Aarkstore - Life Insurance in Russia, Key Trends and Opportunities to 2018

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AArkstore enterprise 11th October 2014

Life Insurance in Russia, Key Trends and Opportunities to 2018 Browse Full Report @

http://www.aarkstore.com/insurance/50177/Life-Insurance-in-RussiaKey-Trends-and-Opportunities-to-2018 Published: Sep 2014 | No. Of Pages: 294 Pages PDF: $1950 | Site Licence : $3900 | Enterprise Wide Licence: $5850

Synopsis The report provides in-depth market analysis, information and insights into the Russian life insurance segment, including: The Russian life insurance segments growth prospects by life insurance categories Key trends and drivers for the life insurance segment The various distribution channels in the Russian life insurance segment The detailed competitive landscape in the life insurance segment in Russia Detailed regulatory policies of the Russian insurance industry A description of the life reinsurance segment in Russia Porter's Five Forces analysis of the life insurance segment A benchmarking section on the Russian life insurance segment in comparison with other countries in the BRICS region

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AArkstore enterprise

Summary Russia has the worlds 19th-largest insurance industry in terms of gross written premium. The life segment grew significantly following the global financial crisis of 20082009. The primary reasons were an increase in public awareness with regards to life insurance products, increase in employment, and the governments implementation of several laws to develop the insurance industry. Russias life insurance segment is underdeveloped when compared to Brazil, Russia, India and China (the BRIC countries). In gross written premium terms, the life segment accounted for 4.1% of the total gross written premium of Russian insurance industry in 2013. The main reasons for the segments relatively low share are the countrys lack of tax benefits for life insurance products and its underdeveloped private pension system. Most life insurance policies sold are bought as a mandatory requirement for people taking out a bank loan.

Scope This report provides a comprehensive analysis of the life insurance segment in Russia: It provides historical values for the Russian life insurance segment for the reports 20092013 review period and forecast figures for the 20132018 forecast period. It offers a detailed analysis of the key categories in the Russian 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 Russia. Using Porters industry-standard Five Forces analysis, it details the competitive landscape in Russia for the life insurance business. It provides a detailed analysis of the reinsurance segment in Russia and its growth prospects. It profiles the top life insurance companies in Russia and outlines the key regulations affecting them.

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AArkstore enterprise Reasons To Buy Make strategic business decisions using in-depth historic and forecast market data related to the Russian life insurance segment and each category within it Understand the demand-side dynamics, key market trends and growth opportunities within the Russian life insurance segment Assess the competitive dynamics in the life insurance segment, along with the reinsurance segment Identify the growth opportunities and market dynamics within key product categories Gain insights into key regulations governing the Russian insurance industry and its impact on companies and the market's future

Key Highlights The life segment accounted for 4.1% of the industrys gross written premium in 2013. Russia has one of the most underdeveloped life segments among the BRICS countries. Russias life segment overcame the adverse impact of the global financial crisis of 20082009 due to an increase in the awareness of life insurance savings products and an increase in employment. As a result of increase in paid-up capital in 2012, the life segment has gone through a period of consolidation as the total number of life insurance companies decreased from 604 in 2012 to 422 in 2013. The Russian life insurance segment is highly concentrated, with 10 leading insurers accounting for an 86.9% share of the segments total gross written premiums in 2013.

Tables Of Contents 1 Executive Summary 2 Introduction

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AArkstore enterprise 2.1 What is this Report About? 2.2 Definitions 2.3 Methodology 3 Regional Market Dynamics 3.1 Overview 3.1.1 Market trends 3.1.2 Market size 4 Life Insurance Regional Benchmarking 4.1 Scale and Penetration 4.1.1 Total gross written premium 4.1.2 Premium per capita 4.1.3 Life insurance penetration (as a percentage of GDP) 4.2 Growth 4.2.1 Gross written premium 4.2.2 Gross written premium per capita 4.3 Efficiency and Risk 4.3.1 Loss ratio 4.3.2 Combined ratio 4.3.3 Incurred losses per capita 4.3.4 Incurred losses as a percentage of GDP 4.4 Distribution Channels 4.4.1 Direct marketing 4.4.2 Bancassurance

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AArkstore enterprise 4.4.3 Agencies 5 Russian Insurance Industry Attractiveness 5.1 Insurance Industry Size, 20092018 5.2 Key Industry Trends and Drivers 5.3 Challenges 5.4 Recent Market Developments 6 Life Insurance Outlook 6.1 Consumer Segmentation 6.2 Product and Marketing Strategies 6.2.1 Product strategies 6.2.2 Marketing strategies 6.3 Life Insurance Growth Prospects by Category 6.4 Individual Life Insurance 6.4.1 Individual whole life insurance 6.4.2 Individual general annuity insurance 6.4.3 Individual pension insurance 6.5 Group Life Insurance 6.5.1 Group whole life insurance 6.5.2 Group superannuation insurance 6.6 Life Insurance Growth Prospects by Customer Segment 6.6.1 Individual single-premium insurance 6.6.2 Individual non-single-premium insurance 6.6.3 Group single-premium insurance

