Non-Life/ Property & Casualty Insurance Industry

1. Non-Life (Property/Casualty, General) Insurance - An Overview

Emerging Markets - Hot Cake for Insurers

Key Insurance Segments Covered

2. Personal Lines

3. Commercial Insurance

An Outline of Various Commercial Lines

Insurance Programs - Meeting Unique Needs

Complexity - A Key Characteristic

At No Risk of Disappearing

4. Segment Overview

Auto Insurance

Homeowners’ Insurance

Common Types of Protection

Structure of the House

Personal Belongings

Liability Protection

Additional Living Expenses

Savings on Renters Insurance

Customer Guidelines

Insurance for Boats and Personal Watercraft

Household Help Insurance

Contracting with an Outside Firm

Occasional Workers

Permanent Employees

Auto Insurance

Business Owner’s Policy

Scope of Coverage

Need for Business Interruption Insurance

The Exclusions

Building a Disaster Proof Business

Business Interruption Coverage - Where To?

Credit Insurance

Credit Insurance Sector Poised for Substantial Growth

Travel Insurance

Basics of Travel Insurance

Current Scenario

The Concept

The Need

The Scope

Free Services

Exclusions

The Shortcomings

Travel Insurance Terms and Definitions

Types of Travel Risks

Cancellation

Curtailment

Medical Expenses

Baggage Loss

Types of Travel Insurance

International Health Insurance

Individual Health Insurance Plans Based in the US

Trip Insurance/Short-term Travel Insurance

Long-Term International Health Insurance (Only Overseas Coverage)

Long-Term International Health Insurance (Includes Home Country Coverage)

Customer Considerations

Choosing a Product

Affordable Alternatives

Customer Checklist

International Medical Insurance

Air Travel Insurance Getting Costlier Post 9/11

Growth Prospects

Aviation Insurance

Losses Bottom Out

Limits for Popular Jets:

AVN48 Clause

Premiums Spiral Up

Terrorism Insurance

Insurance Industry - Terrorist Attack and the Aftermath

Government Cover for Insurance Industry Against Terrorist Risks in Various Countries

France

Germany

The UK

Spain

South Africa

Israel

US - Terrorism Risk Insurance Act Amended

Workers Compensation Insurance

Regulatory Hurdles

Role of Wholesalers

Saving the Sinking Ship

Outlook

Fidelity Insurance

Cyber Crime and Fidelity Insurance

Rise in Internet Connections Contribute to the Problem

Low Premiums a Cause for Concern

Fidelity and Globalization

Employment Practices Liability Insurance

Comes Into Focus

Insurers Doing Their Bit

Nobody’s Immune

Smaller Employers - Take it Too Easy?

Larger Companies - Oversights May Prove Costly

What’s Driving Claims?

Internet for Risk Management

Outlook

D&O Insurance

Recognizing Liabilities of Top Executives

A Key Component of Liability Coverage

Market Scenario

Capacity Trends

Increased Rates

Mounting Losses

Key Market Characteristics

Basic Duties of D’s & O’s

Table 1: US D&O Claims by Type of Claimant (includes corresponding Graph/Chart)

A Nightmare for Underwriter

Securities Litigation

Outlook

Insurance for Nonprofits - Impact of a Hardening Market

Structural Differences Prove a Hindrance

Looking Towards Purchasing Groups

Property Coverage to Become Scarce

Opportunities Do Exist

Insurance for Public Entities

Role of Insurance Pools

Schools Hit Hard

Carriers Have the Say

Outlook

Environmental Pollution Policies - Not Just for Industries

A Complex Market

Transaction Insurance

Why the Sudden Rush?

Upswing for Dry Cleaners Pollution Policies

Policies for Contractors

Signing of the UN Statement

Techniques For Inspecting Environmental Claims- Related Sites

The Superfund Issue

Fine Art Policies - Insuring Treasures

Types of Policies

Theft, not the No.1 Risk

Yet, Risk of Theft Cannot be Ignored

Focus on Customer Service

Spectator Liability Insurance

The Darker Side of Sporting Events

The Need for Spectator Liability Coverage

Stadiums and Structures on Red Alert

Terrorism Exclusion Comes As a Breather

Event Cancellation Coverage

Tough Times

Other Key Categories

Medical Malpractice

Definition and Causes

Preventing Malpractice Claims

Some Solutions

Public Education

Improved Legal Defense

Tort Reform

Political Risk Insurance

Companies’ Scare for Political Risks Boosts Prospects

A Review of Past

Pricing

Insurance for the Film Industry

Insurance Keeps Hollywood in ‘Motion’

Completion Bonding - Entrenched

The New Entrants

Intellectual Property Coverage - Valuing Intangibles

The Obstacles

There is a Need

Marine (Hull And Cargo) Insurance Worldwide

Dogged by Capacity Concerns

Cargo Insurance

Online Risks - New Age Perils

First-Party Damage

Third-Party Liability

Insurance for Chemical Industry

Problems Aplenty for Chemical Processing Industry

Rise in Claims

Rise in Prices

Reasons for Price Increase

Entry of New Insurers

Exclusions from Liability Risk

Diligence is the Buzz Word!

Alternative Risk Transfer Gaining Momentum

5. Regional Perspective >

Table 2: Global General Insurance Industry (2004): Leading Countries By Premium Volume as Percentage Share of GDP

Table 3: Global General Insurance Industry (2004): Leading Countries By Per Capita Premiums

Table 4: Top Ten Global Casualty/Property Companies (2005): Companies Ranked by Revenue in US$ Million for Allianz, AIG, Berkshire Hathaway, Munich Re, Zurich Financial Services, State Farm Insurance Cos., All State, Swiss Re, Millea Holdings and St Paul Travelers Cos) (includes corresponding Graph/Chart)

5a. United States

US - World’s Biggest Insurance Hub

Current & Future Analysis

Table 5: US Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Direct Premiums Written in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 6: US Non-Life Insurance Industry: Premium Income in US$ Billion, Per Capita Premium in US$, and Penetration Rate for 2006 (includes corresponding Graph/Chart)

Hurricane Havoc

Hurricanes in 2007 to Influence Insurance Market in 2008

Table 7: US P&C Insurance Market (2005 & 2006): Insured Catastrophe Losses in US$ Billion

The US Insurance Industry Achieves Best Underwriting Performance in 2006

Life & Health Overtakes P&C Insurance Lines

Heading for a Margin Squeeze

Around the Corner

2007: Overview

Table 8: US Property & Casualty Insurance Market (2006 & 2007): Percentage Breakdown of Direct Premiums Written by Category for Private Passenger Auto, Homeowners Multiple Peril, Workers Compensation, Commercial Multiple Peril, Commercial Auto, Inland Marine, Medical Malpractice, Fire, Accident & Health, Mortgage Guaranty, and Other Insurance (includes corresponding Graph/Chart)

Table 9: Leading Players in the US Property/Casualty Insurance Market (2006): Revenues in US$ Billion by Company - American International Group, Berkshire Hathaway, State Farm Insurance Cos., Allstate and Hartford Financial Services (includes corresponding Graph/Chart)

Prices to Stabilize in Near Future

Fundamental Risks Loom Large

Liability Insurance - A Major Concern

Market Scan - 2005

Property & Casualty Insurance - Stunned by the Storms

Table 10: US Property Insurance Market: Leading Disasters by Industry Losses in US$ Billion

Premium Growth

Pricing

Capacity

Coverage

Terrorism

Rising Tort Costs

Renewals Soften

Offshore Energy Market and Onshore Property Insurance Market

Aviation Insurance

Construction Insurance

Excess Casualty Insurance

Marine Insurance

Professional Liability Insurance

2004: A Review

P & C Insurance Market Highlights - 2004

Table 11: US Property & Casualty Insurance Market (2004): Percentage Breakdown of Net Premiums Written by Line - Accident & Health, Commercial Lines, and Personal Lines (includes corresponding Graph/Chart)

Table 12: US Personal Lines Insurance Market (2004): Percentage Breakdown of Net Premiums Written by Segment - Private Passenger Auto Liability, Homeowners Multi Peril, and Private Passenger Auto Physical Damage (includes corresponding Graph/Chart)

Market Heads Towards Recovery

Premiums and Pricing

Deductibles

Terrorism

Insurers Increasingly Rely on Segmentation to Cut Pricing Risks

Combined Ratio and Source of Income

Table 13: US Insurance Industry (2002-2004): Percentage of Investments by Property/Casualty Insurers in Bonds, Stocks (Preferred & Common), Mortgage Loans on Real Estate and Others (includes corresponding Graph/Chart)

Policyholder Surplus

Expense Ratio

Issue on Tort Costs

Surging Losses from Asbestos and Environmental (A&E) Claims

Casualty Insurance

Table 14: Leading Players in the US Group Casualty Market: 2003 (includes corresponding Graph/Chart)

Table 15: US Other Accident & Health Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)

Table 16: US Private Passenger Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)

Table 17: US Commercial Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)

Table 18: US Other Liability/Casualty Insurance Market (2003): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)

A Backgrounder

Industry Hit Hard by Global Climatic Changes

Top Natural Catastrophes in the US - 2003 & 2004

A Perspective of P&C Losses

Table 19: US Property-Casualty Insurance Losses from Catastrophic Events for 1991 to 2004 (Losses in US$ billion)

Key Trends and Issues

Outlook for Property/Casualty Insurance Industry

Regional Insurers Gain Ground

‘Risk’ is the Bait for Business

Small Insurers Keep Afloat

Disaster Prone Areas Face Lesser Insurance Coverage

Hurricane Losses Expand Coverage for Homeowners Insurance

Wave of Demutualization Activity Marks US Insurance Industry

US Government Opposes Extension of Terrorism Insurance

Insurance Frauds - A Major Challenge to Industry

Table 20: US’ Insurance Fraud Costs (In US$ Billion) by Sector (2000) (includes corresponding Graph/Chart)

Regulatory Setup to Handle Insurance Frauds

Proposition 103 Keeps Insurance Rates in Check

Effects of Florida’s Insurance Reform

New Property Insurance Legislation in Florida

Guaranty Funds

Insolvency Rates of US P/C Companies On Rise

Table 21: Principal Factors Causing Insolvency in the US Property/Casualty Insurance Market (2002) (includes corresponding Graph/Chart)

Table 22: Insolvency Rates for US P/C Companies by Year (1993- 2002) (includes corresponding Graph/Chart)

September 11: The Aftershocks

9/11 - The Costliest Insured Disaster

Estimated Insurance Payments Related to Sept. 11 2001, by Sector (In US$)

Table 23: September 11: Estimates of Losses for US Insurance Industry (In US$ Billion) (includes corresponding Graph/Chart)

The Ripples from WTC Disaster

Skyrocketing Insurance Rates

The Other Cause

Corporate America Shuns Traditional Insurance

All Eyes Turn Towards Catastrophe Modeling

The Recessionary Climate

Sustained Underpricing

Medical Inflation

Corporate Failures

Abuse of the Legal System

Functioning of Insurance Companies

Comparative Study of the US vis-à-vis Europe

No. of Insurance Companies in the US by State and Category: 2002-2003

Need to Overcome the Hurdles

Non-Life Insurance

P&C Industry Posts Profits - A 2005 Perspective

P&C Sector Concentrates on Diversified Sales Channels

Table 24: US Property & Casualty Insurance Industry (2005): Percentage Breakdown of Direct Premiums Written by Category -Commercial Auto Liability, Commercial Auto Physical Damage, Commercial Multiple Peril, Homeowners Multiple Peril, Private Passenger Auto Liability, Private Passenger Auto Physical Damage, Fire, Inland Marine, Workers' Compensation, Medical Malpractice, and Others (includes corresponding Graph/Chart)

Major Players

Table 25: Leading Players in the US Private Passenger Auto Insurance Market (2006): Direct Premiums Written in US$ Billion by Company -State Farm Mutual Group, Allstate Insurance Co. Group, Progressive Casualty Group, National Indemnity Co. Group (Berkshire Hathaway), Farmers Insurance Group, Nationwide Group, United Services Automobile Association Group, American International Group, Liberty Mutual Group and American Family Insurance Group (includes corresponding Graph/Chart)

