Life Insurance in Uruguay, Key Trends and Opportunities to 2018
Table of Contents
1 Key Facts and Events
2 Executive Summary
3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology
4 Uruguayan Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009-2018
5 Life Insurance Outlook
5.1 Consumer Segmentation
5.2 Key Drivers
5.3 Key Trends
5.4 Challenges
5.5 Life Insurance Growth Prospects by Category
5.6 Individual Life Insurance
5.6.1 Individual whole life insurance
5.6.2 Individual pension insurance
5.7 Life Insurance Growth Prospects by Customer Segment
5.7.1 Individual single-premium insurance
5.7.2 Individual non-single-premium insurance
5.8 Life Insurance Growth Prospects by Product Type
5.8.1 Total non-linked insurance business
6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-Commerce
6.5 Brokers
6.6 Other Channels
7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Legislation and Market Practice by Type of Insurance
7.2.1 Life insurance
7.2.2 Property insurance
7.2.3 Motor insurance
7.2.4 Marine, aviation and transit insurance
7.2.5 Personal accident and health insurance
7.3 Compulsory Insurance
7.3.1 Motor third-party liability (MTPL) insurance
7.3.2 Worker's compensation insurance
7.3.3 Aviation liability insurance
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors (IAIS)
7.4.2 Superintendence of Insurance and Reinsurance
7.5 Non-Admitted Insurance Regulations
7.5.1 Overview
7.5.2 Intermediaries
7.5.3 Market practices
7.5.4 Fines and penalties
7.6 Company Registration and Operations
7.6.1 Types of insurance organization
7.6.2 Establishing a local company
7.6.3 Foreign ownership
7.6.4 Types of license
7.6.5 Capital requirements
7.6.6 Solvency margins
7.6.7 Reserve requirements
7.6.8 Investment regulations
7.6.9 Statutory return requirements
7.6.10 Fee structure
7.7 Taxation
7.7.1 Insurance premium or policy taxation
7.7.2 Withholding taxes on premium paid overseas
7.7.3 Corporate tax
7.7.4 VAT
7.7.5 Captives
7.8 Legal System
7.8.1 Introduction
7.8.2 Access to court
7.8.3 Alternative dispute resolution (ADR)
8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Uruguayan Life Insurance Segment
8.3 Comparison of the Top Five Insurers
8.3.1 Gross written premium
8.3.2 Gross claims
8.3.3 Combined ratio
8.4 Leading Life Insurers - Product Portfolio
8.5 Leasing Life Insurers - Key Developments
8.6 Banco de Seguros del Estado - Company Overview
8.6.1 Banco de Seguros del Estado - key facts
8.6.2 Banco de Seguros del Estado - key financials
8.7 MetLife Seguros SA - Company Overview
8.7.1 MetLife Seguros SA - key facts
8.7.2 MetLife Seguros SA - key financials
8.8 Mapfre La Uruguaya SA - Company Overview
8.8.1 Mapfre La Uruguaya SA - key facts
8.8.2 Mapfre La Uruguaya SA - key financials
8.9 Compañia Cooperativa de Seguros Surco - Company Overview
8.9.1 Compañia Cooperativa de Seguros Surco - key facts
8.9.2 Compañia Cooperativa de Seguros Surco - key financials
8.1 Zurich Santander Seguros Uruguay SA - Company Overview
8.10.1 Zurich Santander Seguros Uruguay SA - key facts
8.10.2 Zurich Santander Seguros Uruguay SA - key financials
8.11 Sancor Seguros SA - Company Overview
8.11.1 Sancor Seguros SA - key facts
8.11.2 Sancor Seguros SA - key financials
8.12 Royal & Sun Alliance Seguros (Uruguay) SA - Company Overview
8.12.1 Royal & Sun Alliance Seguros (Uruguay) SA - key facts
8.12.2 Royal & Sun Alliance Seguros (Uruguay) SA - key financials
8.13 HDI Seguros SA - Company Overview
8.13.1 HDI Seguros SA - key facts
8.13.2 HDI Seguros SA - key financials
8.14 Porto Seguro - Seguros del Uruguay SA - Company Overview
8.14.1 Porto Seguro - Seguros del Uruguay SA - key facts
