Table of Contents
0.0 EXECUTIVE SUMMARY
- Combined, accident and health insurance premiums were worth €87.9
billion in 2005...
- ... with a significant proportion of banks active in promoting both
individual and group policies
- In most territories, bancassurers appear to be growing their share for
this branch of insurance
- German banks continue to display an overwhelming preference for tied
agency distribution
- Use of brokerage models is fairly common in Austria, the Netherlands and
Spain...
- ... with captive insurers to the fore in Belgium, France, the Netherlands
and Portugal
- Austria: a significant proportion of banks display a preference for
broker-oriented solutions
- Belgium: bank-owned insurers make important advances in both accident and
health insurance
- France: bancassurers account for more than three quarters of sales of GAV
policies
- Germany: the ossified nature of distribution partnerships may be stifling
innovation
- Italy: bancassurers must seek to grow the under-developed accident and
health insurance market
- Netherlands: for group schemes, several of the major banking networks
distribute third party policies
- Nordic region: many banks market policies targeted specifically at
children and students
- Portugal: bank-owned insurers account for more than 60% of total non-life
insurance premiums
- Spain: BBVA and Sanitas set ambitious targets for their new health
insurance partnership
- UK / Ireland: HSBC and CIGNA combine to sell health insurance to small and
medium-sized firms
- Bancassurers will play a growing role in intermediation of accident and
health insurance in Europe...
- ... although their participation in this field must be characterised both
by simplicity and innovation
- Opportunities can be expected to arise for both insurance underwriters and
assistance providers
1.0 INTRODUCTION
- Finaccord
- Creditor insurance
- Mobile telephone insurance
- Travel insurance
- PartnerBASE™
- Rationale
- The advance of banks in life insurance and retirement savings is amply
documented...
- ... although this report offers the first in-depth review of activity in
accident and health insurance
- Methodology
- The research is based on a sample of 670 banks serving retail customers...
- ... and a second survey of 370 banks serving business customers to cover
group schemes
- Definitions
2.0 EUROPEAN OVERVIEW
- Introduction
- Market size and segmentation
- Gross premiums written advance at an annual average rate of 7.4% between
2001 and 2005
- The launch of GAV policies establishes France as Europe' s largest accident
insurance market
- Germany accounts for almost 50% of health insurance premiums across the
territories considered
- Penetration rates
- Individual accident insurance
- Banks in the UK and Ireland focus on loan-related policies rather than
' general purpose' policies
- Individual health insurance
- Over 40% of retail banks in Europe promote health insurance to their
customers
- Group accident insurance
- Business banks in Austria and Germany are most likely to market group
accident policies...
- Group health insurance
- ... with their counterparts in Spain displaying a growing interest in
selling group health schemes
- Operating models
- Individual accident and health insurance
- The use of captive insurers is most prevalent in Belgium, France, the
Netherlands and Portugal
- Group accident and health insurance
- Broker models play virtually no part in bank-oriented distribution in
Germany or the Nordic region
3.0 AUSTRIA
- Introduction to the banking sector
- The Austrian retail banking market remains comparatively fragmented
- Bank Austria Creditanstalt serves 1.8 million customers in its domestic
market
- The Austrian Federation of Trade Unions assumed 100% ownership of BAWAG
PSK in 2004
- Like its rivals, Erste Bank has ambitious growth plans in Central and
Eastern Europe
- RZB ultimately supports 571 autonomous local credit co-operatives
- Many other banks operate at a local or regional level within Austria...
- ... including several institutions whose primary focus lies on retail
lending
- Market overview
- Gross premiums written for accident and health insurance breach the
€2 billion mark in 2005
- Bancassurance
- Taken at face value, Austrian banks appear to have had limited success in
non-life insurance...
- ... although much of their business is intermediated by internal and
external brokers
- Survey results
- Accident insurance - individual policies
- In spite of its name, Raiffeisen Versicherung is actually controlled by
Uniqa
- Several banks possess their own internal brokerage
- BAWAG Versicherung is the captive provider to banks within the BAWAG
grouping
- Health insurance - individual policies
- VMG Erste Bank Versicherungsmakler is an internal brokerage serving some
savings banks...
- ... while Raiffeisen Versicherungsmakler is often used by the
raiffeisenbanken
- Accident insurance - group policies
- A majority of business banks source group accident insurance through a
broker model...
- ... although Sparkassen Versicherung is the captive supplier to the
Austrian savings banks
- Health insurance - group policies
- Only Volkskreditbank maintains links with a single underwriter for group
health insurance schemes
- Competitor analysis
- Both Raiffeisen Versicherung and Porsche Versicherung achieve strong
premium growth...