Table 26: US Passenger Auto Insurance Industry (2006): Percentage Breakdown of Expenses and Claims in Relation to Premiums (includes corresponding Graph/Chart)

Table 27: US Auto Insurance Market (2005 & 2006): Percentage Breakdown of Losses by Category for Private Passenger Liability, Private Passenger Physical Damage, Commercial Auto Liability, and Commercial Auto Physical Damage (includes corresponding Graph/Chart)

Table 28: Leading Players in the US Homeowners Insurance Market (2006): Direct Premiums Written in US$ Billion by Company - State Farm Mutual Group, Allstate Insurance Group, Zurich Insurance Group, Nationwide Group, Travelers Group, USAA Group, Liberty Mutual Insurance Group, Chubb & Son Group, American Family Insurance Group and Hartford Fire & Casualty Group (includes corresponding Graph/Chart)

Table 29: US Homeowners Insurance Market (2005 & 2006): Percentage Breakdown of Losses by Claim Category for Property Damage (Fire, Lightning and Debris Removal, Wind and Hail, Water and Freezing, Theft, and Other Property Damage) and Liability (includes corresponding Graph/Chart)

Table 30: US Homeowners Insurance Market (2006): Leading States in the US by Direct Premiums in US$ Million (includes corresponding Graph/Chart)

Table 31: Leading Players in US Property & Casualty Insurance Industry (2005): Net Written Premiums in US$ Million for Amer Intl Group, Allstate Ins Group, Berkshire Hathaway, Farmers Ins Group, Hartford Ins Group, Liberty Mutual, Nationwide Group, Progressive Ins Group, State Farm Group, and St. Paul Travelers Group (includes corresponding Graph/Chart)

Table 32: US Non-life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for State Farm Mutual Group, American International Group, Allstate Insurance Co. Group, Liberty Mutual Group, Travelers Property Casualty Corp. & Affiliates, Farmers Insurance Group, Nationwide Group, Zurich Insurance Co. Group, Progressive Casualty Group, and Continental Casualty Group (CNA) (includes corresponding Graph/Chart)

TRIA

Casualty Market

Coverage and Restrictions

Casualty Alternative Risk Transfer & Integrated Risk

Blended and Finite Risk

Swing Plans & Captives

Key Statistics

Table 33: US Property/Casualty Insurance Market: Percentage Share Breakdown by Dollars of Direct Premiums Written by Segment for 2003 (includes corresponding Graph/Chart)

Table 34: US Inland Casualty Insurance Market (2004 & 2005): Percentage Market Share of Leading Companies (includes corresponding Graph/Chart)

Table 35: Leading Players in the US Inland Casualty Market: 2003 (includes corresponding Graph/Chart)

Competitive Scenario

A Fragmented Industry

Table 36: Leading Players in US Property & Casualty Market (2003): Percentage Share Breakdown by Net Written Premium for State Farm Group, American International Group I, Allstate Insurance Group, Zurich/Farmers Group, Berkshire Hathaway Ins. Group, Nationwide Group, St. Paul Travelers Cos, Liberty Mutual Insurance Cos, Progressive Insurance Group, Chubb Group of Insurance Cos. and Others (includes corresponding Graph/Chart)

Table 37: Leading Property/Casualty (P/C) Insurance Players by Revenues: 2003 (includes corresponding Graph/Chart)

Table 38: Leading Property/Casualty Reinsurers by Net Premium Written in the US: 2003 (In US$ Billion) (includes corresponding Graph/Chart)

P/C - Before and After 9/11

P/C Before 9/11

Property / Casualty Industry - After September 11

Toughening Trends

Bleak Picture - Better Prospects

Recovery Springs from Within

Effective Capital Deployment and Customer Confidence - Key to Recovery

5b. Canada

Positive Economy - A Reason to Cheer

Market Overview

Table 39: Canadian Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 40: Non-Life Insurance Industry in Canada: Per Capita Premium in US$, and Penetration Rate for 2006

Table 41: Canadian General Insurance Market (2007 & 2008): Percentage Breakdown of Premiums by Category for Automobile, Personal Property, Liability, Commercial Property, Accident & Sickness, and Others (includes corresponding Graph/Chart)

Table 42: Canadian P&C Insurance Market (2003): Percentage Share Breakdown of Net Premium (In $ Million) for Automotive, Commercial Property, Personal Property, Liability, and Others (includes corresponding Graph/Chart)

Upholding Long Term Profitability is Intricate

Types of P&C Insurance

Automobile Insurance

Table 43: Canadian Automobile Insurance Market (2005 & 2006): Percentage Breakdown of Net Premiums Written and Claims Paid by Segment - Personal, Liability, and Others (includes corresponding Graph/Chart)

Auto Insurance in Canadian Provinces

Auto Insurance Rating

Latest Rules for Auto Insurance Rate Making

Rising Claims Propel Policy Growth

Property Insurance

Insurance of Personal Property

Table 44: Canadian Property Insurance Market (2005 & 2006): Net Premiums Written and Claims Paid in US$ Million by Segment - Personal, and Commercial (includes corresponding Graph/Chart)

Other Forms of P&C Insurance

Table 45: Canadian P&C Insurance Market (2005 & 2006): Net Premiums Written and Claims Paid in US$ Million for Select Types - Accident & Sickness, Aircraft, Boiler & Machinery, Hail, Marine, Surety, and Fidelity Insurance (includes corresponding Graph/Chart)

Close Ties with Government Boost Operational Performance

Taxes on Premiums

Non-Admitted Coverage

Brokers - Writers of Commercial Insurance

The Property and Casualty Insurance Compensation Corporation (PACICC)

By Segment

Property

Boiler and Machinery

Engineering/Construction

Upholding Long Term Profitability is Intricate

Stringent Regulations Create Market Imbalance

High Taxes Burden Industry

Re-building Trust & Confidence

P&C Competitive Scenario

A Fragmented Industry

Leading Players by Net Written Premium

Table 46: Canadian P&C Insurance Industry (2003): Percentage Share Breakdown of Net Written Premium by Leading Players for ING, Aviva, Co-operators, Economical, State Farm, Desjardins, Wawanesa, Royal & Sun Alliance, AXA, Dominion and Others (includes corresponding Graph/Chart)

Leading Players by Gross Written Premium

Table 47: Canadian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for ING Canada, AVIVA, Co-operators, Economical Ins, State Farm, Desjardins, Wawanesa Mutual, Royal & SunAlliance, AXA Canada, and Dominion of Canada (includes corresponding Graph/Chart)

Table 48: Top-Five Players in the Canadian Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for ING Canada, AVIVA, Co-operators, Royal & SunAlliance, and Economical Ins (includes corresponding Graph/Chart)

Leading Players by Assets

Table 49: Canadian P & C Insurance Industry (2003): Leading Players by Value Assets in Can$ Million for ING Canada, Aviva Canada Inc., Royal & SunAlliance, Co-operators Group, Economical Ins. Group, State Farm Ins. Co's, Wawanesa Mutual, AXA Canada Inc. Liberty Mutual Group, and American Home Assurance (includes corresponding Graph/Chart)

5c. Japan

Japan - A Leading Insurance Market Worldwide!

Table 50: Japanese Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premiums in US$ Billion for Fiscal Years 2005 through 2010 (includes corresponding Graph/Chart)

General /Non-Life Insurance Market Overview

Table 51: Japanese General Insurance Industry (FY2005-FY2007E): Percentage Breakdown of Direct Premiums by Category for Automobile (Voluntary), Fire, Personal Accident, Automobile (Compulsory), and Miscellaneous (includes corresponding Graph/Chart)

Table 52: Japanese General Insurance Industry (FY2005-FY2007E): Percentage Breakdown of Net Premiums by Category for Automobile (Voluntary), Automobile (Compulsory), Fire, Personal Accident, and Miscellaneous (includes corresponding Graph/Chart)

Table 53: Japanese General/Non-Life Insurance Companies - Key Statistics (FY2005)

Table 54: Japanese Market for General/Non-Life Insurance (2005): Direct Claims in Billion Yen, and Percentage Breakdown by Business Segment - Compulsory Automobile Liability, Fire, Marine & Inland Transit, Personal Accident, Voluntary Automobile, and Miscellaneous Casualty (includes corresponding Graph/Chart)

Table 55: Japanese Market for General/Non-Life Insurance (2004): Percentage Value Breakdown of Net Premium by Segment - Auto (Compulsory, Voluntary), Fire, Miscellaneous Casualty, Personal Accident and Marine & Inland Transit (includes corresponding Graph/Chart)

Tokio Leads the Pack

Table 56: Leading Players in Japanese Non-Life Insurance Market (2004): Percentage Market Share by Company - Aioi Insurance, Fuji Fire & Marine, Kyoei, Mitsui Sumitomo, Nipponkoa, Nissay Dowa, Nisshin Fire & Marine, Sompo Japan, Tokio Marine Nichido, and Others (includes corresponding Graph/Chart)

Table 57: Japanese Non-Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for Tokio, Mitsui Sumitomo, Sompo Japan, Aioi, Nippon Koa, Nichido, Nissay Dowa, Fuji, AIU, and Kyoei (includes corresponding Graph/Chart)

Classification of Foreign Non-Life Insurance Firms

Investment Framework

Distribution

Table 58: Japanese General/Non-Life Insurance Market (2005): Percentage Breakdown of Direct Premium Generation by Distribution Channel - Agents, Brokers, and Direct Distribution (includes corresponding Graph/Chart)

Table 59: Japanese General/Non-Life Insurance Market: Total Direct Premiums Collected by Distribution Channel (2001-2002) in Million Yen (includes corresponding Graph/Chart)

Property Insurance

Other Insurance Sectors

“Third Sector” in Japan

Savings Type Insurance Market

Facts & Figures - A Snapshot of the Japanese Insurance Industry in Recent Past

Table 60: Top-Five Players in the Japanese Non-Life Insurance Market (2002) - Gross Written Premiums in US$ Million for Tokio Marine, Sompo Japan, Mitsui Sumitomo, NipponKoa, and Aioi (includes corresponding Graph/Chart)

Table 61: Japanese General/Non-Life Insurance Companies - Key Statistics (2002) (includes corresponding Graph/Chart)

Table 62: Japanese General/Non-Life Insurance Market: Net Premiums by Category (2001-2002) in Million ¥ (includes corresponding Graph/Chart)

Table 63: Japanese General/Non-Life Insurance Market: Total Direct Premiums of Foreign General Insurance Firms by Category (2001-2002) in Million ¥ (includes corresponding Graph/Chart)

Table 64: Japanese General/Non-Life Insurance Market: Direct Claims Paid (2001-2002) by Category in Million ¥ (includes corresponding Graph/Chart)

Table 65: Direct Premiums Written Abroad by Japanese General/Non-Life Insurers (in Million ¥) for 2001 & 2002 (includes corresponding Graph/Chart)

Performance Indicators of Insurers: 2000

Table 66: Leading Japanese Non-Life Insurers’ Performance Indicators: 2000 (¥ Billion)

Disaster Claims

Table 67: Key Personal Accident Insurers in Japan by Net Premiums Written: 2000 (In ¥ Billion) (includes corresponding Graph/Chart)

Table 68: Japanese Personal Accident Insurance Market: Direct Claims Paid Out by Insurers: 1995-2002 (In ¥ Billion) (includes corresponding Graph/Chart)

5d. Europe

Market Growth

Non-Life Insurance - Loosing Its Sheen?

