Market Research Report

Life Insurance in Poland, Key Trends and

Opportunities to 2018
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Synopsis:
In terms of GDP at current prices in 2013, Poland ranked eighth in the EU. The country's
GDP growth declined from 5.1% in 2008 to 1.8% in 2009 due to the global financial crisis.
While many countries in Europe region were badly affected by the crisis which led to
declines in their economies in 2009, Poland's economy grew by 1.8%.

The Polish insurance industry was the largest in the Central and Eastern European and
Baltic region. However, both the life and non-life insurance segments were dominated by
foreign companies. Life insurance was the largest segment in Poland in 2013, accounting for
53.3% of the industrys total value, while the non-life segment accounted for 41.1%.
Life insurance accounted for 66.5% of the total paid claims in 2013, while the non-life
segment accounted for 30.6%. Despite a decline in gross written premium in 2009, due to
the global financial crisis and a reduction in the demand for insurance and investment
products, the industry recovered following 2010. The industrys gross written premium
increased, at a review-period (2009-2013) compound annual growth rate (CAGR) of 3.0%.
This growth was supported by the personal accident and health insurance segment, which
registered the fastest CAGR of 8.9%.

Report Overview:
The report provides in-depth market analysis, information and insights into the Polish life
insurance segment, including:
The Polish life insurance segments growth prospects by life insurance category

Key trends and drivers for the life insurance segment

The various distribution channels in the Polish life insurance segment
The detailed competitive landscape in the life insurance segment in Poland
Detailed regulatory policies of the Polish insurance industry
Analysis of various consumer segments in Polish life insurance
Key developments in the Polish life insurance segment
New products launched by Polish life insurers

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 reports 2009-2013
review period, and projected figures for the 2013-2018 forecast period.
It offers a detailed analysis of the key categories in the Polish life insurance segment, along
with market forecasts until 2018.
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.
It profiles the top life insurance companies in Poland and outlines the key regulations
affecting them.

Key Highlights :
The Polish life segment is highly concentrated, with the 10-leading insurers accounting for
81.6% of the segments gross written premiums in 2013.

Life insurance was the largest segment in Poland in 2013, accounting for 53.3% of the
industrys total gross written premiums.
The penetration rate for Polish life insurance was 1.86% in 2013, significantly lower than the
UKs 8.68% and Frances 5.57%.

The segments leading distribution channels include bancassurance, direct marketing and
agencies, which together accounted for 92.3% of the gross written premium from new
business in 2013.
Although Poland joined the EU in 2004, it has not yet adopted the euro. Prior to joining
eurozone, the country made changes to its constitution which specified that only the National
Bank of Poland had the authority to issue currency.
The growth of life segment is largely dependent on the countrys employment rate. A fall in
employment may lead to a decline in the uptake of both group (taken by corporate houses)
and individual insurance.

Table of Contents:
1 Key Facts and Events
2 Executive Summary

3 Introduction
4 Polish Insurance Industry Attractiveness
5 Life Insurance Outlook

6 Analysis by Distribution Channel

7 Governance, Risk and Compliance
8 Competitive Landscape and Strategic Insights

9 Appendix - 1
10 Appendix - 2

Reason 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 in the
Polish life insurance segment.
Assess the competitive dynamics in the life insurance segment.
Identify the growth opportunities and market dynamics in key product categories.
Gain insights into key regulations governing the Polish insurance industry and their impact
on companies and the industry's future.

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