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Life Insurance in Estonia, Key Trends and Opportunities to 2018

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Date: 30-May-2015
No. of pages: 248
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Synopsis

Timetric's 'Life Insurance in Estonia, Key Trends and Opportunities to 2018' report provides detailed analysis of the market trends, drivers, challenges in the Estonian life insurance segment. It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions during the review period (2009-2013) and forecast period (2013-2018). The report also analyzes distribution channels operating in the segment, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric's research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in regulatory structure.

Summary

Timetric's 'Life Insurance in Estonia, Key Trends and Opportunities to 2018' report provides in-depth market analysis, information and insights into the Estonian life insurance segment, including:


  • The Estonian life insurance segment's growth prospects by life insurance category

  • Key trends, drivers and challenges for the life insurance segment

  • The various distribution channels in the Estonian life insurance segment

  • The detailed competitive landscape in the life insurance segment in Estonia

  • Detailed regulatory policies of the Estonian insurance industry

  • Analysis of various consumer segments in Estonian life insurance

  • Key developments in the Estonian life insurance segment

  • New product launches and the product portfolios of Estonian life insurers


Scope

This report provides a comprehensive analysis of the life insurance segment in Estonia:


  • It provides historical values for the Estonian life insurance segment 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 categories in the Estonian 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 Estonia.

  • It profiles the top life insurance companies in Estonia 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 Estonian life insurance segment and each category within it.

  • Understand the demand-side dynamics, key market trends and growth opportunities in the Estonian 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 Estonian insurance industry and their impact on companies and the industry's future.


Key Highlights

  • Life insurance accounted for 17.1% of the Estonian insurance industry's gross written premium in 2013.

  • High internet penetration has contributed to the rising popularity of e-commerce as a distribution channel.

  • Unit-linked products led the life segment, holding the greatest value.

  • Investment in products such as general annuity and retirement products - which are designed to pay lifetime benefits to extend beyond mortality to cover morbidity and longevity - is expected to be the life segment's key growth driver over the forecast period.

  • Estonian insurers have increased their investment in investment funds to compensate for long-term liabilities due to the low-interest-rate environment.

  • Bancassurance was the leading distribution channel with 37.3% of the life new business gross written premium.

  • Losses incurred by life insurers due to fraudulent claims rose during the review period.

Life Insurance in Estonia, 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 Estonian 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 general annuity insurance
5.6.3 Individual endowment insurance
5.6.4 Individual term life insurance
5.6.5 Individual supplementary insurance
5.6.6 Other individual 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 linked insurance business
5.8.2 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 Latest Changes in Regulations
7.3 Regulations and market practice by Type of Insurance
7.3.1 Life insurance
7.3.2 Property insurance
7.3.3 Motor insurance
7.3.4 Liability Insurance
7.3.5 Marine, aviation and transit insurance
7.3.6 Personal accident and health insurance
7.4 Compulsory Insurance
7.4.1 Motor third-party liability insurance
7.4.2 Social security system
7.4.3 Professional indemnity insurance for alternative investment fund managers
7.5 Supervision and Control
7.5.1 International Association of Insurance Supervisors (IAIS)
7.5.2 European Insurance and Occupational Pensions Authority (EIOPA)
7.5.3 Financial Supervision Authority
7.6 Non-Admitted Insurance Regulations
7.6.1 Overview
7.6.2 Intermediaries
7.6.3 Market practices
7.6.4 Fines and penalties
7.7 Company Registration and Operations
7.7.1 Types of insurance organization
7.7.2 Establishing a local company
7.7.3 Foreign ownership
7.7.4 Types of license
7.7.5 Capital requirements
7.7.6 Solvency margins
7.7.7 Reserve requirements
7.7.8 Investment regulations
7.7.9 Statutory return requirements
7.7.10 Fee structure
7.8 Taxation
7.8.1 Insurance premium or policy taxation
7.8.2 Corporate tax
7.8.3 VAT
7.8.4 Captives
7.9 Legal System
7.9.1 Introduction
7.9.2 Access to court
7.9.3 Alternative dispute resolution (ADR)

