2 Life Insurance Programs LH-614
Travelers Variable Survivorship Life II LH-614
Zurich Life Launches New Whole-Of-Life Policy LH-614
CNA Life Adds Options to Term 400-Series LH-614
Hartford Augments Variable Annuity Line LH-615
HDFC Standard Launches Plan for Weaker Sections LH-615
Skandia Offers Two New Life Insurance Programs LH-615
Royal & Sun Alliance Launches New Plan for Non-Resident UK
Citizens LH-615
Canada Life International Adds New Features to Offshore
Flexible Life Plan LH-615
Bank of Scotland Offshore Introduces Second Model of Save and
Invest Product LH-615
Italian Post Office’s Pension Products LH-616
John Hancock Launches EVariable Life LH-616
John Hancock Modifies Variable Estate Protection Plan LH-616
John Hancock’s LTC Easy-Pay Payment Plan LH-616
LIC of India Launches Single Premium Plan LH-616
MONY Introduces Survivor Universal Life Policy LH-616
21st Century Launches Hospital Advantage Plan LH-617
Skandia Introduces New Plans LH-617
BUPA Creates Online Service for Complete Private Medical
Insurance Cover LH-617
Standard Life Healthcare and Policy Master Together Offer
Insurance Products LH-617
AMC Health Care Launches New Products LH-617
Blue Cross Blue Shield of Arizona’ Health Plans LH-617
BUPA Adds Health Care Options to Insurance Policy LH-618
BUPA Introduces Company First LH-618
GE’s GE LTC Choice LH-618
Legal & General Launches New Protection Plans LH-618
Willis Deploys War Risk Products LH-618
UnumProvident Launches WorkRx LH-619
Bupa Creates a New Online Service to Provide Complete Private
Medical Insurance Cover LH-619
Standard Life Healthcare and Policy Master Together Offer
Insurance Products LH-619

8. Recent Industry Activity LH-620
Fort Dearborn Life Acquires Northstar Life LH-620
Hyperion Acquires International Program Managers LH-620
J.C. Flowers Acquires BISYS’ Retirement and Insurance Service
Division LH-620
Humana Acquires KMG America LH-620
Rockhill to Acquire RTW LH-621
Liberty Mutual Acquires Ohio Casualty LH-621
AEGON to acquire Merrill Lynch Life LH-621
The Doctors Company to Acquire SCPIE Holdings LH-622
Coventry Health Care Acquires Certain Mutual of Omaha LH-622
Brown & Brown Acquires Dalton’s Assets LH-622
AIG Acquires Württembergische und Badische Versicherungs LH-622
Pearl Assurance Acquires Resolution LH-622
Aviva Acquires two Hamilton Companies and Forms New Agreements
with HSBC LH-623
PHP Acquires Home Counties Healthcare’s Medical Insurance
Business LH-623
SNS REAAL Acquires AXA’s Dutch Insurance Operations LH-623
Storebrand to Acquire SPP LH-623
ERGO Acquires Stake in Daum Direct Auto Insurance LH-624
HSBC Insurance to Acquire Stake in Hana’s Life Insurance
Subsidiary LH-624
AR Growth to Acquire Stake in Probenefit LH-624
ING to Acquire Origenes AFJP and Origenes Seguros de Retiro LH-625
MetLife to Acquire AFORE Actinver LH-625
Assurant Extends Distribution Pact with Service Corporation LH-625
CUNA Mutual Insurance Society to Merge with CUNA Mutual Life
Insurance LH-626
Great-West Lifeco to divest its U.S. Based Great-West
Healthcare Business LH-626
CMLIC & CUNA Mutual Insurance Society to Merge LH-626
UnitedHealth Group and Sierra Health Services Obtains Merger
Approval from California Department of Insurance LH-626
Darwin to Enter into Strategic Partnership with K&B LH-627
AXA & BMPS to Form a Strategic Partnership LH-627
Aegon Enters into Agreement with Merrill Lynch LH-627
Aviva Enters into Joint Venture with Bank Zachodni WBK LH-627
AEGON and CAJA CANTABRIA Enters Joint Venture Agreement LH-627
Shanghai Dragon to Divest Interest in Dazhong Insurance LH-628
Union Life Insurance to Divest Stake LH-628
Allianz China to Expand Business LH-628
BUPA Australia and MBF in Merger Negotiations LH-628
Aviva Life Insurance’s Indian Joint Venture Ties Up with Apex
Bank LH-629
Tata AIG Enters into Partnership with BISWA LH-629
Tata AIG Plans Major Expansion in Orissa LH-629
Bank of India to Establish Joint Venture for Life Insurance LH-629
Andhra Bank to Form Joint Venture for Life Insurance LH-630
TTK to Commence Retail Health Insurance LH-630
Apollo Hospitals Enters the Health Insurance Market LH-630
Future Generali Commences Insurance Business in India LH-630
Vijaya Bank to Quit PNB-PFG Life Insurance Venture LH-630
