http://www.researchmoz.us/life-insurance-in-finland-key-trends-and-opportunities-to-2017-report.html The report provides in-depth market analysis, information and insights into the Finnish life insurance segment, including: The Finnish life insurance segment’s growth prospects by life insurance categories Key trends and drivers for the life insurance segment

1. Life Insurance in Finland, Key Trends and Opportunities to 2017
Synopsis
The report provides in-depth market analysis, information and insights into the Finnish life insurance segment, including:
The Finnish life insurance segment’s growth prospects by life insurance categories Key trends and drivers for the life insurance segment The various
distribution channels in the Finnish life insurance segment The detailed competitive landscape in the life insurance segment in Finland A detailed overview of the
regulatory framework of the Finnish insurance industry A description of the life reinsurance segment in Finland Porter's Five Forces analysis of the life insurance
segment A benchmarking section on the Finnish life insurance segment in comparison with other countries in the Nordic Region
Executive summary
Life insurance was the largest segment in the Finnish insurance industry in 2012, accounting for 81.8% of the industry’s gross written premium in 2012.
Pure risk, capital-redemption and unit-linked policies will record considerable growth between 2012 and 2018, although the opposite will be the case with
guaranteed-return policies due to subdued interest rates on government bonds. The solvency margin of life insurers was more than five times the required level in
2012.
Scope
This report provides a comprehensive analysis of the life insurance segment in Finland:
It provides historical values for the Finnish life insurance segment for the report’s 2008–2012 review period, and expected figures for the
2012–2017 forecast period. It offers a detailed analysis of the key categories in the Finnish life insurance segment, along with market forecasts until 2017.
It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes,
total assets, total investment income and retentions. It analyses the various distribution channels for life insurance products in Finland. Using Porter’s
industry-standard “Five Forces” analysis, it details the competitive landscape in Finland for the life insurance business. It provides a detailed
analysis of the reinsurance segment in Finland and its growth prospects. It profiles the top life insurance companies in Finland 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 Finnish life insurance segment and each category within it
Understand the demand-side dynamics, key market trends and growth opportunities within the Finnish life insurance segment Assess the competitive dynamics in
the life insurance segment, along with the reinsurance segment Identify the growth opportunities and market dynamics within key product categories Gain
insights into key regulations governing the Finnish insurance industry and its impact on companies and the market's future
Key highlights
Life insurance was the largest segment in the Finnish insurance industry in 2012, accounting for 81.8% of the industry’s gross written premium in 2012.
Bancassurance is the main channel of distribution for life insurance products, accounting for 54.2% of the segment’s new business gross written premiums
in 2012. With low interest rates offered on government bonds, there has been a decrease in both demand for and supply of guaranteed-return policies. In 2012, the
life insurers’ solvency ratio was more than 23% higher than requirements, on account of potential payouts to policyholders. The life segment is highly
concentrated, with the 10 leading companies collectively accounting for 97.1% of the segment’s written premiums in 2012.
table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Nordic Region Market Dynamics
3.1 Overview
3.1.1 Market Trends
3.1.2 Market Size
4 Life Insurance Segment – Regional Benchmarking
4.1 Scale And Penetration
4.1.1 Total Gross Written Premium
4.1.2 Premium Per Capita
4.1.3 Life Insurance Penetration (% Of Gdp)
4.2 Growth
4.2.1 Gross Written Premium
4.2.2 Gross Written Premium Per Capita
4.3 Efficiency And Risk
4.3.1 Loss Ratio
4.3.2 Combined Ratio
4.3.3 Incurred Losses Per Capita
4.3.4 Incurred Losses As A Percentage Of Gdp
4.4 Distribution Channels
Life Insurance in Finland, Key Trends and Opportunities to 2017

2. 4.4.1 Direct Marketing
4.4.2 Bancassurance
4.4.3 Agencies
4.4.4 Online Channels
5 Finnish Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends And Drivers
6 Life Insurance Outlook
6.1 Life Insurance Growth Prospects By Category
6.1.1 Individual Life Insurance
6.1.2 Individual Pension Insurance
6.1.3 Individual Endowment Insurance
6.1.4 Individual Unit-linked Insurance
6.1.5 Group Life Insurance
6.1.6 Group Superannuation Insurance
6.1.7 Group Unit-linked Insurance
6.2 Life Insurance Growth Prospects By Product Type
6.2.1 Individual Single-premium Policies
6.2.2 Individual Non-single-premium Policies
6.2.3 Group Single-premium Policies
6.2.4 Group Non-single-premium Policies
7 Analysis By Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other Channels
8 Porter’s Five Forces Analysis – Finnish Life Insurance
8.1 Bargaining Power Of Supplier: Medium To High
8.2 Bargaining Power Of Buyer: Low To Medium
8.3 Barriers To Entry: High
8.4 Intensity Of Rivalry: Medium To High
8.5 Threat Of Substitutes: Low
9 Reinsurance Growth Dynamics And Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
10 Governance, Risk And Compliance
10.1 Legislation Overview And Historical Evolution
10.2 Regulations By Type Of Insurance
10.2.1 Life Insurance Regulations
10.2.2 Property Insurance Regulations
10.2.3 Motor Insurance Regulations
10.2.4 Marine, Aviation And Transit Insurance Regulations
10.2.5 Personal Accident And Health Insurance Regulations
10.3 Compulsory Insurance
10.3.1 Motor Third-party Liability Insurance
10.3.2 Workers’ Compensation Insurance
10.3.3 Air Carriers And Aircraft Operators Insurance
10.4 Supervision And Control
10.4.1 International Association Of Insurance Supervisors (iais)
10.4.2 European Insurance And Occupational Pension Authority (eiopa)
10.4.3 Financial Supervisory Authority (fsa)
10.5 Non-admitted Insurance Regulations
10.5.1 Overview
10.5.2 Intermediaries
Life Insurance in Finland, Key Trends and Opportunities to 2017

