Table of Contents
1 Introduction
1.1 What is this Report About?
1.2 Definitions
1.3 Methodology
2 French Insurance Industry Attractiveness
2.1 Insurance Industry Market Size, 2007–2016
2.2 Key Industry Trends and Drivers
2.2.1 Business drivers
2.2.2 Consumer drivers
2.3 Recent Market Developments
3 Life Insurance Segment Outlook
3.1 Life Insurance Growth Prospects by Category
3.1.1 Individual life insurance category
3.1.2 Individual pension category
3.1.3 Individual marriage and birth insurance category
3.1.4 Individual unit-linked insurance category
3.1.5 Individual others insurance category
3.1.6 Group life insurance category
3.1.7 Group superannuation category
3.2 Life Insurance Growth Prospects by Individual and Group Policies
3.2.1 Individual single-premium policies
3.2.2 Individual non-single-premium policies
3.2.3 Group single-premium policies
3.2.4 Group non-single-premium policies
4 Analysis by Distribution Channel
4.1 Direct Marketing Channel
4.2 Bancassurance Channel
4.3 Agencies Channel
4.4 E-Commerce Channel
4.5 Brokers Channel
4.6 Other Channels
5 Appendix
5.1 Methodology
5.2 Contact Us
5.3 About Timetric
5.4 Disclaimer
List of Tables
Table 1: Insurance Industry Definitions
Table 2: French Insurance Overall Written Premium by Segment (EUR Billion), 2007–2011
Table 3: French Insurance Overall Written Premium by Segment (US$ Billion), 2007–2011
Table 4: French Insurance Overall Written Premium by Segment (EUR Billion), 2011–2016
Table 5: French Insurance Overall Written Premium by Segment (US$ Billion), 2011–2016
Table 6: French Insurance Segmentation (% Share), 2007–2016
Table 7: Life Insurance Written Premium by Category (EUR Billion), 2007–2011
Table 8: Life Insurance Written Premium by Category (US$ Billion), 2007–2011
Table 9: Life Insurance Written Premium by Category (EUR Billion), 2011–2016
Table 10: Life Insurance Written Premium by Category (US$ Billion), 2011–2016
Table 11: Life Insurance – Earned Premium (EUR Billion), 2007–2011
Table 12: Life Insurance – Earned Premium (EUR Billion), 2011–2016
Table 13: Life Insurance – Sum Assured (EUR Trillion), 2007–2011
Table 14: Life Insurance – Sum Assured (EUR Trillion), 2011–2016
Table 15: Life Insurance – Paid Claims (EUR Billion), 2007–2011
Table 16: Life Insurance – Paid Claims (EUR Billion), 2011–2016
Table 17: Life Insurance – Incurred Loss (EUR Billion), 2007–2011
Table 18: Life Insurance – Incurred Loss (EUR Billion), 2011–2016
Table 19: Life Insurance – Loss Ratio (%), 2007–2011
Table 20: Life Insurance – Loss Ratio (%), 2011–2016
Table 21: Life Insurance – Commissions and Expenses (EUR Billion), 2007–2011
Table 22: Life Insurance – Commissions and Expenses (EUR Billion), 2011–2016
Table 23: Life Insurance – Combined Ratio (%), 2007–2011
Table 24: Life Insurance – Combined Ratio (%), 2011–2016
Table 25: Life Insurance – Frauds and Crimes (EUR Billion), 2007–2011
Table 26: Life Insurance – Frauds and Crimes (EUR Billion), 2011–2016
Table 27: Life Insurance – Total Assets (EUR Billion), 2007–2011
Table 28: Life Insurance – Total Assets (EUR Billion), 2011–2016
Table 29: Life Insurance – Total Investment Income (EUR Billion), 2007–2011
Table 30: Life Insurance – Total Investment Income (EUR Billion), 2011–2016
Table 31: Life Insurance – Retentions (EUR Billion), 2007–2011
Table 32: Life Insurance – Retentions (EUR Billion), 2011–2016
Table 33: Individual Life Insurance Category – Number of Active Policies (Thousand), 2007–2011
Table 34: Individual Life Insurance Category – Number of Active Policies, 2011–2016