Canara Bank, HSBC and Oriental Bank Teams Up to Float Life
Insurance Venture LH-631
ICICI Lombard Introduces First Health Insurance Plan LH-631
Aviva Life Insurance Teams Up with IndusInd Bank LH-631
BoI, Dai-ichi and Union Bank Floats Joint Venture Company LH-631
Andhra Bank, BoB and Legal & General Group to Enter into JV LH-631
ICICI Prudential & Dignity Foundation Introduces ActivAge LH-631
Apollo Establishes New Company LH-632
Kookmin Bank to Divest Interest in ING Life Insurance LH-632
Hainan Airlines to Form Joint Venture with SKLI of Taiwan LH-632
Allied Bank to Increase Stake in New York Life Insurance LH-632
Aviva Obtains Regulatory Consent for Joint Venture in Taiwan LH-632
HSBC Establishes Life Insurance Company in Taiwan LH-633
AEGON & Taishin Enters into Joint Venture LH-633
Aviva’s Turkish Subsidiary and Ak Emeklilik to Merge LH-633
AEGON and Sony Life to Set-Up a New Life Insurance Company LH-633
ING Divests Insurance Belgium LH-633
ICICI Prudential Life Teams Up with mChek LH-633
Argus Takes Over Tremont International LH-634
Centene Acquires a Small Stake in Access Health Solutions LH-634
LTC Completes Acquisition of Gelbwaks Insurance LH-634
Private Capital Management Acquires Security American
Financial Enterprises LH-634
SS Nesbitt to Buy ANB Insurance Services LH-634
Coventry Snaps Up Group Health Company in Nebraska LH-634
Fort Dearborn Purchases Northstar Life Insurance LH-634
Friends and Resolution Negotiate for a Prospective Merger LH-635
Allied Bank and Lucio Tan Group to Buy NY Life Insurance LH-635
BRE Bank and AEGON to Unite Respective Pension Funds LH-635
Delta Lloyd to Sell Health Insurance Business LH-635
Fidelius Group Acquires Westward Counties LH-635
Talanx to Acquire BHW Leben LH-636
Global Tuition & Education Insurance to Acquire R&SA Seguros
de Vida LH-636
China Life to Acquire 60% Stake in Zhongcheng LH-636
Grupo Security Carries Out Merger of Vida Security and Rentas
Security LH-636
Cardif, Seabank and Vietcombank to Form Joint Venture LH-636
American Wholesale Group to Acquire AEU LH-636
Medical Mutual Takes Over Carolina Care Plan LH-637
National Financial Teams Up with ING LH-637
Ameritas to Take Over LifeRe LH-637
Highmark and Independence Blue Cross to Merge LH-637
APS Acquires APIE LH-637
Farrah Extends Contract with NAIC LH-637
Goldman Sachs to Takeover USI Holdings LH-638
Argus Takes Over Tremont International LH-638
KBC Takes Over DZI Insurance LH-638
Uniqa Increases its Share in Vitosha LH-638
Shin Kong Enters into Chinese Market LH-638
China Postal Group to Setup Insurance Firm LH-638
MFS Holdings Acquires Stake in Universal Life LH-638
Aegon to Acquire Optas LH-638
Allianz to Acquire Allianz Leben and AGF LH-639
Pohjola Group Merges with Parent Company LH-639
HSBC France to Buy Remaining Stake in Erisa and Erisa IARD LH-639
CNP Acquires Ecureuil LH-639
Alpha Bank Sells Alpha Insurance LH-639
Bank of Baroda to Form Life Insurance JV LH-639
ING Group to Partner with India Post LH-640
DLF and Prudential to Form Insurance JV in India LH-640
HSBC Enters into Joint Venture LH-640
Quinn to Take Over BUPA Ireland LH-640
AXA to Expand Presence in Italian Insurance LH-640
Swiss Life to Acquire CapitalLeben LH-640
Bumiputra to Divest Stake LH-640
Aegon and Banca Transilvania to Establish New Pension Firm LH-640
Allianz Acquires Stake in ROSNO LH-641
Fortis Commences Life Insurance Business LH-641
Allianz to Divest Stake in Hana Life Insurance LH-641
CNP Assurances Acquires Stake in Skandia Vida LH-641
Allianz to Buy Remaining Stake in Allianz President LH-641
Aviva to Form JV with FFHC LH-641
Aviva, Akbank and Akisgorta to Setup Life and Pensions Business LH-642
Asda and LifeSearch Enter into Partnership LH-642
Aegon Scottish to Deploy Thinc’s Distribution Platform LH-642
Aegon Enters into Distribution Pact with Dunfermline LH-642
Skandia to Consolidate UK Businesses LH-642
LV= Forms Partnership with Help the Aged LH-642
Prudential and Discovery Forms JV LH-643
Norwich Union Outsources Administration to Swiss Re LH-643
AXA PPP Acquires Legal & General LH-643
L&G and Nationwide Enters Distribution Pact LH-643
Prudential to Divest Egg LH-643
Standard Life and Summit to Offer Cover for Climbers LH-643
