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Lebanon Insurance Market Intelligence – Market Research Reports On Aarkstore Enterprise
Lebanon Insurance Market Intelligence “Lebanon’s insurance sector is more significant economically, more advanced, and more innovative than those of its Arab neighbors. Also, the insurance sector is open and liberal supported by the free market economy. Private players hold the lead with highest shares as there is less government intervention. The life insurance segment is relatively smaller in size as compared with the non-life insurance segment, mainly because of the lack of government intervention and laws. Besides registering the highest insurance penetration rate in the MENA region, the Lebanese insurance industry also recorded a healthy premium growth. Lebanon is one of the only seven countries in the world which scored profits in 2008 due to its free economy structure and control of private companies. The continuous growth in its national economy helped the insurance sector to grow with a rising growth rate.
The demand for motor insurance and medical insurance are the major growth drivers for the non-life insurance segment. The large deficit of the governmental system in terms of management and coverage favors the development of several types of insurances activities. Health, auto and life insurance dominate the underwriting of insurance categories in the Lebanese market. The mandatory insurance of every motor vehicle has boosted car insurance sales, which has an influence over the total market. The other forms of insurance (fire, marine and various risks) are developing at a slower pace and remain linked to circumstances. Though the insurance density has grown over years, it remains considerably behind other developing nations. In addition, the penetration rates are low but have increased over the time period.
The present report gives an overview of the insurance market of Lebanon along with an analysis of the Lebanese political structure and economic growth. The report provides an insight into the market size and growth in insurance premiums as well as life and non-life premiums. Insurance premiums are discussed in terms of life and non-life segments and the density and penetration levels. The various developments and drivers are also discussed and finally the projections regarding premium growth are given.
By combining SPSS Inc.’s data integration and analysis capabilities with our relevant findings, we have predicted the future growth of Lebanon insurance industry. We employed various significant variables that have an impact on this industry and created regression models with SPSS Base to determine the future direction of the industry and its sub-segments life and non-life insurance. Before deploying the regression model, the relationship between several independent or predictor variables and the dependent variable was analyzed using standard SPSS output, including charts, tables and tests.
Table of Contents :
1. Industry Snapshot
1.1 Industry Structure
1.1.1 Economically Significant, More Advanced and Innovative 1.1.2 Private Players Leading the Industry, Less Government Intervention 1.1.3 Open and Liberal System in Industry
1.2 Market Overview
1.2.1 Market Size & Growth
1.2.1.1 Industry went Through Many Changes Life Reforms and New Products 1.2.1.2 Low Global Premium Share and Ranking
1.2.2 Market Segments
1.2.2.1 General Insurance Largest Segment, High Demand for Motor and Medical Insurance 1.2.2.2 Unprecedented Development in Life-Retirement 1.2.2.3 Health, Auto and Life Insurance Dominate the Underwriting of Insurance Categories 1.2.2.4 Mandatory Motor Vehicle Insurance
1.2.3 Market Density & Penetration
1.2.3.1 Steady Growth in Insurance Density 1.2.3.2 Low Per Capita Insurance Expenditure Low Compared to Developing Regions 1.2.3.3 Increasing Penetration Rates, High Levels in Non-Life Segment 1.2.3.4 Top Arab Country in Terms of Insurance Penetration 1.2.3.5 Non-Life Growth Supported Penetration Growth
1.2.4 Market Share
1.2.4.1 Highly Concentrated Insurance Industry 1.2.4.2 Life More Concentrated than Non-Life Segment
2. Industry Analysis
2.1 Industry Developments
Trend of Mergers & Acquisitions Emergence of Bancassurance Concept of Mandatory Insurance ACAL Starts ISO Certification Process Regulatory Amendments Lebanon Ranks Third in Export Credit Insurance
2.2 Market Drivers
Rising Healthcare Need and Demand for Medical Insurance Influence of Motor Insurance over the Insurance Sector Economic Growth Population Driving Insurance Demand
3. Country Analysis: Risk Assessment
3.1 Political Environment 3.2 Macro-Economic Indicators: Current and Projections
4. Industry Outlook: Forecast and Projections
4.1 Compulsory Insurance Laws, Significant Contribution to Growth 4.2 Numbers of Motor Vehicles and Pricing to Drive Growth in Non-Life Segment
List of Tables
Key Macroeconomic Indicators: (2007 – 2010F)
List of Charts
Annual Premium – Lebanon Insurance Industry: (1998-2008) Insurance Premium Share (%) by Segment (2008) Insurance Premium by Segment (2001-2008) Total Insurance Premium Share (%) by Segment (2008) Lebanon Insurance Density: (2001 – 2008) Lebanon Insurance Penetration: (2001 – 2008) Top Five Non-Life Insurers Market Share (Percentage) (2008) Top Five Life Insurers Market Share (Percentage) (2008) Healthcare Expenditures (2000-2008) Motor Insurance Premium (2001-2008) Lebanon GDP (At Current Market Prices) (2004-2008) Lebanon Population (2004-2008) Forecast: Lebanon Insurance Industry: (2008A – 2012F) Forecast: Lebanon Life & Non-Life Insurance Industry: (2008A – 2012F)
The Insurance industry is one of the fastest growing in India at Rs. 500 billion and it is estimated that the industry will reach the Rs 2000 billion mark by 2011 due to very low level of penetration till now (for life insurance it is 4.3% and for general insurance it is 0.6%). The insurance sector can be divided into two broad categories namely life insurance and general insurance.