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AArkstore enterprise 6.6.4 Group non-single-premium insurance 6.7 Life Insurance Growth Prospects by Product Type 6.7.1 Non-linked insurance business 7 Analysis by Distribution Channel 7.1 Direct Marketing 7.2 Bancassurance 7.3 Agencies 7.4 Brokers 7.5 Other Channels 8 Porters Five Forces Analysis Russian Life Insurance 8.1 Bargaining Power of Suppliers: Medium to High 8.2 Bargaining Power of Buyer: Low to Medium 8.3 Barriers to Entry: Medium 8.4 Intensity of Rivalry: Medium to High 8.5 Threat of Substitutes: Low 9 Reinsurance Growth Dynamics and Challenges 9.1 Reinsurance Segment Size, 20092018 9.2 Reinsurance Segment Size by Premium Ceded, 20092018 10 Governance, Risk and Compliance 10.1 Legislation Overview and Historical Evolution 10.2 Legislation and Market Practice by Type of Insurance 10.2.1 Life insurance 10.2.2 Property insurance

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AArkstore enterprise 10.2.3 Motor insurance 10.2.4 Liability insurance 10.2.5 Marine, aviation and transit insurance 10.2.6 Personal accident and health insurance 10.3 Compulsory Insurance 10.3.1 Health insurance 10.3.2 Motor liability insurance (OSAGO) 10.3.3 Third-party liability insurance for hazardous activities 10.3.4 Aviation liability insurance 10.4 Supervision and Control 10.4.1 International Association of Insurance Supervisors 10.4.2 Bank of Russia Financial Market Service (BRFMS) 10.4.3 All-Russian Insurance Association (ARIA) 10.5 Non-Admitted Insurance Regulations 10.5.1 Overview 10.5.2 Intermediaries 10.5.3 Market practices 10.5.4 Fines and penalties 10.6 Company Registration and Operations 10.6.1 Types of insurance organization 10.6.2 Establishing a local company 10.6.3 Foreign ownership 10.6.4 Types of license

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AArkstore enterprise 10.6.5 Capital requirements 10.6.6 Solvency margins 10.6.7 Reserve requirements 10.6.8 Investment regulations 10.6.9 Statutory return requirements 10.6.10 Fee structure 10.7 Taxation 10.7.1 Insurance premium or policy taxation 10.7.2 Withholding taxes on premium paid overseas 10.7.3 Corporate tax 10.7.4 VAT 10.7.5 Captives 10.8 Legal System 10.8.1 Introduction 10.8.2 Access to court 10.8.3 Alternative dispute resolution (ADR) 11 Competitive Landscape and Strategic Insights 11.1 Overview 11.2 Leading Companies in the Russian Life Insurance Segment 11.3 Comparison of the Top Five Insurers 11.3.1 Gross written premiums 11.3.2 Gross claims 11.3.3 Paid claims

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AArkstore enterprise 11.4 Renaissance Life Insurance Company Overview 11.4.1 Renaissance Life Insurance key facts 11.4.2 Renaissance Life Insurance key financials 11.5 AlfaStrakhovanie Life LLC Company Overview 11.5.1 AlfaStrakhovanie Life LLC key facts 11.5.2 AlfaStrakhovanie Life LLC key financials 11.6 Sberbank Insurance Company LLC Company Overview 11.6.1 Sberbank Insurance Company LLC key facts 11.6.2 Sberbank Insurance Company LLC key financials 11.7 Rosgosstrakh Life Company Overview 11.7.1 Rosgosstrakh Life key facts 11.7.2 Rosgosstrakh Life key financials 11.8 MetLife Alico Company Overview 11.8.1 MetLife Alico key facts 11.8.2 MetLife Alico key financials 11.9 Russian Standard Insurance Company Overview 11.9.1 Russian Standard Insurance key facts 11.9.2 Russian Standard Insurance key financials 11.1 Allianz Life Insurance Company, Ltd Company Overview 11.10.1 Allianz Life Insurance Company, Ltd key facts 11.10.2 Allianz Life Insurance Company Ltd key financials 11.11 Societe Generale Strakhovanie Zhizni LLC Company Overview 11.11.1 Societe Generale Strakhovanie Zhizni LLC key facts

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AArkstore enterprise 11.11.2 Societe Generale Strakhovanie Zhizni LLC key financials 11.12 CiV Life Company Overview 11.12.1 CiV Life key facts 11.12.2 CiV Life Insurance key financials 11.13 Raiffeisen Life Insurance Co, LLC Company Overview 11.13.1 Raiffeisen Life Insurance Co, LLC key facts 11.13.2 Raiffeisen Life Insurance Co, LLC key financials 12 Business Environment and Country Risk 12.1 Business Confidence 12.1.1 Market capitalization trend Moscow Stock Exchange 12.2 Economic Performance 12.2.1 GDP at constant prices (US$) 12.2.2 GDP per capita at constant prices (US$) 12.2.3 GDP at current prices (US$) 12.2.4 GDP per capita at current prices (US$) 12.2.5 GDP by key sector 12.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$) 12.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP 12.2.8 Manufacturing net output at current prices (US$) 12.2.9 Manufacturing net output at current prices as a percentage of GDP 12.2.10 Mining, manufacturing and utilities at current prices (US$) 12.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP 12.2.12 Construction net output at current prices, (US$)

