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Life Insurance in Portugal, Key Trends and Opportunities to 2017 - Product Image

Life Insurance in Portugal, Key Trends and Opportunities to 2017

  • Published: December 2013
  • Region: Portugal
  • 263 pages
  • Timetric

The report provides in depth market analysis, information and insights into the Portuguese life insurance segment, including:
- The Portuguese life insurance segment’s growth prospects by life insurance categories
- Key trends and drivers for the life insurance segment
- The various distribution channels in the Portuguese life insurance segment
- Detailed competitive landscape in the life insurance segment in Portugal
- Detailed regulatory framework of the Portuguese insurance industry
- A description of the life reinsurance segment in Portugal
- Porter's Five Forces Analysis of the life insurance segment
- Benchmarking section on the Portuguese life insurance segment in comparison to other countries with gross written premium in the range of US$10 billion to US$40 billion

Summary
Weak economic environment and rising unemployment, on account of the financial crisis and the subsequent sovereign debt crisis, led to a decline in Portuguese life insurance product sales during the review period (2008–2012). Endowments and pensions were the largest categories in the segment, collectively accounting for 81.8% of the gross written premium READ MORE >

1 Executive Summary
2 Introduction
2.1 What is This Report About?
2.2 Definitions
2.3 Methodology
3 Regional Market Dynamics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size
4 Life Insurance
4.1 Scale and Penetration
4.1.1 Total gross written premium
4.1.2 Premium per capita
4.1.3 Life insurance penetration
4.2 Growth
4.2.1 Gross written premium
4.2.2 Gross written premium per capita
4.3 Efficiency and Risk
4.3.1 Loss ratio
4.3.2 Combined ratio
4.3.3 Incurred losses per capita
4.3.4 Incurred losses as a percentage of GDP
4.4 Distribution Channels
4.4.1 Direct marketing
4.4.2 Insurance brokers
4.4.3 Bancassurance
4.4.4 Agencies
5 Portuguese Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends and Drivers
6 Life Insurance Outlook
6.1 Life Insurance Growth Prospects by Category
6.1.1 Individual life insurance
6.1.2 Individual general annuity insurance
6.1.3 Individual pension
6.1.4 Individual endowment insurance
6.1.5 Individual unit-linked insurance
6.1.6 Individual term life insurance
6.1.7 Other individual insurance
6.1.8 Group life insurance
6.1.9 Group superannuation insurance
6.1.10 Group unit-linked insurance
6.2 Life Insurance Growth Prospects by Product Type
6.2.1 Individual single-premium policies
6.2.2 Individual non-single-premium policies
6.2.3 Group single-premium policies
6.2.4 Group non-single-premium policies
7 Analysis by Distribution Channel
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 Brokers
7.5 Other Channels
8 Porter’s Five Forces Analysis – Portuguese Life Insurance
8.1 Bargaining Power of Supplier: Low-to-Medium
8.2 Bargaining Power of Buyer: Medium
8.3 Barriers to Entry: Medium
8.4 Intensity of Rivalry: Medium to High
8.5 Threat of Substitutes: Low to Medium
9 Reinsurance Growth Dynamics and Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size by Type of Insurance, 2008–2017
10 Governance, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation and Market Practice by Type of Insurance
10.2.1 Life insurance
10.2.2 Property insurance
10.2.3 Motor insurance
10.2.4 Marine, aviation and transit insurance
10.2.5 Personal accident and health insurance
10.3 Compulsory Insurance
10.3.1 Motor vehicle third-party liability insurance
10.3.2 Air carriers and aircraft operators insurance
10.4 Supervision and Control
10.4.1 International regulatory authority
10.4.2 European Insurance and Occupational Pensions Authority
10.4.3 Portugal Insurance Institute
10.4.4 Portuguese Association of Insurers
10.5 Non-Admitted Insurance Regulations
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market practices
10.5.4 Fines and penalties
10.6 Company Registration and Operations
10.6.1 Types of insurance organization