European Insurance Industry

Table 69: European Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 70: European Recent Past, Current & Future Analysis for Non-Life Insurance Industry by Leading Country/ Region - United Kingdom, France and German Markets Independently Analyzed with Annual Premium Income in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Historic Review

Table 71: Major Non-Life Insuring Nations in Europe: 2000 (In US$ Billion) (includes corresponding Graph/Chart)

Outlook

Table 72: European Non-Life Insurance Market (2005): Percentage Breakdown of Premium Income by Country -Belgium, Denmark, Finland, France, Germany, Italy, Netherlands, Spain, Sweden, Switzerland, United Kingdom, and Others (includes corresponding Graph/Chart)

Table 73: European Non-Life Insurance Market (2005): Percentage Breakdown of Premium Income by Category - General Liability, Health & Accident, Legal Expenses, MAT, Motor Premium, Property, and Others (includes corresponding Graph/Chart)

Table 74: European Property Insurance Market (2005): Percentage Breakdown of Premium by Country - France, Germany, UK, Italy, Spain, Netherlands, Sweden, and Rest of Europe (includes corresponding Graph/Chart)

Regulatiuons

Non-Life Insurance Sector

Other Non-Life Measures

5d(i).France

Europe’s #3 Non-Life Market

Motor Insurance Hogs the Limelight

Market Overview

Table 75: French Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 76: French Insurance Industry (2006): Per Capita Premium in US$, and Penetration of Insurance by Category - Life and Non-Life

Table 77: French Non-Life Insurance Market (2006 & 2007): Percentage Breakdown of Written Premiums by Category - Motor, Fire, Accident, General Liability, Construction, Natural Catastrophes, Transport and Miscellaneous (includes corresponding Graph/Chart)

Table 78: French Non-Life Insurance Market (2006 & 2007): Percentage Breakdown of Ceded Premiums by Category - Fire, Natural Catastrophes, Motor, Accident, General Liability, Transport, Construction and Miscellaneous (includes corresponding Graph/Chart)

Table 79: French Property & Casualty (P&C) Insurance Market (2006 & 2007): Percentage Breakdown of Premium Income by Distribution Channel - Tied Agents, Direct Writing Companies, Brokers, Bancassurance, Salaried Sales Associates and Other Alternative Channels (includes corresponding Graph/Chart)

Competitive Landscape

Table 80: Leading Players in French Property & Casualty (P&C) Insurance Market (2006 & 2007): Percentage Market Share of Premiums by Company - Axa, Groupama, AGF, Generali, CNP and Others (includes corresponding Graph/Chart)

Table 81: French Non-Life Insurance Market (2006): Percentage Market Share of Leading Players - AGF, AXA, Banks, CNP, Groupama, MACIF, Maif, Matmut, MMA, SMA Btp, and Others (includes corresponding Graph/Chart)

Table 82: French Property and Casualty Insurance Industry (2004): Gross Written Premium in US$ Million by Leading Companies for Groupama, AXA, AGF, Generali France, CNP, ACM, Aviva France and Prédica/Pacifica (includes corresponding Graph/Chart)

Table 83: French Non-Life Insurance Industry (2002): Gross Written Premium in US$ Billion by Leading Companies for Groupama GAN, AXA, AGF Allianz, Generali, Mutual du Mans, Azur GMF, MACIF, MAIF, MAAF, and ACM (includes corresponding Graph/Chart)

Table 84: Top-Five Players in the French Non-Life Insurance Industry (2001) - Gross Written Premiums in US$ Billion for AXA, Groupama GAN, AGF Allianz, MACIF, and Azur GMF (includes corresponding Graph/Chart)

Property and Casualty Insurance

Property Insurance Highlights

Table 85: French Property and Casualty Insurance Market (2005): Premiums in Euro Billion by Category - Automobile, Commercial Property, Construction, General liability, and Homeowners Comprehensive (includes corresponding Graph/Chart)

Table 86: French Property and Casualty Insurance Market (2005): Percentage Breakdown of Coverage Costs Under Homeowners‘ Comprehensive Policies by Category - Fire, Liability, Natural Disasters, Theft, Water Damage, and Others (includes corresponding Graph/Chart)

Table 87: French Property and Casualty Insurance Market (2002): Categories Ranked by Primary Business Premium in Euro Billion (includes corresponding Graph/Chart)

Commercial Property Insurance

Table 88: French Commercial Property Insurance Market (2002): Premiums by Category in Euro Billion (includes corresponding Graph/Chart)

5d(ii).Italy

A Small Market for Non-Life

Table 89: Italian Recent Past, Current & Future Analysis for Motor Insurance with Gross Written Premiums in Euro Billion for the Years 2004 through 2008 (includes corresponding Graph/Chart)

Table 90: Italian Non-Life Insurance Industry (2002 & 2003): Total Premium by Category in Euro Million (includes corresponding Graph/Chart)

Table 91: Italian Insurance Industry (1993-2002): Total Non-Life Premium in Euro Million (includes corresponding Graph/Chart)

Table 92: Italian Insurance Market (2003): Number of Domestic Insurance Companies by Judicial Nature and Business Sector

Table 93: Italian Insurance Market (2003): Number of Insurance Companies by Nature of Origin and Business Sector (includes corresponding Graph/Chart)

Table 94: Italian Non-Life Insurance Market (2003): Total Premium (in Euro Million) and Market Share (in %) by Distribution Channels for Agents, Brokers, Direct Sales, Bank Counters and Financial Advisers (includes corresponding Graph/Chart)

Competitive Landscape

Table 95: Leading Players in Italian Property & Casualty Insurance Market (2004): Percentage Market Share by Company- Fondiaria - Sai, Generali, RAS, Reale Mutua, Toro, Unipol, and Others (includes corresponding Graph/Chart)

Table 96: Italian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for Fondiaria-SAI, Ras, Generali, Milano, Assitalia, Winterthur, Unipol, Lloyd Adriatico, Axa, and Reale Mutua (includes corresponding Graph/Chart)

5d(iii).Germany

Grappling with Challenges

Table 97: German Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 98: German Insurance Industry (2006): Per Capita Premium in US$, and Penetration of Insurance by Category - Life and Non-Life

Table 99: German Non-Life Insurance Industry (2007 & 2008): Percentage Breakdown of Premium Income by Class - Motor, Property Insurance, Private Accident, General Liability, Legal Expenses and Others (includes corresponding Graph/Chart)

Motor Insurance

Table 100: German Motor Insurance Market (2006 & 2007): Percentage Breakdown of Premiums by Category - Third Party Liability, Full Comprehensive and Partial Comprehensive (includes corresponding Graph/Chart)

Table 101: German Motor Insurance Market (2006 & 2007): Percentage Breakdown of Claims by Category - Third Party Liability, Full Comprehensive and Partial Comprehensive (includes corresponding Graph/Chart)

Table 102: Leading Players in German Motor Insurance Market (2006 & 2007): Percentage Market Share by Company - Allianz, R & V, AMB Generali, Zurich, Axa, LVM, VHV, HDI, DEVK, and Others (includes corresponding Graph/Chart)

German Non-Life Insurance Sector - Year 2005 Market Perspective

Market Players

Table 103: German Non-Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for Allianz Vers., Axa Vers., Gerling-K. Allgemeine, R+V Allgemeine Vers., Zurich Vers. AG, HUK-Coburg, Victoria Vers., Wurtt. Vers., Gothaer Allg. Vers. AG, and LVM Sach (includes corresponding Graph/Chart)

Table 104: Leading Players in the German Non-Life Insurance Market (2002) - Gross Written Premiums in US$ Million for Allianz Vers., AXA Vers., Gerling- K. Allgemeine, R+V Allgemeine Vers., and Zurich Vers. AG (includes corresponding Graph/Chart)

Property Insurance

Highlights

Table 105: German Non-Life Property Insurance Market (2005 & 2006): Percentage Breakdown of Gross Written Premiums in Private Insurance (Direct Business) by Segment - Agricultural Property Insurance, Commercial Property Insurance, Industrial Property Insurance, and Private Property Insurance (includes corresponding Graph/Chart)

Table 106: German Non-Life Property Insurance Market (2005 & 2006): Percentage Breakdown of Claims Paid by Direct Insurers (Within GDV) by Segment - Agricultural Property Insurance, Commercial Property Insurance, Industrial Property Insurance, and Private Property Insurance (includes corresponding Graph/Chart)

Personal Lines Remain A Terrain for Few

P & C Retains Vitality with Steadier Pricing in Commercial Lines

Table 107: Number of Insurers Operating in the German Non-Life Insurance Industry (1990-2003 (includes corresponding Graph/Chart))

Outlook

5d(iv).United Kingdom

World’s #4 General Insurance Market

Table 108: UK Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in GBP Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 109: UK Insurance Industry (2006): Per Capita Premium in US$, and Penetration of Insurance by Category - Life & Non-Life

Table 110: UK Non-Life Insurance Market (2006 & 2007): Percentage Breakdown of Net Written Premiums by Category - Motor, Property, Accident & Health, Pecuniary Loss, Liability and Others (includes corresponding Graph/Chart)

The UK Insurance Industry - A Market Summary

Market Snippets

Impact of Climatic Transitions on Insurance Industry

London Insurance Market in 2006- An Overview

The UK Insurance Industry - An Overall Market Scenario

General & Long Term Insurance - A Unique Market Split

Trends in Non-Life Insurance

Structural Insurance on Decline

Table 111: UK Personal General Insurance Market (2006): Premium in Pound Million and Percentage Breakdown by Category - Household, Individual Accident & Health, Personal Pecuniary Loss, and Private Motor (includes corresponding Graph/Chart)

Table 112: UK General Insurance Market (2005): Percentage Breakdown of Sales by Channel - Banks/Building Societies, Company Agents, Direct, Independent Intermediaries, Retailers/ Affinity Groups/ Utility Groups, and Others (includes corresponding Graph/Chart)

Table 113: UK General Business Insurance Industry (2005): Domestic Risk Net Written Premium (NWP) in Pound Billion and Percentage Breakdown of NWP by Sectors for Motor, Accident & Health, Property, Pecuniary Loss and General Liability (includes corresponding Graph/Chart)

Table 114: UK General Business Insurance (Excluding UK Risks) Industry (2005): Net Written Premium (NWP) in Pound Billion and Percentage Breakdown of NWP by Home Foreign, Marine Aviation & Transport, and Non-MAT Reinsurance (includes corresponding Graph/Chart)

Table 115: UK Commercial Insurance Market (2005): Percentage Breakdown of Claims by Business Sectors - Employer's Liability, Motor/Fleet Vehicle, Professional Indemnity, Property, and All Risks Packaged Policy (includes corresponding Graph/Chart)

Table 116: UK General Business Insurance Industry (2000-2004): Domestic Risk Net Written Premium (NWP) in US$ Billion and Percentage Breakdown of NWP by Sectors for Motor, Accident & Health, Property, Pecuniary Loss and General Liability (includes corresponding Graph/Chart)

Table 117: UK General Business Insurance (Excluding UK Risks) Industry (2000-2004): Net Written Premium (NWP) in US$ Billion and Percentage Breakdown of NWP by Home Foreign, Non-Mat Reinsurance and Marine Aviation & Transport (includes corresponding Graph/Chart)

SMEs Becoming Key Customers for Property & Liability Insurers

Underwriting Profits

Property Insurance

Table 118: UK Property Damage Revenue Account (2005): Net Written Premium (NWP) in Pound Million by Domestic and Commercial Segments by Category - Claims Incurred, Change in Provisions, Commission & Expenses, and Equalization Reserves (includes corresponding Graph/Chart)

Table 119: UK Property Damage Revenue Account (2000-2004): Net Written Premium (NWP) in US$ Billion and Percentage Breakdown of NWP by Domestic and Commercial Segments (includes corresponding Graph/Chart)

Table 120: UK Property Damage Revenue Account (2000-2004): Claims Incurred (CI) in US$ Billion and Percentage Breakdown of CI by Domestic and Commercial Segments (includes corresponding Graph/Chart)

Equalization Reserves

A Review of Past Performance

Property Insurance Loses Ground

Pecuniary Loss Insurance

Key Types

Commercial Insurance For Small Business

Direct Writers Find Favor

Searching for More Niches

Brokers Calling the Shots

Soft Market Leads to Policy Changes

Concentration in the Non-Life Insurance Market

A Peek into Past Trends and Facts

Table 121: UK Private & Commercial Motor Insurance Market (2002)

Table 122: Gross Premiums Written for UK Property/ Casualty Insurers: 2000 & 1999 (In £ Million) (includes corresponding Graph/Chart)

Market Leaders

Table 123: Top-Five Players in the UK Non-Life Insurance Market (2002) - Gross Written Premium in US$ Million for Norwich Union, Royal & Sun Alliance, Zurich, AXA, and Churchill (includes corresponding Graph/Chart)