3. 10.5.3 Market Practices
10.5.4 Fines And Penalties
10.6 Company Registration And Operations
10.6.1 Types Of Insurance Organization
10.6.2 Establishing A Local Company
10.6.3 Foreign Ownership
10.6.4 Types Of License
10.6.5 Capital Requirements
10.6.6 Solvency Margins
10.6.7 Reserve Requirements
10.6.8 Investment Regulations
10.6.9 Statutory Return Requirements
10.6.10 Fee Structure
10.7 Taxation
10.7.1 Insurance Premium Or Policy Taxation
10.7.2 Withholding Tax On Insurance Premium Paid Overseas
10.7.3 Corporate Tax
10.7.4 Vat
10.7.5 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access To Court
10.8.3 Alternative Dispute Resolution (adr)
11 Competitive Landscape And Strategic Insights
11.1 Overview
11.2 Leading Companies In The Finnish Life Insurance Segment
11.3 Comparison Of The Top Five Insurers
11.3.1 Gross Written Premium
11.3.2 Incurred Loss
11.3.3 Total Assets
11.4 Varma Mutual Pension Insurance Company – Company Overview
11.4.1 Varma Mutual Pension Insurance Company – Key Facts
11.4.2 Varma Mutual Pension Insurance Company – Key Financials
11.5 Ilmarinen Mutual Pension Insurance Company – Company Overview
11.5.1 Ilmarinen Mutual Pension Insurance Company – Key Facts
11.5.2 Ilmarinen Mutual Pension Insurance Company – Key Financials
11.6 Localtapiola Mutual Pension Insurance Company – Company Overview
11.6.1 Localtapiola Mutual Pension Insurance Company – Key Facts
11.6.2 Localtapiola Mutual Pension Insurance Company – Key Financials
11.7 Nordea Life Assurance Finland Ltd – Company Overview
11.7.1 Nordea Life Assurance Finland Ltd – Key Facts
11.7.2 Nordea Life Assurance Finland Ltd – Key Financials
11.8 Fenia Mutual Pension Insurance Company – Company Overview
11.8.1 Fenia Mutual Pension Insurance Company – Key Facts
11.8.2 Fenia Mutual Pension Insurance Company – Key Financials
11.9 Mandatum Life Insurance Company Ltd – Company Overview
11.9.1 Mandatum Life Insurance Company Ltd – Key Facts
11.9.2 Mandatum Life Insurance Company Ltd – Key Financials
11.10 Op Life Assurance Company Ltd – Company Overview
11.10.1 Op Life Assurance Company Ltd – Key Facts
11.10.2 Op Life Assurance Company Ltd – Key Financials
11.11 Etera Mutual Pension Insurance Company – Company Overview
11.11.1 Etera Mutual Pension Insurance Company – Key Facts
11.11.2 Etera Mutual Pension Insurance Company – Key Financials
11.12 Veritas Pension Insurance Company Ltd – Company Overview
11.12.1 Veritas Pension Insurance Company Ltd – Key Facts
11.12.2 Veritas Pension Insurance Company Ltd – Key Financials
11.13 Localtapiola Mutual Life Insurance Company – Company Overview
11.13.1 Localtapiola Mutual Life Insurance Company – Key Facts
11.13.2 Localtapiola Mutual Life Insurance Company – Key Financials
12 Business Environment And Country Risk
12.1 Business Confidence
12.1.1 Market Capitalization Trend – Finnish Stock Exchange, Finland
12.2 Economic Performance
Life Insurance in Finland, Key Trends and Opportunities to 2017

4. 12.2.1 Gdp At Constant Prices (us$)
12.2.2 Gdp Per Capita At Constant Prices (us$)
12.2.3 Gdp At Current Prices (us$)
12.2.4 Gdp Per Capita At Current Prices (us$)
12.2.5 Gdp By Key Segments
12.2.6 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us$)
12.2.7 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices, As A Percentage Of Gdp
12.2.8 Manufacturing Net Output At Current Prices (us$)
12.2.9 Manufacturing Net Output At Current Prices, As A Percentage Of Gdp
12.2.10 Mining, Manufacturing And Utilities At Current Prices (us$)
12.2.11 Mining, Manufacturing And Utilities At Current Prices, As A Percentage Of Gdp
12.2.12 Construction Net Output At Current Prices (us$)
12.2.13 Construction Net Output At Current Prices As A Percentage Of Gdp
12.2.14 Inflation Rate
12.2.15 Exports As A Percentage Of Gdp
12.2.16 Imports As A Percentage Of Gdp
12.2.17 Exports Growth
12.2.18 Imports Growth
12.2.19 Annual Average Exchange Rate Eur–us$
12.3 Infrastructure Quality And Availability
12.3.1 Commercial Vehicle Exports Total Value
12.3.2 Commercial Vehicle Imports Total Value
12.3.3 Automotive Exports Total Value
12.3.4 Automotive Imports Total Value
12.3.5 Total Internet Subscribers
12.4 Labor Force
12.4.1 Labor Force
12.4.2 Unemployment Rate
12.5 Demographics
12.5.1 Gross National Disposable Income (us$)
12.5.2 Household Consumption Expenditure (us$)
12.5.3 Total Population
12.5.4 Urban And Rural Population
12.5.5 Age Distribution Of The Total Population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer
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Life Insurance in Finland, Key Trends and Opportunities to 2017