8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Life Insurers - New Product Launches and Product Portfolio
8.3 Leading Life Insurers - Key Developments
8.4 Leading Companies in the Estonian Life Insurance Segment
8.5 Swedbank Life Insurance SE - Company Overview
8.5.1 Swedbank Life Insurance SE - key facts
8.5.2 Swedbank Life Insurance SE - key financials
8.6 Compensa Life Vienna Insurance Group SE - Company Overview
8.6.1 Compensa Life Vienna Insurance Group SE - key facts
8.6.2 Compensa Life Vienna Insurance Group SE - key financials
8.7 AS SEB Elu- ja Pensionikindlustus - Company Overview
8.7.1 AS SEB Elu- ja Pensionikindlustus - key facts
8.7.2 AS SEB Elu- ja Pensionikindlustus - key financials
8.8 Mandatum Life Insurance Baltic SE - Company Overview
8.8.1 Mandatum Life Insurance Baltic SE - key facts
8.8.2 Mandatum Life Insurance Baltic SE - key financials

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 GDP by key sector
9.1.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
9.1.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
9.1.8 Manufacturing net output at current prices (US$)
9.1.9 Manufacturing net output at current prices as a percentage of GDP
9.1.10 Mining, manufacturing and utilities at current prices (US$)
9.1.11 Mining, manufacturing and utilities at current prices as a Percentage of GDP
9.1.12 Construction net output at current prices (US$)
9.1.13 Construction net output at current prices as a percentage of GDP
9.1.14 Inflation rate
9.1.15 Exports as a percentage of GDP
9.1.16 Imports as a percentage of GDP
9.1.17 Merchandise exports growth
9.1.18 Merchandise imports growth
9.1.19 Annual average exchange rate EUR-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 Labor force
9.3.2 Unemployment rate
9.4 Demographics
9.4.1 Real gross national disposable income (US$)
9.4.2 Household consumption expenditure (US$)
9.4.3 Total population
9.4.4 Urban and rural populations
9.4.5 Age distribution of the total population
9.4.6 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: Estonian Life Insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Estonian Insurance Industry - Gross Written Premium by Segment (EUR Million), 2009-2013
Table 4: Estonian Insurance Industry - Gross Written Premium by Segment (US$ Million), 2009-2013
Table 5: Estonian Insurance Industry - Gross Written Premium by Segment (EUR Million), 2013-2018
Table 6: Estonian Insurance Industry - Gross Written Premium by Segment (US$ Million), 2013-2018
Table 7: Estonian Insurance Industry - Gross Written Premium by Segment (Percentage Share), 2009-2018
Table 8: Estonian Insurance Industry - Direct Written Premium by Segment (EUR Million), 2009-2013
Table 9: Estonian Insurance Industry - Direct Written Premium by Segment (US$ Million), 2009-2013
Table 10: Estonian Insurance Industry - Direct Written Premium by Segment (EUR Million), 2013-2018
Table 11: Estonian Insurance Industry - Direct Written Premium by Segment (US$ Million), 2013-2018
Table 12: Estonian Insurance Industry - Direct Written Premium by Segment (Percentage Share), 2009-2018
Table 13: Estonian Life Insurance - Gross Written Premium by Category (EUR Million), 2009-2013
Table 14: Estonian Life Insurance - Gross Written Premium by Category (US$ Million), 2009-2013
Table 15: Estonian Life Insurance - Gross Written Premium by Category (EUR Million), 2013-2018
Table 16: Estonian Life Insurance - Gross Written Premium by Category (US$ Million), 2013-2018
Table 17: Estonian Life Insurance - New Business Written Premium (EUR Million), 2009-2013
Table 18: Estonian Life Insurance - New Business Written Premium (EUR Million), 2013-2018
Table 19: Estonian Life Insurance - Earned Premium (EUR Million), 2009-2013
Table 20: Estonian Life Insurance - Earned Premium (EUR Million), 2013-2018
Table 21: Estonian Life Insurance - Sum Assured (EUR Billion), 2009-2013
Table 22: Estonian Life Insurance - Sum Assured (EUR Billion), 2013-2018