Resolution Life to Merge Life Insurance Businesses LH-644
SS Nesbitt to Buy ANB Insurance Services LH-644
Resolution Life Confirms Talks Related to Prospective
Transactions LH-644
Swiss Re Acquires UK GE Life Business LH-644
Capita Life & Pensions Bags Contract from Scottish Life LH-644
Seguros Divests its Annuity Business LH-644
Fortis Acquires Gutingia LH-645
Scottish Re to Secure a New Investment of $ 600 Million LH-645
Proposed Merger of Dutch Health Insurance Firms Stands Cancelled LH-645
Aegon Purchases 49% Stake in Seguros Argos LH-645
BUPA to Withdraw From Ireland LH-645
Fortis Enters Ukrainian Life Insurance Market LH-646
China Life to Buy Minority Stake in Huishang Bank LH-646
CIGNA Acquires Vielife LH-646
Swiss Re bids for Prudential’s Division LH-646
Standard Chartered and Eagle Insurance Form Alliance LH-646
Liberty Mutual Group Acquires Majority Stake in Seker Sigorta LH-646
Abbey Exits Life Business LH-646
Axa to Takeover Thinc Destini LH-646
Citibank to Collaborate with Legal & General to Offer Insurance LH-647
Barclays to Sell Standard Life’s Insurance Products LH-647
AIG to Commence Bulk Annuity Operations in The UK LH-647
Asda and Scottish Widows End Alliance LH-647
Winterthur Sells Health Insurance Business LH-647
Federal Bank, IDBI and Fortis in a JV for Life Business in India LH-647
Aviva to Sell Protection Products in Russia LH-647
Aviva Life Forms Alliance in Qatar LH-648
Swiss Life to Divest from Italian Insurance Market LH-648
AXA to Take Over Winterthur LH-648
AIA Receives Approval to Offer Group Insurance LH-648
Heng An Standard Life Opens Unit in Beijing LH-648
ING Capital Alliances with BEA LH-648
Generali Enters Bulgarian Insurance Market LH-648
ING to Commence Life Insurance Business in Bulgaria LH-649
Unity Life Snaps Up The Prudential Insurance Co. LH-649
Allianz to Offer Life Insurance Products in Australia LH-649
Medical Mutual Acquires 1st Medical Network LH-649
UTG Acquires ACAP LH-649
LifeSecure Buys Out Columbia Universal LH-649
MultiPlan Acquires Private Healthcare Systems LH-649
Aviva Snaps Up AmerUs LH-649
Great American Financial Snaps Up Ceres LH-650
Genworth Acquires Continental Life LH-650
Christian Fidelity Takes Over Dallas LH-650
Erie Acquires Stake in Erie Family Life LH-650
Manhattan Life Takes Over Family Life LH-650
Health Care Service Acquires Highmark’s Life and Disability
Business LH-650
UnitedHealth Takes Over Student Resources LH-650
CIGNA Acquires Star HRG LH-650
Health Benefits Direct Purchases Insurance Specialist LH-651
Brooke Snaps Up Generations Bank LH-651
CIGNA to Acquire Mid-South Admin Group LH-651
American European Group to Acquire Merchants Group LH-651
Carlyle Group Acquires MultiPlan LH-651
Universal American Financial Acquires Harmony Health LH-651
Unity Life Acquires Prudential’s Arm LH-651
Manulife Purchases Stake in Pramerica LH-651
WellPoint Acquires QualChoice LH-651
Medical Mutual Acquires Summit’s Health Insurance Business LH-652
Priority Health to Buy Care Choices LH-652
Citigroup to Acquire Union de Bancos de Cuscatlan LH-652
Great-West Lifeco to Acquire US Bancorp LH-652
La Capitale Snaps Up UAFC LH-652
CIGNA Acquires UnitedHealth’s Health Care Divisions LH-652
Protective Life Acquires Chase Insurance LH-652
Aviva Acquires AmerUs LH-652
CPEhr to Compensate for the Closure of Pac Advantage LH-653
Health Alliance Plan Acquires CuraNet LH-653
TREK Holdings Takes Over American Medical & Life Insurance LH-653
Securian Financial to Buy American United’s CNL Financial Corp. LH-653
Ameritas Acacia Merges with Union Central Life Insurance Company LH-653
Great American Life Insurance Company Acquires Fixed Annuity
Block from Old Standard Life Insurance Company LH-653
Hinduja Group Signs MoU with European Insurer LH-654
Postal Life Insurance Under Postal Administration Cover LH-654
Health Net Eyes Universal’s Health Insurance Business LH-654
Humana Pens Purchase of CHA Health LH-654
Independence Branching in to Consumer Health Plans Administration LH-654
Molina to Acquire HCLB and Cape Health Plan LH-654
Aegon USA Acquires Global Preferred Re LH-654
MetLife Acquires Travelers Life and Annuity Co. LH-655
SNFC Acquires Memorial Insurance Co of America LH-655
ProCentury Acquires Firemans Fund Insurance LH-655