9 Appendix - 1
9.1 Economic Performance
9.1.1 GDP at constant prices (US$)
9.1.2 GDP per capita at constant prices (US$)
9.1.3 GDP at current prices (US$)
9.1.4 GDP per capita at current prices (US$)
9.1.5 Inflation rate
9.1.6 Annual average exchange rate UYU-US$
9.2 Infrastructure
9.2.1 Commercial vehicle exports - total value
9.2.2 Commercial vehicle imports - total value
9.2.3 Automotive exports - total value
9.2.4 Automotive imports - total value
9.2.5 Total internet subscribers
9.3 Labor Force
9.3.1 Unemployment rate
9.4 Demographics
9.4.1 Total population
9.4.2 Urban and rural populations
9.4.3 Age distribution of the total population
9.4.4 Life expectancy
10 Appendix - 2
10.1 Methodology
10.2 Contact Timetric
10.3 About Timetric
10.4 Timetric's Services
10.5 Disclaimer
List of Tables
Table 1: Uruguayan Life Insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Uruguayan Insurance Industry - Gross Written Premium by Segment (UYU Billion), 2009-2013
Table 4: Uruguayan Insurance Industry - Gross Written Premium by Segment (US$ Billion), 2009-2013
Table 5: Uruguayan Insurance Industry - Gross Written Premium by Segment (UYU Billion), 2013-2018
Table 6: Uruguayan Insurance Industry - Gross Written Premium by Segment (US$ Billion), 2013-2018
Table 7: Uruguayan Insurance Industry - Gross Written Premium by Segment (Percentage Share), 2009-2018
Table 8: Uruguayan Insurance Industry - Direct Written Premium by Segment (UYU Billion), 2009-2013
Table 9: Uruguayan Insurance Industry - Direct Written Premium by Segment (US$ Billion), 2009-2013
Table 10: Uruguayan Insurance Industry - Direct Written Premium by Segment (UYU Billion), 2013-2018
Table 11: Uruguayan Insurance Industry - Direct Written Premium by Segment (US$ Billion), 2013-2018
Table 12: Uruguayan Insurance Industry - Direct Written Premium by Segment (Percentage Share), 2009-2018
Table 13: Uruguayan Life Insurance - Gross Written Premium by Category (UYU Billion), 2009-2013
Table 14: Uruguayan Life Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 15: Uruguayan Life Insurance - Gross Written Premium by Category (UYU Billion), 2013-2018
Table 16: Uruguayan Life Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 17: Uruguayan Life Insurance - New Business Written Premium (UYU Billion), 2009-2013
Table 18: Uruguayan Life Insurance - New Business Written Premium (UYU Billion), 2013-2018
Table 19: Uruguayan Life Insurance - Earned Premium (UYU Billion), 2009-2013
Table 20: Uruguayan Life Insurance - Earned Premium (UYU Billion), 2013-2018
Table 21: Uruguayan Life Insurance - Sum Assured (UYU Billion), 2009-2013
Table 22: Uruguayan Life Insurance - Sum Assured (UYU Billion), 2013-2018
Table 23: Uruguayan Life Insurance - Paid Claims (UYU Billion), 2009-2013
Table 24: Uruguayan Life Insurance - Paid Claims (UYU Billion), 2013-2018
Table 25: Uruguayan Life Insurance - Incurred Loss (UYU Billion), 2009-2013
Table 26: Uruguayan Life Insurance - Incurred Loss (UYU Billion), 2013-2018
Table 27: Uruguayan Life Insurance - Loss Ratio (%), 2009-2013
Table 28: Uruguayan Life Insurance - Loss Ratio (%), 2013-2018
Table 29: Uruguayan Life Insurance - Commissions and Expenses (UYU Billion), 2009-2013
Table 30: Uruguayan Life Insurance - Commissions and Expenses (UYU Billion), 2013-2018
Table 31: Uruguayan Life Insurance - Combined Ratio (%), 2009-2013
Table 32: Uruguayan Life Insurance - Combined Ratio (%), 2013-2018
Table 33: Uruguayan Life Insurance - Frauds and Crimes (UYU Million), 2009-2013
Table 34: Uruguayan Life Insurance - Frauds and Crimes (UYU Million), 2013-2018
Table 35: Uruguayan Life Insurance - Total Assets (UYU Billion), 2009-2013
