Synopsis
Guatemala is the most populous country in Central America, and its economy is mainly driven by the agricultural sector, which contributed 13.5% of GDP and employed 38% of the total labor force in 2013. The 1996 peace accords, which concluded 36 years of civil war, brought in economic stability and opened doors for foreign investors. The economy recovered in subsequent years, however, and GDP at constant prices grew at a compound annual growth rate (CAGR) of 3.4% during the review period (2009-2013). The Guatemalan insurance industry grew at a review-period CAGR of 10.0%. The emergence of micro insurance and the entry of foreign insurers, following the implementation of the Insurance Activity Law in 2010, supported the growth of the life segment. In terms of percentage share, non-life accounted for 56.7% of the total industry in 2013. The segment was led by property insurance with a 49.3% share, and motor with 38.6%, with the remaining 12.0% contributed by liability and marine, aviation and transit insurance.
Summary
The report provides in-depth industry analysis, information and insights into the insurance industry in Guatemala, including:
The Guatemalan insurance industry's growth prospects by insurance segment and category
The competitive landscape in the Guatemalan insurance industry
The current trends and drivers in the Guatemalan insurance industry
Challenges facing the Guatemalan insurance industry
The detailed regulatory framework of the Guatemalan insurance industry
Scope
This report provides a comprehensive analysis of the insurance industry in Guatemala:
It provides historical values for the Guatemalan insurance industry for the report's 2009-2013 review period, and projected figures for the 2013-2018 forecast period.
It offers a detailed analysis of the key segments and categories in the Guatemalan insurance industry, along with forecasts until 2018.
It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions.
It profiles the top insurance companies in Guatemala, and outlines the key regulations affecting them.
Reasons To Buy
Make strategic business decisions using in-depth historic and forecast industry data related to the Guatemalan insurance industry and each segment within it.
Understand the demand-side dynamics, key trends and growth opportunities in the Guatemalan insurance industry.
Assess the competitive dynamics in the Guatemalan insurance industry.
Identify the growth opportunities and market dynamics in key segments.
Gain insights into key regulations governing the Guatemalan insurance industry, and their impact on companies and the industry's future.
Key Highlights
Guatemala is the most populous country in Central America
The Guatemalan insurance industry is projected to grow at a forecast-period (2013-2018) CAGR of 9.5%
Growth in the real-estate market and the country's exposure to catastrophic risk supported the non-life segment's growth during the review period, resulting in an increase in written premium at a CAGR of 9.1%
Insurance penetration in Guatemala is low compared to other Central American countries
According to 2013 World Bank Statistics, Guatemala is the poorest country in Central America, with over 40% of the population living on an income of GTQ11.9 (US$1.5) per day in 2012
Guatemala has one of the highest crime rates in Central America, and has been rated critical' by the US Department of State
As of 2013, the Guatemalan insurance industry was served by 27 insurers
The Insurance Industry in Guatemala, Key Trends and Opportunities to 2018
Table of Contents
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Guatemalan Insurance Industry Overview