10.6.2 Establishing a local company
10.6.3 Foreign ownership
10.6.4 Types of license
10.6.5 Capital requirements
10.6.6 Solvency margins
10.6.7 Reserve requirements
10.6.8 Investment regulations
10.6.9 Statutory return requirements
10.6.10 Fee structure
10.7 Taxation
10.7.1 Insurance premium or policy taxation
10.7.2 Withholding taxes on premium paid overseas
10.7.3 Corporate tax
10.7.4 VAT
10.7.5 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access to court
10.8.3 Alternative dispute resolution (ADR)
11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 Leading Companies in the Portuguese Life Insurance Segment
11.3 Comparison of Top Five Insurers
11.3.1 Net earned premium
11.4 Companhia de Seguros Fidelidade Mundial SA – Company Overview
11.4.1 Companhia de Seguros Fidelidade Mundial SA – key facts
11.4.2 Companhia de Seguros Fidelidade Mundial SA – key financials
11.5 BES-Vida Companhia de Seguros, SA – Company Overview
11.5.1 BES-Vida Companhia de Seguros, SA – key facts
11.5.2 BES-Vida Companhia de Seguros, SA – key financials
11.6 Ocidental - Companhia Portuguesa de Seguros de Vida SA – Company Overview
11.6.1 Ocidental - Companhia Portuguesa de Seguros de Vida SA – key facts
11.6.2 Ocidental - Companhia Portuguesa de Seguros de Vida SA – key financials
11.7 Santander Totta Seguros – Company Overview
11.7.1 Santander Totta Seguros – key facts
11.7.2 Santander Totta Seguros – key financials
11.8 Crédito Agrícola Vida – Companhia de Seguros SA – Company Overview
11.8.1 Crédito Agrícola Vida – Companhia de Seguros SA – key facts
11.8.2 Crédito Agrícola Vida – Companhia de Seguros SA – key financials
11.9 BPI Vida e Pensões - Companhia de Seguros SA – Company Overview
11.9.1 BPI Vida e Pensões - Companhia de Seguros SA – key facts
11.9.2 BPI Vida e Pensões - Companhia de Seguros SA – key financials
11.1 Companhia de Seguros Allianz Portugal SA – Company Overview
11.10.1 Companhia de Seguros Allianz Portugal SA – key facts
11.10.2 Companhia de Seguros Allianz Portugal SA – key financials
11.11 Companhia de Seguros Açoreana, SA – Company Overview
11.11.1 Companhia de Seguros Açoreana, SA – key facts
11.11.2 Companhia de Seguros Açoreana, SA – key financials
11.12 Eurovida - Companhia de Seguros de Vida, SA – Company Overview
11.12.1 Eurovida - Companhia de Seguros de Vida, SA – key facts
11.12.2 Eurovida - Companhia de Seguros de Vida, SA – key financials
11.13 CNP Barclays Vida y Pensiones, Compañia de Seguros, SA – Company Overview
11.13.1 CNP Barclays Vida y Pensiones, Compañia de Seguros, SA – key facts
12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Lisbon Stock Exchange, Portugal
12.2 Economic Performance
12.2.1 GDP at constant prices (US$)
12.2.2 GDP per capita at constant prices (US$)
12.2.3 GDP at current prices (US$)
12.2.4 GDP per capita at current prices (US$)
12.2.5 Agriculture, hunting, forestry and fishing net output at current prices (US$)
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.7 Manufacturing net output at current prices (US$)
12.2.8 Manufacturing net output at current prices as a percentage of GDP
12.2.9 Mining, manufacturing and utilities at current prices (US$)
12.2.10 Mining, manufacturing and utilities at current prices, as a percentage of GDP
12.2.11 Construction net output at current prices, (US$)
12.2.12 Construction net output at current prices as a percentage of GDP
12.2.13 Inflation rate
12.2.14 Merchandise exports as a percentage of GDP
12.2.15 Goods imports as a percentage of GDP
12.2.16 Exports growth
12.2.17 Imports growth
12.2.18 Annual average exchange rate EUR–US$
12.3 Infrastructure Quality and Availability
12.3.1 Commercial vehicle exports – total value
12.3.2 Commercial vehicle imports – total value
12.3.3 Automotive exports – total value
12.3.4 Automotive imports – total value
12.3.5 Total Internet subscribers
12.4 Labor Force
12.4.1 Labor force
12.4.2 Unemployment rate
12.5 Demographics
12.5.1 Gross national disposable income (US$)
12.5.2 Household consumption expenditure (US$)
12.5.3 Total population
12.5.4 Urban and rural populations
12.5.5 Age distribution of the total population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer

