Opportunities in Brazil Insurance Market

Table of Contents

1. Analyst View

2. Global Insurance Industry

• 2.1 Overview
• 2.2 Top Insurance Countries

3. Latin America Insurance Industry

• 3.1 Overview
• 3.2 Brazil in Context of Latin America
• 3.3 Top Insurance Countries

4. Brazil Insurance Industry

• 4.1 Overview
• 4.2 Total Market Value (Direct Premium)
• 4.3 Insurance Market Participation in GDP
• 4.4 Top Ten Insurance Companies

5. Performance

• 5.1 General Insurance Market
  • 5.1.1 Personal Lines
    • 5.1.1.1 Automobile Insurance
    • 5.1.1.2 Homeowners' Insurance
  • 5.1.2 Commercial Lines
    • 5.1.2.1 Standard & Specialty Accounts
    • 5.1.2.2 Large Accounts
  • 5.1.3 Specialty Lines
• 5.2 Life & Retirement Savings Market
  • 5.2.1 Retirement Savings
• 5.3 Capitalization Market
• 5.4 Key Products
  • 5.4.1 VGBL (Vida Gerador de Beneficio Livre)
  • 5.4.2 PGBL (Plano Gerador de Beneficio Livre)
• 5.5 Health Insurance Market

6. Industry Analysis

• 6.1 Drivers
  • 6.1.1 Tax Advantage
  • 6.1.2 Bancassurance
  • 6.1.3 Automobile Insurance
  • 6.1.4 Rising Affordability
  • 6.1.5 Rising Crime Rate
  • 6.1.6 Increasing Population
• 6.2 Opportunities
  • 6.2.1 IT Industry
  • 6.2.2 Mutual Funds
  • 6.2.3 Banking Sector
  • 6.2.4 Pharmaceutical Market
  • 6.2.5 Reinsurance Market
• 6.3 Challenges
  • 6.3.1 Mutual Funds
  • 6.3.2 Economic Disparity
  • 6.3.3 Crime & Insurance Frauds
  • 6.3.4 Intense Price Competition

7. Future Outlook (2007-2011)

• 7.1 Life & Retirement Savings Market
  • 7.1.1 Retirement Savings
• 7.2 General Insurance Market
  • 7.2.1 Automobile Insurance
  • 7.2.2 Homeowners' Insurance
• 7.3 Health Insurance Market

8. Key Players

• 8.1 Unibanco Holdings S.A.
• 8.2 Brasilprev Seguros e Previdência S.A.
• 8.3 HSBC Seguros (Brasil) S.A.

9. Annexure

• 9.1 Reinsurance Market
• 9.2 Government Regulations

List of Figures:

• Figure 2-1: Global - Share of Life & Non-Life Insurance Premium (%), 2006
• Figure 3-1: Latin America - Share of Brazil by Insurance Premium (%), 2006
• Figure 3-2: Latin America - Top Insurance Countries by Premium (in Million US$), 2004-2006
• Figure 4-1: Brazil - Types of Companies in the Insurance Market (%), 2005
• Figure 4-2: Brazil - Share of Insurance Premium by Line (%), 2005
• Figure 4-3: Brazil - Direct Insurance Premium (in Million BRL), 2004-2006 & Jun 2007
• Figure 4-4: Brazil - Share of Insurance Market in GDP (%), 1999-2006E
• Figure 5-1: Brazil - Share of Foreign & National Capital in Insurance Market (%), 2005
• Figure 5-2: Brazil - Direct Insurance Premium (in Million BRL), Jan 2005 to June 2007
• Figure 5-3: Brazil - Earned Premium & Retained Loss for Insurance Market (in Million BRL), 2005, 2006 & Jun 2007
• Figure 5-4: Brazil - Loss Ratio of Insurance Market (%), 2005, 2006 & Jun 2007
• Figure 5-5: Brazil - Direct Automobile Insurance Premium (in Million BRL), Jan 2005 to Jun 2007
• Figure 5-6: Brazil - Earned Premium & Retained Loss for Automobile Insurance Market (in Million BRL), 2005, 2006 & Jun 2007
• Figure 5-7: Brazil - Loss Ratio of Automobile Insurance Market (%), 2005, 2006 & Jun 2007
• Figure 5-8: Brazil - Direct Homeowners' Insurance Premium (in Million BRL), 2003-2006E
• Figure 5-9: Brazil - Life & Retirement Savings Premium (in Billion BRL), 2002-2006E
• Figure 5-10: Brazil - Cumulative Provision of Retirement Savings (in Million BRL), Jan 2005 to Jun 2007
• Figure 5-11: Brazil - Retirement Savings Premium (in Million BRL), Jan 2005 to Jun 2007
• Figure 5-12: Brazil - Capitalization Premium (in Million BRL), Jan 2005 to Jun 2007
• Figure 5-13: Brazil - VGBL Premium (in Million BRL), Jan 2005 to Jun 2007
• Figure 5-14: Brazil - PGBL Premium (in Million BRL), Jan 2005 to Jun 2007
• Figure 5-15: Brazil - Health Insurance Premium (in Million BRL), 2001-2006
• Figure 6-1: Brazil - Share of PGBL in Retirement Savings (%), Jun 2007
• Figure 6-2: Brazil - Share of Direct Automobile Premium in Insurance Market (%), Jun 2007
• Figure 6-3: Brazil - Disposable Income per Head (in US$), 2002-2008F
• Figure 6-4: Brazil - Middle Class Population (in Million), 2000 & 2005
• Figure 6-5: Brazil - Forecast for Population Growth (in Million), 2007-2011
• Figure 6-6: Brazil - Forecast for Spending on IT Industry by Insurance Sector (in Million US$), 2007-2011
• Figure 6-7: Brazil - Forecast for Spending on IT Industry by Life Insurance Sector (in Million US$), 2007-2011
• Figure 6-8: Brazil - Forecast for Spending on IT Industry by Non-Life Sector (in Million US$), 2007-2011
• Figure 6-9: Brazil - Insurance & Retirement Savings Companies Investment Portfolio (%), Jun 2006
• Figure 6-10: Brazil - Investment Portfolio of Capitalization Companies (%), Jun 2006
• Figure 6-11: Brazil - Forecast for Pharmaceutical Market (in Million US$), 2007-2011
• Figure 7-1: Brazil - Forecast for Life & Retirement Savings Premium (in Billion BRL), 2007-2011
• Figure 7-2: Brazil - Forecast for Cumulative Provision of Retirement Savings (in Million BRL), 2007-2011
• Figure 7-3: Brazil - Forecast for Commercial Vehicle Registrations (in ‘000), 2007-2011
• Figure 7-4: Brazil - Forecast for Direct Automobile Insurance Premium (in Million BRL), 2007-2011
• Figure 7-5: Brazil - Forecast for Direct Homeowners' Insurance Premium (in Million BRL), 2007-2011
• Figure 7-6: Brazil - Forecast for Health Care Spending per Head (in US$), 2007-2011
• Figure 7-7: Brazil - Forecast for Health Insurance Premium (in Million BRL), 2007-2011

List of Tables:

• Table 2-1: Global - Life & Non-Life Insurance Premium (in Million US$), 2003-2006
• Table 2-2: Global - Top Insurance Countries by Premium Written (in Million US$), 2006
• Table 2-3: Global - Top Insurance Companies by Revenue (in Million US$), 2006
• Table 2-4: Global - Top Property/Casualty Insurance Companies by Revenue (in Million US$), 2006
• Table 2-5: Global - Top Life/Health Insurance Companies by Revenue (in Million US$), 2006
• Table 2-6: Global - Top Insurance Brokers by Revenue (in Million US$), 2006
• Table 2-7: Global - Top Reinsurers by Net Reinsurance Premium Written (in Million US$), 2005 & 2006
• Table 3-1: Latin America - Insurance Premium by Country (in Million US$), 2006
• Table 4-1: Brazil - Top Ten Insurance Companies by Premium (in Million BRL), Jun 2007
• Table 5-1: Brazil - Direct Automobile Insurance Premium by Company (in Million BRL), Jun 2007
• Table 5-2: Brazil - Retirement Savings Premium by Company (in Million BRL), Jun 2007
• Table 5-3: Brazil - Capitalization Premium by Company (in Million BRL), Jun 2007
• Table 5-4: Brazil - VGBL Premium by Company (in Million BRL), Jun 2007
• Table 5-5: Brazil - PGBL Premium by Company (in Million BRL), Jun 2007
• Table 6-1: Brazil - Top Banks Affiliated to Insurance Group & its Share (%), Jun 2006
• Table 6-2: Brazil - Top Banks Affiliated to Capitalization Group & its Share (%), Jun 2006
• Table 8-1: Unibanco Holdings S.A. - Key Financials (in Million BRL), 2005 & 2006
• Table 8-2: Brasilprev Seguros e Previdência S.A. - Key Financials (in Million BRL), 2005 & Jun 2006
• Table 8-3: HSBC Seguros (Brasil) S.A. - Key Financials (in Million BRL), 2005 & 2006