Table 36: Uruguayan Life Insurance - Total Assets (UYU Billion), 2013-2018
Table 37: Uruguayan Life Insurance - Total Investment Income (UYU Billion), 2009-2013
Table 38: Uruguayan Life Insurance - Total Investment Income (UYU Billion), 2013-2018
Table 39: Uruguayan Life Insurance - Retentions (UYU Billion), 2009-2013
Table 40: Uruguayan Life Insurance - Retentions (UYU Billion), 2013-2018
Table 41: Uruguayan Individual Life Insurance - Gross Written Premium by Category (UYU Billion), 2009-2013
Table 42: Uruguayan Individual Life Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 43: Uruguayan Individual Life Insurance - Gross Written Premium by Category (UYU Billion), 2013-2018
Table 44: Uruguayan Individual Life Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 45: Uruguayan Individual Life Insurance - Direct Written Premium by Category (UYU Billion), 2009-2013
Table 46: Uruguayan Individual Life Insurance - Direct Written Premium by Category (US$ Billion), 2009-2013
Table 47: Uruguayan Individual Life Insurance - Direct Written Premium by Category (UYU Billion), 2013-2018
Table 48: Uruguayan Individual Life Insurance - Direct Written Premium by Category (US$ Billion), 2013-2018
Table 49: Uruguayan Individual Life Insurance - Policies by Category (Thousand), 2009-2013
Table 50: Uruguayan Individual Life Insurance - Policies by Category (Thousand), 2013-2018
Table 51: Uruguayan Individual Whole Life Insurance - Number of Active Policies (Thousand), 2009-2013
Table 52: Uruguayan Individual Whole Life Insurance - Number of Active Policies (Thousand), 2013-2018
Table 53: Uruguayan Individual Whole Life Insurance - Gross Written Premium (UYU Billion), 2009-2013
Table 54: Uruguayan Individual Whole Life Insurance - Gross Written Premium (UYU Billion), 2013-2018
Table 55: Uruguayan Individual Pension Insurance - Number of Active Policies (Thousand), 2009-2013
Table 56: Uruguayan Individual Pension Insurance - Number of Active Policies (Thousand), 2013-2018
Table 57: Uruguayan Individual Pension Insurance - Gross Written Premium (UYU Billion), 2009-2013
Table 58: Uruguayan Individual Pension Insurance - Gross Written Premium (UYU Billion), 2013-2018
Table 59: Uruguayan Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 60: Uruguayan Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 61: Uruguayan Individual Single-Premium Insurance - Gross Written Premium (UYU Billion), 2009-2013
Table 62: Uruguayan Individual Single-Premium Insurance - Gross Written Premium (UYU Billion), 2013-2018
Table 63: Uruguayan Individual Single-Premium Insurance - Direct Written Premium (UYU Billion), 2009-2013
Table 64: Uruguayan Individual Single-Premium Insurance - Direct Written Premium (UYU Billion), 2013-2018
Table 65: Uruguayan Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 66: Uruguayan Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 67: Uruguayan Individual Non-Single-Premium Insurance - Gross Written Premium (UYU Billion), 2009-2013
Table 68: Uruguayan Individual Non-Single-Premium Insurance - Gross Written Premium (UYU Billion), 2013-2018
Table 69: Uruguayan Individual Non-Single-Premium Insurance - Direct Written Premium (UYU Billion), 2009-2013
Table 70: Uruguayan Individual Non-Single-Premium Insurance - Direct Written Premium (UYU Billion), 2013-2018
Table 71: Uruguayan Non-Linked Insurance Business - Number of Active Policies (Million), 2009-2013
Table 72: Uruguayan Non-Linked Insurance Business - Number of Active Policies (Million), 2013-2018
Table 73: Uruguayan Non-Linked Insurance Business - Gross Written Premium (UYU Billion), 2009-2013