Western and Southern Financial Group Pockets Lafayette LH-655
MIIX Buys MDAdvantage LH-655
Long Term Care Acquires Nations CareLink LH-655
Health Care Service Takes on Blue Cross & Blue Shield LH-655
USI Holdings Acquires HRB Benefits Group LH-655
British Union Purchases Amedex LH-656
Aetna Acquires HMS Healthcare LH-656
Sentry Insurance Acquires Viking Insurance LH-656
Health Benefits Direct Corp Joins Darwin Corp. LH-656
Merrill Lynch & Co to Acquire AMVESCAP Retirement, Inc. LH-656
Bangkok Bank Acquires 10% Stake in PICC Life LH-656
Resolution Life’s Expansion Drive Continues LH-656
Aviva PLC Acquires RAC LH-656
FNIA Acquires Penn Group LH-657
Sun Life Financial Completes the Acquisition of CMG Asia LH-657
ConnectedCare Acquires Bay Benefits LLC LH-657
IAIH Acquires majority interest in Health Plan Administration LH-657
Eureko’s Achmea Merges with Rabobank’s Interpolis LH-657
UnitedHealthcare to Acquire Deere LH-658
Goldman Sachs Acquires Allmerica Financial LH-658
Wiener Staedtische Buys Majority Interest in Royal Polska LH-658
Sagicor Financial Acquires American Founders Life Insurance LH-658
Health Care Service Takes on Blue Cross & Blue Shield LH-658
British Union Purchases Amedex LH-658
Sentry Insurance Acquires Viking Insurance LH-658
HCC Acquires MIC Life Insurance LH-658
MetLife Buys Stake in Mitsui LH-658
Aon Nederland to Acquire Assurantie Advies LH-659
Nationwide Maritime to Divest Life and Pension Operations LH-659
GIG to Buy Stake in Arab Misr Insurance LH-659
Principal Financial Group Buys Stake in Avani Insurance Services LH-659
Pacificare Health Acquires Pacific Life’s Health Insurance
Business LH-659
Aegon USA Acquires Global Preferred Re LH-659
Triple-S to Acquire Great American Life LH-659
Inviva to Acquire Utica National Life LH-659
LTC Global Acquires Ft Myers Agency LH-660
SNFC Acquires Memorial Insurance Co of America LH-660
Goldman Sachs and Blackstone to Acquire UICI LH-660
Inviva to Acquire Utica National Life Insurance LH-660
USI Acquires Cross & Associates LH-660
Hilb Rogal Purchases Doherty LH-660
Aegon NV to Acquire Nationwide Towarzystwo Ubezpieczen na
Zycie SA LH-660
UnitedHealth Acquires PacifiCare LH-660
Humana Inc. Acquires CorpHealth Inc LH-660
LTC Global Acquires Ft Myers Agency LH-661
SNFC Acquires Memorial Insurance Co of America LH-661
Goldman Sachs and Blackstone to Acquire UICI LH-661
Brown & Brown Acquires Nichols & Associates LH-661
HIP to Acquire The PerfectHealth Insurance LH-661
BlueCross BlueShield to Acquire Gordian Health Solutions LH-661
Preferred Care Pens an Agreement with MVP Health Care LH-661
SafeGuard Health Acquires General Electric’s Dental & Health
Maintenance Business LH-661
Comprehensive Unites with IBI Benefits Inc LH-661
USI Acquires Cross & Associates LH-662
CIGNA to Take Over Managed Care Consultants Inc LH-662
Hilb Rogal Purchases Doherty LH-662
Blue Cross Merges with HCSC LH-662
Ark Life and Hibernian in a Life Insurance Venture LH-662
AIG in Alliance with Bank of Tokyo LH-662
Gecis Partners with Liberata of UK LH-662
SMS Inc. Announces Merger with Insuractive, Inc. LH-663
FPA Inks an LOI to Acquire IBC LH-663
Old Mutual Eyes Purchase of Skandia LH-663
HBOS Strides Ahead for Pocketing MLP Life Insurance Company LH-663
Jefferson-Pilot Corp. Eyes Merger with Lincoln National Corp LH-663
Industrial Alliance Makes Quick Moves for Creating a High
Profile Asset Management Company LH-663
Aegon Plans to Acquire Half of Seguros Navarra LH-664
WellPoint to Buy WellChoice LH-664
HNB Signs an Agreement to Acquire Cornerstone Companies LH-664
Prudential to Buy Lincoln National LH-664
Fortis to Acquire BCP Life Insurance Business LH-664
MetLife to Acquire SK Life Insurance LH-664
Advisen Signs Co-Marketing Agreement with ASHRM LH-664
Birla Sun Life Insurance Raring to go in India LH-665
Allianz to Expand its Business in China LH-665
WellPoint Combines Health Insurance Subsidiaries to Form UniCare LH-665
BiceCorp Amalgamates La Construccion and Bice Vida LH-665
Nanshan Life to Foray in Vietnamese Insurance Market LH-665
IDBI Plans to Enter Life Insurance Business LH-665
LIC International Forays into UAE LH-666
Met Life Inc Divests Unit in Indonesia LH-666
JPMorgan to Sell its Insurance Unit LH-666