List of Tables
Table 1: Insurance Industry Definitions
Table 2: Portuguese Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2012
Table 3: Portuguese Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012
Table 4: Portuguese Insurance – Overall Written Premium by Segment (EUR Billion), 2012–2017
Table 5: Portuguese Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017
Table 6: Portuguese Insurance – Segmentation (Percentage Share), 2008–2017
Table 7: Portuguese Life Insurance – Written Premium by Category (EUR Billion), 2008–2012
Table 8: Portuguese Life Insurance – Written Premium by Category (US$ Billion), 2008–2012
Table 9: Portuguese Life Insurance – Written Premium by Category (EUR Billion), 2012–2017
Table 10: Portuguese Life Insurance – Written Premium by Category (US$ Billion), 2012–2017
Table 11: Portuguese Life Insurance – Earned Premium (EUR Billion), 2008–2012
Table 12: Portuguese Life Insurance – Earned Premium (EUR Billion), 2012–2017
Table 13: Portuguese Life Insurance – Sum Assured (EUR Billion), 2008–2012
Table 14: Portuguese Life Insurance – Sum Assured (EUR Billion), 2012–2017
Table 15: Portuguese Life Insurance – Paid Claims (EUR Billion), 2008–2012
Table 16: Portuguese Life Insurance – Paid Claims (EUR Billion), 2012–2017
Table 17: Portuguese Life Insurance – Incurred Loss (EUR Billion), 2008–2012
Table 18: Portuguese Life Insurance – Incurred Loss (EUR Billion), 2012–2017
Table 19: Portuguese Life Insurance – Loss Ratio (%), 2008–2012
Table 20: Portuguese Life Insurance – Loss Ratio (%), 2012–2017
Table 21: Portuguese Life Insurance – Commissions and Expenses (EUR Billion), 2008–2012
Table 22: Portuguese Life Insurance – Commissions and Expenses (EUR Billion), 2012–2017
Table 23: Portuguese Life Insurance – Combined Ratio (%), 2008–2012
Table 24: Portuguese Life Insurance – Combined Ratio (%), 2012–2017
Table 25: Portuguese Life Insurance – Fraud and Crimes (EUR Billion), 2008–2012
Table 26: Portuguese Life Insurance – Fraud and Crimes (EUR Billion), 2012–2017
Table 27: Portuguese Life Insurance – Total Assets (EUR Billion), 2008–2012
Table 28: Portuguese Life Insurance – Total Assets (EUR Billion), 2012–2017
Table 29: Portuguese Life Insurance – Total Investment Income (EUR Billion), 2008–2012
Table 30: Portuguese Life Insurance – Total Investment Income (EUR Billion), 2012–2017
Table 31: Portuguese Life Insurance – Retentions (EUR Billion), 2008–2012
Table 32: Portuguese Life Insurance – Retentions (EUR Billion), 2012–2017
Table 33: Portuguese Individual Life Insurance – Number of Active Policies (Thousand), 2008–2012
Table 34: Portuguese Individual Life Insurance – Number of Active Policies, 2012–2017
Table 35: Portuguese Individual Life Insurance – Written Premium (EUR Billion), 2008–2012
Table 36: Portuguese Individual Life Insurance – Written Premium (EUR Billion), 2012–2017
Table 37: Portuguese Individual General Annuity Insurance – Number of Active Policies (Thousand), 2008–2012
Table 38: Portuguese Individual General Annuity Insurance – Number of Active Policies (Thousand), 2012–2017
Table 39: Portuguese Individual General Annuity Insurance – Written Premium (EUR Billion), 2008–2012
Table 40: Portuguese Individual General Annuity Insurance – Written Premium (EUR Billion), 2012–2017
Table 41: Portuguese Individual Pension Insurance – Number of Active Policies (Thousand), 2008–2012
Table 42: Portuguese Individual Pension Insurance – Number of Active Policies (Thousand), 2012–2017
Table 43: Portuguese Individual Pension Insurance – Written Premium (EUR Billion), 2008–2012
Table 44: Portuguese Individual Pension Insurance – Written Premium (EUR Billion), 2012–2017
Table 45: Portuguese Individual Endowment Insurance – Number of Active Policies (Thousand), 2008–2012
Table 46: Portuguese Individual Endowment Insurance – Number of Active Policies (Thousand), 2012–2017
Table 47: Portuguese Individual Endowment Insurance – Written Premium (EUR Billion), 2008–2012
Table 48: Portuguese Individual Endowment Insurance – Written Premium (EUR Billion), 2012–2017
Table 49: Portuguese Individual Unit-Linked Insurance – Number of Active Policies (Thousand), 2008–2012