3.1 Guatemalan Insurance Industry
3.2 Key Industry Trends and Drivers
3.3 Challenges
4 Industry Segmentation
4.1 Life Insurance
4.2 Non-Life Insurance
4.2.1 Property insurance
4.2.2 Motor insurance
4.2.3 Liability insurance
4.2.4 Marine, aviation and transit insurance
4.3 Personal Accident and Health Insurance
4.3.1 Personal accident insurance
4.3.2 Health insurance
4.3.3 Travel insurance
4.4 Reinsurance
5 Governance, Risk and Compliance
5.1 Legislation Overview and Historical Evolution
5.2 Legislation and Market Practice by Type of Insurance
5.2.1 Life insurance
5.2.2 Property insurance
5.2.3 Motor insurance
5.2.4 Marine, aviation and transit insurance
5.2.5 Personal accident and health insurance
5.3 Compulsory Insurance
5.3.1 Social security insurance
5.3.2 Insurance for transportation of petroleum products
5.4 Supervision and Control
5.4.1 International Association of Insurance Supervisors (IAIS)
5.4.2 Association of Insurance Supervisors Latin America
5.4.3 Superintendency of Banks
5.5 Non-Admitted Insurance Regulations
5.5.1 Overview
5.5.2 Intermediaries
5.5.3 Market practices
5.5.4 Fines and penalties
5.6 Company Registration and Operations
5.6.1 Types of insurance organization
5.6.2 Establishing a local company
5.6.3 Foreign ownership
5.6.4 Types of license
5.6.5 Capital requirements
5.6.6 Solvency margins
5.6.7 Reserve requirements
5.6.8 Investment regulations
5.6.9 Statutory return requirements
5.6.10 Fee structure
5.7 Taxation
5.7.1 Insurance premium or policy taxation
5.7.2 Withholding taxes on premium paid overseas
5.7.3 Corporate tax
5.7.4 VAT
5.7.5 Captives
5.8 Legal System
5.8.1 Introduction
5.8.2 Access to court
5.8.3 Alternative dispute resolution (ADR)
6 Competitive Landscape
6.1 Overview
6.2 Leading Companies
6.2.1 Seguros El Roble, SA - company overview
6.2.2 Seguros G&T, SA - company overview
6.2.3 Aseguradora General, SA - company overview
6.2.4 Seguros Mapfre Guatemala, SA - company overview
6.2.5 Seguros Universales, SA - company overview
7 Macroeconomic Indicators
7.1 GDP at Constant Prices (US$)
7.2 GDP at Current Prices (US$)
7.3 GDP per Capita at Current Prices (US$)
7.4 Inflation
7.5 Total Life Expectancy
7.6 Total Internet Users
7.7 Total Labor Force
7.8 Urban and Rural Populations
7.9 Total Population
8 Appendix
8.1 Methodology
8.2 Contact Timetric
8.3 About Timetric
8.4 Timetric's Services
8.5 Disclaimer
List of Tables
Table 1: Insurance Industry Definitions
Table 2: Guatemalan Insurance - Gross Written Premium by Segment (GTQ Billion), 2009-2013
Table 3: Guatemalan Insurance - Gross Written Premium by Segment (US$ Million), 2009-2013
Table 4: Guatemalan Insurance - Gross Written Premium by Segment (GTQ Billion), 2013-2018
Table 5: Guatemalan Insurance - Gross Written Premium by Segment (US$ Million), 2013-2018
Table 6: Guatemalan Insurance - Segmentation by Gross Written Premium (% Share), 2009-2018
Table 7: Guatemalan Insurance - Direct Written Premium by Segment (GTQ Billion), 2009-2013
Table 8: Guatemalan Insurance - Direct Written Premium by Segment (US$ Million), 2009-2013
Table 9: Guatemalan Insurance - Direct Written Premium by Segment (GTQ Billion), 2013-2018
Table 10: Guatemalan Insurance - Direct Written Premium by Segment (US$ Million), 2013-2018
Table 11: Guatemalan Insurance - Segmentation by Direct Written Premium (% Share), 2009-2018
Table 12: Guatemalan Life Insurance - Gross Written Premium by Sub-Segment (GTQ Billion), 2009-2013
Table 13: Guatemalan Life Insurance - Gross Written Premium by Sub-Segment (US$ Million), 2009-2013