Table 35: Individual Life Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 36: Individual Life Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 37: Individual Pension Category – Number of Active Policies (Thousand), 2007–2011
Table 38: Individual Pension Category – Number of Active Policies (Thousand), 2011–2016
Table 39: Individual Pension Category – Written Premium (EUR Billion), 2007–2011
Table 40: Individual Pension Category – Written Premium (EUR Billion), 2011–2016
Table 41: Individual Marriage and Birth Insurance Category – Number of Active Policies (Thousand), 2007–2011
Table 42: Individual Marriage and Birth Insurance Category – Number of Active Policies (Thousand), 2011–2016
Table 43: Individual Marriage and Birth Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 44: Individual Marriage and Birth Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 45: Individual Unit-Linked Insurance Category – Number of Active Policies (Thousand), 2007–2011
Table 46: Individual Unit-Linked Insurance Category – Number of Active Policies (Thousand), 2011–2016
Table 47: Individual Unit-Linked Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 48: Individual Unit-Linked Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 49: Individual Others Insurance Category – Number of Active Policies (Thousand), 2007–2011
Table 50: Individual Others Insurance Category – Number of Active Policies (Thousand), 2011–2016
Table 51: Individual Others Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 52: Individual Others Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 53: Group Life Insurance Category – Number of Active Policies (Thousand), 2007–2011
Table 54: Group Life Insurance Category – Number of Active Policies (Thousand), 2011–2016
Table 55: Group Life Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 56: Group Life Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 57: Group Superannuation Category – Number of Active Policies (Thousand), 2007–2011
Table 58: Group Superannuation Category – Number of Active Policies (Thousand), 2011–2016
Table 59: Group Superannuation Category – Written Premium (EUR Billion), 2007–2011
Table 60: Group Superannuation Category – Written Premium (EUR Billion), 2011–2016
Table 61: Individual Single-Premium Policies – Number of Active Policies (Thousand), 2007–2011
Table 62: Individual Single-Premium Policies – Number of Active Policies (Thousand), 2011–2016
Table 63: Individual Single-Premium Policies – Written Premium (EUR Billion), 2007–2011
Table 64: Individual Single-Premium Policies – Written Premium (EUR Billion), 2011–2016
Table 65: Individual Non-Single-Premium Policies – Number of Active Policies (Thousand), 2007–2011
Table 66: Individual Non-Single-Premium Policies – Number of Active Policies (Thousand), 2011–2016
Table 67: Individual Non-Single-Premium Policies – Written Premium (EUR Billion), 2007–2011
Table 68: Individual Non-Single-Premium Policies – Written Premium (EUR Billion), 2011–2016
Table 69: Group Single-Premium Policies – Number of Active Policies (Thousand), 2007–2011
Table 70: Group Single-Premium Policies – Number of Active Policies (Thousand), 2011–2016
Table 71: Group Single-Premium Policies – Written Premium (EUR Billion), 2007–2011
Table 72: Group Single-Premium Policies – Written Premium (EUR Billion), 2011–2016
Table 73: Group Non-Single-Premium Policies – Number of Active Policies (Thousand), 2007–2011
Table 74: Group Non-Single-Premium Policies – Number of Active Policies (Thousand), 2011–2016
Table 75: Group Non-Single-Premium Policies – Written Premium (EUR Billion), 2007–2011