Table 50: Portuguese Individual Unit-Linked Insurance – Number of Active Policies (Thousand), 2012–2017
Table 51: Portuguese Individual Unit-Linked Insurance – Written Premium (EUR Billion), 2008–2012
Table 52: Portuguese Individual Unit-Linked Insurance – Written Premium (EUR Billion), 2012–2017
Table 53: Portuguese Individual Term Life Insurance – Number of Active Policies (Thousand), 2008–2012
Table 54: Portuguese Individual Term Life Insurance – Number of Active Policies (Thousand), 2012–2017
Table 55: Portuguese Individual Term Life Insurance – Written Premium (EUR Million), 2008–2012
Table 56: Portuguese Individual Term Life Insurance – Written Premium (EUR Million), 2012–2017
Table 57: Portuguese Other Individual Insurance – Number of Active Policies (Thousand), 2008–2012
Table 58: Portuguese Other Individual Insurance – Number of Active Policies (Thousand), 2012–2017
Table 59: Portuguese Other Individual Insurance – Written Premium (EUR Billion), 2008–2012
Table 60: Portuguese Other Individual Insurance – Written Premium (EUR Billion), 2012–2017
Table 61: Portuguese Group Life Insurance – Number of Active Policies (Thousand), 2008–2012
Table 62: Portuguese Group Life Insurance – Number of Active Policies (Thousand), 2012–2017
Table 63: Portuguese Group Life Insurance – Written Premium (EUR Billion), 2008–2012
Table 64: Portuguese Group Life Insurance – Written Premium (EUR Billion), 2012–2017
Table 65: Portuguese Group Superannuation Insurance – Number of Active Policies (Thousand), 2008–2012
Table 66: Portuguese Group Superannuation Insurance – Number of Active Policies (Thousand), 2012–2017
Table 67: Portuguese Group Superannuation Insurance – Written Premium (EUR Million), 2008–2012
Table 68: Portuguese Group Superannuation Insurance – Written Premium (EUR Million), 2012–2017
Table 69: Portuguese Group Unit-Linked Insurance – Number of Active Policies (Thousand), 2008–2012
Table 70: Portuguese Group Unit-Linked Insurance – Number of Active Policies (Thousand), 2012–2017
Table 71: Portuguese Group Unit-Linked Insurance – Written Premium (EUR Million), 2008–2012
Table 72: Portuguese Group Unit-Linked Insurance – Written Premium (EUR Million), 2012–2017
Table 73: Portuguese Individual Single-Premium Insurance – Number of Active Policies (Thousand), 2008–2012
Table 74: Portuguese Individual Single-Premium Insurance – Number of Active Policies (Thousand), 2012–2017
Table 75: Portuguese Individual Single-Premium Insurance – Written Premium (EUR Billion), 2008–2012
Table 76: Portuguese Individual Single-Premium Insurance – Written Premium (EUR Billion), 2012–2017
Table 77: Portuguese Individual Non-Single-Premium Insurance – Number of Active Policies (Thousand), 2008–2012
Table 78: Portuguese Individual Non-Single-Premium Insurance – Number of Active Policies (Thousand), 2012–2017
Table 79: Portuguese Individual Non-Single-Premium Insurance – Written Premium (EUR Million), 2008–2012
Table 80: Portuguese Individual Non-Single-Premium Insurance – Written Premium (EUR Million), 2012–2017
Table 81: Portuguese Group Single-Premium Insurance – Number of Active Policies (Thousand), 2008–2012
Table 82: Portuguese Group Single-Premium Insurance – Number of Active Policies (Thousand), 2012–2017
Table 83: Portuguese Group Single-Premium Insurance – Written Premium (EUR Billion), 2008–2012
Table 84: Portuguese Group Single-Premium Insurance – Written Premium (EUR Billion), 2012–2017
Table 85: Portuguese Group Non-Single-Premium Insurance – Number of Active Policies (Thousand), 2008–2012
Table 86: Portuguese Group Non-Single-Premium Insurance – Number of Active Policies (Thousand), 2012–2017
Table 87: Portuguese Group Non-Single-Premium Insurance – Written Premium (EUR Billion), 2008–2012
Table 88: Portuguese Group Non-Single-Premium Insurance – Written Premium (EUR Billion), 2012–2017
Table 89: Portuguese Life Insurance – Direct Marketing Commission Paid (EUR Million), 2008–2012
Table 90: Portuguese Life Insurance – Direct Marketing Commission Paid (EUR Million), 2012–2017
Table 91: Portuguese Life Insurance – New Business Written Premium Through Direct Marketing (EUR Million), 2008–2012