Table 14: Guatemalan Life Insurance - Gross Written Premium by Sub-Segment (GTQ Billion), 2013-2018
Table 15: Guatemalan Life Insurance - Gross Written Premium by Sub-Segment (US$ Million), 2013-2018
Table 16: Guatemalan Life Insurance Segmentation by Gross Written Premium (% Share), 2009-2018
Table 17: Guatemalan Life Insurance - Direct Written Premium by Sub-Segment (GTQ Billion), 2009-2013
Table 18: Guatemalan Life Insurance - Direct Written Premium by Sub-Segment (US$ Million), 2009-2013
Table 19: Guatemalan Life Insurance - Direct Written Premium by Sub-Segment (GTQ Billion), 2013-2018
Table 20: Guatemalan Life Insurance - Direct Written Premium by Sub-Segment (US$ Million), 2013-2018
Table 21: Guatemalan Life Insurance Segmentation by Direct Written Premium (% Share), 2009-2018
Table 22: Guatemalan Life Insurance - Paid Claims (GTQ Million), 2009-2013
Table 23: Guatemalan Life Insurance - Paid Claims (GTQ Million), 2013-2018
Table 24: Guatemalan Life Insurance - Incurred Loss (GTQ Million), 2009-2013
Table 25: Guatemalan Life Insurance - Incurred Loss (GTQ Million), 2013-2018
Table 26: Guatemalan Life Insurance - Loss Ratio (%), 2009-2013
Table 27: Guatemalan Life Insurance - Loss Ratio (%), 2013-2018
Table 28: Guatemalan Life Insurance - Combined Ratio (%), 2009-2013
Table 29: Guatemalan Life Insurance - Combined Ratio (%), 2013-2018
Table 30: Guatemalan Life Insurance - Total Assets (GTQ Billion), 2009-2013
Table 31: Guatemalan Life Insurance - Total Assets (GTQ Billion), 2013-2018
Table 32: Guatemalan Life Insurance - Total Investment Income (GTQ Million), 2009-2013
Table 33: Guatemalan Life Insurance - Total Investment Income (GTQ Million), 2013-2018
Table 34: Guatemalan Life Insurance - Retentions (GTQ Million), 2009-2013
Table 35: Guatemalan Life Insurance - Retentions (GTQ Billion), 2013-2018
Table 36: Guatemalan Non-Life Insurance - Gross Written Premium by Category (GTQ Billion), 2009-2013
Table 37: Guatemalan Non-Life Insurance - Gross Written Premium by Category (US$ Million), 2009-2013
Table 38: Guatemalan Non-Life Insurance - Gross Written Premium by Category (GTQ Billion), 2013-2018
Table 39: Guatemalan Non-Life Insurance - Gross Written Premium by Category (US$ Million), 2013-2018
Table 40: Guatemalan Non-Life Insurance - Direct Written Premium by Category (GTQ Billion), 2009-2013
Table 41: Guatemalan Non-Life Insurance - Direct Written Premium by Category (US$ Million), 2009-2013
Table 42: Guatemalan Non-Life Insurance - Direct Written Premium by Category (GTQ Billion), 2013-2018
Table 43: Guatemalan Non-Life Insurance - Direct Written Premium by Category (US$ Million), 2013-2018
Table 44: Guatemalan Non-Life Insurance - Paid Claims (GTQ Million), 2009-2013
Table 45: Guatemalan Non-Life Insurance - Paid Claims (GTQ Million), 2013-2018
Table 46: Guatemalan Non-Life Insurance - Incurred Loss (GTQ Million), 2009-2013
Table 47: Guatemalan Non-Life Insurance - Incurred Loss (GTQ Million), 2013-2018
Table 48: Guatemalan Non-Life Insurance - Loss Ratio (%), 2009-2013
Table 49: Guatemalan Non-Life Insurance - Loss Ratio (%), 2013-2018
Table 50: Guatemalan Non-Life Insurance - Combined Ratio (%), 2009-2013
Table 51: Guatemalan Non-Life Insurance - Combined Ratio (%), 2013-2018
Table 52: Guatemalan Non-Life Insurance - Total Assets (GTQ Billion), 2009-2013
Table 53: Guatemalan Non-Life Insurance - Total Assets (GTQ Billion), 2013-2018
Table 54: Guatemalan Non-Life Insurance - Total Investment Income (GTQ Million), 2009-2013
Table 55: Guatemalan Non-Life Insurance - Total Investment Income (GTQ Million), 2013-2018
Table 56: Guatemalan Non-Life Insurance - Retentions (GTQ Billion), 2009-2013