PICC Obtains CIRC’s Nod for Tri-Nation Partnership for Life
Insurance LH-666
Virgin Group to Enter US Insurance Market LH-666
Benchmark Causes Vibes in Investment Property Insurance LH-666
Guaranty Insurance Services Snaps Up Walter Mortensen LH-667
Beneficial Insurance Services Acquires Paul Hertel & Co. LH-667
First Niagara Signs Agreement with LA Lama LH-667
HSBC to Up Stake in Ping An Insurance LH-667
USI Holdings Enters into an Agreement with Patterson Smith LH-667
Samsung Makes Footprints in Chinese Insurance Market LH-667
Storebrand Life Targets Swedish Pension Market LH-667
Prudential Financial Eyes China LH-668
Nanshan Life to Foray in Vietnamese Insurance Market LH-668

9. Strategic Developments in Past LH-669
RBC Insurance Acquires Provident Life and Accident Insurance Co LH-669
PE Acquisition Corp Acquires Presidio Excess Insurance Services LH-669
Union Bank of California Acquires CNA Trust LH-669
CBSS Takes Over Sevier Insurance Agency LH-669
Manulife Merges with John Hancock LH-669
Universal American Financial Acquires Heritage Health Systems LH-669
USI Holdings Acquires Diversified Insurance Services LH-669
Rose & Kiernan Acquires The Daniels Agency LH-670
USI Holdings Acquires Dodge Warren & Peters LH-670
Prudential Life Buys Aoba Life LH-670
Security National Hikes Stake in Southern Security LH-670
RBC Insurance Acquires Provident Life and Accident Insurance Co LH-670
BB&T Insurance Acquires Wall & Shonter Insurance LH-670
MLHIC Acquires HealthMarket Inc LH-670
Wescom Credit Union Acquires Hallmark Associates Insurance
Services LH-671
Alliant Resources Acquires Benefit Partners LH-671
Citizens Insurance Acquires Security Plan Life Insurance LH-671
Ohio National Life Insurance Acquires Security Mutual Life
Insurance LH-671
Fort Dearborn Acquires Combined Services LH-671
Swanson Acquires Dime Insurance LH-671
COUNTRY Insurance & Financial Services to Acquire MSI
Insurance Co LH-671
HealthExtras Acquires Managed Healthcare Systems LH-671
MLHIC Acquires HealthMarket Inc LH-672
Wescom Credit Union Acquires Hallmark Associates Insurance
Services LH-672
Hartland Insurance Acquires Bosquett LH-672
Anthem Merges with WellPoint LH-672
Arthur J Gallagher & Co Acquires Health Care Insurers LH-672
AllHealth Acquires The Holland Co LH-672
First Mainstreet Insurance Group Acquires Value Quote Insurance LH-672
Arthur J Gallagher Acquires Sheridan Insurance Group LH-672
Brown & Brown Acquires Niagara Insurance Group LH-673
BlueCross BlueShield Acquires USAble Life LH-673
UnitedHealth Group Acquires Fidelity Insurance Group LH-673
Jenkins Athens Group Acquires Seibert Insurance Services LH-673
HIP Health Plan Acquires Connecticare LH-673
Ipacq Holdings Inc Acquires The Chandler Group of Cos. LH-673
PacifiCare Health Systems Inc Acquires American Medical
Security Group LH-673
MultiPlan Acquires US Health LH-674
Advent and Conning Acquires Long Term Care Group LH-674
United American Healthcare Acquires Omnicare Health Plan LH-674
Hub International Acquires TILCO Financial Services Limited LH-674
Centene Plans to Acquire FirstGuard LH-674
Ardent Health Services Plans to Acquire Cimarron Health Plan LH-674
Coventry Health Care to Acquire First Health Group LH-675
University Health Care Plans to Acquire Unity Health Plans
Insurance LH-675
Aetna Plans to Acquire Strategic Resource LH-675
CMI Management Team Plans to Acquire CompManagement LH-675
AMERIGROUP Enters into Acquisition Agreement with CarePlus LLC LH-675
Arkansas and BlueShield of Florida Enter into a Merger Agreement LH-675
MetLife Acquires Stake in Banco del Estado LH-676
CFC Bank Enters into Acquisition Agreement with American Life LH-676
Health Care Service Acquires Omaha Life Insurance LH-676
Liberty Mutual Insurance Group Acquires AGF Allianz LH-676
Swiss Reinsurance Acquires Valley Forge Life Insurance LH-676
Jefferson-Pilot Acquires Canada Life Assurance LH-676
Fortis Acquires Seguros Genesis Metlife LH-677
Quotesmith.com Acquires Life Quotes LH-677
FNB Corp Acquires Morrel Butz & Junker LH-677
Swiss Medical Group Acquires Principal Retiro and Principal Life LH-677
Ceridian Acquires Cigna Healthcare and Cobra LH-677
Universal American Financial Acquires Heritage Health Systems LH-677