Table 92: Portuguese Life Insurance – New Business Written Premium Through Direct Marketing (EUR Million), 2012–2017
Table 93: Portuguese Life Insurance – New Policies Sold Through Direct Marketing (Thousand), 2008–2012
Table 94: Portuguese Life Insurance – New Policies Sold Through Direct Marketing (Thousand), 2012–2017
Table 95: Portuguese Life Insurance – Number of Direct Marketing Distributors, 2008–2012
Table 96: Portuguese Life Insurance – Number of Direct Marketing Distributors, 2012–2017
Table 97: Portuguese Life Insurance – Bancassurance Commission Paid (EUR Million), 2008–2012
Table 98: Portuguese Life Insurance – Bancassurance Commission Paid (EUR Million), 2012–2017
Table 99: Portuguese Life Insurance – New Business Written Premium Through Bancassurance (EUR Billion), 2008–2012
Table 100: Portuguese Life Insurance – New Business Written Premium Through Bancassurance (EUR Billion), 2012–2017
Table 101: Portuguese Life Insurance – New Policies Sold Through Bancassurance (Thousand), 2008–2012
Table 102: Portuguese Life Insurance – New Policies Sold Through Bancassurance (Thousand), 2012–2017
Table 103: Portuguese Life Insurance – Number of Bancassurance Distributors, 2008–2012
Table 104: Portuguese Life Insurance – Number of Bancassurance Distributors, 2012–2017
Table 105: Portuguese Life Insurance – Commission Paid to Agencies (EUR Million), 2008–2012
Table 106: Portuguese Life Insurance – Commission Paid to Agencies (EUR Million), 2012–2017
Table 107: Portuguese Life Insurance – New Business Written Premium Through Agencies (EUR Million), 2008–2012
Table 108: Portuguese Life Insurance – New Business Written Premium Through Agencies (EUR Million), 2012–2017
Table 109: Portuguese Life Insurance – New Policies Sold Through Agencies (Thousand), 2008–2012
Table 110: Portuguese Life Insurance – New Policies Sold Through Agencies (Thousand), 2012–2017
Table 111: Portuguese Life Insurance – Number of Agencies, 2008–2012
Table 112: Portuguese Life Insurance – Number of Agencies, 2012–2017
Table 113: Portuguese Life Insurance – Commission Paid to Brokers (EUR Million), 2008–2012
Table 114: Portuguese Life Insurance – Commission Paid to Brokers (EUR Million), 2012–2017
Table 115: Portuguese Life Insurance – New Business Written Premium Through Brokers (EUR Million), 2008–2012
Table 116: Portuguese Life Insurance – New Business Written Premium Through Brokers (EUR Million), 2012–2017
Table 117: Portuguese Life Insurance – New Policies Sold Through Brokers (Thousand), 2008–2012
Table 118: Portuguese Life Insurance – New Policies Sold Through Brokers (Thousand), 2012–2017
Table 119: Portuguese Life Insurance – Number of Brokers, 2008–2012
Table 120: Portuguese Life Insurance – Number of Brokers, 2012–2017
Table 121: Portuguese Life Insurance – Commission Paid to Other Channels (EUR Million), 2008–2012
Table 122: Portuguese Life Insurance – Commission Paid to Other Channels (EUR Million), 2012–2017
Table 123: Portuguese Life Insurance – New Business Written Premium Through Other Channels (EUR Million), 2008–2012
Table 124: Portuguese Life Insurance – New Business Written Premium Through Other Channels (EUR Million), 2012–2017
Table 125: Portuguese Life Insurance – New Policies Sold Through Other Channels (Thousand), 2008–2012
Table 126: Portuguese Life Insurance – New Policies Sold Through Other Channels (Thousand), 2012–2017
Table 127: Portuguese Life Insurance – Number of Distributors in Other Channels, 2008–2012
Table 128: Portuguese Life Insurance – Number of Distributors in Other Channels, 2012–2017
Table 129: Reinsurance in Portugal by Category (EUR Billion), 2008–2012
Table 130: Reinsurance in Portugal by Category (US$ Billion), 2008–2012
Table 131: Reinsurance in Portugal by Category (EUR Billion), 2012–2017
Table 132: Reinsurance in Portugal by Category (US$ Billion), 2012–2017
Table 133: Portuguese Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2008–2012
Table 134: Portuguese Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008–2012
Table 135: Portuguese Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2012–2017