Table 74: Uruguayan Non-Linked Insurance Business - Gross Written Premium (UYU Billion), 2013-2018
Table 75: Uruguayan Non-Linked Insurance Business - Direct Written Premium (UYU Billion), 2009-2013
Table 76: Uruguayan Non-Linked Insurance Business - Direct Written Premium (UYU Billion), 2013-2018
Table 77: Uruguayan Life Insurance - Direct Marketing Commission Paid (UYU Million), 2009-2013
Table 78: Uruguayan Life Insurance - Direct Marketing Commission Paid (UYU Million), 2013-2018
Table 79: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Table 80: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2013-2018
Table 81: Uruguayan Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2009-2013
Table 82: Uruguayan Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2013-2018
Table 83: Uruguayan Life Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 84: Uruguayan Life Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 85: Uruguayan Life Insurance - Bancassurance Commission Paid (UYU Million), 2009-2013
Table 86: Uruguayan Life Insurance - Bancassurance Commission Paid (UYU Million), 2013-2018
Table 87: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Table 88: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2013-2018
Table 89: Uruguayan Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2009-2013
Table 90: Uruguayan Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2013-2018
Table 91: Uruguayan Life Insurance - Number of Bancassurance Distributors, 2009-2013
Table 92: Uruguayan Life Insurance - Number of Bancassurance Distributors, 2013-2018
Table 93: Uruguayan Life Insurance - Commission Paid to Agencies (UYU Million), 2009-2013
Table 94: Uruguayan Life Insurance - Commission Paid to Agencies (UYU Million), 2013-2018
Table 95: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Billion), 2009-2013
Table 96: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Billion), 2013-2018
Table 97: Uruguayan Life Insurance - New Policies Sold Through Agencies (Thousand), 2009-2013
Table 98: Uruguayan Life Insurance - New Policies Sold Through Agencies (Thousand), 2013-2018
Table 99: Uruguayan Life Insurance - Number of Agencies, 2009-2013
Table 100: Uruguayan Life Insurance - Number of Agencies, 2013-2018
Table 101: Uruguayan Life Insurance - E-Commerce Commission Paid (UYU Million), 2009-2013
Table 102: Uruguayan Life Insurance - E-Commerce Commission Paid (UYU Million), 2013-2018
Table 103: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Table 104: Uruguayan Life Insurance - Gross Written Premium New Business (UYU Million), 2013-2018
Table 105: Uruguayan Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2009-2013
Table 106: Uruguayan Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2013-2018
Table 107: Uruguayan Life Insurance - Number of E-Commerce Distributors, 2009-2013
Table 108: Uruguayan Life Insurance - Number of E-Commerce Distributors, 2013-2018
Table 109: Uruguayan Life Insurance - Commission Paid to Brokers (UYU Million), 2009-2013
Table 110: Uruguayan Life Insurance - Commission Paid to Brokers (UYU Million), 2013-2018
Table 111: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Table 112: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2013-2018
Table 113: Uruguayan Life Insurance - New Policies Sold Through Brokers (Thousand), 2009-2013
Table 114: Uruguayan Life Insurance - New Policies Sold Through Brokers (Thousand), 2013-2018
Table 115: Uruguayan Life Insurance - Number of Brokers, 2009-2013
Table 116: Uruguayan Life Insurance - Number of Brokers, 2013-2018
Table 117: Uruguayan Life Insurance - Commission Paid to Other Channels (UYU Million), 2009-2013
