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36 ( 2017)
 1 -

( )

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( 2017) 37
 ()

2
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ALLIANZ HELLAS 31.309.726 26.697.901 17,27% 9,72% 8,35%
ALTIUS INSURANCE 12.051.326 13.980.386 -13,80% 3,74% 4,37%
ETHNIKI INSURANCE 7.044.722 7.406.167 -4,88% 2,19% 2,32%
EUROLIFE 82.450.764 83.538.862 -1,30% 25,60% 26,13%
HELLENIC ALICO 10.700.147 10.555.375 1,37% 3,32% 3,30%
CNP CYPRIALIFE 79.499.835 73.419.696 8,28% 24,69% 22,96%
METLIFE 21.807.936 22.701.675 -3,94% 6,77% 7,10%
MINERVA 571.856 652.675 -12,38% 0,18% 0,20%
PRIME INSURANCE 24.001.012 23.154.593 3,66% 7,45% 7,24%
UNIVERSAL LIFE 45.458.360 44.979.929 1,06% 14,12% 14,07%
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( 2017) 57
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( 2017) 59
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( 2017) 65
 (NE A )

| | FUTURE MOVING
LLOYDS | FORWARD
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66 ( 2017)
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( 2017) 67
 (NE A )

Interamerican brokers.

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68 ( 2017)
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( 2017) 69
 (NE A )

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70 ( 2017)
| LIMRA | - (/ MetLife).
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( 2017) 71
 (NE A )

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72 ( 2017)
 (NE A )

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74 ( 2017)
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76 ( 2017)
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( 2017) 77
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MINETTA AID & MINETTA AID PLUS

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78 ( 2017)
 (MDRT VIEWS)

personal brand
Kobus Kleyn*

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, Me Incorporated -
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* O Kobus Kleyn Certified Financial Planner / Kainos Financial Services.

Financial Planning Free State MDP & AEP UNISA Business School. -
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Replacement Committee MDRT, / MDRT PGA Annual Convention 2017 Task Force
Committee. Passion for the Profession-Mastering the 9Ps to Professionalism,
.
5

80 ( 2017)
 (BIB)

. -
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,
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: - -

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e-mail: forumbookstore@gmail.com

82 ( 2017)
 ( & )

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84 ( 2017)

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( 2017) 85
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86 ( 2017)
 (ENGLISH SUPPLEMENT)

Global insurance industry

set to grow more strongly
by 2018
The global insurance industry is likely to see slightly increased growth by 2018. Better
economic prospects in the USA and in many emerging markets will offset negative factors
such as declining growth in the Chinese market. In the longer term, the emerging markets of
Asia will have the greatest growth potential, and their share of primary insurance premiums
is expected to be on a par with that of Western Europe in the next few years.

O
verall, the international
primary insurance sector
will grow by 4.5% p.a. on
average (3.0% in real terms, i.e.
adjusted for inflation) in 2017 and
2018. Whilst premium income is
likely to grow only nominally this
year, slightly higher real growth of
3.0% is expected for 2018.
Premiums in the insurance sector
are therefore likely to evolve in line
with the global economy, which
should show real growth of 2.9% in
2017 and 3.1% in 2018. Projected
premium growth will thus be
slightly higher than that of 2016,
and significantly exceed the
average growth rate of almost 2%
for the past ten years.
According Michael Menhart, Chief
Economist at Munich Re: The
economies of many emerging
markets, such as Brazil, but even
Russia, are experiencing a
significant recovery. This is leading
to increased growth in property-
casualty insurance. In most of the
industrialised world in the
eurozone, the USA, and Japan
demand has been bolstered by a
solid economic environment. We
project that life insurance there will
see only marginal growth owing to
the low-interest-rate environment.
By contrast, demand in the
emerging markets will continue to
rise appreciably. Growth prospects
for insurers are therefore looking a
little brighter worldwide.

Global primary insurance premium growth (%)*

88 ( 2017)
 Somewhat weaker expansion
in property-casualty insurance
In property-casualty business,
premium volume will grow by an
average of 4.0% (almost 2.5% in real
terms) this year and next. Projected
inflation-adjusted growth will thus be
roughly half a percentage point below
global economic growth. The
emerging markets of Asia, and
increasingly also the MENA (Middle
East and North Africa) region, are
likely to exhibit the strongest growth
rates.
The established markets of Europe
and North Africa will naturally see a
much lower rate of expansion.
There are many different reasons for
the weaker pace of growth in property-
casualty insurance. The insurance
industry is now beginning to respond
to mounting pressure in a number of
industrialised countries. Companies
have been consistently developing
their business models; new products,
sales channels, and coverage
concepts have been cultivated for new
risks such as cyber attacks; and IT
Regional distribution of total primary insurance premiums in 2016 and 2025, in %
systems have been modernised. As a
result, new business opportunities are
gradually opening up in these
markets.
Stronger growth in life insurance
In life insurance, premium growth,
which is driven by growth markets in
Asia and Latin America, is expected to
increase by over 4.5% on average (a
good 3.0% in real terms) somewhat
more than economic growth. In the
Asian emerging markets, growth will
weaken following last years
extraordinary surge in premium
volume in China, but it will still be
significantly above 10% in real terms.
In Latin America, premiums in life
insurance are likely to grow by almost
8.5% (over 6.5% in real terms) this
year and next.
Prospects in the industrialised
countries continue to be clouded by
persistently low interest rates.
Premium growth here is likely to fall
short of economic growth. However,
strong premium expansion in the
emerging markets will almost fully
compensate for the moderate
development in the industrialised
countries.
Long-term outlook:
Increasing market share
of the emerging markets
Given their strong growth rates, the
emerging markets are gaining more
and more weight in the international
insurance industry: the emerging
markets share of the anticipated
additional premium volume is
expected to rise from 20% in 2016 to
47% by 2025.
Rising standards of living and
increasing insurance coverage needs
are two major contributory factors.
Interest rate increases and
demographic trends could revitalise
the life insurance segment in the
industrialised countries as well.
It is expected overall that, by 2025,
the market share of emerging markets
in Asia will at 21.4% draw close to
that of Western Europe (24.5%). North
America will remain clearly in the lead
at 27.8%
( 2017) 89
 (MANAGEMENT)

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90 ( 2017)
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92 ( 2017)
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94 ( 2017)
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