Table 23: Estonian Life Insurance - Paid Claims (EUR Million), 2009-2013
Table 24: Estonian Life Insurance - Paid Claims (EUR Million), 2013-2018
Table 25: Estonian Life Insurance - Incurred Loss (EUR Million), 2009-2013
Table 26: Estonian Life Insurance - Incurred Loss (EUR Million), 2013-2018
Table 27: Estonian Life Insurance - Loss Ratio (%), 2009-2013
Table 28: Estonian Life Insurance - Loss Ratio (%), 2013-2018
Table 29: Estonian Life Insurance - Commissions and Expenses (EUR Million), 2009-2013
Table 30: Estonian Life Insurance - Commissions and Expenses (EUR Million), 2013-2018
Table 31: Estonian Life Insurance - Combined Ratio (%), 2009-2013
Table 32: Estonian Life Insurance - Combined Ratio (%), 2013-2018
Table 33: Estonian Life Insurance - Fraud and Crime (EUR), 2009-2013
Table 34: Estonian Life Insurance - Fraud and Crime (EUR), 2013-2018
Table 35: Estonian Life Insurance - Total Assets (EUR Million), 2009-2013
Table 36: Estonian Life Insurance - Total Assets (EUR Million), 2013-2018
Table 37: Estonian Life Insurance - Total Investment Income (EUR Million), 2009-2013
Table 38: Estonian Life Insurance - Total Investment Income (EUR Million), 2013-2018
Table 39: Estonian Life Insurance - Retentions (EUR Million), 2009-2013
Table 40: Estonian Life Insurance - Retentions (EUR Million), 2013-2018
Table 41: Estonian Individual Life Insurance - Gross Written Premium by Category (EUR Million), 2009-2013
Table 42: Estonian Individual Life Insurance - Gross Written Premium by Category (US$ Million), 2009-2013
Table 43: Estonian Individual Life Insurance - Gross Written Premium by Category (EUR Million), 2013-2018
Table 44: Estonian Individual Life Insurance - Gross Written Premium by Category (US$ Million), 2013-2018
Table 45: Estonian Individual Life Insurance - Direct Written Premium by Category (EUR Million), 2009-2013
Table 46: Estonian Individual Life Insurance - Direct Written Premium by Category (US$ Million), 2009-2013
Table 47: Estonian Individual Life Insurance - Direct Written Premium by Category (EUR Million), 2013-2018
Table 48: Estonian Individual Life Insurance - Direct Written Premium by Category (US$ Million), 2013-2018
Table 49: Estonian Individual Life Insurance - Policies by Category (Thousand), 2009-2013
Table 50: Estonian Individual Life Insurance - Policies by Category (Thousand), 2013-2018
Table 51: Estonian Individual Whole Life Insurance - Number of Active Policies (Thousand), 2009-2013
Table 52: Estonian Individual Whole Life Insurance - Number of Active Policies (Thousand), 2013-2018
Table 53: Estonian Individual Whole Life Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 54: Estonian Individual Whole Life Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 55: Estonian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2009-2013
Table 56: Estonian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2013-2018
Table 57: Estonian Individual General Annuity Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 58: Estonian Individual General Annuity Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 59: Estonian Individual Endowment Insurance - Number of Active Policies (Thousand), 2009-2013
Table 60: Estonian Individual Endowment Insurance - Number of Active Policies (Thousand), 2013-2018
Table 61: Estonian Individual Endowment Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 62: Estonian Individual Endowment Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 63: Estonian Individual Term Life Insurance - Number of Active Policies (Thousand), 2009-2013
Table 64: Estonian Individual Term Life Insurance - Number of Active Policies (Thousand), 2013-2018
Table 65: Estonian Individual Term Life Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 66: Estonian Individual Term Life Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 67: Estonian Individual Supplementary Insurance - Number of Active Policies (Thousand), 2009-2013
