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英国の生命保険市場:主な傾向と市場機会

Life Insurance in the UK, Key Trends and Opportunities to 2020

発行 Timetric 商品コード 308597
出版日 ページ情報 英文 153 Pages
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英国の生命保険市場:主な傾向と市場機会 Life Insurance in the UK, Key Trends and Opportunities to 2020
出版日: 2017年05月31日 ページ情報: 英文 153 Pages
概要

分析期間中(2009〜2013年)の英国の生命保険市場の年平均成長率(CAGR)は0.4%に留まりました。成長率低迷の主な要因として、世界金融危機や欧州債務危機に伴い、2008〜2011年に市場がマイナス成長を遂げたことが挙げられます。ただし、政府の様々な活動や規制改革により、2011〜2013年のCAGRは4.0%にまで上昇しました。セグメント別の動向を見てみると、団体生命保険がプラス成長を遂げる一方、消費者の投資マインド低迷や、政府の規制強化、年金支給額の変動などにより個人生命保険市場は低迷しています。

当レポートでは、英国における生命保険産業の最新動向と将来展望について分析し、各部門の市場規模(過去・今後5年間分)、流通経路別の市場規模、産業の競争力、再保険市場、主要企業の概要(主要データ、主要商品、競合企業、経営陣など)といった情報を盛り込んで、概略以下の構成でお届けします。

第1章 エグゼクティブ・サマリー

第2章 イントロダクション

  • 当レポートの概要
  • 定義
  • 分析手法

第3章 域内市場の動き

  • 概要
  • 市場動向
  • 市場規模

第4章 生命保険市場:域内諸国との比較

  • 市場規模と普及率
    • 総計上収入保険料総額
    • 1人当たり保険料
    • 生命保険の普及率(対GDP比率)
  • 成長率
    • 総計上収入保険料
    • 1人当たり総計上収入保険料
  • 効率性とリスク
    • 損失率
    • 合算率
    • 1人当たり既発生損失
    • 既発生損失の対GDP比率
  • 流通チャネル
    • 直接販売
    • バンカシュアランス
    • 代理店販売

第5章 英国の保険産業の誘因性

  • 保険産業の市場規模(通算10年間分)
  • 産業の主な傾向と促進要因
  • 課題
  • 近年の市場の動き

第6章 生命保険産業の見通し

  • 商品・マーケティング戦略
  • カテゴリー別の成長見通し
  • 個人生命保険
    • 個人終身保険
    • 個人一般年金保険
    • 個人退職年金保険
  • 団体生命保険
    • 団体終身保険
    • 団体老齢退職年金保険
  • 顧客分類別の成長見通し
    • 個人向け一時払終身保険
    • 個人向け商品(一時払終身保険以外)
    • 団体向け一時払終身保険
    • 団体向け商品(一時払終身保険以外)
  • 保険商品別の成長見通し
    • リンク型(変動型)保険
    • 非リンク型(非変動型)保険

第7章 流通経路別の分析

  • 直接販売
  • バンカシュアランス
  • 代理店
  • 電子商取引(eコマース)
  • ブローカー

第8章 ポーターのファイブフォース分析:英国の生命保険産業

  • サプライヤーの交渉力:低〜中
  • バイヤーの購買力:中〜高
  • 参入障壁:中
  • 同業者との競合:中
  • 代替製品の脅威:中

第9章 再保険市場の成長のダイナミクスと課題

  • 再保険市場の規模
  • 再保険市場の規模:保険の種類別

第10章 ガバナンス・リスク・コンプライアンス

  • 関連法規の概要とこれまでの推移
  • 関連法規と市場の慣行:保険の種類別
  • 強制保険
  • 監督・管理体制
  • 未認可保険の規制の傾向
  • 企業の登記と経営
  • 課税
  • 法制度

第11章 競争環境と戦略的考察

  • 概要
  • 英国の生命保険産業の主要企業
  • 大手保険業者5社の比較分析:総計上収入保険料
  • Standard Life Plc
  • Aviva Life Plc
  • Prudential Plc
  • Lloyds Banking Group Plc
  • Legal & General Group Plc
  • Friends Life Group Plc
  • Aegon NV
  • Zurich Insurance Co. (UK) Ltd
  • Old Mutual Plc
  • Royal London Mutual Insurance Society Ltd

