Aarkstore Enterprise: Life Insurance in Russia, Key Trends and Opportunities To 2018

Aarkstore Enterprise
Website : http://www.aarkstore.com/

11
th
October 2014
Life Insurance in Russia, Key Trends and Opportunities to 2018

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

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



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.



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
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
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
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
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
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
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
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$)
12.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
12.2.12 Construction net output at current prices, (US$)
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
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
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
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
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
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 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
Table 113: Russian Life Insurance Bancassurance Commission Paid (RUB Billion), 20092013
Table 114: Russian Life Insurance Bancassurance Commission Paid (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 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
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 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
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)
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
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
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 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 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 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 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
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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