Table 68: Estonian Individual Supplementary Insurance - Number of Active Policies (Thousand), 2013-2018
Table 69: Estonian Individual Supplementary Insurance - Gross Written Premium (EUR), 2009-2013
Table 70: Estonian Individual Supplementary Insurance - Gross Written Premium (EUR), 2013-2018
Table 71: Estonian Other Individual Insurance - Number of Active Policies (Thousand), 2009-2013
Table 72: Estonian Other Individual Insurance - Number of Active Policies (Thousand), 2013-2018
Table 73: Estonian Other Individual Insurance - Gross Written Premium (EUR Thousand), 2009-2013
Table 74: Estonian Other Individual Insurance - Gross Written Premium (EUR Thousand), 2013-2018
Table 75: Estonian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 76: Estonian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 77: Estonian Individual Single-Premium Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 78: Estonian Individual Single-Premium Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 79: Estonian Individual Single-Premium Insurance - Direct Written Premium (EUR Million), 2009-2013
Table 80: Estonian Individual Single-Premium Insurance - Direct Written Premium (EUR Million), 2013-2018
Table 81: Estonian Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 82: Estonian Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 83: Estonian Individual Non-Single-Premium Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 84: Estonian Individual Non-Single-Premium Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 85: Estonian Individual Non-Single-Premium Insurance - Direct Written Premium (EUR Million), 2009-2013
Table 86: Estonian Individual Non-Single-Premium Insurance - Direct Written Premium (EUR Million), 2013-2018
Table 87: Estonian Linked Insurance Business - Number of Active Policies (Thousand), 2009-2013
Table 88: Estonian Linked Insurance Business - Number of Active Policies (Thousand), 2013-2018
Table 89: Estonian Linked Insurance Business - Gross Written Premium (EUR Million), 2009-2013
Table 90: Estonian Linked Insurance Business - Gross Written Premium (EUR Million), 2013-2018
Table 91: Estonian Linked Insurance Business - Direct Written Premium (EUR Million), 2009-2013
Table 92: Estonian Linked Insurance Business - Direct Written Premium (EUR Million), 2013-2018
Table 93: Estonian Non-Linked Insurance Business - Number of Active Policies (Thousand), 2009-2013
Table 94: Estonian Non-Linked Insurance Business - Number of Active Policies (Thousand), 2013-2018
Table 95: Estonian Non-Linked Insurance Business - Gross Written Premium (EUR Million), 2009-2013
Table 96: Estonian Non-Linked Insurance Business - Gross Written Premium (EUR Million), 2013-2018
Table 97: Estonian Non-Linked Insurance Business - Direct Written Premium (EUR Million), 2009-2013
Table 98: Estonian Non-Linked Insurance Business - Direct Written Premium (EUR Million), 2013-2018
Table 99: Estonian Life Insurance - Direct Marketing Commission Paid (EUR Million), 2009-2013
Table 100: Estonian Life Insurance - Direct Marketing Commission Paid (EUR Million), 2013-2018
Table 101: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 102: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Table 103: Estonian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2009-2013
Table 104: Estonian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2013-2018
Table 105: Estonian Life Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 106: Estonian Life Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 107: Estonian Life Insurance - Bancassurance Commission Paid (EUR Million), 2009-2013
Table 108: Estonian Life Insurance - Bancassurance Commission Paid (EUR Million), 2013-2018
Table 109: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 110: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Table 111: Estonian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2009-2013