Hub International Acquires TILCO Financial Services Limited LH-678
Lovelace Buys Cimarron Health Plan LH-678
USI Holdings Acquires Dodge Warren & Peters LH-678
PE Acquisition Corp Acquires Presidio Excess Insurance Services LH-678
Rose & Kiernan Acquires The Daniels Agency LH-678
BB&T Insurance Acquires Wall & Shonter Insurance LH-678
Standard Management Plans to Acquire SVS Vision Holding LH-678
PacifiCare Health Plans to Acquire Group Health Business of
Pacific Life Insurance Group LH-679
IBM Plans to Acquire Liberty Insurance Services Corp LH-679
MetLife Plans to Acquire Soma Seguradora SA LH-679
White Mountains Insurance Group Plans to Acquire Tryg-Baltica
Forsikring LH-679
Unity Life of Canada Plans to Acquire Superior Life Insurance LH-679
The Carlyle Group and Prudential Group Plan to Acquire Stake
in China Pacific LH-680
Lincoln Insurance Group to Merge with Security Mutual Life
Nebraska Holding Co LH-680
Minnesota Life Enters into a Purchase Agreement with Allied
Solutions LH-680
Allianz to Divest Life Insurance Business LH-680
Royal & Sun alliance Divests UK Life Insurance Business to
Resolution Life Group LH-680
Hub International Purchases Waldron LH-680
Prudential Pockets CIGNA Corp.’s Retirement Planning Business LH-680
Universal American Acquires Pyramid Life LH-680
COUNTRY Acquires Cotton Life LH-681
Swiss Medical Acquires MassLife LH-681
Elecktra Mexico Acquires Cigna Seguros SA LH-681
Clark Consulting Acquires Executive Benefit Solutions LH-681
MetLife acquires Allianz AG’s US Operations LH-681
AXA Acquires Mony Group LH-681
MetLife Acquires Seguros Genesis SA LH-681
NGL Acquires PHMLIC LH-681
Universal American Buys Marketing Business of GRLIC LH-682
PIC Acquires 95% Stake in EquiTable PCI LH-682
Community Bank Acquires YIP LH-682
MetLife Acquires JHLIC’s Group Life Insurance Business LH-682
Bank One Corp. Acquires Zurich Life LH-682
B&C Acquires Augusta Operations of Palmer & Cay LH-682
CFI Acquires KIS LH-682
Phoenix Acquires PFG Holdings LH-682
BankcorpSouth Acquires WMS LLC LH-683
KCL Acquires GuideOne Group LH-683
EMC Merges with National Travelers Life Co LH-683
Hub International Purchases Waldron LH-683
Grupo Bal Buys 40% Stake in GNP LH-683
SLC Acquires SGLIC LH-683
UPC Buys Sun Life’s UK Operations LH-683
John Hancock Acquires Fixed Universal Life Insurance Business
of AFC LH-683
BankNorth Purchases B&D LH-683
FCIS Purchases Piedmont Insurance LH-683
B&B Purchases Assets of BHI LH-684
Wm Rigg Co Buys Assets of RLIAI LH-684
HCC Insurance Divests its HCC Employee Benefits Inc LH-684
CFI Buys Summit Insurance Group LH-684
AIG Acquired GE Edison and the US Auto & Home Insurance
Business of GE LH-684
Hansabank Acquires LDGD LH-684
Universal American Acquires Pyramid Life LH-684
Swiss Medical Acquires MassLife LH-684
White Mountains Acquires Sirius International LH-684
HIAA Merges with AAHP LH-685
Universal American Buys Marketing Business of GRLIC LH-685
Community Bank Acquires YIP LH-685
BankcorpSouth Acquires WMS LLC LH-685
BankNorth Purchases B&D LH-685
IHC Acquires FNFG LH-685
Centene Corp. Purchases Assets of MHP’s Subsidiary LH-685
Clarion Capital Buys US Nursing Corp LH-685
MED America Purchases ERC’s Long Term Care Group, Inc LH-685
River James Group Acquires FESIC LH-686
Choice Administrators Buys BenefitsAlliance LH-686
HFSG Acquires Group Benefits Business of CNA LH-686
Wm Rigg Co Buys Assets of RLIAI LH-686
BB&T Corp Acquires Mc Griff S&W LH-686
HCC Insurance Divests its HCC Employee Benefits Inc LH-686
Universal American Acquires Pyramid Life LH-686
Swiss Medical Acquires MassLife LH-686
Elecktra Mexico Acquires Cigna Seguros SA LH-686
Grupo Bal Buys 40% Stake in GNP LH-687
HCC Insurance Divests its HCC Employee Benefits Inc LH-687
Federated Insurance Divests its Group Retirement Business LH-687
Zurich Life Divests Life Insurance Business to Bank One LH-687
Anthem Acquires Trigon Healthcare LH-687
Bisys Group Acquires Hanleigh Cos LH-687
Canada Life Acquires Disability & Life Operations of Royal &
SunAlliance LH-687
WellPoint Buys Subsidiaries of Methodist Health Care LH-688
AIA Signs Contract with Asia Commercial Bank LH-688
Blue Cross Concludes Agreement with HCA LH-688
AMP Withdraws Several Products from the UK LH-688