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AArkstore enterprise 12.2.13 Construction net output at current prices as a percentage of GDP 12.2.14 Inflation rate 12.2.15 Exports as a percentage of GDP 12.2.16 Imports as a percentage of GDP 12.2.17 Merchandise exports growth 12.2.18 Merchandise imports growth 12.2.19 Annual average exchange rate RUBUS$ 12.3 Infrastructure 12.3.1 Total internet subscribers 12.4 Labor Force 12.4.1 Labor force 12.4.2 Unemployment rate 12.5 Demographics 12.5.1 Gross national disposable income (US$) 12.5.2 Household consumption expenditure (US$) 12.5.3 Total population 12.5.4 Urban and rural populations 12.5.5 Age distribution of the total population 13 Appendix 13.1 Methodology 13.2 Contact Timetric 13.3 About Timetric 13.4 Timetrics Services

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AArkstore enterprise 13.5 Disclaimer

List Of Tables Table 1: Insurance Industry Definitions Table 2: Russian Insurance Gross Written Premium by Segment (RUB Billion), 20092013 Table 3: Russian Insurance Gross Written Premium by Segment (US$ Billion), 20092013 Table 4: Russian Insurance Gross Written Premium by Segment (RUB Billion), 20132018 Table 5: Russian Insurance Gross Written Premium by Segment (US$ Billion), 20132018 Table 6: Russian Insurance Segmentation, Gross Written Premium (Percentage Share), 20092018 Table 7: Russian Life Insurance Gross Written Premium by Category (RUB Billion), 20092013 Table 8: Russian Life Insurance Gross Written Premium by Category (US$ Billion), 20092013 Table 9: Russian Life Insurance Gross Written Premium by Category (RUB Billion), 20132018 Table 10: Russian Life Insurance Gross Written Premium by Category (US$ Billion), 20132018 Table 11: Russian Life Insurance New Business Written Premium (RUB Billion), 20092013 Table 12: Russian Life Insurance New Business Written Premium (RUB Billion), 20132018 Table 13: Russian Life Insurance Earned Premium (RUB Billion), 20092013 Table 14: Russian Life Insurance Earned Premium (RUB Billion), 20132018 Table 15: Russian Life Insurance Sum Assured (RUB Billion), 20092013 Table 16: Russian Life Insurance Sum Assured (RUB Billion), 20132018 Table 17: Russian Life Insurance Paid Claims (RUB Billion), 20092013 Table 18: Russian Life Insurance Paid Claims (RUB Billion), 20132018 Table 19: Russian Life Insurance Incurred Loss (RUB Billion), 20092013 Table 20: Russian Life Insurance Incurred Loss (RUB Billion), 20132018

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AArkstore enterprise Table 21: Russian Life Insurance Loss Ratio (%), 20092013 Table 22: Russian Life Insurance Loss Ratio (%), 20132018 Table 23: Russian Life Insurance Commissions and Expenses (RUB Billion), 20092013 Table 24: Russian Life Insurance Commissions and Expenses (RUB Billion), 20132018 Table 25: Russian Life Insurance Combined Ratio (%), 20092013 Table 26: Russian Life Insurance Combined Ratio (%), 20132018 Table 27: Russian Life Insurance Fraud and Crimes (RUB Billion), 20092013 Table 28: Russian Life Insurance Fraud and Crimes (RUB Billion), 20132018 Table 29: Russian Life Insurance Total Assets (RUB Billion), 20092013 Table 30: Russian Life Insurance Total Assets (RUB Billion), 20132018 Table 31: Russian Life Insurance Total Investment Income (RUB Billion), 20092013 Table 32: Russian Life Insurance Total Investment Income (RUB Billion), 20132018 Table 33: Russian Life Insurance Retentions (RUB Billion), 20092013 Table 34: Russian Life Insurance Retentions (RUB Billion), 20132018 Table 35: Russian Individual Life Insurance Gross Written Premium by Category (RUB Billion), 20092013 Table 36: Russian Individual Life Insurance Gross Written Premium by Category (US$ Billion), 20092013 Table 37: Russian Individual Life Insurance Gross Written Premium by Category (RUB Billion), 20132018 Table 38: Russian Individual Life Insurance Gross Written Premium by Category (US$ Billion), 20132018 Table 39: Russian Individual Life Insurance Direct Written Premium by Category (RUB Billion), 20092013 Table 40: Russian Individual Life Insurance Direct Written Premium by Category (US$ Billion), 20092013 Table 41: Russian Individual Life Insurance Direct Written Premium by Category (RUB Billion), 20132018 Table 42: Russian Individual Life Insurance Direct Written Premium by Category (US$ Billion), 20132018 Table 43: Russian Individual Life Insurance Policies by Category (Thousand), 20092013