Table 118: Uruguayan Life Insurance - Commission Paid to Other Channels (UYU Million), 2013-2018
Table 119: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Table 120: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2013-2018
Table 121: Uruguayan Life Insurance - New Policies Sold Through Other Channels (Thousand), 2009-2013
Table 122: Uruguayan Life Insurance - New Policies Sold Through Other Channels (Thousand), 2013-2018
Table 123: Uruguayan Life Insurance - Number of Distributors in Other Channels, 2009-2013
Table 124: Uruguayan Life Insurance - Number of Distributors in Other Channels, 2013-2018
Table 125: Uruguay - Life Insurance Regulatory Framework
Table 126: Uruguay - Property Insurance Regulatory Framework
Table 127: Uruguay - Motor Insurance Regulatory Framework
Table 128: Uruguay ? Insurance Premium Tax Rates
Table 129: Uruguay - Corporate Taxes for the Financial Year 2014
Table 130: Shares of Key Insurers in the Uruguayan Life Insurance Segment (%), 2013
Table 131: Banco de Seguros del Estado, Key Facts
Table 132: Banco de Seguros del Estado, Key Financials (UYU Million), 2009-2013
Table 133: MetLife Seguros SA, Key Facts
Table 134: MetLife Seguros SA, Key Financials (UYU Million), 2009-2013
Table 135: Mapfre La Uruguaya SA, Key Facts
Table 136: Mapfre La Uruguaya SA, Key Financials (UYU Million), 2009-2013
Table 137: Compañia Cooperativa de Seguros Surco, Key Facts
Table 138: Compañia Cooperativa de Seguros Surco, Key Financials (UYU Million), 2009-2013
Table 139: Zurich Santander Seguros Uruguay SA, Key Facts
Table 140: Zurich Santander Seguros Uruguay SA, Key Financials (UYU Million), 2009-2013
Table 141: Sancor Seguros SA, Key Facts
Table 142: Sancor Seguros SA, Key Financials (UYU Million), 2009-2013
Table 143: Royal & Sun Alliance Seguros (Uruguay) SA, Key Facts
Table 144: Royal & Sun Alliance Seguros (Uruguay) SA, Key Financials (UYU Million), 2009-2013
Table 145: HDI Seguros SA, Key Facts
Table 146: HDI Seguros SA, Key Financials (UYU Million), 2009-2013
Table 147: Porto Seguro - Seguros del Uruguay SA, Key Facts
List of Figures
Figure 1: Uruguayan Insurance Industry - Gross Written Premium by Segment (UYU Billion), 2009-2018
Figure 2: Uruguayan Insurance Industry - Gross Written Premium Dynamics by Segment, (2009-2018)
Figure 3: Uruguayan Insurance Industry - Direct Written Premium by Segment (UYU Billion), 2009-2018
Figure 4: Uruguayan Insurance Industry - Direct Written Premium Dynamics by Segment (2009-2018)
Figure 5: Uruguayan Rural and Urban Populations (%), 20012-2013
Figure 6: Uruguayan Population Distribution by Age Group (%), 2009-2013
Figure 7: Uruguayan Life Insurance - Gross Written Premium by Category (UYU Billion), 2009-2018
Figure 8: Uruguayan Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 9: Uruguayan Life Insurance - Gross Written Premium Dynamics by Segment (2009-2018)
Figure 10: Uruguayan Life Insurance - New Business Written Premium (UYU Billion), 2009-2013
Figure 11: Uruguayan Life Insurance - New Business Written Premium (UYU Billion), 2013-2018
Figure 12: Uruguayan Life Insurance - Earned Premium (UYU Billion), 2009-2013
Figure 13: Uruguayan Life Insurance - Earned Premium (UYU Billion), 2013-2018
Figure 14: Uruguayan Life Insurance - Sum Assured (UYU Billion), 2009-2013
Figure 15: Uruguayan Life Insurance - Sum Assured (UYU Billion), 2013-2018
Figure 16: Uruguayan Life Insurance - Paid Claims (UYU Billion), 2009-2013
Figure 17: Uruguayan Life Insurance - Paid Claims (UYU Billion), 2013-2018
Figure 18: Uruguayan Life Insurance - Incurred Loss (UYU Billion), 2009-2013
Figure 19: Uruguayan Life Insurance - Incurred Loss (UYU Billion), 2013-2018