Review of the Sectors: Mid-90s

Table 124: Non-Life Investments Distribution in the UK Composites Market: 1994 (includes corresponding Graph/Chart)

Property

Table 125: UK Commercial Property (Including Other) Underwriting Ratio (%)(includes corresponding Graph/Chart)

Table 126: Net Written Property/Casualty Premium Distribution By Line: 1994 ($ Million) (includes corresponding Graph/Chart)

5d(v).Spain

Spanish Insurance Industry: An Overview

Table 127: Spanish Insurance Industry (2005): Per Capita Premium in US$ by Category - Life and Non-Life

Market Offers Niche Opportunities

Liability

Leisure Industry

Environment Liability

Professional Indemnity Market

Property

Marine

Leading Non-Life Insurers

Table 128: Leading Players in Spanish Non-Life Insurance Market (2004): Premium in € Million by Company -Adeslas, Allianz, Axa, Caser, Catalana Occidente, Generali, Mapfre, Mutua Madrileña, Winterthur, and Zurich (includes corresponding Graph/Chart)

Table 129: Spanish Non-Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for MAPFRE Mutualidad, Allianz, AXA Aurora Iberica, Zurich Espana, Winterthur, Mutua Madrilena Automovilista, Adeslas, Santa Lucia, Vitalicio, and Groupama Plus Ultra (includes corresponding Graph/Chart)

Property Insurance On an Upward Note

Mid 90’s: A Perspective

5d(vi).Russia

Industry at a Glance

Insurance Sector Representation

Table 130: Russian Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 131: Russian Insurance Industry (2007 & 2008): Percentage Breakdown of Premium Income by Category - Property, Medical, Personal, Motor, Liability, Life and Others (includes corresponding Graph/Chart)

Table 132: Russian Insurance Industry (2006 & 2007): Premium Income in US$ Million by Leading Companies for Rosgosstrakh, Ingosstrakh, Sogaz, Reso, Rosno, VSK, Kapital IG, Soglasie, Uralsib IG, and Alfa (includes corresponding Graph/Chart)

Voluntary Vs. Compulsory Insurance

Table 133: Russian Insurance Market (2007 & 2008): Premium Income in US$ Billion for Voluntary and Compulsory Insurance

Table 134: Russian Voluntary Insurance Market (2007 & 2008): Percentage Breakdown of Market Share by Premium Income by Category - Property Insurance, Personal Insurance, Liability Insurance, Life Insurance and Others (includes corresponding Graph/Chart)

Table 135: Russian Compulsory Insurance Market (2007 & 2008): Percentage Breakdown of Market Share by Premium Income by Category - Medical, Motor and Others (includes corresponding Graph/Chart)

Table 136: Insurance Industry in Russia (2006): Per Capita Premium in US$ and Premium as % of GDP by Category - Life and Non-Life

Insurance Market Snapshots

Non-life Segment to Drive Insurance Market in Russia

Profitable Sectors

Regional Insurers Have a Major Say

Limitations of Russian Insurance Market

Small Business Insurance - The Next Big Thing

Role of Foreign Insurers in Russia

Non-Life Insurance - A Concentrated Sector

Table 137: Russian Non-Life Insurance Industry (2005): Percentage Breakdown of Gross Premiums by Category - Accident & Illness, Legal Entity Cargo, Legal Entity MOD, OMTPL, Private Cargo, Private MOD, Private Property, Legal Entity Property, Voluntary Medical, and Others (includes corresponding Graph/Chart)

Table 138: Leading Players in Russian Non-Life Insurance Industry (2005): Gross Premiums in US$ Million and Number of Agents for Select Companies - Alfa Insurance, Ingosstrakh, Lider, MAKS, RESO, Rosgosstrakh, ROSNO, SOGAZ, UralSib, and VSK (includes corresponding Graph/Chart)

Table 139: Russian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Ingosstrakh, Reso Garantiya, Rosgosstrakh, Sogaz, Rosno, Soglasiye, Natsionalnaya, MAKS, UralSib, and Alfa (includes corresponding Graph/Chart)

Table 140: Top-Five Players in the Russian Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Ingosstrakh, Reso-Garantia, Soglasie, ROSNO, and Lukoil (includes corresponding Graph/Chart)

Outlook

Focus on Reserve Practices

Reforms - Key for Development

5d(vii).Rest of Europe

Central and Eastern Europe

Market Overview

Table 141: Non-Life Insurance Industry in Eastern Europe (2005): Penetration of Insurance for Select Regions - Russia, Czech Republic, Poland, Hungary, and Ukraine (includes corresponding Graph/Chart)

A Peek into Recent Past Market Scenario

Market Numbers

Table 142: Insurance Penetration Rate (In %) by Type for 2001: Central/East European Nations Vs EU-15 (includes corresponding Graph/Chart)

Table 143: Insurance Premium as % of GDP for 1999-2001: Central/East European Nations Vs EU-15 (includes corresponding Graph/Chart)

Table 144: Per Capita Premium in US$ for 2000 & 2001: Central/East European Nations Vs EU-15 (includes corresponding Graph/Chart)

Austria

Market Overview

Market Leaders

Table 145: Austrian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Allianz Elementar, Uniqa Sach, Wiener Stadtische, Generali, Interunfall, Donau, Grawe, Zurich, Oberosterreichische, and Niederosterreichische (includes corresponding Graph/Chart)

Table 146: Top-Five Players in the Austrian Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Allianz Elementar, Wiener Stadtische, Generali, Uniqa Sach, and Interunfall (includes corresponding Graph/Chart)

Belgium

Market Overview

Market Leaders

Table 147: Belgian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Axa Belgium, Fortis AG, Ethais, KBC Assurances, Winterthur-Europe, AGF Belgium, Mercator, ING, Les Assurances Populaires, and DKV Belgium (includes corresponding Graph/Chart)

Table 148: Top-Five Players in the Belgian Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for AXA Belgium, Fortis AG, SMAP, KBC Assurances, and Winterthur-Europe (includes corresponding Graph/Chart)

Bulgaria

Market Overview

Market Leaders

Table 149: Top-Five Players in the Bulgarian Non-Life Insurance Industry (2003) - Gross Written Premium in US$ Million for Bulstrad, DZI General, Allianz Bulgaria, Bul Ins, and Vitosha (includes corresponding Graph/Chart)

Croatia

Market Overview

Market Leaders

Table 150: Top-Five Players in the Croatian Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Croatia, Euroherc, Jadransko, Allianz Zagreb, and Triglav (includes corresponding Graph/Chart)

Cyprus

Market Overview

Market Leaders

Table 151: Cyprian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Laiki, General Insurance of Cyprus, Lloyd's Underwriters, Pancyprian, Atlantic, Minerva, American Home, Commercial Union Cosmos, and Universal Life (includes corresponding Graph/Chart)

Table 152: Top-Five Players in the Non-Life Insurance Industry of Cyprus (2002) - Gross Written Premium in US$ Million for Laiki, General Insurance of Cyprus, Minerva, Pancyprian, and American Home (includes corresponding Graph/Chart)

Finland

Market Overview

Table 153: Finnish Insurance Industry (2005): Per Capita Premium in US$ by Category - Life and Non-Life

Forming Alliances: Order of the Day

Non-Life Insurance Sector

Table 154: Finnish Non-Life Insurance Market (2004): Percentage Breakdown of Gross Written Premiums by Category - Credit and Suretyship, Domestic Reinsurance, Foreign Reinsurance, General Liability, Legal Expenses, Marine, Aviation and Transport, Motor Liability, Personal Accident and Health, Workers Compensation, and Other Direct Business (includes corresponding Graph/Chart)

Table 155: Finnish Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for If Vahinkovakuutus, Vahinko-Pohjola, Vahinko-Tapiola, Fennia, Mutual Insurance Associations, Lahivakuutus, A-Vakuutus, Pohjantahti, Turva, and Vahinko-Veritas (includes corresponding Graph/Chart)

Table 156: Top-Five Players in the Non-Life Insurance Industry of Finland (2002) - Gross Written Premium in US$ Million for If Vahinkovakuutus, Vahinko-Pohjola, Vahinko-Tapiola, If Teollisuusvakuutus, and Fennia (includes corresponding Graph/Chart)

Georgia

A Historical Perspective

Year 2000 - Signs of Resurgence

Participation of Foreign Companies in Georgian Insurance Market during 2000

Greece

Market Overview

Competitive Scenario

Leading Non-Life Insurers

Table 157: Greek Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Ethniki, Phoenix Metrolife Emporiki, Agrotiki nteramerican, Property, Alpha, Allianz, Commercial Value, Intersalonika, International Union, and Egnatia (includes corresponding Graph/Chart)

Leading Insurers - A Review of Past

Insurance Industry Majors - An Insight

Table 158: Insurance Industry in Greece (1993-2002): Number of Insurance Companies by Insurance Class for General Insurance, Life Insurance, and Composite (includes corresponding Graph/Chart)

Market Share of Top Companies in Life & Non-Life

Table 159: Insurance Industry in Greece (1998-2002): Percentage Market Share of Top 5, 10, and 20 Companies by Life and Non-Life Sectors (includes corresponding Graph/Chart)

Table 160: Top-Five Players in the Non-Life Insurance Industry of Greece (2002) - Gross Written Premium in US$ Million for Ethniki, Phoenix Metrolife Emporiki, Agrotiki, Interamerican Property, and ALPHA (includes corresponding Graph/Chart)

A Peek into Recent Past Market Numbers

Table 161: Greek Insurance Industry (1993-2002): Direct Premium In Million Euro by Insurance Class for Life and Non-Life (includes corresponding Graph/Chart)

Table 162: Greek Insurance Industry (2001): Direct Premium of Non-Life Insurance by Line in Greek Drachmas Million (includes corresponding Graph/Chart)

Hungary

Market Overview

Table 163: Hungarian Non-Life Insurance Industry (2006): Percentage Breakdown of Premiums by Segment - Accident, Financial Losses, Fire & Elemental Risks, General Liability, Health, MAT, Motor Own Damage, MTPL, and Others (includes corresponding Graph/Chart)

Market Leaders

Table 164: Top-Five Players in the Hungarian Non-Life Insurance Industry (2003) - Gross Written Premium in US$ Million for Allianz, Generali Providencia, OTP-Garancia, AB Aegon, and UNIQA (AXA) (includes corresponding Graph/Chart)

Iceland

Market Overview

Leading Players

Table 165: Non-Life Insurance Industry in Iceland (2002): Gross Written Premium in US$ Million by Leading Companies for Sjova-Almennar, Vidlagatr Islands, Tryggingamidstodin, VIS hf., Islands-Trygginh, Vordur, and Althjoda (includes corresponding Graph/Chart)

Ireland

Market Overview

Table 166: Irish Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in Euro Billion for the Years 2005 through 2010 (includes corresponding Graph/Chart)

Table 167: Insurance Industry in Ireland (2006): Per Capita Premium in US$ by Category - Life and Non-Life

Table 168: Irish Non-Life Insurance Market (2005): Percentage Breakdown of Gross Written Premiums by Category - Liability, Motor, PA/Travel, Property, and Other Business (includes corresponding Graph/Chart)

Market Leaders

Table 169: Leading Players in Irish Motor Insurance Market (2006 & 2007): Percentage Breakdown of Premiums by Company - Hibernian, Quinn-Direct, AXA, FBD, Eagle Star, Allianz and Others (includes corresponding Graph/Chart)

Table 170: Leading Players in Irish Property Insurance Market (2006 & 2007): Percentage Breakdown of Premiums by Company - Hibernian, Royal & Sun Alliance, Allianz, Eagle Star, AXA and Others (includes corresponding Graph/Chart)

Table 171: Irish Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Hibernian General, AXA, Royal & SunAlliance, Eagle Star Ireland, Allianz Ireland, FBD, Allianz Corporate Ireland, Quinn-Direct, AIG Europe, and Irish Public Bodies (includes corresponding Graph/Chart)

Table 172: Top-Five Players in the Non-Life Insurance Industry of Ireland (2002) - Gross Written Premium in US$ Million for Hibernian, AXA, Royal & SunAlliance, Eagle Star Ireland, and Allianz Ireland (includes corresponding Graph/Chart)