- Raiffeisen Versicherung and Sparkassen Versicherung advance strongly in
accident insurance
4.0 BELGIUM
- Introduction to the banking sector
- In spite of substantial restructuring, Belgium' s banking market remains
crowded
- Dexia, Fortis, ING and KBC lead the way...
- ... although numerous medium-sized and small banking ventures challenge
their dominance
- Market overview
- Health insurance grows at an annual average three times higher than
accident insurance
- Bancassurance
- Bank branches gain ground across most forms of non-life insurance in
Belgium...
- ... and the share of bank-owned insurers in both accident and health
insurance is substantial
- Survey results
- Accident insurance - individual policies
- Less than a third of retail banks in Belgium offer accident insurance to
individual customers
- Delta Lloyd Bank has linked with Assurax, an on-line broker, for a variety
of insurance products
- Health insurance - individual policies
- DKV maintain exclusive links for individual health insurance with both
BKCP and Europa Bank
- Accident and health insurance - group policies
- Three of the four main business banks in Belgium offer group accident and
health insurance
- Competitor analysis
- Belgium' s bank-owned insurance companies continue to make progress in
non-life insurance
5.0 FRANCE
- Introduction to the banking sector
- Mutual and co-operative banks continue to play a substantial role in
French retail banking...
- ... albeit merger and acquisition activity have changed the landscape in
recent years
- Most foreign entrants fail to make significant headway in the problematic
French market
- ... with Abbey, Egg and San Paolo IMI having all withdrawn completely
- Specialised lenders also play an important role in French retail banking...
- ... as do financial services firms belonging to some of the country' s
largest retailing groups
- The Crédit Municipal institutions: specialising in low value loans
charging low interest rates
- La Poste is playing an increasingly important part in the French retail
financial services scene
- Market overview
- Gross premiums written for health insurance overtake those for accident
insurance in 2005
- The GAV policy: another bancassurance success story for France?
- The GAV policy was formulated to cover the annual average of eight million
domestic accidents
- ... and extends to injuries incurred as a result of sporting or leisure
activities
- The French insurance industry acted collectively to develop the market for
GAV policies...
- ... although there is potential for insurers to customise their own
products in a variety of ways
- The GAV market has developed rapidly since its inception at the end of
2000...
- ... and is particularly suited to sale through the face-to-face channel
offered by bancassurers
- Bancassurance
- French banks have achieved only modest growth in non-life insurance in
more recent years
- Survey results
- Accident insurance - individual policies
- Individual accident insurance is commonly offered through the
bancassurance channel...
- .... with four of the major banking groups underwriting accident policies
through captive firms
- AIG' s bancassurance deals for personal accident policies are with Banque
Accord and Diners Club
- Health insurance - individual policies
- Several major banks have thus far eschewed developed of individual health
insurance policies
- Accident and health insurance - group policies
- French banks have virtually no involvement whatsoever in the distribution
of group schemes
- Competitor analysis
- Almost all bank-owned insurers in France are expanding their share of
non-life insurance...
- ... with Crédit Agricole' s Pacifica leading the way in accident and
health insurance
6.0 GERMANY
- Introduction to the banking sector
- Commercial banks struggle in the face of savings bank and credit
co-operative competition
- Germany' s savings banks: continuing adherence to public sector insurers
remains the norm
- R&V is able to meet virtually all the insurance needs of credit
co-operative customers
- Foreign entrants show that reasonable returns can be generated from German
retail banking
- Germany' s crowded banking sector provides other feasible bancassurance
opportunities
- Market overview
- Gross premiums written for health insurance in Germany reach €27.14
billion in 2005...
- ... with between 80% and 90% of the accident insurance market attributable
to consumers
- Bancassurance
- The distribution share of banks in total non-life insurance is unlikely to
exceed 10%
- Survey results
- Accident insurance - individual policies
- Personal accident insurance is widely offered to consumers by banks in
Germany
- Dortmunder Volksbank is a rarity among co-operatives by linking with a
private sector insurer
- Neue Leben is a joint venture involving Talanx and several savings banks
- Talanx is also the co-owner of underwriters used by both Citibank and
Postbank
- Health insurance - individual policies
- Over 60% of retail banks in Germany are active in the provision of
individual health insurance...
- ... with Union Krankenversicherung dominating distribution through public
sector savings banks
- ... and with DKV having begun distributing through Postbank
Vermögensberatung in March 2005
- Accident insurance - group policies
- The vast majority of banks serving business customers also offer group
accident insurance...