1.1 Life Insurance
Besides the public sector behemoth LIC, which is the biggest life insurer in India, there are several private players in the life insurance market like Birla Sun Life, Allianz Bajaj, ICICI Prudential, ING Vysya, Tata AIG. Besides the traditional policies like whole life/ term policy, endowment and money back , the insurance companies are coming out with new products like mortgage life and unit link products to attract more customers. In case of whole life/ term policy, the policy money and the bonus is payable to the nominee only on the death of the policy holder within the policy duration (for term policy) or for whole life. But there is no survival benefit to the policy holder under this scheme. In case of endowment policy, the policy amount with bonus is payable to the nominee in case of death of the policy holder within the specified policy duration and in case the policy holder survives, he receives the money after the maturity period. Sometimes the endowment policy pays or waive off the premium in case of critical illness. A Money back policy is very much like an endowment policy with the difference that instead of one-time payment of survival benefit after the maturity period, payments for periodic survival benefits are made during the term of the policy. In case of a unit linked policy, the premium paid by the policy holder is divided into two parts: one part is used to provide for the life assurance cover, while the balance is used to buy units of a fund comprising of bonds / and equity. In case of maturity or surrender, the policy-holder will get the proceeds accordingly to the value of the unit at that time after some deductions (in case of surrender). The only public life insurance company LIC accounts for around 75% market share of the total life insurance market whereas the remaining 25% is distributed among the private players among which ICICI Prudential, SBI Life, HDFC Standard, Birla Sunlife are the major ones. As of 2009 there were 21 private players in the life insurance market.
1.2 General Insurance
India is the fifth largest general insurance market in India with an annual premium of USD 6.3 billion. There are 21 general insurance companies in the market (13 multiline private companies, 4 multiline public companies, 2 health private companies, 2 speciality public companies). The market is growing at a rate of around 20% CAGR. Motor insurance is the largest segment in this market contributing 44% of the general insurance premium followed by health insurance which contributes 20% of the premium. Fire (11%) and marine (6.5%) are two others important segments in the general insurance market. Mandatory third party insurance requirement is one of the major driving factors for the growth of motor insurance. Besides this, the insurance companies provide own damage insurance under motor insurance. Health insurance is the fastest growing area in the general insurance sector due to an aging population, increasing healthcare costs, increasing awareness and the health cover taken by companies for its employees.
2. Regulation
Insurance being a sensitive financial market, the Insurance Regulatory and Development Authority Act was passed in 1999 to set up the IRDA to monitor the insurance industry.
With the setting up of the authority, the Indian insurance market was thrown open to foreign direct investment through joint venture with an Indian company with a cap of 26% on the total equity. To ensure stability, transparency and financial strength, new entrants in the insurance business have to undergo rigorous scrutiny and their business conduct is also closely monitored.
According to IRDA regulations, in case of life insurance, at least 25% of the money has to be invested in government securities by the insurers, at least 50% money should be invested in government securities and other approved securities, at least 15% of the money needs to be invested on social and infrastructure sector while investment on un-approved securities cannot exceed 15%.
In case of general insurance, at least 30% of the money should be invested in general government securities, state government securities and other guaranteed securities, 10% of the money should be invested in infrastructure and social sector and the investment in un-approved securities cannot exceed 25%.
Besides, there is a requirement of minimum capital for an insurance company to ensure that they have enough funds to meet all claims. The minimum capital requirement for direct non-life insurance business and life insurance business is Rs 1 billion. A general insurer needs to maintain a solvency ratio (available solvency margin/ required solvency margin) of 1.5 times, based on net premium earned and net claims incurred in various segments.
This econometric study covers the latent demand outlook for private health insurance carriers across the states, union territories and cities of India. Latent demand (in millions of U.S. dollars), or potential industry earnings (P.I.E.) estimates are given across over 5,100 cities in India. For each city in question, the percent share the city is of it’s state or union territory and of India as a …
This econometric study covers the latent demand outlook for accident and health insurance and medical service plans across the states, union territories and cities of India. Latent demand (in millions of U.S. dollars), or potential industry earnings (P.I.E.) estimates are given across over 5,100 cities in India. For each city in question, the percent share the city is of it’s state or union territ…
This econometric study covers the latent demand outlook for accident and health insurance across the states, union territories and cities of India. Latent demand (in millions of U.S. dollars), or potential industry earnings (P.I.E.) estimates are given across over 5,100 cities in India. For each city in question, the percent share the city is of it’s state or union territory and of India as a whol…
How do I apply for a maryland health insurance license?
You will need to contact the Maryland Department of Insurance or visit their website to obtain application materials but the process is straightforward..
#1 Attend Pre-Licensing Education
#2 Successfully pass the State licensing examination for the line(s) of insurance you want.
#3 Complete the application with the appropriate fee
#4 Find a carrier to sell for
Note: Section 1033 of the federal Violent Crime Control Act prohibits insurers from hiring persons with a felony conviction unless a waiver is granted by the Department of Insurance. I’m just saying.
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