人寿和年金保险市场基于(关键地区、市场参与者、规模和份额)- 到 2030 年的预测

  • Report Code : TIPRE00039099
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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Life and Annuity Insurance Market Forecast to 2031

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人寿和年金保险市场规模和趋势

人寿和年金保险市场预计将以 8.8 的复合年增长率扩张从 2023 年到 2031 年,直接面向消费者销售的增长和先进技术的不断整合将推动预测期内人寿和年金保险市场的增长。

人寿和年金保险市场分析

该报告包括由于当前的增长前景人寿和年金保险市场趋势及其在预测期内的可预见影响。由于寿险和年金都有助于延迟收入纳税,因此已成为推动寿险和年金保险市场增长的主要因素之一。此外,该保险还为保单持有人提供有保证的定期收入,以换取向保险公司支付的大笔费用。此外,技术和定制消息传递的日益融合正在为预测期内的市场增长创造机会。此外,代理分销的重点正在转向富裕市场,这为个人市场的新老保险公司腾出了空间。直接面向消费者的销售额的增长预计将推动人寿和年金保险市场的增长。

人寿和年金保险市场概述

人寿保险通常用于在受保人去世后向继承人进行补偿。而年金则为用户提供投资并在他们还活着时提供收入。然而,年金可以包含死亡抚恤金,许多人寿保险保单允许用户在生前积累资金。人寿保险有多种类型。定期人寿保险仅提供身故赔偿。永久人寿保险保单可以为用户的余生提供保障。此外,永久保险会累积可在一生中提取的现金价值。终身人寿保险保单支付的利率是固定的。此外,用户还可以使用变量投资子账户,例如共同基金;他的成长取决于他的资产的表现。

 

战略见解

人寿和年金保险市场驱动因素

人们对人寿和年金保险的认识不断增强保险的好处推动人寿和年金保险市场增长

人寿保险和年金是两种税收优惠的金融产品可以帮助保护保险公司及其亲人的工具。年金提供源源不断的收入,以换取一次性支付,而人寿保险则提供大笔金额,以换取持续的保费支付。一般来说,死亡抚恤金是免税给予继承人的。需要缴纳遗产税或遗产税的遗产是主要的例外。如果人寿保险收益在受保人去世后保留在账户一段时间,其中一些可能需要纳税。如果死亡抚恤金在支付给受益人之前产生利息,则应纳税。同样,存款证(CD)的受欢迎可归因于其安全性和有保证的回报率。但在低利率时期,这些回报率可能无法跟上通货膨胀的速度。根据 Bankrate LLC 的数据,截至 2023 年 12 月,CD 的一年期平均利率为 1.73%,明显低于普通通胀率,使得年金的利率更加慷慨。因此,保险的所有上述好处正在推动人寿和年金保险市场的增长。

人寿和年金保险市场报告细分分析

  • 基于保险类型人寿年金保险市场分为个人保险、年金保险、养老保险、终身寿险等。预计到2023年,个人保险领域将占据相当大的人寿和年金保险市场份额。
  • 个人人寿保险是一种由一个人购买并仅保护一个人的保单。如果被保险人去世,本保险旨在支付未亡配偶或家庭成员的费用。

 

按地域划分的人寿和年金保险市场份额分析< /span>

人寿和年金保险市场范围主要分为五个地区 - 北美、欧洲、亚太地区、中东和非洲。非洲、南美洲。北美正在经历快速增长,预计将占据重要的人寿和年金保险市场份额。该地区经济的显着发展、人口的增长以及不同经济体对金融包容性的日益关注推动了这一增长。此外,个人对人寿和年金保险福利的认识不断增强,也推动了该地区的市场增长。此外,、人工智能等技术的日益普及,进一步为该地区人寿和年金保险市场的增长创造了机会。

人寿及年金保险市场报告范围

“人寿及年金保险市场分析” ”是根据保险类型和地理位置进行的。根据保险类型,市场分为个人保险、年金保险、养老保险、终身寿险等。根据地理位置,市场分为北美、欧洲、亚太地区、中东和中东地区。非洲、南美洲。