Latvia

Market Overview

Market Leaders

Table 173: Latvian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Balta, BTA, Balva, Ergo Latvija, Parekss, Baltikums, If Latvia, Rigas Slimokase, Baltijas Apdrosinasanas Nams, and Seesam Latvia (includes corresponding Graph/Chart)

Lithuania

Market Overview

Table 174: Lithuanian Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Market Leaders

Table 175: Lithuanian Non-Life Insurance Market (2006 & 2007): Percentage Market Share of Premiums by Category - Motor, Property, PA & Health, Liability, Surety, Bonds & Credit, and Marine, Aviation & Transit (includes corresponding Graph/Chart)

Table 176: Lithuanian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Lietuvos Draudimas, ERGO Lietuva, Lindra, IF Draudimas, NORD/LB Draudimas, Baltikums Draudimas, Baltik Garant, BTA Draudimas, Snoro Garantas, and Baltijos Garantas (includes corresponding Graph/Chart)

Luxembourg

Market Overview

Market Leaders

Table 177: Top-Five Players in the Non-Life Insurance Industry of Luxembourg (2001) - Gross Written Premium in US$ Million for Le Foyer Assurances, La Luxembourgeoise, AXA, Zurich, and Baloise (includes corresponding Graph/Chart)

Malta

Market Overview

Norway

Market Overview

Environmental Responsibilities of Insurance Firms

Market Leaders

Table 178: Norwegian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for If Skadeforsikring, Gjensidige NOR, Vesta, Sparebank 1 Skadeforsikring, Terra Skadeforsikring, KLP Skadeforsikring, Jernbanepersonalets Forsikring, AIG Europe, Zurich Forsikring, and Vital (includes corresponding Graph/Chart)

Table 179: Top-Five Players in the Non-Life Insurance Industry of Norway (2001) - Gross Written Premium in US$ Million for if Skadeforsikring, Gjensidige NOR, Vesta, Sparebank, and Terra (includes corresponding Graph/Chart)

Poland

Market Overview

Market Leaders

Table 180: Polish Non-Life Insurance Industry (2005): Percentage Breakdown of Premium by Segment - Accident, Health, Liability (excluding Motor & MAT), MOD, MTPL, Property (excluding Motor), Legal & Financial Risks, and Others (includes corresponding Graph/Chart)

Table 181: Polish Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for PZU, Warta, Ergo Hestia, Allianz Polska, Samopomic, Uniqa, Tryg Polska, CIGNA STU, PTU, and Filar (includes corresponding Graph/Chart)

Portugal

Market Overview

Portuguese Insurance Industry - Current Market Trends

Market Leaders

Table 182: Portuguese Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Fidelidade-Mundial, Imperio Bonanca, Axa Portugal Seguros, Tranquilidade, Allianz Portugal, Zurich, ICI, Acoreana, Ocidental Seguros, and Lusitania (includes corresponding Graph/Chart)

Table 183: Top-Five Players in the Non-Life Insurance Industry of Portugal (2002) - Gross Written Premium in US$ Million for Fidelidade Mundial, Imperio Bonanca, AXA Portugal Seguros, Tranquilidade, and Allianz Portugal (includes corresponding Graph/Chart)

Romania

Market Overview

Awareness Among Public Revitalizes the Market

Foreign Banks Queuing Up

Domenia Credit

Key Players

Non-Life Insurance Industry

Table 184: Romanian Non-Life Insurance Industry (2003): Direct Written Premium in US$ Million by Leading Companies for Allianz-Tiriac, Asirom, Omniasig, Astra, Asiban, Unita, Ardaf, Generali, BCR Asigurari, and AIG Romania (includes corresponding Graph/Chart)

Table 185: Top-Five Players in the Romanian Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Allianz-Tiriac, Asirom, Omniasig, Astra, and Ardaf (includes corresponding Graph/Chart)

Serbia and Montenegro

Market Overview

Market Leaders

Table 186: Non-Life Insurance Industry of Serbia and Montenegro (2003): Gross Written Premium in US$ Million by Leading Companies for Dunav, DDOR Novi Sad, Imperial, Delta, Evropa, AMS, Ekos, SIM, Takovo, and Kopaonik (includes corresponding Graph/Chart)

Slovakia

Market Overview

Leading Players

Table 187: Top-Five Players in the Slovakian Non-Life Insurance Industry (2003) - Gross Written Premium in US$ Million for Allianz poistovna, Kooperativa poistovna, Ceska poistovna, UNIQA poistovna, and Generali poistovna (includes corresponding Graph/Chart)

Key Trends and Issues

Consolidation and Liberalization Mark the Market

Low Level of Insurance Penetration

A Historic Review

Brimming with Insurance Companies

Table 188: Insurance Industry in Slovakia (1999 & 2000): Premiums Written by Type of Insurance (In %) (includes corresponding Graph/Chart)

Table 189: Insurance Industry in Slovakia (1999-2001): Growth in Insurance Market (In %) (includes corresponding Graph/Chart)

Foreign Companies - Highly Active

Non-Life Insurance - A Peek into the Recent Past

Table 190: Insurance Industry in Slovakia (1999-2001): Non-Life Premiums in SKK Billion and % Share (includes corresponding Graph/Chart)

Table 191: Insurance Industry in Slovakia (1999 & 2000): Non-Life Premium in US$ Million by Type of Insurance (includes corresponding Graph/Chart)

Table 192: Insurance Industry in Slovakia (2001): Leading Non-Life Insurers by Premium Written in US$ Million (includes corresponding Graph/Chart)

Personal Accident Insurance

Social Insurance

Slovenia

Market Overview

Table 193: Slovenian Non-Life Insurance Market (2004): Percentage Share Breakdown by Insurance Type for Liability, Health, Property, Casco, Accident, Credit and Others (includes corresponding Graph/Chart)

Casco Insurance

Table 194: Slovenian Non-Life Insurance Market (2004): Percentage Share Breakdown of Casco Insurance by Insurance Type for Land Motor Vehicles, Aircraft, Railway Rolling Stock and Ships (includes corresponding Graph/Chart)

Accident Insurance

Table 195: Slovenian Non-Life Insurance Market (2004): Percentage Share Breakdown of Accident Insurance by Insurance Type for Personal Insurance at Work & Outside, Driver & Car Owner Acc Insurance, Insurance for Passengers in Motor Vehicles, Children & School Children Accident Insurance and Others (includes corresponding Graph/Chart)

Liability Insurance

Table 196: Slovenian Non-Life Insurance Market (2004): Percentage Share Breakdown of Liability Insurance by Insurance Type for Land Motor Vehicles Liability, General Liability and Others (includes corresponding Graph/Chart)

Property Insurance

Table 197: Slovenian Non-Life Insurance Market (2004): Percentage Share Breakdown of Property Insurance by Insurance Type for Fire, Machinery Breakdown, Household, Livestock, Crops & Fruit, Theft, Computers, Building and Others (includes corresponding Graph/Chart)

Surety Insurance and Miscellaneous Financial Loss Insurance

Table 198: Slovenian Non-Life Insurance Market (2004): Percentage Share Breakdown of Suretyship Insurance & Miscellaneous Financial Loss Insurance by Insurance Type for Loss-of-Profits Fire, Deposits, MB Loss-of-Profits, Cancellation of Tourist Trips, Shows & Events and Others (includes corresponding Graph/Chart)

Legal Expenses and Tourist Assistance Insurance

Table 199: Slovenian Non-Life Insurance Market (2004): Percentage Share Breakdown of Legal Expenses and Tourist Assistance Insurance by Insurance Type for Automobile Assistance, Legal Expenses, Medical Assistance and Others (includes corresponding Graph/Chart)

Leaders in the Non-Life Segment- A 2002 Perspective

Table 200: Top-Five Players in the Non-Life Insurance Market of Slovenia (2002) - Gross Written Premium in US$ Million for Triglav, Health Insurance Mutual, Maribor, Adriatic, and Slovenica (includes corresponding Graph/Chart)

Sweden

Market Overview

Table 201: Swedish Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in SEK Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Major Players in the Non-Life Sector

Table 202: Swedish Non-Life Insurance Market (2007 & 2008): Percentage Breakdown of Premium Income by Category - Business and Houseowner, Householder and Homeowner, Motor Vehicle, Motor Third Party, Accident and health and Others (includes corresponding Graph/Chart)

Table 203: Leading Players in the Swedish Non-Life Insurance Market (2006 & 2007): Percentage Market Share of Premium Income by Company - LF Insurance Group, If Skadeförsäkring, Trygg-Hansa, Folksam, Dina and Others (includes corresponding Graph/Chart)

Table 204: Swedish Insurance Market (2006 & 2007): Percentage Market Share of Assets of Non- Life Insurance Companies by Category - Shares, Bonds, Real Estate and Others (includes corresponding Graph/Chart)

Non-Life Insurance - A Past Perspective

Table 205: Swedish Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for IF Skade, AFA Sjuk, Trygg-Hansa, Folksam Sak, LF Sak, LF Stockholm, LF Skane, AGRIA, LF Goteborg, and SvKonsument (includes corresponding Graph/Chart)

Table 206: Top-Five Players in the Swedish Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for If Skade, Trygg Hansa, Folksam Sak, AFA Sjuk, and LF Sak (includes corresponding Graph/Chart)

Switzerland

Market Overview

Table 207: Swiss Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in CHF Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 208: Insurance Industry in Switzerland (2006): Per Capita Premium in US$, and Penetration of Insurance by Category - Life and Non-Life

Market Highlights

Industry Overview

Outlook

Review of Sectors

Table 209: Swiss Property & Casualty Insurance Market (2007 & 2008): Percentage Market Share of Premiums by Category - Motor & Liability Insurance, Medical Insurance, Fire & Property Insurance, Accident Insurance, and Others (includes corresponding Graph/Chart)

Table 210: Swiss Fire and Property Insurance Market (2007 & 2008): Percentage Market Share of Premiums by Category - Fire Insurance, Natural Hazard Insurance and Other Property Insurance (includes corresponding Graph/Chart)

Table 211: Swiss Liability and Motor Insurance Market (2007 & 2008): Percentage Market Share of Premiums by Category - Motor Insurance (Motor Liability & Other Motor), Comprehensive General Liability, Ocean Marine, Aviation and Transport (includes corresponding Graph/Chart)

Table 212: Swiss Non-Life Insurance Market (2005): Percentage Breakdown by Segment - Health, Automobile, Fire and Natural Catastrophes, Accident, General Liability, Credit & Surety, Marine, Aviation and Transport, and Others (includes corresponding Graph/Chart)

Leading Non-Life Insurers

Table 213: Leading Players in the Swiss Non-Life Insurance Market (2002-2004): Percentage Breakdown of Market Value by Company for ZFS, Winterthur, Mobiliar, Allianz, Baloise and others (includes corresponding Graph/Chart)

Ukraine

Market Overview

Market Leaders

Table 214: Non-Life Insurance Industry in Ukraine (2003): Gross Written Premium in US$ Million by Leading Companies for Lemma, Kremen, Zemskaya, Oranta, Credo-Classic, Etalon, Aura, Ostra-Kiev, Pozharno-Strakhovaya, and TAS (includes corresponding Graph/Chart)

Table 215: Top-Five Players in the Non-Life Insurance Industry of Ukraine (2002) - Gross Written Premium in US$ Million for Lemma, Oranta, Credo-Classic, Municipal, and Veksel (includes corresponding Graph/Chart)

Yugoslavia

Market Overview

Czech Republic

Market Overview

Table 216: Czech Non-Life Insurance Market (2005): Percentage Breakdown by Segment - MOD, MTPL, Property Ex-motor, Workmen's Compensation, Other Liability, and Others (includes corresponding Graph/Chart)

Major Players

Table 217: Czech Republic Insurance Industry (2004): Gross Written Premium in US$ Million by Leading Players for Ceska Pojistovna, Kooperativa, Allianz, CSOB pojicoeovna, Nationale-Nederlanden, Generali, Pojistovna Ceske Sporitelny, CPP, Komercni Pojistovna, UNI A, and Others (includes corresponding Graph/Chart)

