Insurance Market Analysis
Industry analysis
Performance of relevant product lines
8000
Life-group
+
6000
4000
2000
Millions!
0
70%
2000
PA-group
60%
1600
50%
1200
40%
30%
800
* * *
20%
400
10%
Millions
0%
0
70% 2500
70%
Credit life
60%
60%
2000
50%
50%
1500
40%
40%
30%
30%
1000
20%
20%
500
10%
Millions
10%
0%
0
0%
2001 2002 2003 2004 2005 2006 2007 2008
2001 2002 2003 2004 2005 2006 2007 2008
2001 2002 2003 2004 2005 2006 2007 2008
2000
Extended warantees
1600
70%
2000
70%
Multi peril
60%
60%
1600
50%
50%
1200
1200
40%
40%
30%
30%
800
800
20%
20%
Millions
400
400
10%
0
0%
Millions
10%
0
0%
2001 2002 2003 2004 2005 2006 2007 2008
2001 2002 2003 2004 2005 2006 2007 2008
• Claims ratio
Selling expenses
Direct premium
Increasing client coverage, decreasing value to consumer
Strong premium growth in all these categories
Claims ratios dropping and/or very low
Sales expenses increasing and very high on credit life and extended warranties (bundled products)View entire presentation