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AArkstore enterprise Table 44: Russian Individual Life Insurance Policies Premium by Category (Thousand), 20132018 Table 45: Russian Individual Whole Life Insurance Number of Active Policies (Thousand), 20092013 Table 46: Russian Individual Whole Life Insurance Number of Active Policies (Thousand), 20132018 Table 47: Russian Individual Whole Life Insurance Gross Written Premium (RUB Billion), 20092013 Table 48: Russian Individual Whole Life Insurance Gross Written Premium (RUB Billion), 20132018 Table 49: Russian Individual General Annuity Insurance Number of Active Policies (Thousand), 20092013 Table 50: Russian Individual General Annuity Insurance Number of Active Policies (Thousand), 20132018 Table 51: Russian Individual General Annuity Insurance Gross Written Premium (RUB Billion), 20092013 Table 52: Russian Individual General Annuity Insurance Gross Written Premium (RUB Billion), 20132018 Table 53: Russian Individual Pension Insurance Number of Active Policies (Thousand), 20092013 Table 54: Russian Individual Pension Insurance Number of Active Policies (Thousand), 20132018 Table 55: Russian Individual Pension Insurance Gross Written Premium (RUB Billion), 20092013 Table 56: Russian Individual Pension Insurance Gross Written Premium (RUB Billion), 20132018 Table 57: Russian Group Life Insurance Gross Written Premium by Category (RUB Billion), 20092013 Table 58: Russian Group Life Insurance Gross Written Premium by Category (US$ Billion), 20092013 Table 59: Russian Group Life Insurance Gross Written Premium by Category (RUB Billion), 20132018 Table 60: Russian Group Life Insurance Gross Written Premium by Category (US$ Billion), 20132018 Table 61: Russian Group Life Insurance Direct Written Premium by Category (RUB Billion), 20092013 Table 62: Russian Group Life Insurance Direct Written Premium by Category (US$ Billion), 20092013 Table 63: Russian Group Life Insurance Direct Written Premium by Category (RUB Billion), 20132018 Table 64: Russian Group Life Insurance Direct Written Premium by Category (US$ Billion), 20132018 Table 65: Russian Group Life Insurance Policies by Category (Thousand), 20092013 Table 66: Russian Group Life Insurance Policies Premium by Category (Thousand), 20132018

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AArkstore enterprise Table 67: Russian Group Whole Life Insurance Number of Active Policies (Thousand), 20092013 Table 68: Russian Group Whole Life Insurance Number of Active Policies (Thousand), 20132018 Table 69: Russian Group Whole Life Insurance Gross Written Premium (RUB Billion), 20092013 Table 70: Russian Group Whole Life Insurance Gross Written Premium (RUB Billion), 20132018 Table 71: Russian Group Superannuation Insurance Number of Active Policies (Thousand), 20092013 Table 72: Russian Group Superannuation Insurance Number of Active Policies (Thousand), 20132018 Table 73: Russian Group Superannuation Insurance Gross Written Premium (RUB Billion), 20092013 Table 74: Russian Group Superannuation Insurance Gross Written Premium (RUB Billion), 20132018 Table 75: Russian Individual Single-Premium Insurance Number of Active Policies (Thousand), 20092013 Table 76: Russian Individual Single-Premium Insurance Number of Active Policies (Thousand), 20132018 Table 77: Russian Individual Single-Premium Insurance Gross Written Premium (RUB Billion), 20092013 Table 78: Russian Individual Single-Premium Insurance Gross Written Premium (RUB Billion), 20132018 Table 79: Russian Individual Single-Premium Insurance Direct Written Premium (RUB Billion), 20092013 Table 80: Russian Individual Single-Premium Insurance Direct Written Premium (RUB Billion), 20132018 Table 81: Russian Individual Non-Single-Premium Insurance Number of Active Policies (Thousand), 20092013 Table 82: Russian Individual Non-Single-Premium Insurance Number of Active Policies (Thousand), 20132018 Table 83: Russian Individual Non-Single-Premium Insurance Gross Written Premium (RUB Billion), 20092013 Table 84: Russian Individual Non-Single-Premium Insurance Gross Written Premium (RUB Billion), 20132018 Table 85: Russian Individual Non-Single-Premium Insurance Direct Written Premium (RUB Billion), 20092013 Table 86: Russian Individual Non-Single-Premium Insurance Direct Written Premium (RUB Billion), 20132018 Table 87: Russian Group Single-Premium Insurance Number of Active Policies (Thousand), 20092013 Table 88: Russian Group Single-Premium Insurance Number of Active Policies (Thousand), 20132018 Table 89: Russian Group Single-Premium Insurance Gross Written Premium (RUB Billion), 20092013