第12章 ビジネス環境とカントリーリスク

  • 景況感
  • 経済実績
  • インフラストラクチャー
  • 労働力
  • 人口構成

第13章 付録

図表一覧

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目次
Product Code: IS1479MR

Timetric's 'Life Insurance in the UK, Key Trends and Opportunities to 2020' report provides a detailed outlook by product category for the UK life insurance segment, and a comparison of the UK insurance industry with its regional counterparts.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, total assets, total investment income and retentions during the review period (2011-2015) and forecast period (2015-2020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the UK economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric's research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary

Timetric's 'Life Insurance in the UK, Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the UK life insurance segment, including:

  • An overview of the UK life insurance segment
  • The UK life insurance segment's growth prospects by category
  • A comprehensive overview of the UK economy and demographics
  • A comparison of the UK life insurance segment with its regional counterparts
  • The various distribution channels in the UK life insurance segment
  • Details of the competitive landscape in the life insurance segment in the UK
  • Details of regulatory policy applicable to the UK insurance industry

Scope

This report provides a comprehensive analysis of the life insurance segment in the UK:

  • It provides historical values for the UK life insurance segment for the report's 2011-2015 review period, and projected figures for the 2015-2020 forecast period.
  • It offers a detailed analysis of the key categories in the UK life insurance segment, and market forecasts to 2020.
  • It provides a comparison of the UK life insurance segment with its regional counterparts
  • It analyzes the various distribution channels for life insurance products in the UK.
  • It profiles the top life insurance companies in the UK and outlines the key regulations affecting them.

Reasons To Buy

  • Make strategic business decisions using in-depth historic and forecast market data related to the UK life insurance segment, and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the UK life insurance segment.
  • Assess the competitive dynamics in the life insurance segment.
  • Identify growth opportunities and market dynamics in key product categories.
  • Gain insights into key regulations governing the UK insurance industry, and their impact on companies and the industry's future.

Table of Contents

1 Key Facts and Highlights

2 Executive Summary

3 Economy and Demographics

4 Segment Outlook

  • 4.1 Segment Indicators
    • 4.1.1 Gross written premium and penetration
    • 4.1.2 Claims
    • 4.1.3 Investments

5 Outlook by Sub-Segment

  • 5.1 Individual Life Insurance
    • 5.1.1 Premium
    • 5.1.2 Penetration
  • 5.2 Group Life Insurance
    • 5.2.1 Premium
    • 5.2.2 Penetration

6 Distribution Channel Outlook

7 Competitive Landscape

  • 7.1 Company Profiles
    • 7.1.1 Aviva Plc - company overview
    • 7.1.2 Standard Life Plc - company overview
    • 7.1.3 Prudential Plc - company overview
    • 7.1.4 FIL Life Insurance Ltd - company overview
    • 7.1.5 Legal & General Group Plc - company overview

8 Governance, Risk and Compliance

  • 8.1 Legislation Overview and Historical Evolution
  • 8.2 Latest Changes in Regulation
  • 8.3 Legislation and Market Practice by Type of Insurance
    • 8.3.1 Life insurance
    • 8.3.2 Property insurance
    • 8.3.3 Motor insurance
    • 8.3.4 Liability insurance
    • 8.3.5 Marine, aviation and transit insurance
    • 8.3.6 Personal accident and health insurance
  • 8.4 Compulsory Insurance
    • 8.4.1 Employer's liability insurance
    • 8.4.2 Motor third-party liability insurance
    • 8.4.3 Merchant shipping compulsory insurance
    • 8.4.4 National Insurance Scheme
    • 8.4.5 Professional indemnity insurance
    • 8.4.6 Air carriers and aircraft operators insurance
    • 8.4.7 Clinical trials liability insurance
    • 8.4.8 Liability for ships with respect to oil pollution
  • 8.5 Supervision and Control
    • 8.5.1 International Association of Insurance Supervisors
    • 8.5.2 European Insurance and Occupational Pensions Authority
    • 8.5.3 Prudential Regulation Authority
    • 8.5.4 Financial Conduct Authority
  • 8.6 Non-Admitted Insurance Regulations
    • 8.6.1 Overview
    • 8.6.2 Intermediaries
    • 8.6.3 Market practices
    • 8.6.4 Fines and Penalties
  • 8.7 Company Registration and Operations
    • 8.7.1 Type of insurance organization
    • 8.7.2 Establishing a local company
    • 8.7.3 Foreign ownership
    • 8.7.4 Types of license
    • 8.7.5 Capital requirements
    • 8.7.6 Solvency margin
    • 8.7.7 Reserve requirements
    • 8.7.8 Investment regulations
    • 8.7.9 Statutory return requirements
    • 8.7.10 Fee structure
  • 8.8 Taxation
    • 8.8.1 Insurance premium or policy taxation
    • 8.8.2 Withholding taxes on premium paid overseas
    • 8.8.3 Corporate tax
    • 8.8.4 VAT
    • 8.8.5 Captives
  • 8.9 Legal System
    • 8.9.1 Introduction
    • 8.9.2 Access to court
    • 8.9.3 Alternative dispute resolution