Table 112: Estonian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2013-2018
Table 113: Estonian Life Insurance - Number of Bancassurance Distributors, 2009-2013
Table 114: Estonian Life Insurance - Number of Bancassurance Distributors, 2013-2018
Table 115: Estonian Life Insurance - Commission Paid to Agencies (EUR Billion), 2009-2013
Table 116: Estonian Life Insurance - Commission Paid to Agencies (EUR Billion), 2013-2018
Table 117: Estonian Life Insurance - New Business Gross Written Premium (EUR Thousand), 2009-2013
Table 118: Estonian Life Insurance - New Business Gross Written Premium (EUR Thousand), 2013-2018
Table 119: Estonian Life Insurance - New Policies Sold Through Agencies (Thousand), 2009-2013
Table 120: Estonian Life Insurance - New Policies Sold Through Agencies (Thousand), 2013-2018
Table 121: Estonian Life Insurance - Number of Agencies, 2009-2013
Table 122: Estonian Life Insurance - Number of Agencies, 2013-2018
Table 123: Estonian Life Insurance - E-Commerce Commission Paid (EUR Million), 2009-2013
Table 124: Estonian Life Insurance - E-Commerce Commission Paid (EUR Million), 2013-2018
Table 125: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 126: Estonian Life Insurance - Gross Written Premium New Business (EUR Million), 2013-2018
Table 127: Estonian Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2009-2013
Table 128: Estonian Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2013-2018
Table 129: Estonian Life Insurance - Number of E-Commerce Distributors, 2009-2013
Table 130: Estonian Life Insurance - Number of E-Commerce Distributors, 2013-2018
Table 131: Estonian Life Insurance - Commission Paid to Brokers (EUR Million), 2009-2013
Table 132: Estonian Life Insurance - Commission Paid to Brokers (EUR Million), 2013-2018
Table 133: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Table 134: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Table 135: Estonian Life Insurance - New Policies Sold Through Brokers (Thousand), 2009-2013
Table 136: Estonian Life Insurance - New Policies Sold Through Brokers (Thousand), 2013-2018
Table 137: Estonian Life Insurance - Number of Brokers, 2009-2013
Table 138: Estonian Life Insurance - Number of Brokers, 2013-2018
Table 139: Estonian Life Insurance - Commission Paid to Other Channels (EUR Billion), 2009-2013
Table 140: Estonian Life Insurance - Commission Paid to Other Channels (EUR Billion), 2013-2018
Table 141: Estonian Life Insurance - New Business Gross Written Premium (EUR Thousand), 2009-2013
Table 142: Estonian Life Insurance - New Business Gross Written Premium (EUR Billion), 2013-2018
Table 143: Estonian Life Insurance - New Policies Sold Through Other Channels (Thousand), 2009-2013
Table 144: Estonian Life Insurance - New Policies Sold Through Other Channels (Thousand), 2013-2018
Table 145: Estonian Life Insurance - Number of Distributors in Other Channels, 2009-2013
Table 146: Estonian Life Insurance - Number of Distributors in Other Channels, 2013-2018
Table 147: Estonia - Life Insurance Regulatory Framework
Table 148: Estonia - Property Insurance Regulatory Framework
Table 149: Estonia - Motor Insurance Regulatory Framework
Table 150: Estonia - Liability Insurance Regulatory Framework
Table 151: Estonia - Minimum Capital Requirements
Table 152: Estonia - Corporate Tax Rates for the Financial Year 2015
Table 153: Estonian Life Insurance - Market Share (%), 2013
Table 154: Swedbank Life Insurance SE, Key Facts
Table 155: Swedbank Life Insurance SE, Key Financials (EUR Million), 2009-2013
Table 156: Compensa Life Vienna Insurance Group SE, Key Facts
Table 157: Compensa Life Vienna Insurance Group SE, Key Financials (EUR Million), 2009-2013
Table 158: AS SEB Elu- ja Pensionikindlustus, Key Facts
Table 159: AS SEB Elu- ja Pensionikindlustus, Key Financials (EUR Million), 2009-2013
Table 160: Mandatum Life Insurance Baltic SE, Key Facts
Table 161: Mandatum Life Insurance Baltic SE, Key Financials (EUR Million), 2009-2013