Table 57: Guatemalan Non-Life Insurance - Retentions (GTQ Billion), 2013-2018
Table 58: Guatemalan Non-Life Insurance - Total Investment Income (GTQ Billion), 2009-2013
Table 59: Guatemalan Property Insurance - Gross Written Premium (GTQ Billion), 2009-2013
Table 60: Guatemalan Property Insurance - Gross Written Premium (GTQ Billion), 2013-2018
Table 61: Guatemalan Motor Insurance - Gross Written Premium (GTQ Billion), 2009-2013
Table 62: Guatemalan Motor Insurance - Gross Written Premium (GTQ Billion), 2013-2018
Table 63: Guatemalan Liability Insurance - Gross Written Premium (GTQ Million), 2009-2013
Table 64: Guatemalan Liability Insurance - Gross Written Premium (GTQ Million), 2013-2018
Table 65: Guatemalan Marine, Aviation and Transit Insurance - Gross Written Premium (GTQ Million), 2009-2013
Table 66: Guatemalan Marine, Aviation and Transit Insurance - Gross Written Premium (GTQ Million), 2013-2018
Table 67: Guatemalan Personal Accident and Health Insurance - Gross Written Premium by Category (GTQ Million), 2009-2013
Table 68: Guatemalan Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2009-2013
Table 69: Guatemalan Personal Accident and Health Insurance - Gross Written Premium by Category (GTQ Million), 2013-2018
Table 70: Guatemalan Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2013-2018
Table 71: Guatemalan Personal Accident and Health Insurance - Direct Written Premium by Category (GTQ Million), 2009-2013
Table 72: Guatemalan Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2009-2013
Table 73: Guatemalan Personal Accident and Health Insurance - Direct Written Premium by Category (GTQ Million), 2013-2018
Table 74: Guatemalan Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2013-2018
Table 75: Guatemalan Personal Accident and Health Insurance - Paid Claim (GTQ Million), 2009-2013
Table 76: Guatemalan Personal Accident and Health Insurance - Paid Claim (GTQ Billion), 2013-2018
Table 77: Guatemalan Personal Accident and Health Insurance - Incurred Loss (GTQ Million), 2009-2013
Table 78: Guatemalan Personal Accident and Health Insurance - Incurred Loss (GTQ Billion), 2013-2018
Table 79: Guatemalan Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Table 80: Guatemalan Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Table 81: Guatemalan Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Table 82: Guatemalan Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Table 83: Guatemalan Personal Accident and Health Insurance - Total Assets (GTQ Billion), 2009-2013
Table 84: Guatemalan Personal Accident and Health Insurance - Total Assets (GTQ Billion), 2013-2018
Table 85: Guatemalan Personal Accident and Health Insurance - Total Investment Income (GTQ Million), 2009-2013
Table 86: Guatemalan Personal Accident and Health Insurance - Total Investment Income (GTQ Million), 2013-2018
Table 87: Guatemalan Personal Accident and Health Insurance - Retentions (GTQ Billion), 2009-2013
Table 88: Guatemalan Personal Accident and Health Insurance - Total Retentions (GTQ Billion), 2013-2018
Table 89: Guatemalan Personal Accident and Health Insurance - Total Investment (GTQ Billion), 2009-2013
Table 90: Guatemalan Personal Accident Insurance - Gross Written Premium (GTQ Million), 2009-2013
Table 91: Guatemalan Personal Accident Insurance - Gross Written Premium (GTQ Million), 2013-2018
Table 92: Guatemalan Health Insurance - Gross Written Premium (GTQ Billion), 2009-2013
Table 93: Guatemalan Health Insurance - Gross Written Premium (GTQ Billion), 2013-2018
Table 94: Guatemalan Travel Insurance - Gross Written Premium (GTQ Million), 2009-2013