9 Databook

  • 9.1 Policies and Premium
  • 9.2 Claims and Expenses
  • 9.3 Assets and Investments
  • 9.4 Individual Life Insurance
  • 9.5 Individual Life Insurance by Product
  • 9.6 Group Life Insurance
  • 9.7 Group Life Insurance by Product
  • 9.8 Individual Life - Single vs. Non-Single Premium
  • 9.9 Group Life - Single vs. Non-Single Premium

10 Definitions and Methodology

  • 10.1 Definitions
  • 10.2 Methodology

11 About Timetric

  • 11.1 Contact Timetric
  • 11.2 About Timetric
  • 11.3 Timetric's Services
  • 11.4 Disclaimer

List of Tables

  • Table 1: UK Life Insurance - Key Facts, 2015
  • Table 2: UK Life Insurance - Top Five Life Insurers, 2015
  • Table 3: UK Government Credit Ratings
  • Table 4: UK Life Insurance - Gross Written Premium (GBP Billion and US$ Billion), 2011-2015
  • Table 5: UK Life Insurance - Penetration (%), 2011-2015
  • Table 6: UK Life Insurance - Gross Written Premium (GBP Billion and US$ Billion), 2015-2020
  • Table 7: UK Life Insurance - Penetration (%), 2015-2020
  • Table 8: UK Life Insurance - New Business Direct Written Premium (GBP Billion and US$ Billion), 2011-2015
  • Table 9: UK Life Insurance - New Business Direct Written Premium (GBP Billion and US$ Billion), 2015-2020
  • Table 10: UK Life Insurance - Premium per Capita (GBP and US$), 2011-2015
  • Table 11: UK Life Insurance - Premium per Capita (GBP and US$), 2015-2020
  • Table 12: UK Life Insurance - Paid Claims (GBP Billion and US$ Billion), 2011-2015
  • Table 13: UK Life Insurance - Paid Claims (GBP Billion and US$ Billion), 2015-2020
  • Table 14: UK Life Insurance - Total Investment Income (GBP Billion and US$ Billion), 2011-2015
  • Table 15: UK Life Insurance - Total Investment Income (GBP Billion and US$ Billion), 2015-2020
  • Table 16: UK Life Insurance - Investment Portfolio (GBP Billion), 2011-2015
  • Table 17: UK Life Insurance - Investment Portfolio (GBP Billion), 2015-2020
  • Table 18: UK Life Insurance - Gross Written Premium by Sub-Segment (GBP Billion),2011-2015
  • Table 19: UK Life Insurance - Gross Written Premium by Sub-Segment (GBP Billion), 2015-2020
  • Table 20: UK Individual Life Insurance - Gross Written Premium by Category (GBP Billion), 2011-2015
  • Table 21: UK Individual Life Insurance - Gross Written Premium by Category (GBP Billion), 2015-2020
  • Table 22: UK Group Life Insurance - Gross Written Premium by Category (GBP Billion), 2011-2015
  • Table 23: UK Group Life Insurance - Gross Written Premium by Category (GBP Billion), 2015-2020
  • Table 24: UK Life Segment - Product and Market Share (%) of Top Insurers , 2015
  • Table 25: UK Life Segment - Top Insurers , 2015
  • Table 26: Aviva Plc - Key Facts
  • Table 27: Standard Life Plc - Key Facts
  • Table 28: Prudential Plc - Key Facts
  • Table 29: FIL Life Insurance Ltd - Key Facts
  • Table 30: Legal & General Group Plc - Key Facts
  • Table 31: UK - Insurance Regulatory Framework Key Features
  • Table 32: UK - Life Insurance Regulatory Framework
  • Table 33: UK - Property Insurance Regulatory Framework
  • Table 34: UK- Motor Insurance Regulatory Framework
  • Table 35: UK - Liability Insurance Regulatory Framework
  • Table 36: UK - Benefits Under National Insurance Scheme
  • Table 37: UK - Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
  • Table 38: UK - Corporate Tax Rates for the Financial Year 2017
  • Table 39: UK- VAT Rates in UK for Insurance Products
  • Table 40: UK Life Insurance - Policies and Premium, 2011-2015
  • Table 41: UK Life Insurance - Policies and Premium, 2015-2020
  • Table 42: UK Life Insurance - Claims and Expenses, 2011-2015
  • Table 43: UK Life Insurance - Claims and Expenses, 2015-2020
  • Table 44: UK Life Insurance - Assets and Investments, 2011-2015
  • Table 45: UK Life Insurance - Assets and Investments, 2015-2020
  • Table 46: UK Life Insurance - Individual Life Insurance, 2011-2015
  • Table 47: UK Life Insurance - Individual Life Insurance, 2015-2020
  • Table 48: UK Life Insurance - Individual Life Insurance by Product, 2011-2015
  • Table 49: UK Life Insurance - Individual Life Insurance by Product, 2015-2020
  • Table 50: UK Life Insurance - Group Life Insurance, 2011-2015
  • Table 51: UK Life Insurance - Group Life Insurance, 2015-2020
  • Table 52: UK Life Insurance - Group Life Insurance by Product, 2011-2015
  • Table 53: UK Life Insurance - Group Life Insurance by Product, 2015-2020
  • Table 54: UK Life Insurance - Individual Life Insurance by Premium, 2011-2015
  • Table 55: UK Life Insurance - Individual Life Insurance by Premium, 2015-2020
  • Table 56: UK Life Insurance - Group Life Insurance by Premium, 2011-2015
  • Table 57: UK Life Insurance - Group Life Insurance by Premium, 2015-2020
  • Table 58: Insurance Industry Definitions

