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Germany life insurance market: Largest segment of total insurance industry
Life Insurance in Germany, Key Trends and Opportunities to 2017 - a new market research report on 2014-04-21 07:48:01
The Germany life insurance market is one of the strongest in Europe in terms of density and penetration. The life insurance segment registered a negative annual growth rate due to the impact of the European sovereign debt crisis in 2011. However, the segment recovered in 2012.

As a result of the difficult economic conditions, German consumers are beginning to appreciate the advantages offered by life insurance policies. These advantages include cover against biometric risks and old age guarantees. Biometric risk is the risk that insurers will have to pay pensions, larger death or disability benefits to the insured for a longer time than originally anticipated.

The life segment accounted for the largest share of the insurance industry during the review period. The presence of a strong state pension system affected the penetration level of private life insurance. The implementation of a financial liberalization policy by the German government in 2004 made it easier for life insurers to begin operating in different countries within the EU.

Germany´s low interest rate environment affected insurers and pension funds that have long-term guarantees and are dependent on the performance of their investments. Bancassurance in Germany is one of the largest bancassurance channels in Europe. In order to increase their consumer base, banks and insurers form close ties to distribute life insurance among German consumers.

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