Table 95: Guatemalan Travel Insurance - Gross Written Premium (GTQ Million), 2013-2018
Table 96: Guatemalan Reinsurance - Ceded by Insurance Segment (GTQ Billion), 2009-2013
Table 97: Guatemalan Reinsurance - Ceded by Insurance Segment (US$ Million), 2009-2013
Table 98: Guatemalan Reinsurance - Ceded by Insurance Segment (GTQ Billion), 2013-2018
Table 99: Guatemalan Reinsurance - Ceded by Insurance Segment (US$ Million), 2013-2018
Table 100: Guatemalan Life Insurance - Percentage of Reinsurance Ceded (%), 2009-2013
Table 101: Guatemalan Life Insurance - Percentage of Reinsurance Ceded (%),2013-2018
Table 102: Guatemalan Non-Life Insurance - Percentage of Reinsurance Ceded (%), 2009-2013
Table 103: Guatemalan Non-Life Insurance - Percentage of Reinsurance Ceded (%), 2013-2018
Table 104: Guatemalan Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2009-2013
Table 105: Guatemalan Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2013-2018
Table 106: Guatemala - Life Insurance Regulatory Framework
Table 107: Guatemala - Property Insurance Regulatory Framework
Table 108: Guatemala - Motor Insurance Regulatory Framework
Table 109: Guatemala - Capital Requirements for Insurers
Table 110: Guatemala - Corporation Tax Rates for the Financial Year 2013
Table 111: Guatemalan Insurance - Industry Shares, 2012 and 2013
Table 112: Seguros El Roble, SA, Main Products
Table 113: Seguros El Roble, SA, Key Employees
Table 114: Seguros G&T, SA, Main Products
Table 115: Aseguradora General, SA, Main Products
Table 116: Aseguradora General, SA, Key Employees
Table 117: Seguros Mapfre Guatemala, SA, Main Products
Table 118: Seguros Universales, SA, Main Products
Table 119: Seguros Universales, SA, Key Employees
List of Figures
Figure 1: Guatemalan Insurance - Gross Written Premium by Segment (GTQ Billion), 2009-2018
Figure 2: Guatemalan Insurance - Gross Written Premium Dynamics by Segment, 2009-2018
Figure 3: Guatemalan Insurance - Direct Written Premium by Segment (GTQ Billion), 2009-2018
Figure 4: Guatemalan Insurance - Direct Written Premium Dynamics by Segment, 2009-2018
Figure 5: Guatemalan Life Insurance - Gross Written Premium by Sub-Segment (GTQ Billion), 2009-2018
Figure 6: Guatemalan Life Insurance - Gross Written Premium Dynamics by Sub-Segment, 2009-2018
Figure 7: Guatemalan Life Insurance - Direct Written Premium by Sub-Segment (GTQ Billion), 2009-2018
Figure 8: Guatemalan Life Insurance - Direct Written Premium Dynamics by Sub-Segment, 2009-2018
Figure 9: Guatemalan Life Insurance - Paid Claims (GTQ Million), 2009-2013
Figure 10: Guatemalan Life Insurance - Paid Claims (GTQ Million), 2013-2018
Figure 11: Guatemalan Life Insurance - Incurred Loss (GTQ Million), 2009-2013
Figure 12: Guatemalan Life Insurance - Incurred Loss (GTQ Million), 2013-2018
Figure 13: Guatemalan Life Insurance - Loss Ratio (%), 2009-2013
Figure 14: Guatemalan Life Insurance - Loss Ratio (%), 2013-2018
Figure 15: Guatemalan Life Insurance - Combined Ratio (%), 2009-2013
Figure 16: Guatemalan Life Insurance - Combined Ratio (%), 2013-2018
Figure 17: Guatemalan Life Insurance - Total Assets (GTQ Billion), 2009-2013
Figure 18: Guatemalan Life Insurance - Total Assets (GTQ Billion), 2013-2018
Figure 19: Guatemalan Life Insurance - Total Investment Income (GTQ Million), 2009-2013
Figure 20: Guatemalan Life Insurance - Total Investment Income (GTQ Million), 2013-2018
Figure 21: Guatemalan Life Insurance - Retentions (GTQ Million), 2009-2013
Figure 22: Guatemalan Life Insurance - Retentions (GTQ Billion), 2013-2018
Figure 23: Guatemalan Life Insurance - Total Investment (GTQ Billion), 2009-2013