List of Figures

Figure 1: Estonian Insurance Industry - Gross Written Premium by Segment (EUR Million), 2009-2018
Figure 2: Estonian Insurance Industry - Gross Written Premium Dynamics by Segment (2009-2018)
Figure 3: Estonian Insurance Industry - Direct Written Premium by Segment (EUR Million), 2009-2018
Figure 4: Estonian Insurance Industry - Direct Written Premium Dynamics by Segment (2009-2018)
Figure 5: Estonian Population Distribution by Age Group (%), 2009-2013
Figure 6: Estonian Urban and Rural Populations (%), 2009-2013
Figure 7: Estonian Life Insurance - Gross Written Premium by Category (EUR Million), 2009-2018
Figure 8: Estonian Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 9: Estonian Life Insurance - Gross Written Premium Dynamics by Category (2009-2018)
Figure 10: Estonian Life Insurance - New Business Written Premium (EUR Million), 2009-2013
Figure 11: Estonian Life Insurance - New Business Written Premium (EUR Million), 2013-2018
Figure 12: Estonian Life Insurance - Earned Premium (EUR Million), 2009-2013
Figure 13: Estonian Life Insurance - Earned Premium (EUR Million), 2013-2018
Figure 14: Estonian Life Insurance - Sum Assured (EUR Billion), 2009-2013
Figure 15: Estonian Life Insurance - Sum Assured (EUR Billion), 2013-2018
Figure 16: Estonian Life Insurance - Paid Claims (EUR Million), 2009-2013
Figure 17: Estonian Life Insurance - Paid Claims (EUR Million), 2013-2018
Figure 18: Estonian Life Insurance - Incurred Loss (EUR Million), 2009-2013
Figure 19: Estonian Life Insurance - Incurred Loss (EUR Million), 2013-2018
Figure 20: Estonian Life Insurance - Loss Ratio (%), 2009-2013
Figure 21: Estonian Life Insurance - Loss Ratio (%), 2013-2018
Figure 22: Estonian Life Insurance - Commissions and Expenses (EUR Million), 2009-2013
Figure 23: Estonian Life Insurance - Commissions and Expenses (EUR Million), 2013-2018
Figure 24: Estonian Life Insurance - Combined Ratio (%), 2009-2013
Figure 25: Estonian Life Insurance - Combined Ratio (%), 2013-2018
Figure 26: Estonian Life Insurance - Fraud and Crime (EUR Thousand), 2009-2013
Figure 27: Estonian Life Insurance - Fraud and Crime (EUR Thousand), 2013-2018
Figure 28: Estonian Life Insurance - Total Assets (EUR Million), 2009-2013
Figure 29: Estonian Life Insurance - Total Assets (EUR Million), 2013-2018
Figure 30: Estonian Life Insurance - Total Investment Income (EUR Million), 2009-2013
Figure 31: Estonian Life Insurance - Total Investment Income (EUR Million), 2013-2018
Figure 32: Estonian Life Insurance - Retentions (EUR Million), 2009-2013
Figure 33: Estonian Life Insurance - Retentions (EUR Million), 2013-2018
Figure 34: Estonian Life Insurance - Investment Portfolio (EUR Million), 2009-2013
Figure 35: Estonian Life Insurance - Investment Portfolio, 2009 and 2013
Figure 36: Estonian Life Insurance - Penetration (%), 2009-2013
Figure 37: Estonian Life Insurance - Density (Number of Policies per Capita), 2009-2013
Figure 38: Estonian Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 39: Estonian Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 40: Estonian Life Insurance - Number of New Policies Sold (Thousand), 2009-2013
Figure 41: Estonian Life Insurance - Number of New Policies Sold (Thousand), 2013-2018
Figure 42: Estonian Life Insurance - Premium Per Capita (EUR), 2009-2013
Figure 43: Estonian Individual Life Insurance - Gross Written Premium by Category (EUR Million), 2009-2018
Figure 44: Estonian Individual Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 45: Estonian Individual Life Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 46: Estonian Individual Life Insurance - Direct Written Premium by Category (EUR Million), 2009-2018
Figure 47: Estonian Individual Life Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 48: Estonian Individual Life Insurance - Direct Written Premium Dynamics by Category, 2009-2018
Figure 49: Estonian Individual Life Insurance - Policies by Category (Thousand), 2009-2018
Figure 50: Estonian Individual Life Insurance - Policies by Category (Percentage Share), 2013 and 2018
Figure 51: Estonian Individual Life Insurance - Policy Dynamics by Category, 2009-2018
Figure 52: Estonian Individual Whole Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 53: Estonian Individual Whole Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 54: Estonian Individual Whole Life Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 55: Estonian Individual Whole Life Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 56: Estonian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 57: Estonian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 58: Estonian Individual General Annuity Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 59: Estonian Individual General Annuity Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 60: Estonian Individual Endowment Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 61: Estonian Individual Endowment Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 62: Estonian Individual Endowment Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 63: Estonian Individual Endowment Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 64: Estonian Individual Term Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 65: Estonian Individual Term Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 66: Estonian Individual Term Life Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 67: Estonian Individual Term Life Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 68: Estonian Individual Supplementary Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 69: Estonian Individual Supplementary Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 70: Estonian Individual Supplementary Insurance - Gross Written Premium (EUR Thousand), 2009-2013