Table 218: Czech Republic Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Kooperativa, Allianz, Generali, Pojstovna CS, CSOB Pojistovna, CPP, UNIQA, AIG Czech Republic, and EGAP (includes corresponding Graph/Chart)

Table 219: Top-Five Players in the Non-Life Insurance Industry of Czech Republic (2002) - Gross Written Premium in US$ Million for Ceska Pojistovna, Kooperativa Pojistovna, Allianz Pojistovna, Pojistovna CS, and IPB Pojistovna (includes corresponding Graph/Chart)

Industry Structure

Insurance Groups

Associations

A Historical Perspective of the Market

Table 220: Czech Republic Life and Non-Life Insurance Penetration (as % of GDP): 2001

Table 221: Czech Republic Insurance Industry (2001): Premium Written in US$ Million by Sector (includes corresponding Graph/Chart)

Table 222: Czech Republic Insurance Industry (2001): Per Capita Premium in US$ for Life and Non-Life Sectors

Table 223: Czech Republic Per Capita Life and Non-Life Premium in Comparison with Neighboring Countries for 2001 (Premium per Capita in US$) (includes corresponding Graph/Chart)

Table 224: Czech Republic Insurance Industry (2001): Leading Companies by Premium Income in US$ Million (includes corresponding Graph/Chart)

Foreign-Owned Companies in the Czech Republic: 2001

Table 225: Break-up of Market Share Between Local and Overseas Players for 2001 (includes corresponding Graph/Chart)

Czech Insurance Sector Features Among Top 50 Markets for Insurance Worldwide

Table 226: Czech Republic Insurance Industry (2000): Leading Insurance Companies by Prescribed Premiums in Million Korunas (includes corresponding Graph/Chart)

Denmark

Danish Insurance - A Mature Industry

Table 227: Danish Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Gross Premium Income in DKK Million for the Years 2005 through 2009 (includes corresponding Graph/Chart)

Table 228: Danish Non-Life Insurance Market (2007 & 2008): Percentage Breakdown of Gross Premiums by Category - Commercial, Motor, Personal, Accident and Others (includes corresponding Graph/Chart)

Table 229: Danish Commercial Insurance Market (2007 & 2008): Percentage Breakdown of Gross Premiums by Category - Buildings, Industrial Injuries, Movable Property, Commercial Liability, Marine and Transport, Aviation and Others (includes corresponding Graph/Chart)

Table 230: Danish Motor Insurance Market (2007 & 2008): Percentage Breakdown of Gross Premiums by Category - Comprehensive and Third-Party Liability

Table 231: Danish Personal Insurance Market (2007 & 2008): Percentage Breakdown of Gross Premiums by Category - Homeowners, Household, Vacation Home, Hidden-Defects and Others (includes corresponding Graph/Chart)

Table 232: Danish Non-Life Insurance Market (2006 & 2007): Percentage Breakdown of Gross Claims by Category - Commercial, Motor, Personal, Accident and Others (includes corresponding Graph/Chart)

Table 233: Danish Commercial Insurance Market (2006 & 2007): Percentage Breakdown of Gross Claims by Category - Buildings, Industrial Injuries, Movable Property, Commercial Liability, Marine and Transport, Aviation and Others (includes corresponding Graph/Chart)

Table 234: Danish Motor Insurance Market (2006 & 2007): Percentage Breakdown of Gross Claims by Category - Third-Party Liability and Comprehensive

Table 235: Danish Personal Insurance Market (2006 & 2007): Percentage Breakdown of Gross Claims by Category - Household, Homeowners, Vacation Home, Hidden-Defects and Others (includes corresponding Graph/Chart)

Competitive Landscape

Mandatory Insurance

Leading Players

Table 236: Danish Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Tryg Skade, Topdanmark, Codan, Alm. Brandfors, Danmark Sygeforsikring, ALKA, GE Frankona, International Health, Nykredit, and Danske Fors. Skade I (includes corresponding Graph/Chart)

Table 237: Top-Five Players in the Non-Life Insurance Industry of Denmark (2002) - Gross Written Premiums in US$ Million for Tryg Skade, Topdanmark, Codan, Alm. Brand, and GE Frankona (includes corresponding Graph/Chart)

Table 238: Non-Life Insurance Industry in Denmark (2002): Gross Premium in DKK Million for Limited and Mutual Companies by Category - Commercial Insurance, Personal Insurance, Personal Accident Insurance, Motor Insurance, and Others

Table 239: Non-Life Insurance Industry in Denmark (2002): Gross Claims in DKK Million for Limited and Mutual Companies by Category - Commercial Insurance, Personal Insurance, Personal Accident Insurance, Motor Insurance, and Others

Table 240: Non-Life Insurance Industry in Denmark (2002): Percentage Breakdown of Insurance Firms’ Investment by Category for Bonds, Subsidiaries, Shares, and Other Assets (includes corresponding Graph/Chart)

Table 241: Building Insurance Industry in Denmark (2002): Gross Premium and Gross Claims in DKK Million by Companies (includes corresponding Graph/Chart)

Danish Insurance Industry: A Mid 90’s Review

Deregulation of the Financial Services Market

The Netherlands

Market Overview

Table 242: Non-Life Insurance Industry in The Netherlands (2005): Penetration of Insurance, and Per Capita Premium in US$

Table 243: Dutch Non-Life Insurance Market (2005): Percentage Breakdown by Category - Accident & Health, Fire & Property, Motor Vehicle, Transport, and Others (includes corresponding Graph/Chart)

Leading Non-Life Insurers

Table 244: Non-Life Insurance Industry in The Netherlands (2002): Gross Written Premium in US$ Billion by Leading Companies for Achmea Zorg, Achmea, Nationale-Nederlanden, Interpolis, and VGZ Zorgverzekeraar (includes corresponding Graph/Chart)

Table 245: Top-Five Players in the Dutch Non-Life Insurance Market (2001) - Gross Written Premium in US$ Million for Nationale-Nederlanden, Achmea, Achmea Zorg, Interpolis, and Delta Lloyd (includes corresponding Graph/Chart)

5e. Asia-Pacific

Market Overview

Table 246: Asia-Pacific Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 247: Asia-Pacific Recent Past, Current & Future Analysis for Non-Life Insurance Industry by Leading Country/Region - South Korea, China, Taiwan, India, and Hong Kong Markets Independently Analyzed with Annual Premium Income in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Strong Economy Peps Up the Market

P&C Insurance Market

Table 248: Non-Life Insurance Industry in Asia-Pacific (2005): Premium Income in US$ Million, Population in Millions, GDP in US$ Million, Per Capita Premium in US$, and Penetration of Insurance for Hong Kong, Indonesia, Malaysia, Philippines, Thailand, and Vietnam

Table 249: Insurance Industry in Asia-Pacific (2003): Leading Countries by P&C Insurance Business (Direct Premium and Premium Per Capita in US$ Million and Premium as % of GDP) (includes corresponding Graph/Chart)

Changing Marketplace

Shift Towards Risk-Oriented Products

Undeterred Players

Bancassurance - A perfect Channel in Asian Markets

War Risk Cover

War Risk Coverage Elusive for Some Asian Airlines

Outlook

Changing Environment Adds to Appeal

Rationale for High Growth Prospects in Asia

India and China Bring Immense Potential

Insurance Spend from Per Capita Income Far Below US-the Leader

The Tsunami Disaster - Underscoring the Importance of Cat Insurance

Insurance Protection in Tsunami Affected Areas

Property Insurance Coverage

Estimates of Insured Losses Due to the Tsunami

A Peek into the Recent Past Market Numbers

Table 250: Insurance Industry in Asia-Pacific (2000): Major Insuring Nations by Written Premium in US$ Billion (includes corresponding Graph/Chart)

Table 251: Insurance Industry in Asia-Pacific (2000): Key Nations for Non-Life Insurance by Written Premium in US$ Billion (includes corresponding Graph/Chart)

Table 252: Asian Non-Life Insurance Industry by Country and Comparison with Japan and the US: 2001 (includes corresponding Graph/Chart)

5e(i).Focus on Select Asian Markets

Australia

Industry Overview

Table 253: Australian Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Million for the Years 2005 through 2010 (includes corresponding Graph/Chart)

Table 254: Australian Non-Life Insurance Industry: Premium Income in US$ Billion and Per Capita Premium in US$ for 2005

Australian General Insurance Sector - A Market Perspective

ICA Introduces New Code for Policy Holders

APRA Introduces New Standards for General Insurance Sector

Review of the Sectors

General/Non-Life Insurance

General Insurance Industry Witnesses Stability

Insurance Broking Business to Slow Down

Commercial General Insurance Market Segmentation

Property Insurance

Table 255: Australian General Insurance Market (2006 & 2007): Percentage Breakdown of Premiums by Sector - Domestic Motor Vehicle, Houseowners Insurance, CTP Motor Vehicle Insurance, Public and Product Liability Insurance, Fire and ISR Insurance, Commercial Motor Vehicle Insurance, Employers' Liability Insurance, Professional Indemnity Insurance, and Other Insurance (includes corresponding Graph/Chart)

Table 256: Australian General/Non-Life Insurance Market (2004): Premiums Received, and Brokerage Income in A$ Million for Select Brokers - Aon Risk Services Australia Ltd, Freeman McMurrick Pty Ltd, Heath Lambert Australia Pty Ltd, Insurance Advisernet Australia Pty Ltd, Jardine Lloyd Thompson Pty Ltd, and Others (includes corresponding Graph/Chart)

Competitive Landscape

Table 257: Leading Players in Australian Non-Life Insurance Industry (2004): Percentage Market Share by Company - Allianz, IAG, PMN, QBE, SUN, and Others (includes corresponding Graph/Chart)

Table 258: Australian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for QBE Group, Insurance Australia Group, Promina Group, Suncorp, and Allianz Australia (includes corresponding Graph/Chart)

Table 259: Australian General/Non-Life Insurance Industry (2002): Percentage Share of Premium Received (In A$ Million) by Leading Private Sector Conglomerates (includes corresponding Graph/Chart)

Public Insurance Companies of General Insurance

Presence of Insurance Brokers in Australian Insurance Industry

Presence of Foreign Insurance Companies in Australian Insurance Industry

A Recent Past Perspective

Recession Gives Way to Recovery

Table 260: Insurance Industry in Australia (2000 & 2001): Number of Insurers by Type for Private Sector, and Public Sector (includes corresponding Graph/Chart)

Performance of Major Business Classes in Australia: 2001

Table 261: Insurance Industry in Australia (2000): Percentage Share of Total Premium Revenue by Major Business Classes (includes corresponding Graph/Chart)

Table 262: Insurance Industry in Australia (2000): Premium Revenue (In A$ Million) and Percentage Breakdown of Leading Private Sector Insurance Conglomerates (includes corresponding Graph/Chart)

Table 263: Insurance Industry in Australia (2000): Premium Revenues in A$ Million by State/ Territory and Insurance Category

Corporate Restructuring

Major Corporate Restructures in Australian Private Sector

China

Industry Overview

A ‘Giant’ Opportunity

Insurance Sector Representation

Table 264: Chinese Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Premiums in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 265: Chinese Non-Life Insurance Industry: Premium Income in US$ Billion, Per Capita Premium in US$, and Penetration of Insurance for 2005 (includes corresponding Graph/Chart)

Big Potential for Global Insurance Industry in China

China - Asia’s Leading Insurance Market

Outlook

A Historic Perspective

Market Trends and Issues

A Promising Market

China-Funded Companies Dominate the Market

Rise in Foreign Insurers Energizes the Insurance Market

Hiked Competition Forces Premiums Down

The Wave of Reforms

Foreign Owned Insurers: Screening Out the Ceiling Effect

Deregulation of Insurance Industry Boosts Growth of P&C Insurance Sector

Segment Overview

Table 266: Chinese Recent Past, Current & Future Analysis for Property & Casualty (P&C) Insurance Market with Premiums in RMB Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 267: Chinese Property & Casualty (P&C) Insurance Market (2007 & 2008): Percentage Breakdown of Premiums by Product Category - Motor Vehicle, Commercial Property, Liability, Cargo, Agriculture, and Others (includes corresponding Graph/Chart)