Table 76: Group Non-Single-Premium Policies – Written Premium (EUR Billion), 2011–2016
Table 77: Life Insurance – Direct Marketing Commission Paid (EUR Billion), 2007–2011
Table 78: Life Insurance – Direct Marketing Commission Paid (EUR Billion), 2011–2016
Table 79: Life Insurance – Written Premium Through Direct Marketing (EUR Billion), 2007–2011
Table 80: Life Insurance – Written Premium Through Direct Marketing (EUR Billion), 2011–2016
Table 81: Life Insurance – New Policies Sold Through Direct Marketing (Thousand), 2007–2011
Table 82: Life Insurance – New Policies Sold Through Direct Marketing (Thousand), 2011–2016
Table 83: Life Insurance – Number of Direct Marketing Distributors, 2007–2011
Table 84: Life Insurance – Number of Direct Marketing Distributors, 2011–2016
Table 85: Life Insurance – Bancassurance Commission Paid (EUR Billion), 2007–2011
Table 86: Life Insurance – Bancassurance Commission Paid (EUR Billion), 2011–2016
Table 87: Life Insurance – Written Premium Through Bancassurance (EUR Billion), 2007–2011
Table 88: Life Insurance – Written Premium Through Bancassurance (EUR Billion), 2011–2016
Table 89: Life Insurance – New Policies Sold Through Bancassurance (Thousand), 2007–2011
Table 90: Life Insurance – New Policies Sold Through Bancassurance (Thousand), 2011–2016
Table 91: Life Insurance – Number of Bancassurance Distributors, 2007–2011
Table 92: Life Insurance – Number of Bancassurance Distributors, 2011–2016
Table 93: Life Insurance – Commission Paid to Agencies (EUR Billion), 2007–2011
Table 94: Life Insurance – Commission Paid to Agencies (EUR Billion), 2011–2016
Table 95: Life Insurance – Written Premium Through Agencies (EUR Billion), 2007–2011
Table 96: Life Insurance – Written Premium Through Agencies (EUR Billion), 2011–2016
Table 97: Life Insurance – New Policies Sold Through Agencies (Thousand), 2007–2011
Table 98: Life Insurance – New Policies Sold Through Agencies (Thousand), 2011–2016
Table 99: Life Insurance – Number of Agencies, 2007–2011
Table 100: Life Insurance – Number of Agencies, 2011–2016
Table 101: Life Insurance – E-Commerce Commission Paid (EUR Billion), 2007–2011
Table 102: Life Insurance – E-Commerce Commission Paid (EUR Billion), 2011–2016
Table 103: Life Insurance – Written Premium Through E-Commerce (EUR Billion), 2007–2011
Table 104: Life Insurance – Written Premium Through E-Commerce (EUR Billion), 2011–2016
Table 105: Life Insurance – New Policies Sold Through E-Commerce (Thousand), 2007–2011
Table 106: Life Insurance – New Policies Sold Through E-Commerce (Thousand), 2011–2016
Table 107: Life Insurance – Number of E-Commerce Distributors, 2007–2011
Table 108: Life Insurance – Number of E-Commerce Distributors, 2011–2016
Table 109: Life Insurance – Commission Paid to Brokers (EUR Billion), 2007–2011
Table 110: Life Insurance – Commission Paid to Brokers (EUR Billion), 2011–2016
Table 111: Life Insurance – Written Premium Through Brokers (EUR Billion), 2007–2011
Table 112: Life Insurance – Written Premium Through Brokers (EUR Billion), 2011–2016
Table 113: Life Insurance – New Policies Sold Through Brokers (Thousand), 2007–2011
Table 114: Life Insurance – New Policies Sold Through Brokers (Thousand), 2011–2016
Table 115: Life Insurance – Number of Brokers, 2007–2011
Table 116: Life Insurance – Number of Brokers, 2011–2016
Table 117: Life Insurance – Commission Paid to Other Channels (EUR Billion), 2007–2011
Table 118: Life Insurance – Commission Paid to Other Channels (EUR Billion), 2011–2016
Table 119: Life Insurance – Written Premium Through Other Channels (EUR Billion), 2007–2011