Table 136: Portuguese Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012–2017
Table 137: Portuguese Life Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 138: Portuguese Life Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 139: Portugal – Life Insurance Regulatory Framework
Table 140: Portugal – Property Insurance Regulatory Framework
Table 141: Portugal – Motor Insurance Regulatory Framework
Table 142: Portugal – Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
Table 143: Portugal – Stamp Duty on Insurance Premium
Table 144: Portugal – Corporate Tax Rates for the Financial Year 2013
Table 145: Share of Key Insurers in Portuguese Life Insurance Segment, 2012
Table 146: Companhia de Seguros Fidelidade Mundial SA, Key Facts
Table 147: Companhia de Seguros Fidelidade Mundial SA – Key Financials (EUR Million), 2007–2012
Table 148: BES-Vida Companhia de Seguros, SA, Key Facts
Table 149: BES-Vida Companhia de Seguros, SA – Key Financials (EUR Million), 2007–2012
Table 150: Ocidental - Companhia Portuguesa de Seguros de Vida SA, Key Facts
Table 151: Ocidental - Companhia Portuguesa de Seguros de Vida SA – Key Financials (EUR Million), 2008–2012
Table 152: Santander Totta Seguros, Key Facts
Table 153: Santander Totta Seguros – Key Financials (EUR Million), 2007–2012
Table 154: Crédito Agrícola Vida – Companhia de Seguros SA, Key Facts
Table 155: Crédito Agrícola Vida – Companhia de Seguros SA – Key Financials (EUR Million), 2008–2012
Table 156: BPI Vida e Pensões - Companhia de Seguros SA, Key Facts
Table 157: BPI Vida e Pensões - Companhia de Seguros SA – Key Financials (EUR Million), 2007–2012
Table 158: Companhia de Seguros Allianz Portugal SA, Key Facts
Table 159: Companhia de Seguros Allianz Portugal SA – Key Financials (EUR Million), 2008–2012
Table 160: Companhia de Seguros Açoreana, SA, Key Facts
Table 161: Companhia de Seguros Açoreana, SA – Key Financials (EUR Million), 2008–2012
Table 162: Eurovida - Companhia de Seguros de Vida, SA, Key Facts
Table 163: Eurovida - Companhia de Seguros de Vida, SA – Key Financials (EUR Million), 2007–2012
Table 164: CNP Barclays Vida y Pensiones, Compañia de Seguros, SA, Key Facts

List of Figures
Figure 1: Peer Group (US$10–40 billion) Insurance Markets – Economies and Populations, 2011
Figure 2: Peer Group (US$10–40 billion) Insurance Markets – Growth Trends in the Insurance Industry (%), 2007–2016
Figure 3: Peer Group (US$10–40 billion) Insurance Markets – Total Industry Values by Segment (US$ Billion), 2011
Figure 4: Peer Group (US$10–40 billion) Insurance Markets – Life Insurance Gross Written Premium Growth (%), 2007–2016
Figure 5: Peer Group (US$10–40 Billion) Insurance Markets – Life Insurance Premium Per Capita Growth (%), 2011
Figure 6: Peer Group (US$10–40 Billion) Insurance Markets – Life Insurance Penetration (%), 2011 and 2016
Figure 7: Peer Group (US$10–40 Billion) Insurance Markets – Life Insurance Gross Written Premium Growth (%), 2007–2016
Figure 8: Peer Group (US$10–40 Billion) Insurance Markets – Life Insurance Gross Written Premium per Capita Growth (%), 2007–2016
Figure 9: Peer Group (US$10–40 Billion) Insurance Markets – Life Insurance Loss Ratio (%), 2011 and 2016
Figure 10: Peer Group (US$10–40 Billion) Insurance Markets – Life Insurance Combined Ratios (%), 2011 and 2016
Figure 11: Peer Group (US$10–40 Billion) Insurance Markets – Life Insurance Incurred Losses Per Capita (US$), 2011 and 2016
Figure 12: Peer Group (US$10–40 Billion) Insurance Markets – Life Insurance Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 13: Peer Group (US$10–40 Billion) Insurance Markets – Direct Marketing Share of Life Insurance New Business Gross Written Premium (%), 2007–2016
Figure 14: Peer Group (US$10–40 Billion) Insurance Markets – Insurance Brokers’ Share of Life Insurance New Business Gross Written Premium (%), 2007–2016
Figure 15: Peer Group (US$10–40 Billion) Insurance Markets – Bancassurance Share of Life Insurance New Business Gross Written Premium (%), 2007–2016
Figure 16: Peer Group (US$10–40 Billion) Insurance Markets – Agencies’ Share of Life Insurance New Business Gross Written Premium (%), 2007–2016