Table 268: Chinese Non-life Insurance Industry (2006 & 2007): Percentage Breakdown Distribution Channels for Intermediaries (Individual Agents, Insurance Agencies, Professional Agencies, Insurance Brokers), and Direct Distribution (includes corresponding Graph/Chart)

Table 269: Leading Players in Chinese Property & Casualty (P&C) Insurance Market (2006 & 2007): Percentage Market Share of Premiums by Company - PICC, China Pacific, Ping An P&C, China United Property, Dadi P&C, Tianan, Other Chinese Life Insurers, and Foreign Life Insurers (includes corresponding Graph/Chart)

Major Non-Life Insurance Companies Operating in China (As of 2006)

Table 270: Chinese Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for PICC, China Pacific Property, Ping An Property, Tian An, China United Property, Da Zhong, Hua Tai, Yong An Property, Sinosafe General, and Taiping Insurance (includes corresponding Graph/Chart)

Table 271: Chinese Non-Life Insurance Market (2001): Gross Written Premiums in US$ Million by Leading Companies for PICC, China Pacific, Ping An, Huatai, and Dazhong (includes corresponding Graph/Chart)

Property Insurance Market

Table 272: Leading Players in Chinese Property & Casualty Insurance Market (2006): Percentage Market Share of Premiums by Company - China Pacific, China United Property, Dadi P&C, PICC, Ping An P&C, Tianan, Other Chinese Life Insurers, and Foreign Life Insurers (includes corresponding Graph/Chart)

Table 273: Top Players in the Chinese P&C Insurance Market (2003 & 2004): Percentage Value Breakdown of Premiums for PICC, China Pacific, Ping An and Others (includes corresponding Graph/Chart)

Table 274: Leading Players in the Chinese Commercial Property Insurance Market (2003): Percentage Value Breakdown of Premium by Company for PICC, China Pacific, Ping An and Others (includes corresponding Graph/Chart)

Market Forecast

Distribution Overview

A Provincial Perspective

Table 275: Non-Life Insurance Penetration Percentage for Select Chinese Cities for 2005 (includes corresponding Graph/Chart)

Table 276: Competitive Landscape Across the Top Provinces in China: 2003 (includes corresponding Graph/Chart)

Restrictions on Foreign Ownership

Introduction of Compulsory Third Party Liability

Opening Up of China

China’s Admission into WTO Fuels the Growth of Insurance Sector

The Repercussions

Hong Kong

Market Overview

Table 277: Hong Kong Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Million for the Years 2005 through 2009 (includes corresponding Graph/Chart)

Table 278: Insurance Industry in Hong Kong (2006): Per Capita Premium in US$ and Premium as % of GDP by Category - Life and Non-Life

Industry Snapshots

A Leading Insurance Market in Asia-Pacific

Market Penetration

Table 279: Hong Kong Insurance Industry (2000-2004): Percentage Breakdown of Non-Life Insurance Penetration (Premium/GDP) (includes corresponding Graph/Chart)

Table 280: Hong Kong Insurance Industry (2000-2004): Non-Life Insurance Density (Premium/POP) (In ‘000 HK$) (includes corresponding Graph/Chart)

Market Segmentation

Accident and Health

Employees’ Compensation

Engineering

Liability

Marine

Property

Insurance Service Providers

Table 281: Hong Kong Insurance Industry (2004): Number of Insurance Service Providers by Type for General Insurance, Long Term Insurance, and Composite (includes corresponding Graph/Chart)

Strong Foothold of Foreign Insurers

Captive Insurance - Key Market Participant

General/ Non-Life Insurance

Market Players: Non-Life

Table 282: Leading Players in Hong Kong General Insurance Market (2005): Percentage Breakdown by Company -ACE, American Home, Asia Insurance, AXA General, BOC Group Insurance, HSBC Insurance, Ming An, QBE HKSI, Wing Lung, Zurich Insurance, and Others (includes corresponding Graph/Chart)

Table 283: Hong Kong Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for BOC Group Insurance, American Home, Ming An, HSBC Insurance, Asia Insurance, QBE HKSI, Wing Lung, AXA General, Falcon Hong Kong, and CGU (includes corresponding Graph/Chart)

Table 284: Top-Five Players in the Non-Life Insurance Industry of Hong Kong (2002) - Gross Written Premium in US$ Million for Ming An, Bank of China Group, American Home, QBE HKSI, and HSBC Insurance (includes corresponding Graph/Chart)

A Recent Past Perspective

Recovery Amidst Economic Stagnancy

General Insurance Industry Stages Revival from Losses

Table 285: Life and Non-Life Insurance as a Percentage of GDP in Hong Kong: 1994-2003 (includes corresponding Graph/Chart)

India

Market Overview

Table 286: Indian Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Premiums in US$ Million for the Years 2005 through 2012 (includes corresponding Graph/Chart)

Table 287: Insurance Industry in India (2006): Per Capita Premium in US$, and Penetration of Insurance by Category - Life and Non-Life

Indian Economy - A Goldmine For Foreign Insurance Companies

IRDA Act Shapes Up the Industry for Future

IRDA Plans Free Price Regime for Non-Life Insurance Sector

Table 288: Indian General Insurance Market (2006 & 2007): Percentage Breakdown of Premiums by Product Category for Motor OD, Fire, PA & Health, Motor TP, Engineering, and Others (includes corresponding Graph/Chart)

Public Insurers Still Going Strong

Emergence of New Distribution Channels

Internet - A Potential Distribution Channel

Mid 90’s Perspective

Non-Life Insurance Market - The GIC Fort

Non-Life Insurance Segment

Table 289: Indian Non-Life Insurance Industry (2006): Gross Direct Premium Income Underwritten in INR Billion by Non-Life Insurers - New India, Oriental, National, United, ICICI Lombard, Bajaj Allianz, IFFCO-TOKIO, Tata AIG, Royal Sundaram, Cholamandalam, HDFC Chubb, and Reliance (includes corresponding Graph/Chart)

Table 290: Indian Non-Life Insurance Industry (2006): Percentage Breakdown of Premium by Category - Fire, Marine, and Miscellaneous (includes corresponding Graph/Chart)

Table 291: Indian P&C Market (2002-2003): Premium Written by Insurance Companies in INR Million (includes corresponding Graph/Chart)

Landscaping the Indian Insurance Industry

Private Insurance Companies Growing Considerably

Non-Life Insurance

Leading Private Players

ICICI-Prudential

Bajaj Allianz

The Entrenched State Player

General Insurance Company (GIC)

Growing Participation of Overseas Players

Foreign Players Partnering with Indian Players in the Indian Insurance Sector

Performance of Multi-National Companies

Hurdles All the Way

Challenges for the Insurance Industry

Pricing Trends

Outlook

Mongolia

A Recent Past Perspective

Table 292: Mongolian Property Insurance Market (2003 & 2004): Total Premiums in Million Togrog by Segment - Aircraft Hull Insurance, Electrical Equipment, Motor Vehicle, Property Casualty, and Others (includes corresponding Graph/Chart)

Table 293: Mongolian Property Insurance Market (2003 & 2004): Claims Paid in Million Togrog by Segment -Electrical Equipment, Motor Vehicle, Property Casualty, Transport and Others (includes corresponding Graph/Chart)

Singapore

Market Overview

Table 294: Singapore Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Million for the Years 2005 through 2010 (includes corresponding Graph/Chart)

Steps in the Right Direction

Government’s Support Fuels Growth in Insurance Sector

Tax Incentive Scheme for Overseas Insurance Businesses

Tax Exemption Scheme for Offshore Marine Hull &Liability Insurance Business

Abolition of Withholding Taxes on Financial Guarantee Insurance Contracts

Scheme for Tax-Deductible Special Reserves

Regulatory Environment

Non-Life/General Insurance

Table 295: Singapore General Insurance Market (2006 & 2007): Percentage Breakdown of Premiums by Product Category for Motor, Marine & Aviation, Fire, Personal Accident, Health, Workmen Compensation, and Miscellaneous Insurance (includes corresponding Graph/Chart)

Non-Life Insurance Market - A Recent Past Perspective

Market Leaders

Table 296: Non-Life Insurance Industry of Singapore (2003): Gross Written Premium in US$ Million by Leading Companies for NTUC Income, American Home, AVIVA, SAGI-Captive 2, AXA Singapore, India International, Mitsui SumitomoAIA, China, and Asia (includes corresponding Graph/Chart)

Table 297: Property & Casualty Insurance Market in Singapore (2003): Percentage Breakdown of Direct Premium Received by Company for NTUC Income, American Home, Aviva, AXA Singapore, SAGI - Captive, India International, and Others (includes corresponding Graph/Chart)

Table 298: Top-Five Players in the Non-Life Insurance Industry of Singapore (2002) - Gross Written Premium in US$ Million for NTUC Income, American Home, Sagi-Captive, AXA Singapore, and China (includes corresponding Graph/Chart)

5e(ii). Emerging Insurance Markets in Asia-Pacific

Bangladesh

Leading Players

Table 299: Non-Life Insurance Industry in Bangladesh (2003): Gross Written Premium in US$ Million by Leading Companies for Sadharan Bima, Corporation, Pragati, Reliance, Green Delta, Prime, Peoples, Phoenix, Bangladesh General, Rupali, and Karnaphuli (includes corresponding Graph/Chart)

Indonesia

Market Overview

Table 300: Indonesian Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Million for the Years 2005 through 2009 (includes corresponding Graph/Chart)

Indonesian General Insurance Sector - Set for Phenomenal Growth

Indonesian Auto Insurance Market

Highlights

Market Leaders

Table 301: Indonesian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Tugu Pratama, Jasa Indonesia, Central Asia, Astra Buana, Sinar Mas, Wahana Tata, Allianz Utama, AIU Indonesia, Mitsui Sumitomo, and Dayin Mitra (includes corresponding Graph/Chart)

A Recent Past Perspective

Leading Insurance Companies

Table 302: Insurance Industry in Indonesia (2001): Number of Insurance Companies by Type of Insurance for Life Insurance, Loss-Insurance, Reinsurance and Others (includes corresponding Graph/Chart)

Malaysia

Market Overview

Table 303: Malaysian Recent Past, Current & Future Analysis for General Insurance Industry with Premiums Written in RM Million for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 304: Malaysian Recent Past & Current Analysis for General Insurance Industry Premium Income in RM Million for the Years 2004 through 2008 (includes corresponding Graph/Chart)

Table 305: Malaysian Recent Past & Current Analysis for General Insurance Industry with Insurance Fund Assets in RM Million for the Years 2004 through 2008 (includes corresponding Graph/Chart)

Insurance - A Booming Industry

Policies and Measures Reinforce Insurance Sector

Non-Life Insurance Industry

General Insurance Sees Growth

Table 306: Malaysian General Insurance Market (2007 & 2008): Percentage Breakdown of Premiums by Category for Motor, Fire, MAT, P A, CAR & ENG, Medical, Liability, WC & EL, and Others (includes corresponding Graph/Chart)

Key Players- A Past Perspective

Table 307: Malaysian Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Kurnia, Malaysia National, Allianze General, Malaysia Assurance Alliance, AMI, American Home, Uni. Asia General, Hong Leong, Oriental Capital, and AmAssurance (includes corresponding Graph/Chart)

Table 308: Leading Players in the Malaysian Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Kurnia, MNI, Allianz General, MAA, and Uni.Asia General (includes corresponding Graph/Chart)

Mauritius

Leaders in the Non-Life Insurance Industry

Table 309: Non-Life Insurance Industry of Mauritius (2003): Gross Written Premium in US$ Million by Leading Companies for Swan, Mauritian Eagle, Mauritius Union, Albatross, Sicom, La Prudence, Island Gen, Sun, New India, and Lamco (includes corresponding Graph/Chart)

New Zealand

Industry Overview

Table 310: Insurance Industry in New Zealand (2003): Percentage Share Distribution of Insurance Companies by Region for Wellington, Auckland, Canterbury, Otago, and Other (includes corresponding Graph/Chart)

Regulatory Framework

Leaders in the Non-Life Insurance Sector

Table 311: New Zealand Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for IAG New Zealand, Vero, Lumley General, AMI, American Home, Tower, ACE, Farmers Mutual, Allianz New Zealand, and Medical Insurance Society (includes corresponding Graph/Chart)

