Life Insurance Industry @

1. Life Insurance in Poland, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Polish life insurance segment,
including:
The Polish 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 Polish life insurance segment
Detailed competitive landscape in the life insurance segment in Poland Detailed regulatory framework of the
Polish insurance industry A description of the life reinsurance segment in Poland Porter's Five Forces Analysis
of the life insurance segment
Executive summary
Poland is one of the fastest-growing economies in Central and Eastern Europe. The country’s life
insurance segment registered a decrease in written premiums at a compound annual growth rate (CAGR) of
-1.9% during the review period (2008–2012). This was primarily due to the global financial crisis in
2009 and the EU debt crisis in the following years. However, these events did not have a significant impact on
the overall segment as it recovered after the global financial crisis, supported by the country’s stable
economic development. Recovery was partly due to the growth of group insurance and unit-linked product
sales. Over the forecast period, the life insurance segment is expected to benefit from the product innovations
introduced by insurers, and changes in Poland’s social security and pension system which are likely to
generate business for life insurance and savings products.
Scope
This report provides a comprehensive analysis of the life insurance segment in Poland:
It provides historical values for the Polish life insurance segment for the report’s 2008–2012
review period and forecast figures for the 2012–2017 forecast period It offers a detailed analysis of the
key sub-segments in the Polish 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 Poland Using Porter’s industry-standard
“Five Forces” analysis, it details the competitive landscape in Poland for the life insurance
business It provides a detailed analysis of the reinsurance segment in Poland and its growth prospects It
profiles the top life insurance companies in Poland 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 Polish life
insurance segment and each category within it Understand the demand-side dynamics, key market trends and
growth opportunities within the Polish 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 Polish insurance industry and
its impact on companies and the market's future
Key highlights
Polish life insurance segment registered a decrease in written premiums at a compound annual growth rate
(CAGR) of -1.9% during the review period (2008–2012). This was primarily due to the global financial
Life Insurance in Poland, Key Trends and Opportunities to 2017

2. crisis in 2009 and the EU debt crisis in the following years The underdeveloped customer base provides
attractive business opportunities for domestic and foreign insurers operating in Poland Cost-effective
distribution channels to help product penetration The growing dependent population generating demand for
life insurance products The Polish life insurance segment is regulated by the Polish Financial Supervisory
Authority The Polish life insurance segment is highly concentrated, with the 10 leading life insurance
companies together accounting for 82.2% 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 Polish Insurance Industry Attractiveness
3.1 Insurance Industry Size, 2008–2017
3.2 Key Industry Trends And Drivers
4 Life Insurance Outlook
4.1 Life Insurance Growth Prospects By Category
4.1.1 Individual Life Insurance
4.1.2 Individual General Annuity Insurance
4.1.3 Individual Marriage And Birth Insurance
4.1.4 Individual Unit-linked Insurance
4.1.5 Individual Supplementary Insurance
4.1.6 Group Life Insurance
4.1.7 Group Superannuation Insurance
4.1.8 Group Unit-linked Insurance
4.2 Life Insurance Growth Prospects By Product Type
4.2.1 Individual Single-premium Policies
4.2.2 Individual Non-single-premium Policies
4.2.3 Group Single-premium Policies
4.2.4 Group Non-single-premium Policies
5 Analysis By Distribution Channel
5.1 Direct Marketing
Life Insurance in Poland, Key Trends and Opportunities to 2017

3. 5.2 Bancassurance
5.3 Agencies
5.4 E-commerce
5.5 Brokers
5.6 Other Channels
6 Porter’s Five Forces Analysis – Polish Life Insurance
6.1 Bargaining Power Of Supplier: Low To Medium
6.2 Bargaining Power Of Buyer: Low To Medium
6.3 Barriers To Entry: Low
6.4 Intensity Of Rivalry: Medium
6.5 Threat Of Substitutes: Low
7 Reinsurance Growth Dynamics And Challenges
7.1 Reinsurance Segment Size, 2008–2017
7.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
8 Regulatory Policies
9 Competitive Landscape And Strategic Insights
9.1 Overview
9.2 Leading Companies In The Polish Life Insurance Segment
9.3 Comparison Of The Top Five Insurers
9.3.1 Gross Written Premium
9.3.2 Net Earned Premiums
9.3.3 Gross Claims
9.3.4 Loss Ratio
9.4 Pzu Å»ycie Sa – Company Overview
9.4.1 Pzu Å»ycie Sa – Key Facts
9.4.2 Pzu Å»ycie Sa – Key Financials
9.5 Benefia Tu Na Å»ycie Sa Vienna Insurance Group – Company Overview
9.5.1 Benefia Tu Na Å»ycie Sa Vienna Insurance Group – Key Facts
9.5.2 Benefia Tu Na Å»ycie Sa Vienna Insurance Group – Key Financials
9.6 Open Life Tu Å»ycie Sa – Company Overview
9.6.1 Open Life Tu Å»ycie Sa – Key Facts
9.6.2 Open Life Tu Å»ycie Sa – Key Financials
9.7 Tunż Warta Sa – Company Overview
9.7.1 Tunż Warta Sa – Key Facts
9.7.2 Tunż Warta Sa – Key Financials
Life Insurance in Poland, Key Trends and Opportunities to 2017