Table 120: Life Insurance – Written Premium Through Other Channels (EUR Billion), 2011–2016
Table 121: Life Insurance – New Policies Sold Through Other Channels (Thousand), 2007–2011
Table 122: Life Insurance – New Policies Sold Through Other Channels (Thousand), 2011–2016
Table 123: Life Insurance – Number of Distributors in Other Channels, 2007–2011
Table 124: Life Insurance – Number of Distributors in Other Channels, 2011–2016
List of Figures
Figure 1: French Insurance Overall Written Premium by Segment (EUR Billion), 2007–2016
Figure 2: French Insurance Market Dynamics by Segment, 2007–2016
Figure 3: Life Insurance Written Premium by Category (EUR Billion), 2007–2016
Figure 4: Life Insurance Written Premium by Category (% Share), 2011 and 2016
Figure 5: Life Insurance Market Dynamics by Category, 2007–2016
Figure 6: Life Insurance – Earned Premium (EUR Billion), 2007–2011
Figure 7: Life Insurance – Earned Premium (EUR Billion), 2011–2016
Figure 8: Life Insurance – Sum Assured (EUR Trillion), 2007–2011
Figure 9: Life Insurance – Sum Assured (EUR Trillion), 2011–2016
Figure 10: Life Insurance – Paid Claims (EUR Billion), 2007–2011
Figure 11: Life Insurance – Paid Claims (EUR Billion), 2011–2016
Figure 12: Life Insurance – Incurred Loss (EUR Billion), 2007–2011
Figure 13: Life Insurance – Incurred Loss (EUR Billion), 2011–2016
Figure 14: Life Insurance – Loss Ratio (%), 2007–2011
Figure 15: Life Insurance – Loss Ratio (%), 2011–2016
Figure 16: Life Insurance – Commissions and Expenses (EUR Billion), 2007–2011
Figure 17: Life Insurance – Commissions and Expenses (EUR Billion), 2011–2016
Figure 18: Life Insurance – Combined Ratio (%), 2007–2011
Figure 19: Life Insurance – Combined Ratio (%), 2011–2016
Figure 20: Life Insurance – Frauds and Crimes (EUR Billion), 2007–2011
Figure 21: Life Insurance – Frauds and Crimes (EUR Billion), 2011–2016
Figure 22: Life Insurance – Total Assets (EUR Billion), 2007–2011
Figure 23: Life Insurance – Total Assets (EUR Billion), 2011–2016
Figure 24: Life Insurance – Total Investment Income (EUR Billion), 2007–2011
Figure 25: Life Insurance – Total Investment Income (EUR Billion), 2011–2016
Figure 26: Life Insurance – Retentions (EUR Billion), 2007–2011
Figure 27: Life Insurance – Retentions (EUR Billion), 2011–2016
Figure 28: Life Insurance – Investment Portfolio (EUR Billion), 2007–2011
Figure 29: Life Insurance – Investment Portfolio (% Share), 2007 and 2011
Figure 30: Life Insurance – Penetration (% of GDP), 2007–2011
Figure 31: Life Insurance – Density (Number of Policies per Capita), 2007–2011
Figure 32: Life Insurance – Number of Active Policies (Thousand), 2007–2011
Figure 33: Life Insurance – Number of Active Policies (Thousand), 2011–2016
Figure 34: Life Insurance – Premium Per Capita (EUR), 2007–2011
Figure 35: Individual Life Insurance Category – Number of Active Policies (Thousand), 2007–2011
Figure 36: Individual Life Insurance Category – Number of Active Policies (Thousand), 2011–2016
Figure 37: Individual Life Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 38: Individual Life Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 39: Individual Pension Category – Number of Active Policies (Thousand), 2007–2011
Figure 40: Individual Pension Category – Number of Active Policies (Thousand), 2011–2016
Figure 41: Individual Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 42: Individual Pension Category – Written Premium (EUR Billion), 2011–2016
Figure 43: Individual Marriage and Birth Insurance Category – Number of Active Policies (Thousand), 2007–2011