Figure 71: Estonian Individual Supplementary Insurance - Gross Written Premium (EUR Thousand), 2013-2018
Figure 72: Estonian Other Individual Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 73: Estonian Other Individual Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 74: Estonian Other Individual Insurance - Gross Written Premium (EUR Thousand), 2009-2013
Figure 75: Estonian Other Individual Insurance - Gross Written Premium (EUR Thousand), 2013-2018
Figure 76: Estonian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 77: Estonian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 78: Estonian Individual Single-Premium Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 79: Estonian Individual Single-Premium Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 80: Estonian Individual Single-Premium Insurance - Direct Written Premium (EUR Million), 2009-2013
Figure 81: Estonian Individual Single-Premium Insurance - Direct Written Premium (EUR Million), 2013-2018
Figure 82: Estonian Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 83: Estonian Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 84: Estonian Individual Non-Single-Premium Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 85: Estonian Individual Non-Single-Premium Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 86: Estonian Individual Non-Single-Premium Insurance - Direct Written Premium (EUR Million), 2009-2013
Figure 87: Estonian Individual Non-Single-Premium Insurance - Direct Written Premium (EUR Million), 2013-2018
Figure 88: Estonian Linked Insurance Business - Number of Active Policies (Thousand), 2009-2013
Figure 89: Estonian Linked Insurance Business - Number of Active Policies (Thousand), 2013-2018
Figure 90: Estonian Linked Insurance Business - Gross Written Premium (EUR Million), 2009-2013
Figure 91: Estonian Linked Insurance Business - Gross Written Premium (EUR Million), 2013-2018
Figure 92: Estonian Linked Insurance Business - Direct Written Premium (EUR Million), 2009-2013
Figure 93: Estonian Linked Insurance Business - Direct Written Premium (EUR Million), 2013-2018
Figure 94: Estonian Non-Linked Insurance Business - Number of Active Policies (Thousand), 2009-2013
Figure 95: Estonian Non-Linked Insurance Business - Number of Active Policies (Thousand), 2013-2018
Figure 96: Estonian Non-Linked Insurance Business - Gross Written Premium (EUR Million), 2009-2013
Figure 97: Estonian Non-Linked Insurance Business - Gross Written Premium (EUR Million), 2013-2018
Figure 98: Estonian Non-Linked Insurance Business - Direct Written Premium (EUR Million), 2009-2013
Figure 99: Estonian Non-Linked Insurance Business - Direct Written Premium (EUR Million), 2013-2018
Figure 100: Estonian Life Insurance - New Business Gross Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 101: Estonian Life Insurance - Direct Marketing Commission Paid (EUR Million), 2009-2013
Figure 102: Estonian Life Insurance - Direct Marketing Commission Paid (EUR Million), 2013-2018
Figure 103: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Figure 104: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Figure 105: Estonian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2009-2013
Figure 106: Estonian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2013-2018
Figure 107: Estonian Life Insurance - Number of Direct Marketing Distributors, 2009-2013
Figure 108: Estonian Life Insurance - Number of Direct Marketing Distributors, 2013-2018
Figure 109: Estonian Life Insurance - Bancassurance Commission Paid (EUR Million), 2009-2013
Figure 110: Estonian Life Insurance - Bancassurance Commission Paid (EUR Million), 2013-2018
Figure 111: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Figure 112: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Figure 113: Estonian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2009-2013
Figure 114: Estonian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2013-2018
Figure 115: Estonian Life Insurance - Number of Bancassurance Distributors, 2009-2013
Figure 116: Estonian Life Insurance - Number of Bancassurance Distributors, 2013-2018
Figure 117: Estonian Life Insurance - Commission Paid to Agencies (EUR Billion), 2009-2013
Figure 118: Estonian Life Insurance - Commission Paid to Agencies (EUR Billion), 2013-2018
Figure 119: Estonian Life Insurance - New Business Gross Written Premium (EUR Thousand), 2009-2013
Figure 120: Estonian Life Insurance - New Business Gross Written Premium (EUR Thousand), 2013-2018