- ... with some variations visible in the underwriters used relative to
individual accident policies
- Health insurance - group policies
- German banks also prefer an exclusive link with a single underwriter for
group health schemes
- Competitor analysis
- R&V Versicherung outgrows its public sector rivals by a considerable margin
- Direct Line expands its business although the pace of change in Germany is
slow
- Only R&V Versicherung and CIV Versicherung make significant progress in
accident insurance...
- ... although all bank-oriented providers of health insurance gain market
share in health insurance
7.0 ITALY
- Introduction to the banking sector
- Consolidation and rationalisation change the face of retail banking in
Italy...
- ... with a fast-growing second tier of banks ready to challenge the big
six groups
- Acquisitions by ABN AMRO and BNP Paribas open the way to further foreign
entrants...
- ... although some have gained exposure already through joint ventures in
consumer finance
- Smaller specialised lenders service the market for cessione del quinto
loans
- Market overview
- Gross premiums written for accident and health insurance advance at an
annual average of 5.0%
- ... with around two thirds of the market attributable to individual as
opposed to group policies
- Bancassurance
- Italy' s non-life bancassurance channel shows stronger signs of development
in 2005...
- ... although its aggregate distribution share falls short of 3% for both
accident and health policies
- Banks in Italy are likely to grow their distribution share of both
accident and health insurance
- Survey results
- Accident insurance - individual policies
- Individual accident is often sold in conjunction with lending products,
such as mortgages
- Arca Assicurazioni, Cattolica Assicurazioni and RAS lay claim to several
partnerships in this field...
- ... while Union Vita, an underwriter belonging to AIG, has linked with
Bancoposta and Fiditalia
- Banca Carige, BPU Banca, Monte dei Paschi di Siena and San Paolo IMI each
utilise captives
- ... and several smaller banks maintain a panel of insurers for personal
accident insurance
- Health insurance - individual policies
- Bank distribution of individual health insurance is similar to that for
personal accident insurance
- Accident insurance - group policies
- Fewer than 50% of banks serving business customers in Italy offer group
accident insurance...
- ... albeit many that are active in this domain have opted for brokerage
distribution systems
- Health insurance - group policies
- Bank participation in marketing group health schemes is less than for
group accident insurance
- Competitor analysis
- Banca Carige possesses the largest bank-owned non-life bancassurer in
Italy...
- ... although smaller underwriters operating in this field are achieving
more rapid growth
- Bank-owned underwriters make steady progress in Italy' s accident insurance
market...
- ... and their development in health insurance shows real promise
- Monte dei Paschi di Siena: using accident and health insurance to enhance
customer loyalty
8.0 NETHERLANDS
- Introduction to the banking sector
- Three financial services giants dominate retail banking in the
Netherlands...
- ... albeit a number of smaller institutions fulfil specialist roles in the
Dutch market
- Market overview
- Average annual growth in gross premiums written exceeds 10% over the
2001-5 period
- Bancassurance
- Bank branches distribute around 11.0% of all non-life insurance policies
in the Netherlands
- Survey results
- Accident insurance - individual policies
- Few banks offer accident insurance that is not linked explicitly to retail
lending products...
- Health insurance - individual policies
- ... and individual health insurance is even less likely to be viewed a
viable bancassurance concept
- Rabobank: increasingly realising sales of accident and health insurance
through remote channels
- Accident and health insurance - group policies
- Both ING Bank and Rabobank sometimes source policies from external
underwriters
- Competitor analysis
- Combined banking and insurance groups account for over 25% of total
non-life premiums...
- ... with Interpolis recording particularly strong growth in accident and
health insurance
9.0 NORDIC REGION
- Introduction to the banking sector
- Four pan-Scandinavian banking institutions battle against mainly smaller
national competitors
- Danske Bank: the bank lays claim to 465 branches across its five main
countries of operation
- Handelsbanken: expansion in the Nordic region achieved through organic
growth and acquisitions
- Nordea: a leading financial services group in the Nordic and Baltic regions
- SEB: strategic acquisitions fuel expansion across Northern Europe
- Denmark: GE Money Bank and a series of smaller banks provide the
competition
- Norway: Den norske Bank has shielded itself from takeover by merging with
Gjensidige
- Sweden: FöreningsSparbanken lays claim to 4.1 million retail banking
clients in Sweden...
- ... although the incumbents are being challenged by both retailer banks
and foreign entrants
- Market overview
- Gross premiums written for accident and health insurance breach the
€2 billion mark in 2005
- Bancassurance
- Bank sales of accident and health inurance are greater than other forms of
non-life insurance
- Survey results
- Accident insurance - individual policies
- Two thirds of the Nordic region' s retail banks promote individual accident
insurance
- Cardif Pinnacle has engineered a strong position for itself among Sweden' s
savings banks...