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AArkstore enterprise Table 90: Russian Group Single-Premium Insurance Gross Written Premium (RUB Billion), 20132018 Table 91: Russian Group Single-Premium Insurance Direct Written Premium (RUB Billion), 20092013 Table 92: Russian Group Single-Premium Insurance Direct Written Premium (RUB Billion), 20132018 Table 93: Russian Group Non-Single-Premium Insurance Number of Active Policies (Thousand), 20092013 Table 94: Russian Group Non-Single-Premium Insurance Number of Active Policies (Thousand), 20132018 Table 95: Russian Group Non-Single-Premium Insurance Gross Written Premium (RUB Billion), 20092013 Table 96: Russian Group Non-Single-Premium Insurance Gross Written Premium (RUB Billion), 20132018 Table 97: Russian Group Non-Single-Premium Insurance Direct Written Premium (RUB Billion), 20092013 Table 98: Russian Group Non-Single-Premium Insurance Direct Written Premium (RUB Billion), 20132018 Table 99: Russian Non-Linked Insurance Business Number of Active Policies (Thousand), 20092013 Table 100: Russian Non-Linked Insurance Business Number of Active Policies (Thousand), 20132018 Table 101: Russian Non-Linked Insurance Business Gross Written Premium (RUB Billion), 20092013 Table 102: Russian Non-Linked Insurance Business Gross Written Premium (RUB Billion), 20132018 Table 103: Russian Non-Linked Insurance Business Direct Written Premium (RUB Billion), 20092013 Table 104: Russian Non-Linked Insurance Business Direct Written Premium (RUB Billion), 20132018 Table 105: Russian Life Insurance Direct Marketing Commission Paid (RUB Billion), 20092013 Table 106: Russian Life Insurance Direct Marketing Commission Paid (RUB Billion), 20132018 Table 107: Russian Life Insurance Gross Written Premium New Business (RUB Billion), 20092013 Table 108: Russian Life Insurance Gross Written Premium New Business (RUB Billion), 20132018 Table 109: Russian Life Insurance New Policies Sold Through Direct Marketing (Thousand), 20092013 Table 110: Russian Life Insurance New Policies Sold Through Direct Marketing (Thousand), 20132018 Table 111: Russian Life Insurance Number of Direct Marketing Distributors, 20092013 Table 112: Russian Life Insurance Number of Direct Marketing Distributors, 20132018

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AArkstore enterprise Table 113: Russian Life Insurance Bancassurance Commission Paid (RUB Billion), 20092013 Table 114: Russian Life Insurance Bancassurance Commission Paid (RUB Billion), 20132018 Table 115: Russian Life Insurance Gross Written Premium New Business (RUB Billion), 20092013 Table 116: Russian Life Insurance Gross Written Premium New Business (RUB Billion), 20132018 Table 117: Russian Life Insurance New Policies Sold Through Bancassurance (Thousand), 20092013 Table 118: Russian Life Insurance New Policies Sold Through Bancassurance (Thousand), 20132018 Table 119: Russian Life Insurance Number of Bancassurance Distributors, 20092013 Table 120: Russian Life Insurance Number of Bancassurance Distributors, 20132018 Table 121: Russian Life Insurance Commission Paid to Agencies (RUB Billion), 20092013 Table 122: Russian Life Insurance Commission Paid to Agencies (RUB Billion), 20132018 Table 123: Russian Life Insurance Gross Written Premium New Business (RUB Billion), 20092013 Table 124: Russian Life Insurance Gross Written Premium New Business (RUB Billion), 20132018 Table 125: Russian Life Insurance New Policies Sold Through Agencies (Thousand), 20092013 Table 126: Russian Life Insurance New Policies Sold Through Agencies (Thousand), 20132018 Table 127: Russian Life Insurance Number of Agencies, 20092013 Table 128: Russian Life Insurance Number of Agencies, 20132018 Table 129: Russian Life Insurance Commission Paid to Brokers (RUB Million), 20092013 Table 130: Russian Life Insurance Commission Paid to Brokers (RUB Million), 20132018 Table 131: Russian Life Insurance Gross Written Premium New Business (RUB Million), 20092013 Table 132: Russian Life Insurance Gross Written Premium New Business (RUB Million), 20132018 Table 133: Russian Life Insurance New Policies Sold Through Brokers (Thousand), 20092013 Table 134: Russian Life Insurance New Policies Sold Through Brokers (Thousand), 20132018 Table 135: Russian Life Insurance Number of Brokers, 20092013