Figure 24: Guatemalan Life Insurance - Penetration (%), 2009-2013
Figure 25: Guatemalan Life Insurance - Premium per Capita (GTQ), 2009-2013
Figure 26: Guatemalan Non-Life Insurance - Gross Written Premium by Category (GTQ Billion), 2009-2018
Figure 27: Guatemalan Non-Life Insurance - Gross Written Premium by Category (%), 2013 and 2018
Figure 28: Guatemalan Non-Life Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 29: Guatemalan Non-Life Insurance - Direct Written Premium by Category (GTQ Billion), 2009-2018
Figure 30: Guatemalan Non-Life Insurance - Direct Written Premium by Category (%), 2013 and 2018
Figure 31: Guatemalan Non-Life Insurance - Direct Written Premium Dynamics by Category, 2009-2018
Figure 32: Guatemalan Non-Life Insurance - Paid Claims (GTQ Million), 2009-2013
Figure 33: Guatemalan Non-Life Insurance - Paid Claims (GTQ Million), 2013-2018
Figure 34: Guatemalan Non-Life Insurance - Incurred Loss (GTQ Million), 2009-2013
Figure 35: Guatemalan Non-Life Insurance - Incurred Loss (GTQ Million), 2013-2018
Figure 36: Guatemalan Non-Life Insurance - Loss Ratio (%), 2009-2013
Figure 37: Guatemalan Non-Life Insurance - Loss Ratio (%), 2013-2018
Figure 38: Guatemalan Non-Life Insurance - Combined Ratio (%), 2009-2013
Figure 39: Guatemalan Non-Life Insurance - Combined Ratio (%), 2013-2018
Figure 40: Guatemalan Non-Life Insurance - Total Assets (GTQ Billion), 2009-2013
Figure 41: Guatemalan Non-Life Insurance - Total Assets (GTQ Billion), 2013-2018
Figure 42: Guatemalan Non-Life Insurance - Total Investment Income (GTQ Million), 2009-2013
Figure 43: Guatemalan Non-Life Insurance - Total Investment Income (GTQ Million), 2013-2018
Figure 44: Guatemalan Non-Life Insurance - Retentions (GTQ Billion), 2009-2013
Figure 45: Guatemalan Non-Life Insurance - Retentions (US$ Billion), 2013-2018
Figure 46: Guatemalan Non-Life Insurance - Total Investment (GTQ Billion), 2009-2013
Figure 47: Guatemalan Non-Life Insurance - Penetration (%), 2009-2013
Figure 48: Guatemalan Non-Life Insurance - Premium per Capita (GTQ), 2009-2013
Figure 49: Guatemalan Property Insurance - Gross Written Premium (GTQ Billion), 2009-2013
Figure 50: Guatemalan Property Insurance - Gross Written Premium (GTQ Billion), 2013-2018
Figure 51: Guatemalan Motor Insurance - Gross Written Premium (GTQ Billion), 2009-2013
Figure 52: Guatemalan Motor Insurance - Gross Written Premium (GTQ Billion), 2013-2018
Figure 53: Guatemalan Liability Insurance - Gross Written Premium (GTQ Million), 2009-2013
Figure 54: Guatemalan Liability Insurance - Gross Written Premium (GTQ Million), 2013-2018
Figure 55: Guatemalan Marine, Aviation and Transit Insurance - Gross Written Premium (GTQ Million), 2009-2013
Figure 56: Guatemalan Marine, Aviation and Transit Insurance - Gross Written Premium (GTQ Million), 2013-2018
Figure 57: Guatemalan Personal Accident and Health Insurance - Gross Written Premium by Category (GTQ Billion), 2009-2018
Figure 58: Guatemalan Personal Accident and Health Insurance - Gross Written Premium by Category (%), 2013 and 2018
Figure 59: Guatemalan Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 60: Guatemalan Personal Accident and Health Insurance - Direct Written Premium by Category (GTQ Billion), 2009-2018
Figure 61: Guatemalan Personal Accident and Health Insurance - Direct Written Premium by Category (%), 2013 and 2018
Figure 62: Guatemalan Personal Accident and Health Insurance - Direct Written Premium Dynamics by Category, 2009-2018
Figure 63: Guatemalan Personal Accident and Health Insurance - Paid Claims by Category (GTQ Million), 2009-2013