- ... although a clutch of other underwriters lay claim to one exclusive
bank partnership each
- Policies designed specifically for children and / or students are commonly
marketed by banks
- Health insurance - individual policies
- Individual health insurance registers a similar rate of provision in the
bank distribution channel
- Accident insurance - group policies
- Nordic banks offering group accident insurance generally do so through a
single, external partner
- Health insurance - group policies
- Fewer than half of business banks survey are active in the marketing of
group health policies
- Competitor analysis
- Topdanmark' s Danske Forsikring cedes market share of total non-life
insurance in Denmark
- Terra Skadeforsikring comfortably outpaces Sparebank 1 Skadeforsikring,
its larger rival
10.0 PORTUGAL
- Introduction to the banking sector
- Foreign entrants exert a strong influence of the development of the
banking market...
- ... with many specialised lending firms belonging to overseas parents
- Market overview
- Gross premiums written for accident and health insurance reach €1.31
billion in 2005
- Bancassurance
- Portuguese bancassurance benefits from bank ownership of several of the
largest insurers
- Survey results
- Accident insurance - individual policies
- Ten of the larger retail banking networks are active in individual
accident insurance
- Captive entities have some involvement in half of the examples identified
- Health insurance - individual policies
- Deutsche Bank and Millennium BCP utilise alternative providers for
individual health insurance
- Accident insurance - group policies
- Captive underwriters are also used by a number of banks for group accident
insurance
- Health insurance - group policies
- AXA Seguros collaborates with the Portuguese arms of both Barclays Bank
and BBVA
- Competitor analysis
- Bank-owned underwriters in Portugal secure more than 60% of total non-life
premiums written
11.0 SPAIN
- Introduction to the banking sector
- The main wave of consolidation in Spanish retail banking has now taken
place
- Many of Spain' s savings banks are characterised by an independent,
entrepreneurial spirit
- Caser occupies a unique position in the Spanish bancassurance market
- New entrants may provide fresh bancassurance opportunities
- Specialised lenders and auto captives complete the list of potential
non-life insurance partners
- Market overview
- Gross premiums written for accident and health insurance in Spain exceed
€5 billion in 2005
- Bancassurance
- Banking institutions in Spain have made some progress in non-life
bancassurance...
- ... and their share of policies distributed may be higher than indicated
by the official figures
- Accident insurance - individual policies
- Over half of Spain' s banks have developed stand-alone accident insurance
policies for consumers
- Four retail banking networks collaborate with Mapfre Seguros Generales in
this context
- Nine banking institutions underwrite individual accident insurance through
captive entities
- Health insurance - individual policies
- The partnerships and operating models use frequently differ for individual
health insurance...
- ... as specialists such as Adeslas, DKV Seguros and Sanitas are also
active in bancassurance
- BBVA / Sanitas: the new partnership aims to sign up 100,000 customers in
the first three years
- Accident insurance - group policies
- Over 70% of Spanish banks serving business customers offer group accident
insurance...
- ... with utilisation of internal brokerage units and multiple partners
strongly in evidence
- Health insurance - group policies
- Business banks in Spain are enthusiastic distributors of group health
insurance schemes...
- ... with specialist underwriters mounting a challenge to multi-line
insurers in the bank channel
- Competitor analysis
- The majority of non-life bancassurers in Spain are now making significant
advances...
- ... including Santander Seguros, which almost quadrupled its market share
from 2001 to 2005
12.0 UNITED KINGDOM / IRELAND
- Introduction to the banking sector
- Structural changes to the UK retail banking landscape have reached a hiatus
- New entrants have experienced mixed fortunes
- At the highest level, the market segments into banks, building societies
and specialised lenders
- Banks demonstrate little homogeneity in their approach towards
establishing partnerships
- Building societies gain market share of retail financial services at the
expense of banks
- Specialised lenders are a diverse category...
- ... with many belonging ultimately to larger and better-known financial
institutions
- In Ireland, the traditional duopoly of AIB and Bank of Ireland has been
challenged by new entrants
- Market overview
- Accident and health insurance gross premiums written surge at an annual
average of 11.6%
- Bancassurance
- Bank-owned distribution is boosted by the captive operations of HBOS and
RBoS...
- ... however, a smaller percentage of customers perceive that they are
buying from their bank
- In general, Irish banks display less enthusiasm for non-life bancassurance
than those in the UK
- Survey results
- Accident insurance - individual policies
- Few banks offer ' general purpose' accident insurance that is not
intrinsically linked to a loan...