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AArkstore enterprise Table 136: Russian Life Insurance Number of Brokers, 20132018 Table 137: Russian Life Insurance Commission Paid to Other Channels (RUB Million), 20092013 Table 138: Russian Life Insurance Commission Paid to Other Channels (RUB Billion), 20132018 Table 139: Russian Life Insurance Gross Written Premium New Business (RUB Billion), 20092013 Table 140: Russian Life Insurance Gross Written Premium New Business (RUB Billion), 20132018 Table 141: Russian Life Insurance New Policies Sold Through Other Channels (Thousand), 20092013 Table 142: Russian Life Insurance New Policies Sold Through Other Channels (Thousand), 20132018 Table 143: Russian Life Insurance Number of Distributors in Other Channels, 20092013 Table 144: Russian Life Insurance Number of Distributors in Other Channels, 20132018 Table 145: Russian Reinsurance Premium Accepted by Category (RUB Billion), 20092013 Table 146: Russian Reinsurance Premium Accepted by Category (US$ Billion), 20092013 Table 147: Russian Reinsurance Premium Accepted by Category (RUB Billion), 20132018 Table 148: Russian Reinsurance Premium Accepted by Category (US$ Billion), 20132018 Table 149: Russian Reinsurance Premium Ceded by Type of Insurance (RUB Billion), 20092013 Table 150: Russian Reinsurance Premium Ceded by Type of Insurance (US$ Billion), 20092013 Table 151: Russian Reinsurance Premium Ceded by Type of Insurance (RUB Billion), 20132018 Table 152: Russian Reinsurance Premium Ceded by Type of Insurance (US$ Billion), 20132018 Table 153: Russian Life Insurance Percentage of Reinsurance Ceded (%), 20092013 Table 154: Russian Life Insurance Percentage of Reinsurance Ceded (%), 20132018 Table 155: Russia Life Insurance Regulatory Framework Table 156: Russia Property Insurance Regulatory Framework Table 157: Russia Motor Insurance Regulatory Framework Table 158: Russia Liability Insurance Regulatory Framework

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AArkstore enterprise Table 159: Russia Compensation Provided by the Insurer under OSAGO Table 160: Russia Compensation Provided by the Insurer in the Event of Accident by Domestic Air Carriage Table 161: Russia Minimum Capital Requirements Table 162: Russia Corporate Tax Rates in Russia for the Financial Year 2013 Table 163: Russian Life Insurance Written Premiums by Leading Companies (Percentage Share), 2013 Table 164: Renaissance Life Insurance, Key Facts Table 165: Renaissance Life Insurance, Key Financials (RUB Million) Table 166: AlfaStrakhovanie Life LLC, Key Facts Table 167: AlfaStrakhovanie Life LLC, Key Financials (RUB Million) Table 168: Sberbank Insurance Company LLC Key Facts Table 169: Sberbank Insurance Company LLC, Key Financials (RUB Million) Table 170: Rosgosstrakh Life, Key Facts Table 171: Rosgosstrakh Life, Key Financials (RUB Million) Table 172: MetLife Alico, Key Facts Table 173: MetLife Alico, Key Financials (RUB Million) Table 174: Russian Standard Insurance Key Facts Table 175: Russian Standard Insurance, Key Financials (RUB Million) Table 176: Allianz Life Insurance Company Ltd Key Facts Table 177: Allianz Life Insurance Company Ltd, Key Financials (RUB Million) Table 178: Societe Generale Strakhovanie Zhizni LLC Key Facts Table 179: Societe Generale Strakhovanie Zhizni LLC, Key Financials (RUB Million) Table 180: CiV Life Key Facts Table 181: CiV Life Insurance, Key Financials (RUB Million)

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AArkstore enterprise Table 182: Raiffeisen Life Insurance Co, LLC Key Facts Table 183: Raiffeisen Life Insurance Co, LLC, Key Financials (RUB Million)

List Of Figures Figure 1: BRICS Region A Snapshot of the Economies and Populations, 2011 Figure 2: BRICS Region Growth Trends in the Insurance Industry Figure 3: BRICS Region GDP at Constant Prices (US$ Trillion) and Annual Per Capita Disposable Income (US$), 2007 and 2011 Figure 4: BRICS Region Health Expenditure Per Capita (US$), 2007 and 2011 Figure 5: BRICS Insurance Total Industry Values by Segment (US$ Billion), 2011 Figure 6: BRICS Life Insurance Gross Written Premiums (US$ Billion), 2011 Figure 7: BRICS Life Insurance Premium Per Capita (US$), 2011 Figure 8: BRICS Life Insurance Penetration as a Percentage of GDP (%), 2011 and 2016 Figure 9: BRICS Life Insurance Gross Written Premium Growth (%), 20072016 Figure 10: BRICS Life Insurance Gross Written Premium per Capita Growth (%), 20072016 Figure 11: BRICS Life Insurance Loss Ratios (%), 2011 and 2016 Figure 12: BRICS Life Insurance Combined Ratios (%), 2011 and 2016 Figure 13: BRICS Life Insurance Incurred Losses per Capita (US$), 2011 and 2016 Figure 14: BRICS Life Insurance Incurred Losses as a Percentage of GDP (%), 2011 and 2016 Figure 15: BRICS Direct Marketing Share of Life insurance New Business Gross Written Premium (%), 20072016 Figure 16: BRICS Bancassurance Share of Life insurance New Business Gross Written Premium (%), 20072016 Figure 17: BRICS Agencies Share of Life insurance New Business Gross Written Premium (%), 20072016 Figure 18: Russian Insurance Gross Written Premium by Segment (RUB Billion), 20092018