Figure 44: Individual Marriage and Birth Insurance Category – Number of Active Policies (Thousand), 2011–2016
Figure 45: Individual Marriage and Birth Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 46: Individual Marriage and Birth Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 47: Individual Unit-Linked Insurance Category – Number of Active Policies (Thousand), 2007–2011
Figure 48: Individual Unit-Linked Insurance Category – Number of Active Policies (Thousand), 2011–2016
Figure 49: Individual Unit-Linked Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 50: Individual Unit-Linked Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 51: Individual Others Insurance Category – Number of Active Policies (Thousand), 2007–2011
Figure 52: Individual Others Insurance Category – Number of Active Policies (Thousand), 2011–2016
Figure 53: Individual Others Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 54: Individual Others Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 55: Group Life Insurance Category – Number of Active Policies (Thousand), 2007–2011
Figure 56: Group Life Insurance Category – Number of Active Policies (Thousand), 2011–2016
Figure 57: Group Life Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 58: Group Life Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 59: Group Superannuation Category – Number of Active Policies (Thousand), 2007–2011
Figure 60: Group Superannuation Category – Number of Active Policies (Thousand), 2011–2016
Figure 61: Group Superannuation Category – Written Premium (EUR Billion), 2007–2011
Figure 62: Group Superannuation Category – Written Premium (EUR Billion), 2011–2016
Figure 63: Individual Single-Premium Policies – Number of Active Policies (Thousand), 2007–2011
Figure 64: Individual Single-Premium Policies – Number of Active Policies (Thousand), 2011–2016
Figure 65: Individual Single-Premium Policies – Written Premium (EUR Billion), 2007–2011
Figure 66: Individual Single-Premium Policies – Written Premium (EUR Billion), 2011–2016
Figure 67: Individual Non-Single-Premium Policies – Number of Active Policies (Thousand), 2007–2011
Figure 68: Individual Non-Single-Premium Policies – Number of Active Policies (Thousand), 2011–2016
Figure 69: Individual Non-Single-Premium Policies – Written Premium (EUR Billion), 2007–2011
Figure 70: Individual Non-Single-Premium Policies – Written Premium (EUR Billion), 2011–2016
Figure 71: Group Single-Premium Policies – Number of Active Policies (Thousand), 2007–2011
Figure 72: Group Single-Premium Policies – Number of Active Policies (Thousand), 2011–2016
Figure 73: Group Single-Premium Policies – Written Premium (EUR Billion), 2007–2011
Figure 74: Group Single-Premium Policies – Written Premium (EUR Billion), 2011–2016
Figure 75: Group Non-Single-Premium Policies – Number of Active Policies (Thousand), 2007–2011
Figure 76: Group Non-Single-Premium Policies – Number of Active Policies (Thousand), 2011–2016
Figure 77: Group Non-Single-Premium Policies – Written Premium (EUR Billion), 2007–2011
Figure 78: Group Non-Single-Premium Policies – Written Premium (EUR Billion), 2011–2016
Figure 79: Life Insurance – Written Premium Generated by Distribution Channel (% Share), 2011 and 2016
Figure 80: Life Insurance – Direct Marketing Commission Paid (EUR Billion), 2007–2011
Figure 81: Life Insurance – Direct Marketing Commission Paid (EUR Billion), 2011–2016
Figure 82: Life Insurance – Written Premium Through Direct Marketing (EUR Billion), 2007–2011
Figure 83: Life Insurance – Written Premium Through Direct Marketing (EUR Billion), 2011–2016