Figure 64: Guatemalan Personal Accident and Health Insurance - Paid Claims (GTQ Billion), 2013-2018
Figure 65: Guatemalan Personal Accident and Health Insurance - Incurred Loss (GTQ Million), 2009-2013
Figure 66: Guatemalan Personal Accident and Health Insurance - Incurred Loss (GTQ Billion), 2013-2018
Figure 67: Guatemalan Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Figure 68: Guatemalan Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Figure 69: Guatemalan Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Figure 70: Guatemalan Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Figure 71: Guatemalan Personal Accident and Health Insurance - Total Assets (GTQ Billion), 2009-2013
Figure 72: Guatemalan Personal Accident and Health Insurance - Total Assets (GTQ Billion), 2013-2018
Figure 73: Guatemalan Personal Accident and Health Insurance - Total Investment Income (GTQ Million), 2009-2013
Figure 74: Guatemalan Personal Accident and Health Insurance - Total Investment Income (GTQ Million), 2013-2018
Figure 75: Guatemalan Personal Accident and Health Insurance - Retentions (GTQ Billion), 2009-2013
Figure 76: Guatemalan Personal Accident and Health Insurance - Total Retentions (GTQ Billion), 2013-2018
Figure 77: Guatemalan Personal Accident and Health Insurance - Total Investment (GTQ Billion), 2009-2013
Figure 78: Guatemalan Personal Accident and Health Insurance - Penetration (%), 2009-2013
Figure 79: Guatemalan Personal Accident and Health Insurance - Premium per Capita (GTQ), 2009-2013
Figure 80: Guatemalan Personal Accident Insurance - Gross Written Premium (GTQ Million), 2009-2013
Figure 81: Guatemalan Personal Accident Insurance - Gross Written Premium (GTQ Million), 2013-2018
Figure 82: Guatemalan Health Insurance - Gross Written Premium (GTQ Billion), 2009-2013
Figure 83: Guatemalan Health Insurance - Gross Written Premium (GTQ Billion), 2013-2018
Figure 84: Guatemalan Travel Insurance - Gross Written Premium (GTQ Million), 2009-2013
Figure 85: Guatemalan Travel Insurance - Gross Written Premium (GTQ Million), 2013-2018
Figure 86: Guatemalan Reinsurance - Ceded by Insurance Segment (GTQ Billion), 2009-2018
Figure 87: Guatemalan Reinsurance - Dynamics by Insurance Segment, 2009-2018
Figure 88: Guatemalan Life Insurance - Percentage of Reinsurance Ceded (%), 2009-2013
Figure 89: Guatemalan Life Insurance - Percentage of Reinsurance Ceded (%), 2013-2018
Figure 90: Guatemalan Non-Life Insurance - Percentage of Reinsurance Ceded (%), 2009-2013
Figure 91: Guatemalan Non-Life Insurance - Percentage of Reinsurance Ceded (%), 2013-2018
Figure 92: Guatemalan Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2009-2013
Figure 93: Guatemalan Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2013-2018
Figure 94: Guatemala - Insurance Regulatory Framework
Figure 95: Guatemala - Insurance Supervision and Control at Various Levels
Figure 96: Guatemala - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 97: Guatemalan Insurance - Industry Shares, 2012 and 2013
Figure 98: Guatemalan GDP at Constant Prices (US$ Billion), 2009-2013
Figure 99: Guatemalan GDP at Current Prices (US$ Billion), 2009-2013
Figure 100: Guatemalan GDP per Capita at Current Prices (US$), 2009-2013
Figure 101: Guatemalan Inflation Rate (%), 2009-2013
Figure 102: Guatemalan Total Life Expectancy (Years), 2009-2013
Figure 103: Guatemalan Total Internet Users (Million), 2008-2012
Figure 104: Guatemalan Total Labor Force (Million), 2008-2012
Figure 105: Guatemalan Urban and Rural Populations (%), 2009-2013
Figure 106: Guatemalan Total Population (Million), 2009-2013
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