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AArkstore enterprise Figure 19: Russian Insurance Dynamics by Segment, Gross Written premium (20092018) Figure 20: Russian Life Insurance Gross Written Premium by Category (RUB Billion), 20092018 Figure 21: Russian Life Insurance Gross Written Premium by Category (Percentage Share), 2013 and 2018 Figure 22: Russian Life Insurance Dynamics by Category, 20092018 Figure 23: Russian Life Insurance New Business Written Premium (RUB Billion), 20092013 Figure 24: Russian Life Insurance New Business Written Premium (RUB Billion), 20132018 Figure 25: Russian Life Insurance Earned Premium (RUB Billion), 20092013 Figure 26: Russian Life Insurance Earned Premium (RUB Billion), 20132018 Figure 27: Russian Life Insurance Sum Assured (RUB Billion), 20092013 Figure 28: Russian Life Insurance Sum Assured (RUB Billion), 20132018 Figure 29: Russian Life Insurance Paid Claims (RUB Billion), 20092013 Figure 30: Russian Life Insurance Paid Claims (RUB Billion), 20132018 Figure 31: Russian Life Insurance Incurred Loss (RUB Billion), 20092013 Figure 32: Russian Life Insurance Incurred Loss (RUB Billion), 20132018 Figure 33: Russian Life Insurance Loss Ratio (%), 20092013 Figure 34: Russian Life Insurance Loss Ratio (%), 20132018 Figure 35: Russian Life Insurance Commissions and Expenses (RUB Billion), 20092013 Figure 36: Russian Life Insurance Commissions and Expenses (RUB Billion), 20132018 Figure 37: Russian Life Insurance Combined Ratio (%), 20092013 Figure 38: Russian Life Insurance Combined Ratio (%), 20132018 Figure 39: Russian Life Insurance Fraud and Crimes (RUB Billion), 20092013 Figure 40: Russian Life Insurance Fraud and Crimes (RUB Billion), 20132018 Figure 41: Russian Life Insurance Total Assets (RUB Billion), 20092013

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AArkstore enterprise Figure 42: Russian Life Insurance Total Assets (RUB Billion), 20132018 Figure 43: Russian Life Insurance Total Investment Income (RUB Billion), 20092013 Figure 44: Russian Life Insurance Total Investment Income (RUB Billion), 20132018 Figure 45: Russian Life Insurance Retentions (RUB Billion), 20092013 Figure 46: Russian Life Insurance Retentions (RUB Billion), 20132018 Figure 47: Russian Life Insurance Investment Portfolio (RUB Billion), 20092013 Figure 48: Russian Life Insurance Investment Portfolio, 2009 and 2013 Figure 49: Russian Life Insurance Penetration (%), 20092013 Figure 50: Russian Life Insurance Density (Number of Policies per Capita), 20092013 Figure 51: Russian Life Insurance Number of Active Policies (Thousand), 20092013 Figure 52: Russian Life Insurance Number of Active Policies (Thousand), 20132018 Figure 53: Russian Life Insurance Number of New Policies Sold (Thousand), 20092013 Figure 54: Russian Life Insurance Number of New Policies Sold (Thousand), 20132018 Figure 55: Russian Life Insurance Premium per Capita (RUB), 20092013 Figure 56: Russian Individual Life Insurance Gross Written Premium by Category (RUB Billion), 20092018 Figure 57: Russian Individual Life Insurance Gross Written Premium by Category (Percentage Share), 2013 and 2018 Figure 58: Russian Individual Life Insurance Dynamics by Category, 20092018 Figure 59: Russian Individual Life Insurance Direct Written Premium by Category (RUB Billion), 20092018 Figure 60: Russian Individual Life Insurance Direct Written Premium by Category (Percentage Share), 2013 and 2018 Figure 61: Russian Individual Life Insurance Dynamics by Category, 20092018 Figure 62: Russian Individual Life Insurance Policies by Category (Thousand), 20092018 Figure 63: Russian Individual Life Insurance Policies by Category (Percentage Share), 2013 and 2018 Figure 64: Russian Individual Life Insurance Dynamics by Category, 20092018