Aton Investment House Acquires Stake in Rossia Insurance Company LH-688
Axa Sun Life and Clerical Medical Refocus Operations LH-689
BMO Life Insurance Commences Operations LH-689
Cazenove and AIG Life Reach Agreement LH-689
CGI Group, Industrial -Alliance Renew Service Contract LH-689
China Life Insurance and United Securities Enter into Agreement LH-689
Conseco Divests Segments to Protective Life, American Financial LH-690
Countrywide Assured Signs Agreement with Friends Provident LH-690
JK Insurance Ties Up with Birla Sun Life LH-690
Kotak Mahindra Finance Forms JV with Old Mutual LH-690
Lincoln National Announces New Name for Annuities Business LH-690
Manulife Signs Acquisition Agreement with Chinfon Global LH-690
Max New York Life and Escotel Mobile Form Alliance LH-690
NC State Insurance Dept. Assumes Receivership of London
Pacific Life & Annuity LH-691
Pension Benefit Buys Reliance’s Pension Plan LH-691
Prudential Corp. Acquires ING Life Insurance LH-691
Prudential Expands in Mexico by Acquiring IXE’s Stake in Afore
XXI LH-691
Royal & SunAlliance Sells Offshore Life Operations LH-691
Scottish Annuity & Life Acquires Worldwide Reassurance LH-691
Security Mutual and Ohio National Acquire First ING Life
Insurance LH-692
Skandia Restructures Business Operations LH-692
Sun Life-China Eyebright JV Gets Government Nod LH-692
Waypoint Financial Acquires KeyStone LH-693
Canada Life Acquires Disability and Life Insurance Operations
of Royal & SunAlliance LH-693
Scottish Annuity & Life Holdings Acquires World-Wide Reassurance LH-693
Aviva and UniCredito Italiano Sign Partnership Agreement with
BPCI LH-693
BF&M Joins Forces with Sun LH-693
AXA Hikes Stake in Tecis LH-694
AXA Acquires Stake in AXA Aurora Iberica LH-694
AIG Completes Restructure of American General LH-694
AXA Acquires Stake in AXA Aurora Iberica LH-694
Bisys Acquires Life Brokerage LH-694
CGNU Acquires ABN Amro Magyar LH-695
Clarica Sells Milwaukee to National Guardian LH-695
CNP Acquires Stake in Sasse LH-695
Dabur CGU Life Acquires Insurance Corp. of Singapore LH-695
Daido Life and Taiyo Mutual Take Over Tokyo Mutual LH-695
Hartford Acquires Business Segments of Fortis LH-696
ING Ups Stake in Seguros Comercial LH-696
Inviva Acquires American Life Insurance LH-696
Liverpool Victoria Acquires Permanent Insurance from EquiTable
Life LH-696
Mass Mutual Acquires Aetna Heiwa Life Insurance LH-696
New York Life Acquires Selected Business from Clark-Bordes LH-696
Old Mutual Acquires Fidelity and Guaranty Life LH-696
Prudential Acquires Orico Life LH-697
Prudential Acquires YoungPoong Life LH-697
Prudential Announces Change of Name LH-697
Sun Life Acquires Two Companies LH-697
Vesta Acquires Aegis LH-697
Italian Post Office Introduces Pension Products LH-697
CGNU Acquires Insurance Division of the Development Bank of
Singapore LH-698
Transamerica Life Insurance and NN Life Insurance Merge LH-698
Canada Life Assurance Forms Alliance with Ohio National
Financial Services LH-698
Cigna Divests Stake in Yasuda Kasai Himawari Life Insurance LH-698
Empire Blue Cross and Blue Shield Converts into a For-Profit
Company LH-698
Owensboro Concludes Contract with CHA Health and Humana LH-698
Regence BlueCross BlueShield Opens New Service Center LH-699
Credit Suisse First Boston Acquires CGU LH-699
Groupama Insurances Forms New Division LH-699

10. Focus on Select Insurers Worldwide LH-700
Life Insurers LH-700
Abbey National Life, UK LH-700
Aegon AB, Hungary LH-700
AMP, Australia LH-700
Bao Minh-CMG, Vietnam LH-700
Britannia Life, UK LH-700
Canada Life Financial, Canada LH-701
China Life Insurance Co. Ltd., China LH-701
China Pacific Life Insurance Co., Ltd, China LH-701
Dai-ichi Mutual Life Insurance, Japan LH-701
Danica Pension, Denmark LH-702
Great Eastern Holdings Ltd, Singapore LH-702
Grupo Nacional Provincial, Mexico LH-702
ICICI -Prudential Life Insurance Co. Ltd., India LH-702
Irish Life Assurance PLC, Ireland LH-702
Kyobo Life Insurance Co., Ltd., Korea - Leading Life Insurer
in Korea LH-703
Life Insurance Corp. of India - Largest Life Insurer in India LH-703
Lincoln National Corp., US LH-703
Lloyds TSB Life Assurance Company Limited, UK LH-703
Lloyds TSB Life Assurance Company Limited, UK LH-704
MassMutual Financial Group, US LH-704