 

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8.8%

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覆盖地区

报告属性

详情

2023年市场规模

XX 十亿美元

2031 年市场规模

XX 亿美元

全球复合年增长率(2023-2031)

实际数据

2021年  2023年

预测时期

2024年  2031年

报告覆盖范围

市场规模和预测(美元),市场驱动因素和趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司概况

涵盖的细分市场

保险类型(个人保险、年金保险、两全保险、终身寿险等)和地域

北美、欧洲、亚太、南美、MEA

涵盖的国家/地区

美国;加拿大;墨西哥;英国;德国;法国、俄罗斯、意大利;中国;印度;日本、澳大利亚;韩国;巴西;阿根廷;沙特阿拉伯;阿联酋;南非

市场领导者和主要公司简介

西北互助人寿保险公司、万通互助银行、安联人寿保险公司、AXA SA、MetLife Services and Solutions LLC、伯克希尔哈撒韦人寿、美国国际集团公司、Chubb、保德信金融公司、苏黎世

 

 

 

人寿和年金保险市场新闻和最新动态

公司在寿险和年金保险市场采用并购等无机和有机策略。下面列出了近期的一些关键市场发展:

 

  • 2022 年 9 月,Northwestern Mutual 宣布推出长期优势,一项旨在帮助人们支付长期护理需求的新产品 –如果最终不需要,它将提供人寿保险福利。该产品还具有保证保费且不会增加费率,具有多种主要福利,包括长期护理福利、死亡福利和累积价值。

[来源:西北互助银行,公司网站]

 

生活和年金保险市场报告覆盖范围和可交付成果

人寿和年金保险市场预测是根据各种二次和主要研究结果进行估计的,例如主要公司出版物、协会数据和数据库。市场报告《人寿和年金保险市场规模及预测(2021年–2031年)》提供了对以下领域市场的详细分析-

  • 市场规模和预测对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
  • 市场动态,例如驱动因素、限制因素和关键机遇。
  • < span>未来主要趋势。
  • 详细的 PEST 和 PEST 技术。 SWOT 分析
  • 全球和区域市场分析,涵盖主要市场趋势、主要参与者、法规和最新市场发展。
  • 行业格局和竞争分析,涵盖市场集中度、热图分析、主要参与者和最新发展。
  • 详细的公司简介。
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

Frequently Asked Questions


What are the driving factors impacting the global life and annuity insurance market?

Growing awareness regarding the benefits of insurance is the major factors that propel the global life and annuity insurance market.

What is the estimated market CAGR for the global life and annuity insurance market?

The Life and Annuity Insurance Market is anticipated to expand at a CAGR of 8.8% from 2023 to 2031.

What are the future trends of the global life and annuity insurance market?

The growing integration of advanced technologies is anticipated to play a significant role in the global life and annuity insurance market in the coming years.

Which are the key players holding the major market share of the life and annuity insurance market?

The key players holding majority shares in the global life and annuity insurance market are The Northwestern Mutual Life Insurance Company, Allianz Life Insurance Company, AXA SA, Berkshire Hathaway Life, and American International Gro Inc.

What will be the market size for the global life and annuity insurance market by 2031?

The global life and annuity insurance market is expected to reach US$ 7248.31 billion by 2031.

  • The Northwestern Mutual Life Insurance Company
  • MassMutual
  • Allianz Life Insurance Company
  • AXA SA
  • MetLife Services and Solutions LLC
  • Berkshire Hathaway Life
  • American International Group Inc
  • Chubb
  • Prudential Financial Inc
  • Zurich

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. Data Collection and Secondary Research:

As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.

Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.

  1. Primary Research:

The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.

For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.

A typical research interview fulfils the following functions:

  • Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
  • Validates and strengthens in-house secondary research findings
  • Develops the analysis team’s expertise and market understanding

Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.

  1. Data Analysis:

Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.

  • Macro-Economic Factor Analysis:

We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.

  • Country Level Data:

Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.

  • Company Profile:

The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.

  • Developing Base Number:

Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.

  1. Data Triangulation and Final Review:

The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.

We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.

We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.

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