Figure 84: Life Insurance – New Policies Sold Through Direct Marketing (Thousand), 2007–2011
Figure 85: Life Insurance – New Policies Sold Through Direct Marketing (Thousand), 2011–2016
Figure 86: Life Insurance – Number of Direct Marketing Distributors, 2007–2011
Figure 87: Life Insurance – Number of Direct Marketing Distributors, 2011–2016
Figure 88: Life Insurance – Bancassurance Commission Paid (EUR Billion), 2007–2011
Figure 89: Life Insurance – Bancassurance Commission Paid (EUR Billion), 2011–2016
Figure 90: Life Insurance – Written Premium Through Bancassurance (EUR Billion), 2007–2011
Figure 91: Life Insurance – Written Premium Through Bancassurance (EUR Billion), 2011–2016
Figure 92: Life Insurance – New Policies Sold Through Bancassurance (Thousand), 2007–2011
Figure 93: Life Insurance – New Policies Sold Through Bancassurance (Thousand), 2011–2016
Figure 94: Life Insurance – Number of Bancassurance Distributors, 2007–2011
Figure 95: Life Insurance – Number of Bancassurance Distributors, 2011–2016
Figure 96: Life Insurance – Commission Paid to Agencies (EUR Billion), 2007–2011
Figure 97: Life Insurance – Commission Paid to Agencies (EUR Billion), 2011–2016
Figure 98: Life Insurance – Written Premium Through Agencies (EUR Billion), 2007–2011
Figure 99: Life Insurance – Written Premium Through Agencies (EUR Billion), 2011–2016
Figure 100: Life Insurance – New Policies Sold Through Agencies (Thousand), 2007–2011
Figure 101: Life Insurance – New Policies Sold Through Agencies (Thousand), 2011–2016
Figure 102: Life Insurance – Number of Agencies, 2007–2011
Figure 103: Life Insurance – Number of Agencies, 2011–2016
Figure 104: Life Insurance – E-Commerce Commission Paid (EUR Billion), 2007–2011
Figure 105: Life Insurance – E-Commerce Commission Paid (EUR Billion), 2011–2016
Figure 106: Life Insurance – Written Premium Through E-Commerce (EUR Billion), 2007–2011
Figure 107: Life Insurance – Written Premium Through E-Commerce (EUR Billion), 2011–2016
Figure 108: Life Insurance – New Policies Sold Through E-Commerce (Thousand), 2007–2011
Figure 109: Life Insurance – New Policies Sold Through E-Commerce (Thousand), 2011–2016
Figure 110: Life Insurance – Number of E-Commerce Distributors, 2007–2011
Figure 111: Life Insurance – Number of E-Commerce Distributors, 2011–2016
Figure 112: Life Insurance – Commission Paid to Brokers (EUR Billion), 2007–2011
Figure 113: Life Insurance – Commission Paid to Brokers (EUR Billion), 2011–2016
Figure 114: Life Insurance – Written Premium Through Brokers (EUR Billion), 2007–2011
Figure 115: Life Insurance – Written Premium Through Brokers (EUR Billion), 2011–2016
Figure 116: Life Insurance – New Policies Sold Through Brokers (Thousand), 2007–2011
Figure 117: Life Insurance – New Policies Sold Through Brokers (Thousand), 2011–2016
Figure 118: Life Insurance – Number of Brokers, 2007–2011
Figure 119: Life Insurance – Number of Brokers, 2011–2016
Figure 120: Life Insurance – Commission Paid to Other Channels (EUR Billion), 2007–2011
Figure 121: Life Insurance – Commission Paid to Other Channels (EUR Billion), 2011–2016
Figure 122: Life Insurance – Written Premium Through Other Channels (EUR Billion), 2007–2011
Figure 123: Life Insurance – Written Premium Through Other Channels (EUR Billion), 2011–2016
Figure 124: Life Insurance – New Policies Sold Through Other Channels (Thousand), 2007–2011
Figure 125: Life Insurance – New Policies Sold Through Other Channels (Thousand), 2011–2016
Figure 126: Life Insurance – Number of Distributors in Other Channels, 2007–2011
Figure 127: Life Insurance – Number of Distributors in Other Channels, 2011–2016