Figure 20: Uruguayan Life Insurance - Loss Ratio (%), 2009-2013
Figure 21: Uruguayan Life Insurance - Loss Ratio (%), 2013-2018
Figure 22: Uruguayan Life Insurance - Commissions and Expenses (UYU Billion), 2009-2013
Figure 23: Uruguayan Life Insurance - Commissions and Expenses (UYU Billion), 2013-2018
Figure 24: Uruguayan Life Insurance - Combined Ratio (%), 2009-2013
Figure 25: Uruguayan Life Insurance - Combined Ratio (%), 2013-2018
Figure 26: Uruguayan Life Insurance - Frauds and Crimes (UYU Million), 2009-2013
Figure 27: Uruguayan Life Insurance - Frauds and Crimes (UYU Million), 2013-2018
Figure 28: Uruguayan Life Insurance - Total Assets (UYU Billion), 2009-2013
Figure 29: Uruguayan Life Insurance - Total Assets (UYU Billion), 2013-2018
Figure 30: Uruguayan Life Insurance - Total Investment Income (UYU Billion), 2009-2013
Figure 31: Uruguayan Life Insurance - Total Investment Income (UYU Billion), 2013-2018
Figure 32: Uruguayan Life Insurance - Retentions (UYU Billion), 2009-2013
Figure 33: Uruguayan Life Insurance - Retentions (UYU Billion), 2013-2018
Figure 34: Uruguayan Life Insurance - Investment Portfolio (UYU Billion), 2009-2013
Figure 35: Uruguayan Life Insurance - Investment Portfolio, 2002018and 2013
Figure 36: Uruguayan Life Insurance - Penetration (%), 2009-2013
Figure 37: Uruguayan Life Insurance - Density (Number of Policies per Capita), 2009-2013
Figure 38: Uruguayan Life Insurance - Number of Active Policies (Million), 2009-2013
Figure 39: Uruguayan Life Insurance - Number of Active Policies (Million), 2013-2018
Figure 40: Uruguayan Life Insurance - Number of New Policies Sold (Thousand), 2009-2013
Figure 41: Uruguayan Life Insurance - Number of New Policies Sold (Thousand), 2013-2018
Figure 42: Uruguayan Life Insurance - Premium Per Capita (UYU), 2009-2013
Figure 43: Uruguayan Individual Life Insurance - Gross Written Premium by Category (UYU Billion), 2009-2018
Figure 44: Uruguayan Individual Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 45: Uruguayan Individual Life Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 46: Uruguayan Individual Life Insurance - Direct Written Premium by Category (UYU Billion), 2009-2018
Figure 47: Uruguayan Individual Life Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 48: Uruguayan Individual Life Insurance - Direct Written Premium Dynamics by Category, 2009-2018
Figure 49: Uruguayan Individual Life Insurance - Policies by Category (Million), 2009-2018
Figure 50: Uruguayan Individual Life Insurance - Policies by Category (Percentage Share), 2013 and 2018
Figure 51: Uruguayan Individual Life Insurance - Policies Dynamics by Category, 2009-2018
Figure 52: Uruguayan Individual Whole Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 53: Uruguayan Individual Whole Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 54: Uruguayan Individual Whole Life Insurance - Gross Written Premium (UYU Billion), 2009-2013
Figure 55: Uruguayan Individual Whole Life Insurance - Gross Written Premium (UYU Billion), 2013-2018
Figure 56: Uruguayan Individual Pension Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 57: Uruguayan Individual Pension Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 58: Uruguayan Individual Pension Insurance - Gross Written Premium (UYU Billion), 2009-2013
Figure 59: Uruguayan Individual Pension Insurance - Gross Written Premium (UYU Billion), 2013-2018
Figure 60: Uruguayan Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 61: Uruguayan Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 62: Uruguayan Individual Single-Premium Insurance - Gross Written Premium (UYU Billion), 2009-2013