Figure 17: Portuguese Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2017
Figure 18: Portuguese Insurance – Dynamics by Segment (%), 2008–2017
Figure 19: Portuguese Life Insurance – Written Premium by Category (EUR Billion), 2008–2017
Figure 20: Portuguese Life Insurance – Written Premium by Category (Percentage Share), 2012 and 2017
Figure 21: Portuguese Life Insurance – Dynamics by Category (%), 2008–2017
Figure 22: Portuguese Life Insurance – Earned Premium (EUR Billion), 2008–2012
Figure 23: Portuguese Life Insurance – Earned Premium (EUR Billion), 2012–2017
Figure 24: Portuguese Life Insurance – Sum Assured (EUR Billion), 2008–2012
Figure 25: Portuguese Life Insurance – Sum Assured (EUR Billion), 2012–2017
Figure 26: Portuguese Life Insurance – Paid Claims (EUR Billion), 2008–2012
Figure 27: Portuguese Life Insurance – Paid Claims (EUR Billion), 2012–2017
Figure 28: Portuguese Life Insurance – Incurred Loss (EUR Billion), 2008–2012
Figure 29: Portuguese Life Insurance – Incurred Loss (EUR Billion), 2012–2017
Figure 30: Portuguese Life Insurance – Loss Ratio (%), 2008–2012
Figure 31: Portuguese Life Insurance – Loss Ratio (%), 2012–2017
Figure 32: Portuguese Life Insurance – Commissions and Expenses (EUR Billion), 2008–2012
Figure 33: Portuguese Life Insurance – Commissions and Expenses (EUR Billion), 2012–2017
Figure 34: Portuguese Life Insurance – Combined Ratio (%), 2008–2012
Figure 35: Portuguese Life Insurance – Combined Ratio (%), 2012–2017
Figure 36: Portuguese Life Insurance – Fraud and Crimes (EUR Billion), 2008–2012
Figure 37: Portuguese Life Insurance – Fraud and Crimes (EUR Billion), 2012–2017
Figure 38: Portuguese Life Insurance – Total Assets (EUR Billion), 2008–2012
Figure 39: Portuguese Life Insurance – Total Assets (EUR Billion), 2012–2017
Figure 40: Portuguese Life Insurance – Total Investment Income (EUR Billion), 2008–2012
Figure 41: Portuguese Life Insurance – Total Investment Income (EUR Billion), 2012–2017
Figure 42: Portuguese Life Insurance – Retentions (EUR Billion), 2008–2012
Figure 43: Portuguese Life Insurance – Retentions (EUR Billion), 2012–2017
Figure 44: Portuguese Life Insurance – Investment Portfolio (EUR Billion), 2008–2012
Figure 45: Portuguese Life Insurance – Investment Portfolio (%), 2008 and 2012
Figure 46: Portuguese Life Insurance – Penetration (%), 2008–2012
Figure 47: Portuguese Life Insurance – Density (Number of Policies per Capita), 2008–2012
Figure 48: Portuguese Life Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 49: Portuguese Life Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 50: Portuguese Life Insurance – Premium per Capita (EUR), 2008–2012
Figure 51: Portuguese Individual Life Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 52: Portuguese Individual Life Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 53: Portuguese Individual Life Insurance – Written Premium (EUR Billion), 2008–2012
Figure 54: Portuguese Individual Life Insurance – Written Premium (EUR Billion), 2012–2017
Figure 55: Portuguese Individual General Annuity Insurance – Number Of Active Policies (Thousand), 2008–2012
Figure 56: Portuguese Individual General Annuity Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 57: Portuguese Individual General Annuity Insurance – Written Premium (EUR Billion), 2008–2012
Figure 58: Portuguese Individual General Annuity Insurance – Written Premium (EUR Billion), 2012–2017
Figure 59: Portuguese Individual Pension Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 60: Portuguese Individual Pension Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 61: Portuguese Individual Pension Insurance – Written Premium (EUR Billion), 2008–2012
Figure 62: Portuguese Individual Pension Insurance – Written Premium (EUR Billion), 2012–2017
Figure 63: Portuguese Individual Endowment Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 64: Portuguese Individual Endowment Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 65: Portuguese Individual Endowment Insurance – Written Premium (EUR Billion), 2008–2012
Figure 66: Portuguese Individual Endowment Insurance – Written Premium (EUR Billion), 2012–2017