Table 312: Leading Players in the Non-Life Insurance Industry of New Zealand (2002) - Gross Written Premium in US$ Million for IAG New Zealand, Royal & SunAlliance, NZI, Lumley General, and AMI (includes corresponding Graph/Chart)

Pakistan

Market Overview

Leaders in the Non-Life Insurance Industry

Table 313: Leading Players in the Pakistani Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Adamjee, EFU, National, New Jubilee, and New Hampshire (includes corresponding Graph/Chart)

Philippines

Non-Life Insurance Market Leaders

Table 314: Non-Life Insurance Industry of Philippines (2003): Gross Written Premium in US$ Million by Leading Companies for Malayan Insurance, Prudential Guarantee, Pioneer, BPI/MS, PHILAM Ins, UCPB Gen, Standard, Alliedbankers, Federal Phoenix, and Phil. Charters (includes corresponding Graph/Chart)

Table 315: Leading Players in the Non-Life Insurance Industry of Philippines (2000) - Gross Written Premium in US$ Million for Malayan Ins, Prudential Gtee, FGU Ins, PHILAM Ins, and Federal Phoenix (includes corresponding Graph/Chart)

South Korea

One of the Largest Insurance Markets Worldwide

Table 316: South Korean Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Premium Income in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 317: South Korean Insurance Industry (2006): Per Capita Premium in US$, and Penetration of Insurance by Category - Life and Non-Life

Long-Term Insurance and Investment Profits Aid Non-Life Sector’s Growth

Table 318: Korean Non-Life Insurance Market (2005 & 2006): Percentage Breakdown of Direct Premiums by Category - Auto, Commercial, and Long-term (includes corresponding Graph/Chart)

Insurers’ Assets Exceeds 300 Trillion Won

Insurance Industry Eyes Advanced IT Systems

EIL Insurance in 2008

A Perspective of the Market

Chinese Market offer Greener Pastures for Korean Insurers

Non-Life Insurance Industry - Market Takes a Beating

Key Players

Table 319: Leading Players in Korean Non-Life Insurance Market (2005): Percentage Market Share by Insurer - Dongbu Insurance, Hyundai M&F, LIG Insurance, Samsung, and Others (includes corresponding Graph/Chart)

Table 320: Leading Players in Korean Non-Life (Long-Term) Insurance Market (2005): Percentage Market Share by Insurer - Dongbu Insurance, Hyundai M&F, LIG Insurance, Samsung, and Others (includes corresponding Graph/Chart)

Table 321: Leading Players in Korean Non-Life (Commercial) Insurance Market (2005): Percentage Market Share by Insurer - Dongbu Insurance, Hyundai M&F, LIG Insurance, Samsung, and Others (includes corresponding Graph/Chart)

Table 322: South Korean Non-Life Insurance Industry (2003): Gross Written Premium in US$ Billion by Leading Companies for Samsung, Hyundai, Dongbu, LG, Oriental, Seoul Guarantee, First, Shindongah, Ssangyong, and Daehan (includes corresponding Graph/Chart)

Table 323: Leading Players in South Korean Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Samsung, Hyundai, Dongbu, LG, and Oriental (includes corresponding Graph/Chart)

Property Insurance Market

A Recent Past Market Scenario

Insurance Fraud Costs Dear

Sri Lanka

Non-Life Insurance Market Leaders

Table 324: Leading Players in the Sri Lankan Non-Life Insurance Industry (2003) - Gross Written Premium in US$ Million for Sri Lanka, Ceylinco, Janashakthi, Union, and Eagle (includes corresponding Graph/Chart)

Taiwan

Table 325: Taiwanese Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in NT$ Billion for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Table 326: Taiwanese Insurance Industry (2006): Per Capita Premium in US$, and Penetration of Insurance by Category - Life and Non-Life

Table 327: Taiwanese Non-life Insurance Market (2007 & 2008): Percentage Breakdown of Premium Income by Category for Automobile, Fire, Marine Cargo, Engineering, Marine Hull, Aviation, and Miscellaneous Casualty Insurance (includes corresponding Graph/Chart)

Opportunity to Expand to Mainland China Sparks Insurance Industry Growth

Establishment of Appointed Actuary System to Boost Growth

Table 328: Taiwanese Non-Life Insurance Industry (2006): Percentage Breakdown of Premiums by Sector -Auto, Aviation, Fire, Marine, and Other Property & Casualty (includes corresponding Graph/Chart)

Table 329: Taiwanese Non-Life Insurance Industry (2006): Direct Written Premiums and Retained Premiums in NT$ Million by Sector - Auto, Aviation, Fire, Marine, and Other Property & Casualty

Table 330: Taiwanese Non-Life Insurance Industry (2006): Direct Written Premiums and Retained Premiums in NT$ Million by Domestic Companies, and Foreign Companies

Market leaders in the Non-Life Insurance Sector

Table 331: Leading Players in Taiwanese Non-Life Insurance Industry (2005 & 2006): Percentage Market Share of Premiums by Company - Cathay Century, Central, Chung Kuo, the First, Fubon, Mingtai, Shin Kong, South China, Tai Ping, Taian, Taiwan Fire, Tokio Marine Newa, and Others (includes corresponding Graph/Chart)

Table 332: Taiwanese Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Fubon, Mingtai, Shin Kong, Union, Cathay Century, Central, Taian, Zurich, Chung Kuo, and Newa (includes corresponding Graph/Chart)

Table 333: Taiwanese Non-Life Insurance Industry (2003): Net Premium and Net Losses in NT$ Million for Domestic and Foreign Companies

Table 334: Leading Players in the Taiwanese Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Fubon, Mingtai, Shin Kong, Central, and Cathay Century (includes corresponding Graph/Chart)

Assessing Earthquake Exposure - A Key Development During Early 2000s

Thailand

Table 335: Thai Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in Billion Baht for the Years 2005 through 2010 (includes corresponding Graph/Chart)

Table 336: Thai Non-life Insurance Market (2006 & 2007): Percentage Breakdown of Net Written Premiums by Line of Business - Automobile (Voluntary, & Compulsory), Fire, Marine & Transportation, and Miscellaneous* (includes corresponding Graph/Chart)

Market Leaders in the Non-Life Insurance Sector

Table 337: Leading Players in Thai Non-Life Insurance Market (2006): Percentage Breakdown of Direct Premiums by Company - Viriyah Insurance, Sampanth Insurance, Bangkok Insurance, Synmunkong Insurance, The Safety Insurance, LMG Insurance, Thanachart Insurance, Liberty Insurance, Mittare Insurance, Dhipaya Insurance and Others (includes corresponding Graph/Chart)

Table 338: Thai Non-life Insurance Market (2006 & 2007): Percentage Breakdown of the Sum Insured in Billion Baht by Line of Business - Marine & Transportation, Industrial (All Risks), Personal Accident, Fire, Automobile, and Miscellaneous* (includes corresponding Graph/Chart)

Table 339: Thai Non-Life Insurance Industry (2003): Gross Written Premium in US$ Million by Leading Companies for Viriyah, Dhipaya, Bangkok, Sampanth, Deves, Synmunkong, The Safety, New Hampshire, Aviva, and Commercial (includes corresponding Graph/Chart)

Table 340: Leading Players in the Thai Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Viriyah, Dhipaya, Bangkok, Deves, and The Safety (includes corresponding Graph/Chart)

Non-Life Sector Lagging Behind - A Historic Review

The Reforms

Vietnam

Market Overview

Insurance Sector Representation

Table 341: Vietnamese Recent Past, Current & Future Analysis for Non-Life Insurance Industry with Annual Premium Income in US$ Million for the Years 2005 through 2009 (includes corresponding Graph/Chart)

The Non-Life Insurance Sector of Vietnam - A Market Scenario

Table 342: Insurance Market in Vietnam: Premium in US$ Million and Premium/ GDP for the Period 1997-2002 (includes corresponding Graph/Chart)

Major Categories of Insurance

Stiff Competition Brewing

Players and the Potential

State Insurer Feels the Pinch

Leading Insurance Companies/Groups Active in Vietnam

Entry of Foreign Companies

Foreign Insurers Make Mark in Vietnamese Insurance Market

Foreign Insurers Increasingly Rely on Joint Ventures to Enter Vietnamese Market

The Present and Future

The Obligatory Social Insurance

Non-Life Insurance Sector

Key Players

Table 343: Leading Players in the Non-Life Insurance Industry of Vietnam (2004): Percentage Market Share by Company - Allianz, Bao Minh, BIDV-QBE, BaoViet, PJICO, PTI, PVI, Samsung-Vina, UIC, VIA, and Others(includes corresponding Graph/Chart)

Table 344: Leading Players in the Non-Life Insurance Industry of Vietnam (2003): Percentage Share Breakdown by Premium for BaoViet, BaoMinh, PJICO, PV Insurance, and Others (includes corresponding Graph/Chart)

Table 345: Leading Players in the Non-Life Insurance Industry of Vietnam (2001) - Gross Written Premium in US$ Million for Bao Viet, Bao Minh, PVIC, PJICO, and PTI (includes corresponding Graph/Chart)

Vietnamese Insurance Industry - A Recent Past Perspective

Unfair Competition Moves

5f. The Middle East

Market Overview

Small, Yet Significant Market

The Post September 11 Scenario

Iraq Poses a Great Opportunity for Insurance Industry

Low Insurance Rates in Middle East

Opportunities and Risks in the Middle East Oil and Energy Insurance Market

Uncertain Times Ahead

Facts & Figures: 2000

Table 346: Insurance Industry in the Middle East (2000): Premiums (Non-Life & Life) in US$ Million and Population in Million by Leading Countries for Saudi Arabia, UAE, Egypt, Iran, Lebanon, Kuwait, Oman, Qatar, Jordan, Libya, Bahrain, Syria, and Yemen (includes corresponding Graph/Chart)

Industry Structure

Liberalization

Regulation

Competition

International Presence Springs Indigenous Innovations

Regional Cooperation

Distribution

Challenges Ahead

Outlook

The Road Ahead

Bahrain

Major Players in the Non-Life Insurance Industry

Table 347: Non-Life Insurance Industry in Bahrain (2003): Gross Written Premium in US$ Million by Leading Companies for Bahrain National, Gulf Union, Bahrain Kuwait, Al Ahlia, Takaful International, Norwich Union, United New India, Iran, and Royal & SunAlliance (includes corresponding Graph/Chart)

Egypt

Industry Overview

Table 348: Egyptian Recent Past Analysis for Non-Life Insurance Industry with Annual Premium in US$ Million for the Years 2003 through 2007 (includes corresponding Graph/Chart)

Leaders in the Non-Life Insurance Sector

Table 349: Leading Players in the Egyptian Non-Life Insurance Industry (2003) - Gross Written Premium in US$ Million for Misr, Al Chark, National, Suez Canal, and AIG (includes corresponding Graph/Chart)

Table 350: Egyptian Non-Life Insurance Industry (1995-2000): Market Percentage Share by Segment for Fire, Cargo, Inland, Marine Hull, Aviation, Accident, Engineering, Motor Act, Motor Comprehensive, Oil, and Medical (includes corresponding Graph/Chart)

Iran

Israel

Market Leaders in the Non-Life Insurance Industry

Table 351: Top-Five Players in the Israeli Non-Life Insurance Industry (2002) - Gross Written Premium in US$ Million for Clal, Sahar-Zion, Migdal, Is. Phoenix, and Menora (includes corresponding Graph/Chart)

Table 352: Cost of National Health Insurance Services Funded by Health Funds in Israel: 1998-2002 (includes corresponding Graph/Chart)

Jordan

Industry Overview

Table 353: Jordanian Recent Past, Current & Future Analysis for General Insurance Industry with Annual Premium Income in US$ Million for the Years 2006 through 2010 (includes corresponding Graph/Chart)

Market Leaders

Table 354: Jordanian General Insurance Industry (2006 & 2007): Percentage Breakdown of Market Shares by Company - Arab Orient Insurance, Jordan Insurance, International Insurance, Middle East Insurance, Arab German Insurance, Jordan French Insurance, Life &