Figure 63: Uruguayan Individual Single-Premium Insurance - Gross Written Premium (UYU Billion), 2013-2018
Figure 64: Uruguayan Individual Single-Premium Insurance - Direct Written Premium (UYU Billion), 2009-2013
Figure 65: Uruguayan Individual Single-Premium Insurance - Direct Written Premium (UYU Billion), 2013-2018
Figure 66: Uruguayan Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 67: Uruguayan Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 68: Uruguayan Individual Non-Single-Premium Insurance - Gross Written Premium (UYU Billion), 2009-2013
Figure 69: Uruguayan Individual Non-Single-Premium Insurance - Gross Written Premium (UYU Billion), 2013-2018
Figure 70: Uruguayan Individual Non-Single-Premium Insurance - Direct Written Premium (UYU Billion), 2009-2013
Figure 71: Uruguayan Individual Non-Single-Premium Insurance - Direct Written Premium (UYU Billion), 2013-2018
Figure 72: Uruguayan Non-Linked Insurance Business - Number of Active Policies (Million), 2009-2013
Figure 73: Uruguayan Non-Linked Insurance Business - Number of Active Policies (Million), 2013-2018
Figure 74: Uruguayan Non-Linked Insurance Business - Gross Written Premium (UYU Billion), 2009-2013
Figure 75: Uruguayan Non-Linked Insurance Business - Gross Written Premium (UYU Billion), 2013-2018
Figure 76: Uruguayan Non-Linked Insurance Business - Direct Written Premium (UYU Billion), 2009-2013
Figure 77: Uruguayan Non-Linked Insurance Business - Direct Written Premium (UYU Billion), 2013-2018
Figure 78: Uruguayan Life Insurance - New Business Gross Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 79: Uruguayan Life Insurance - Direct Marketing Commission Paid (UYU Million), 2009-2013
Figure 80: Uruguayan Life Insurance - Direct Marketing Commission Paid (UYU Million), 2013-2018
Figure 81: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Figure 82: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2013-2018
Figure 83: Uruguayan Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2009-2013
Figure 84: Uruguayan Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2013-2018
Figure 85: Uruguayan Life Insurance - Number of Direct Marketing Distributors, 2009-2013
Figure 86: Uruguayan Life Insurance - Number of Direct Marketing Distributors, 2013-2018
Figure 87: Uruguayan Life Insurance - Bancassurance Commission Paid (UYU Million), 2009-2013
Figure 88: Uruguayan Life Insurance - Bancassurance Commission Paid (UYU Million), 2013-2018
Figure 89: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Figure 90: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2013-2018
Figure 91: Uruguayan Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2009-2013
Figure 92: Uruguayan Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2013-2018
Figure 93: Uruguayan Life Insurance - Number of Bancassurance Distributors, 2009-2013
Figure 94: Uruguayan Life Insurance - Number of Bancassurance Distributors, 2013-2018
Figure 95: Uruguayan Life Insurance - Commission Paid to Agencies (UYU Million), 2009-2013
Figure 96: Uruguayan Life Insurance - Commission Paid to Agencies (UYU Million), 2013-2018
Figure 97: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Billion), 2009-2013
Figure 98: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Billion), 2013-2018
Figure 99: Uruguayan Life Insurance - New Policies Sold Through Agencies (Thousand), 2009-2013
Figure 100: Uruguayan Life Insurance - New Policies Sold Through Agencies (Thousand), 2013-2018
Figure 101: Uruguayan Life Insurance - Number of Agencies, 2009-2013
Figure 102: Uruguayan Life Insurance - Number of Agencies, 2013-2018
Figure 103: Uruguayan Life Insurance - E-Commerce Commission Paid (UYU Million), 2009-2013