4. 9.8 Tu Na Å»ycie Europa Sa – Company Overview
9.8.1 Tu Na Å»ycie Europa Sa – Key Facts
9.8.2 Tu Na Å»ycie Europa Sa– Key Financials
9.9 Aviva Tunż Sa – Company Overview
9.9.1 Aviva Tunż Sa – Key Facts
9.9.2 Aviva Tunż Sa – Key Financials
9.10 Ing Tunż Sa – Company Overview
9.10.1 Ing Tunż Sa – Key Facts
9.10.2 Ing Tunż Sa – Key Financials
9.11 Tu Allianz Å»ycie Polska Sa – Company Overview
9.11.1 Tu Allianz Å»ycie Polska Sa – Key Facts
9.11.2 Tu Allianz Å»ycie Polska Sa – Key Financials
9.12 Amplico Life Sa – Company Overview
9.12.1 Amplico Life Sa – Key Facts
9.12.2 Amplico Life Sa – Key Financials
9.13 Nordea Polska Tu Na Å»ycie Sa – Company Overview
9.13.1 Nordea Polska Tu Na Å»ycie Sa – Key Facts
9.13.2 Nordea Polska Tu Na Å»ycie Sa – Key Financials
10 Business Environment And Country Risk
10.1 Business Confidence
10.1.1 Market Capitalization Trend – Warsaw Stock Exchange, Poland
10.2 Economic Performance
10.2.1 Gdp At Constant Prices (us$)
10.2.2 Gdp Per Capita At Constant Prices (us$)
10.2.3 Gdp At Current Prices (us$)
10.2.4 Gdp Per Capita At Current Prices (us$)
10.2.5 Gdp By Key Segments
10.2.6 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us$)
10.2.7 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices As A Percentage Of Gdp
10.2.8 Manufacturing Net Output At Current Prices (us$)
10.2.9 Manufacturing Net Output At Current Prices As A Percentage Of Gdp
10.2.10 Mining, Manufacturing And Utilities At Current Prices (us$)
10.2.11 Mining, Manufacturing And Utilities At Current Prices, As Percentage Of Gdp
10.2.12 Construction Net Output At Current Prices, (us$)
10.2.13 Construction Net Output At Current Prices As A Percentage Of Gdp
10.2.14 Inflation Rate
10.2.15 Exports As A Percentage Of Gdp
10.2.16 Imports As A Percentage Of Gdp
10.2.17 Exports Growth
10.2.18 Imports Growth
10.2.19 Annual Average Exchange Rate Pln–us$
Life Insurance in Poland, Key Trends and Opportunities to 2017

5. 10.3 Infrastructure
10.3.1 Commercial Vehicles Exports – Total Value
10.3.2 Commercial Vehicles Imports – Total Value
10.3.3 Automotive Exports – Total Value
10.3.4 Automotive Imports – Total Value
10.3.5 Total Internet Subscribers
10.4 Labor Force
10.4.1 Labor Force
10.4.2 Unemployment Rate
10.5 Demographics
10.5.1 Gross National Disposable Income (us$)
10.5.2 Household Consumption Expenditure (us$)
10.5.3 Total Population
10.5.4 Urban And Rural Population
10.5.5 Age Distribution Of The Total Population
11 Appendix
11.1 Methodology
11.2 Contact Timetric
11.3 About Timetric
11.4 Timetric’s Services
11.5 Disclaimer
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Life Insurance in Poland, Key Trends and Opportunities to 2017