Figure 67: Portuguese Individual Unit-Linked Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 68: Portuguese Individual Unit-Linked Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 69: Portuguese Individual Unit-Linked Insurance – Written Premium (EUR Billion), 2008–2012
Figure 70: Portuguese Individual Unit-Linked Insurance – Written Premium (EUR Billion), 2012–2017
Figure 71: Portuguese Individual Term Life Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 72: Portuguese Individual Term Life Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 73: Portuguese Individual Term Life Insurance – Written Premium (EUR Million), 2008–2012
Figure 74: Portuguese Individual Term Life Insurance – Written Premium (EUR Million), 2012–2017
Figure 75: Portuguese Other Individual Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 76: Portuguese Other Individual Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 77: Portuguese Other Individual Insurance – Written Premium (EUR Billion), 2008–2012
Figure 78: Portuguese Other Individual Insurance – Written Premium (EUR Billion), 2012–2017
Figure 79: Portuguese Group Life Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 80: Portuguese Group Life Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 81: Portuguese Group Life Insurance – Written Premium (EUR Billion), 2008–2012
Figure 82: Portuguese Group Life Insurance – Written Premium (EUR Billion), 2012–2017
Figure 83: Portuguese Group Superannuation Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 84: Portuguese Group Superannuation Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 85: Portuguese Group Superannuation Insurance – Written Premium (EUR Million), 2008–2012
Figure 86: Portuguese Group Superannuation Insurance – Written Premium (EUR Million), 2012–2017
Figure 87: Portuguese Group Unit-Linked Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 88: Portuguese Group Unit-Linked Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 89: Portuguese Group Unit-Linked Insurance – Written Premium (EUR Million), 2008–2012
Figure 90: Portuguese Group Unit-Linked Insurance – Written Premium (EUR Million), 2012–2017
Figure 91: Portuguese Individual Single-Premium Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 92: Portuguese Individual Single-Premium Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 93: Portuguese Individual Single-Premium Insurance – Written Premium (EUR Billion), 2008–2012
Figure 94: Portuguese Individual Single-Premium Insurance – Written Premium (EUR Billion), 2012–2017
Figure 95: Portuguese Individual Non-Single-Premium Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 96: Portuguese Individual Non-Single-Premium Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 97: Portuguese Individual Non-Single-Premium Insurance – Written Premium (EUR Million), 2008–2012
Figure 98: Portuguese Individual Non-Single-Premium Insurance – Written Premium (EUR Million), 2012–2017
Figure 99: Portuguese Group Single-Premium Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 100: Portuguese Group Single-Premium Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 101: Portuguese Group Single-Premium Insurance – Written Premium (EUR Billion), 2008–2012
Figure 102: Portuguese Group Single-Premium Insurance – Written Premium (EUR Billion), 2012–2017
Figure 103: Portuguese Group Non-Single-Premium Insurance – Number of Active Policies (Thousand), 2008–2012
Figure 104: Portuguese Group Non-Single-Premium Insurance – Number of Active Policies (Thousand), 2012–2017
Figure 105: Portuguese Group Non-Single-Premium Insurance – Written Premium (EUR Billion), 2008–2012
Figure 106: Portuguese Group Non-Single-Premium Insurance – Written Premium (EUR Billion), 2012–2017
Figure 107: Portuguese Life Insurance – New Business Written Premium by Distribution Channel (% Share), 2012 and 2017
Figure 108: Portuguese Life Insurance – Direct Marketing Commission Paid (EUR Million), 2008–2012
Figure 109: Portuguese Life Insurance – Direct Marketing Commission Paid (EUR Million), 2012–2017

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