Figure 104: Uruguayan Life Insurance - E-Commerce Commission Paid (UYU Million), 2013-2018
Figure 105: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Figure 106: Uruguayan Life Insurance - Gross Written Premium New Business (UYU Million), 2013-2018
Figure 107: Uruguayan Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2009-2013
Figure 108: Uruguayan Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2013-2018
Figure 109: Uruguayan Life Insurance - Number of E-Commerce Distributors, 2009-2013
Figure 110: Uruguayan Life Insurance - Number of E-Commerce Distributors, 2013-2018
Figure 111: Uruguayan Life Insurance - Commission Paid to Brokers (UYU Million), 2009-2013
Figure 112: Uruguayan Life Insurance - Commission Paid to Brokers (UYU Million), 2013-2018
Figure 113: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Figure 114: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2013-2018
Figure 115: Uruguayan Life Insurance - New Policies Sold Through Brokers (Thousand), 2009-2013
Figure 116: Uruguayan Life Insurance - New Policies Sold Through Brokers (Thousand), 2013-2018
Figure 117: Uruguayan Life Insurance - Number of Brokers, 2009-2013
Figure 118: Uruguayan Life Insurance - Number of Brokers, 2013-2018
Figure 119: Uruguayan Life Insurance - Commission Paid to Other Channels (UYU Million), 2009-2013
Figure 120: Uruguayan Life Insurance - Commission Paid to Other Channels (UYU Million), 2013-2018
Figure 121: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2009-2013
Figure 122: Uruguayan Life Insurance - New Business Gross Written Premium (UYU Million), 2013-2018
Figure 123: Uruguayan Life Insurance - New Policies Sold Through Other Channels (Thousand), 2009-2013
Figure 124: Uruguayan Life Insurance - New Policies Sold Through Other Channels (Thousand), 2013-2018
Figure 125: Uruguayan Life Insurance - Number of Distributors in Other Channels, 2009-2013
Figure 126: Uruguayan Life Insurance - Number of Distributors in Other Channels, 2013-2018
Figure 127: Uruguay - Insurance Regulatory Framework
Figure 128: Uruguay - Insurance Supervision and Control at Various Levels
Figure 129: Uruguay - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 130: Shares of Key Insurers in the Uruguayan Life Insurance Segment (%), 2013
Figure 131: Gross Written Premium - Top Five Uruguayan Life Insurers, 2013
Figure 132: Gross Claims - Top Five Uruguayan Life Insurers, 2013
Figure 133: Combined Ratio - Top Five Uruguayan Life Insurers, 2013
Figure 134: Uruguayan GDP at Constant Prices (US$ Billion), 2009-2013
Figure 135: Uruguayan GDP Per Capita at Constant Prices (US$), 2009-2013
Figure 136: Uruguayan GDP at Current Prices (US$ Billion), 2009-2013
Figure 137: Uruguayan GDP Per Capita at Current Prices (US$), 2009-2013
Figure 138: Uruguayan Inflation Rate (%), 2009-2013
Figure 139: Uruguayan Annual Average Exchange Rate US$-UYU, 2009-2013
Figure 140: Uruguayan Commercial Vehicle Exports - Total Value (US$ Million), 2009-2013
Figure 141: Uruguayan Commercial Vehicles Imports - Total Value (US$ Million), 2009-2013
Figure 142: Uruguayan Automotive Exports - Total Value (US$ Million), 2009-2013
Figure 143: Uruguayan Automotive Imports - Total Value (US$ Billion), 2009-2013
Figure 144: Uruguayan Internet Subscriptions (Millions), 2008-2012
Figure 145: Uruguayan Unemployment Rate (%), 2009-2013
Figure 146: Uruguayan Total Population (Million), 2009-2013
Figure 147: Uruguayan Urban and Rural Populations (%), 2009-2013
Figure 148: Uruguayan Population Distribution by Age (%), 2008-2012
Figure 149: Uruguayan Life Expectancy (Number of Years), 2009-2013