Figure 121: Estonian Life Insurance - New Policies Sold Through Agencies (Thousand), 2009-2013
Figure 122: Estonian Life Insurance - New Policies Sold Through Agencies (Thousand), 2013-2018
Figure 123: Estonian Life Insurance - Number of Agencies, 2009-2013
Figure 124: Estonian Life Insurance - Number of Agencies, 2013-2018
Figure 125: Estonian Life Insurance - E-Commerce Commission Paid (EUR Million), 2009-2013
Figure 126: Estonian Life Insurance - E-Commerce Commission Paid (EUR Million), 2013-2018
Figure 127: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Figure 128: Estonian Life Insurance - Gross Written Premium New Business (EUR Million), 2013-2018
Figure 129: Estonian Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2009-2013
Figure 130: Estonian Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2013-2018
Figure 131: Estonian Life Insurance - Number of E-Commerce Distributors, 2009-2013
Figure 132: Estonian Life Insurance - Number of E-Commerce Distributors, 2013-2018
Figure 133: Estonian Life Insurance - Commission Paid to Brokers (EUR Million), 2009-2013
Figure 134: Estonian Life Insurance - Commission Paid to Brokers (EUR Million), 2013-2018
Figure 135: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2009-2013
Figure 136: Estonian Life Insurance - New Business Gross Written Premium (EUR Million), 2013-2018
Figure 137: Estonian Life Insurance - New Policies Sold Through Brokers (Thousand), 2009-2013
Figure 138: Estonian Life Insurance - New Policies Sold Through Brokers (Thousand), 2013-2018
Figure 139: Estonian Life Insurance - Number of Brokers, 2009-2013
Figure 140: Estonian Life Insurance - Number of Brokers, 2013-2018
Figure 141: Estonian Life Insurance - Commission Paid to Other Channels (EUR Billion), 2009-2013
Figure 142: Estonian Life Insurance - Commission Paid to Other Channels (EUR Billion), 2013-2018
Figure 143: Estonian Life Insurance – New Business Gross Written Premium (EUR Thousand), 2009–2013
Figure 144: Estonian Life Insurance – New Business Gross Written Premium (EUR Billion), 2013–2018
Figure 145: Estonian Life Insurance – New Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 146: Estonian Life Insurance – New Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 147: Estonian Life Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 148: Estonian Life Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 149: Estonia – Insurance Regulatory Framework
Figure 150: Estonia – The Three Pillars of Solvency II
Figure 151: Estonia – Insurance Supervision and Control at Various Levels
Figure 152: Estonia – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 153: Estonian Life Insurance – Market Share (%), 2013
Figure 154: Estonian GDP at Constant Prices (US$ Billion), 2009–2013
Figure 155: Estonian GDP Per Capita at Constant Prices (US$), 2009–2013
Figure 156: Estonian GDP at Current Prices (US$ Billion), 2009–2013
Figure 157: Estonian GDP Per Capita at Current Prices (US$), 2009–2013
Figure 158: Estonian GDP by Key Sector (%), 2009 and 2013
Figure 159: Estonian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Million), 2009–2013
Figure 160: Estonian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2009–2013
Figure 161: Estonian Manufacturing Net Output at Current Prices (US$ Billion), 2009–2013
Figure 162: Estonian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2009–2013
Figure 163: Estonian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2009–2013
Figure 164: Estonian Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2009–2013
Figure 165: Estonian Construction Net Output at Current Prices (US$ Billion), 2009–2013
Figure 166: Estonian Construction Output at Current Prices as a Percentage of GDP (%), 2009–2013
Figure 167: Estonian Inflation Rate (%), 2009–2014
Figure 168: Estonian Exports as a Percentage of GDP (%), 2009–2013
Figure 169: Estonian Imports as a Percentage of GDP (%), 2009–2013
Figure 170: Estonian Merchandise Exports Growth (%), 2009–2013
Figure 171: Estonian Merchandise Imports Growth (%), 2009–2013
Figure 172: Estonian Annual Average Exchange Rate US$–EUR, 2009–2013
Figure 173: Estonian Commercial Vehicle Exports – Total Value (US$ Million), 2009–2013
Figure 174: Estonian Commercial Vehicle Imports – Total Value (US$ Million), 2009–2013
Figure 175: Estonian Automotive Exports – Total Value (US$ Million), 2009–2013
Figure 176: Estonian Automotive Imports – Total Value (US$ Billion), 2009–2013
Figure 177: Estonian Internet Subscriptions (Millions), 2009–2013
Figure 178: Estonian Size of Labor Force (Million), 2009–2013
Figure 179: Estonian Unemployment Rate (%), 2009–2013
Figure 180: Estonian Gross National Disposable Income (US$ Billion), 2009–2013
Figure 181: Estonian Household Consumption Expenditure (US$ Billion), 2009–2013
Figure 182: Estonian Total Population (Million), 2009–2013
Figure 183: Estonian Urban and Rural Populations (%), 2009–2013
Figure 184: Estonian Population Distribution by Age (%), 2009–2013
Figure 185: Estonian Life Expectancy (Number of Years), 2009–2013

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