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AArkstore enterprise Figure 65: Russian Individual Whole Life Insurance Number of Active Policies (Thousand), 20092013 Figure 66: Russian Individual Whole Life Insurance Number of Active Policies (Thousand), 20132018 Figure 67: Russian Individual Whole Life Insurance Gross Written Premium (RUB Billion), 20092013 Figure 68: Russian Individual Whole Life Insurance Gross Written Premium (RUB Billion), 20132018 Figure 69: Russian Individual General Annuity Insurance Number of Active Policies (Thousand), 20092013 Figure 70: Russian Individual General Annuity Insurance Number of Active Policies (Thousand), 20132018 Figure 71: Russian Individual General Annuity Insurance Gross Written Premium (RUB Billion), 20092013 Figure 72: Russian Individual General Annuity Insurance Gross Written Premium (RUB Billion), 20132018 Figure 73: Russian Individual Pension Insurance Number of Active Policies (Thousand), 20092013 Figure 74: Russian Individual Pension Insurance Number of Active Policies (Thousand), 20132018 Figure 75: Russian Individual Pension Insurance Gross Written Premium (RUB Billion), 20092013 Figure 76: Russian Individual Pension Insurance Gross Written Premium (RUB Billion), 20132018 Figure 77: Russian Group Life Insurance Gross Written Premium by Category (RUB Billion), 20092018 Figure 78: Russian Group Life Insurance Gross Written Premium by Category (Percentage Share), 2013 and 2018 Figure 79: Russian Group Life Insurance Dynamics by Category, 20092018 Figure 80: Russian Group Life Insurance Direct Written Premium by Category (RUB Billion), 20092018 Figure 81: Russian Group Life Insurance Direct Written Premium by Category (Percentage Share), 2013 and 2018 Figure 82: Russian Group Life Insurance Dynamics by Category, 20092018 Figure 83: Russian Group Life Insurance Policies by Category (Thousand), 20092018 Figure 84: Russian Group Life Insurance Policies by Category (Percentage Share), 2013 and 2018 Figure 85: Russian Group Life Insurance Dynamics by Category, 20092018 Figure 86: Russian Group Whole Life Insurance Number of Active Policies (Thousand), 20092013 Figure 87: Russian Group Whole Life Insurance Number of Active Policies (Thousand), 20132018

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AArkstore enterprise Figure 88: Russian Group Whole Life Insurance Gross Written Premium (RUB Billion), 20092013 Figure 89: Russian Group Whole Life Insurance Gross Written Premium (RUB Billion), 20132018 Figure 90: Russian Group Superannuation Insurance Number of Active Policies (Thousand), 20092013 Figure 91: Russian Group Superannuation Insurance Number of Active Policies (Thousand), 20132018 Figure 92: Russian Group Superannuation Insurance Gross Written Premium (RUB Billion), 20092013 Figure 93: Russian Group Superannuation Insurance Gross Written Premium (RUB Billion), 20132018 Figure 94: Russian Individual Single-Premium Insurance Number of Active Policies (Thousand), 20092013 Figure 95: Russian Individual Single-Premium Insurance Number of Active Policies (Thousand), 20132018 Figure 96: Russian Individual Single-Premium Insurance Gross Written Premium (RUB Billion), 20092013 Figure 97: Russian Individual Single-Premium Insurance Gross Written Premium (RUB Billion), 20132018 Figure 98: Russian Individual Single-Premium Insurance Direct Written Premium (RUB Billion), 20092013 Figure 99: Russian Individual Single-Premium Insurance Direct Written Premium (RUB Billion), 20132018 Figure 100: Russian Individual Non-Single-Premium Insurance Number of Active Policies (Thousand), 20092013 Figure 101: Russian Individual Non-Single-Premium Insurance Number of Active Policies (Thousand), 20132018 Figure 102: Russian Individual Non-Single-Premium Insurance Gross Written Premium (RUB Billion), 20092013 Figure 103: Russian Individual Non-Single-Premium Insurance Gross Written Premium (RUB Billion), 20132018 Figure 104: Russian Individual Non-Single-Premium Insurance Direct Written Premium (RUB Billion), 20092013 Figure 105: Russian Individual Non-Single-Premium Insurance Direct Written Premium (RUB Billion), 20132018 Figure 106: Russian Group Single-Premium Insurance Number of Active Policies (Thousand), 20092013 Figure 107: Russian Group Single-Premium Insurance Number of Active Policies (Thousand), 20132018 Figure 108: Russian Group Single-Premium Insurance Gross Written Premium (RUB Billion), 20092013 Figure 109: Russian Group Single-Premium Insurance Gross Written Premium (RUB Billion), 20132018

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AArkstore enterprise Related reports: Healthcare Insurance in New Zealand to 2018: Market Databook Life Insurance Policies and Premiums in Paraguay to 2018: Market Databook Personal Accident and Health Insurance Claims and Expenses in Paraguay to 2018: Market Databook Non-Life Insurance Claims and Expenses in South Africa to 2018: Market Databook Personal Accident and Health Insurance Claims and Expenses in South Africa to 2018: Market Databook Personal Accident and Health Insurance Policies and Premiums in Tanzania to 2018: Market Databook Life Insurance Premiums and Claims in Ghana to 2018: Market Brief Non-Life Insurance Premiums and Claims in Hungary to 2018: Market Brief Life Insurance Premiums and Claims in Zimbabwe to 2018: Market Brief Personal Accident Insurance in New Zealand to 2018: Market Databook

About Aarkstore Enterprise Aarkstore Enterprise is a leading provider of business and financial information and solutions worldwide. We specialize in providing online market business information on market research reports, books, magazines, conference at competitive prices, and strive to provide excellent and innovative service to our customers.

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AArkstore enterprise Contact Details: Sangam Aarkstore Enterprise Phone: +91 998 729 5242 Email: enquiry@aarkstore.com Our Website: http://www.aarkstore.com Facebook: https://www.facebook.com/aarkstoredotcom Linkedin: http://www.linkedin.com/company/aarkstore-enterprise

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