- ... albeit a handful of significant distribution partnerships exist in
this field
- Stonebridge International Insurance: aiming to help partners to grow their
share of clients' wallets
- The firm aims to occupy a prominent position in partners' hierarchy of
complementary products
- Health insurance - individual policies
- Banks in the UK and Ireland are also cautious with regards to offering
individual health policies...
- ... albeit the Skipton B.S. possesses its own independent health insurance
intermediary...
- ... and AIB took a 30% stake in Vivas Health in 2004, thereby entering the
health insurance sector
- Accident insurance - group policies
- Where offered, group policies are merely an extension of commercial lines
bancassurance...
- Health insurance - group policies
- ... a finding that applies to most group health schemes as well as group
accident policies
- However, CIGNA has concluded an important link with HSBC to target small
businesses...
- ... making use of its experience of similar bancassurance initiatives
elsewhere in the world...
- ... and opening up opportunities for new product development
- Competitor analysis
- The non-life business of Royal Bank of Scotland saw market share fall in
2004 and 2005
GRAPHICS / TABLES
- Banks and other lending institutions contacted for the research -
individual accident and health insurance
- Business banks contacted for the research - group accident and health
insurance
- Accident and health insurance gross premiums written in Europe, 2001-5
- Accident insurance gross premiums written in Europe split by country,
2001-5
- Health insurance gross premiums written in Europe split by country, 2001-5
- Comparison of bank distribution of individual accident insurance in
Europe, 2006
- Comparison of bank distribution of individual health insurance in Europe,
2006
- Comparison of bank distribution of group accident insurance, 2006
- Comparison of bank distribution of group health insurance in Europe, 2006
- Comparison of operating models used for individual accident and health
insurance in Europe, 2006
- Comparison of operating models used for group accident and health
insurance in Europe, 2006
- Gross premiums written for accident and health insurance in Austria, 2001-5
- Bank provision of individual accident insurance in Austria: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Austria: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Austria: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Austria: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Austria, 2003-5
- Market shares for key bancassurance competitors in accident insurance in
Austria, 2003-5
- Gross premiums written for accident and health insurance in Belgium, 2001-5
- Bank provision of individual accident insurance in Belgium: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Belgium: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident and health ins. in Belgium: pen. rates,
op. models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Belgium, 2003-4
- Gross premiums written for accident and health insurance in France, 2001-5
- Bank provision of individual accident insurance in France: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in France: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident and health ins. in France: pen. rates,
op. models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
France, 2003-4
- Market shares for key bancassurance competitors in accident and health
insurance in France, 2003-4
- Gross premiums written for accident and health insurance in Germany, 2001-5
- Bank provision of individual accident insurance in Germany: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Germany: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Germany: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Germany: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Germany, 2001-4
- Market shares for key bancassurance competitors in accident insurance in
Germany, 2001-4
- Market shares for key bancassurance competitors in health insurance in
Germany, 2001-4
- Gross premiums written for accident and health insurance in Italy, 2001-5
- Bank provision of individual accident insurance in Italy: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Italy: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Italy: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Italy: pen. rates, op. models
and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Italy, 2001-5
- Market shares for key bancassurance competitors in accident insurance in
Italy, 2001-5
- Market shares for key bancassurance competitors in health insurance in
Italy, 2001-5
- Gross premiums written for accident and health insurance in the
Netherlands, 2001-5
- Bank provision of individual accident ins. in the Netherlands: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health ins. in the Netherlands: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of group acc. and health ins. in the N' lands: pen. rates,
op. models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the Netherlands, 2003-4
- Market shares for key bancassurance competitors in accident and health
insurance in the Netherlands, 2003-4
- Gross premiums written for accident and health insurance in the Nordic
region, 2001-5
- Bank provision of individual acc. ins. in the Nordic region: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health ins. in the Nordic region: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of group accident ins. in the Nordic region: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of group health ins. in the Nordic region: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the Nordic region, 2003-5
- Gross premiums written for accident and health insurance in Portugal,
2001-5
- Bank provision of individual accident insurance in Portugal: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Portugal: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Portugal: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Portugal: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Portugal, 2001-4
- Gross premiums written for accident and health insurance in Spain, 2001-5
- Bank provision of individual accident insurance in Spain: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Spain: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Spain: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Spain: pen. rates, op. models
and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Spain, 2001-5
- Gross premiums written for accident and health insurance in the UK and
Ireland, 2001-5
- Bank provision of ind. accident ins. in the UK and Ireland: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health ins. in the UK and Ireland: pen.
rates, op. models and partner mrkt. shares, 2006
- Bank provision of group accident ins. in the UK and Ireland: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of group health ins. in the UK and Ireland: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the UK and Ireland, 2003-5
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