Meiji Yasuda Life Insurance, Japan - Leading Life Insurer in
Japan LH-704
New York Life Insurance Co., US LH-704
Nippon Life Insurance Co., Japan - Largest Japanese Life Insurer LH-705
Pacific Life Insurance Co., US LH-705
PFA Pension, Denmark LH-705
Pingan Insurance Co., China LH-705
Prudential Financial, US LH-706
Prudential Plc, UK LH-706
The Prudential Assurance Co. Ltd, Hong Kong LH-706
Samsung Life Insurance, Korea LH-706
Standard Life, UK LH-707
Sumitomo Life Insurance, Japan LH-707
Sun Life Financial Inc, Canada LH-707
Suncorp Metway Insurance Ltd, UK LH-708
The EquiTable Life Assurance Society, UK LH-708
TIAA Group, US LH-708
Unum Group., US LH-708
Life Insurance Majors with Non-Life/Reinsurance Operations LH-709
Alexander Forbes Ltd., South Africa LH-709
Asahi Mutual Life Insurance, Japan LH-709
Aviva Plc, UK - Fifth Largest Life Insurer in the World LH-709
AXA Group, France LH-710
AXA Equitable, US LH-710
Fennia Group, Finland LH-710
Great - West Lifeco Inc., Canada - Leading Life/Health
Insurer in Canada LH-711
Hilb Rogal & Hobbs Company, US LH-711
ING Group NV, Netherlands - A Leading Global Life Insurer LH-711
Legal & General Group Plc, UK LH-712
Manulife Financial Corp., Canada LH-712
John Hancock Financial Services, US LH-712
Metropolitan Life Insurance Co., US LH-713
Skandia Insurance Co Ltd, Sweden LH-713
Topdanmark, Denmark LH-713
Composite Insurers with Substantial Life Operations LH-713
Allianz SE, Germany LH-713
American International Group, Inc., US LH-714
Assicurazioni Generali, Italy LH-714
Bajaj Allianz General Insurance Co., India - Largest Private
Non-Life Insurer in India LH-714
Baoviet (Vietnam Insurance Corp.), Vietnam LH-715
Grupo Bradesco de Seguros, Brazil LH-715
Ceska Pojistovna AS, Czech Republic - Largest Insurer in the
Czech Republic LH-715
Cigna Corp., US LH-716
Debeka Krankenversicherungsverein, Germany - A Leading
Insurer in Germany LH-716
Direct Line, UK LH-717
Ecclesiastical Insurance Group, UK LH-717
GE Insurance Solution, US LH-717
Generali -Providencia, Hungary LH-718
Atradius, Germany LH-718
Groupama, France LH-718
Halifax Life UK LH-718
HBOS PLC, UK LH-719
Hartford Financial Services Group, Inc., US LH-719
Insurance Australia Group Ltd. (IAG), Australia LH-720
Kooperativa Pojistovna, Czech Republic LH-720
Mitsui Sumitomo Insurance Company, Ltd., Japan LH-720
Nordea Group, Finland LH-720
NTUC Income, Singapore LH-721
PT Panin Insurance, Indonesia LH-721
Royal & Sun Alliance Insurance Group, UK LH-721
Sampo Insurance Co., Finland LH-721
Sompo Japan Insurance Inc., Japan LH-722
State Farm Mutual Automobile Insurance Company, US LH-722
Tapiola, Finland LH-723
Zurich Financial Services, Switzerland LH-723
Focus on Select Health/Disability Insurers Worldwide LH-723
Health Insurance Majors LH-723
AFLAC, US LH-723
ASISA, Spain LH-723
BUPA (British Union Provident Association), UK LH-724
DKV Deutsche Krankenversicherung, Germany - One of the
Leading German Insurers LH-724
Great - West Lifeco Inc., Canada - Leading Life/Health
Insurer in Canada LH-724
Life and Non-Life Companies offering Health Coverage Policies LH-724
Asahi Mutual Life Insurance, Japan LH-724
Assicurazioni Generali, Italy LH-725
Bajaj Allianz General Insurance Co., India LH-725
Bulstrad DSK Life, Bulgaria LH-725
Ceska Pojistovna AS, Czech Republic - Largest Insurer in the
Czech Republic LH-725
China Life Insurance Co. Ltd., China LH-726
Cigna Corp., US LH-726
Danica Pension, Denmark LH-727
Debeka Krankenversicherungsverein, Germany - A Leading
Insurer in Germany LH-727
GE Insurance Solution, US LH-727
General Insurance Co., India LH-728
Atradius, Germany LH-728
Groupama, France LH-728
Insurance Australia Group Ltd. (IAG), Australia LH-728
Legal & General Group Plc, UK LH-728
Hartford Financial Services Group, Inc., US LH-729
MassMutual Financial Group, US LH-729
Manulife Financial Corp., Canada LH-729
Metropolitan Life Insurance Co., US LH-730
Pacific Life Insurance Co., US LH-730
PFA Pension, Denmark LH-730
Samsung Life Insurance, Korea LH-731
State Farm Mutual Automobile Insurance Co., US LH-731
Sumitomo Life Insurance, Japan LH-731
TIAA Group, US LH-731
Tryg Skade, Denmark LH-731

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