List of Figures

  • Figure 1: UK Real GDP (GBP Trillion), 2011-2020
  • Figure 2: UK Consumer Price Inflation (%), 2011-2020
  • Figure 3: UK Current Account Balance as Percentage of GDP (%), 2011-2015
  • Figure 4: UK Unemployment Rate, 2011-2020
  • Figure 5: UK Population by Age Group, 2011-2025
  • Figure 6: UK Life Insurance - Gross Written Premium (GBP Billion), 2011-2020
  • Figure 7: UK Life Insurance - Penetration (%), 2011-2020
  • Figure 8: UK Life Insurance - New Business Direct Written Premium (GBP Billion), 2011-2020
  • Figure 9: UK Life Insurance - Premium per Capita (GBP), 2011-2020
  • Figure 10: UK Life Insurance - Paid Claims (GBP Billion), 2011-2020
  • Figure 11: UK Life Insurance - Total Investment Income (GBP Billion), 2011-2020
  • Figure 12: UK Life Insurance - Investment Portfolio (GBP Billion), 2011-2020
  • Figure 13: UK Life Insurance - Investment Portfolio Dynamics by Category, 2011-2020
  • Figure 14: UK Life Insurance - Gross Written Premium by Sub-Segment (GBP Billion), 2011-2020
  • Figure 15: UK Life Insurance - Gross Written Premium Share by Sub-Segment, 2011-2020
  • Figure 16: UK Life Insurance - Gross Written Premium Dynamics by Sub-Segment, 2011-2020
  • Figure 17: UK Individual Life Insurance - Gross Written Premium by Category (GBP Billion), 2011-2020
  • Figure 18: UK Individual Life Insurance - Gross Written Premium Share by Category, 2011-2020
  • Figure 19: UK Individual Life Insurance - Gross Written Premium Dynamics by Category, 2011-2020
  • Figure 20: UK Individual Life Insurance - Penetration (%), 2011-2015
  • Figure 21: UK Individual Life Insurance - Penetration (%), 2015-2020
  • Figure 22: UK Group Life Insurance - Gross Written Premium by Category (GBP Billion), 2011-2020
  • Figure 23: UK Group Life Insurance - Gross Written Premium Share by Category (GBP Billion), 2011-2020
  • Figure 24: UK Group Life Insurance - Gross Written Premium Dynamics by Category (GBP Billion), 2011-2020
  • Figure 25: UK Group Life Insurance - Penetration (%), 2011-2015
  • Figure 26: UK Group Life Insurance - Penetration (%), 2015-2020
  • Figure 27: UK - The Three Pillars of Solvency II
  • Figure 28: UK - Insurance Supervision and Control at Various Levels
  • Figure 29: UK - Insurance Regulatory Frameworks for Company Registration and Operation
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