1. Life Insurance in Spain, Key Trends and Opportunities to 2016
Report Details:
Published:October 2012
No. of Pages: 251
Price: Single User License – US$1950
Synopsis
The report provides in depth market analysis, information and insights into the Spanish life
insurance market, including:
•The Spanish life insurance market’s growth prospects by life insurance categories and customer
segments
•The various distribution channels in the Spanish life insurance market
•The competitive landscape in the Spanish life insurance market
•A description of the life reinsurance market in Spain
Executive summary
The Spanish life insurance segment is considered to be one of the largest life insurance segments
in Europe and witnessed a healthy growth during the review period. Despite registering a
decrease in 2010 as a result of the debt crisis which created financial difficulties for life insurers,
the segment bounced back in 2011 due to the crisis in public pension systems that drove people
towards private pension plans.
Scope
This report provides a comprehensive analysis of the life insurance market in Spain:
•It provides historical values for Spain’s life insurance market for the report’s 2007–2011 review
period and forecast figures for the 2012–2016 forecast period
•It offers a detailed analysis of the key sub-segments in Spain’s life insurance market, along with
market forecasts until 2016
•It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio,
commissions and expenses, combined ratio, frauds and crimes, total assets, total investment
income and retentions
•It analyses the various distribution channels for life insurance products in Spain
•Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in
Spain for the life insurance business
•It provides a detailed analysis of the reinsurance market in Spain and its growth prospects
•It profiles the top life insurance companies in Spain and outlines the key regulations affecting
them
Key highlights

2. •The Spanish life insurance segment is considered to be one of the largest life insurance
segments in Europe.
•The growing aging population in Spain is expected to increase the market of post retirement
savings, such as pensions and general annuity.
•The presence of an aging population, deficits in pensions and a shrinking workforce are expected
to drive long term demand for life insurance and private pensions.
•Life insurance in Spain is predominantly distributed through bancassurance.
•The weak economic conditions in the country affected the sales of life insurance products,
particularly pensions, group life, group superannuation and term life, causing a decline in overall
premiums.
Reasons to buy
•Make strategic business decisions using historic and forecast market data related to the Spanish
life insurance market and each sector within it
•Understand the demand-side dynamics, key market trends and growth opportunities within the
Spanish life insurance market
•Assess the competitive dynamics in the life insurance market, along with the reinsurance
segment
•Identify the growth opportunities and market dynamics within key product categories
•Gain insights into key regulations governing the Spanish insurance market and its impact on
companies and the market's future
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Major points covered in Table of Contents of this report include
Table of Contents
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Spanish Insurance Industry Attractiveness
3.1 Insurance Industry
3.2 Key Industry Trends and Drivers
3.2.1 Business drivers
3.2.2 Consumer drivers
3.3 Recent Market Developments
4 Life Insurance Segment Outlook
4.1 Life Insurance Growth Prospects by Category
4.1.1 Individual life insurance category
4.1.2 Individual pension category
4.1.3 Individual endowment category

3. 4.1.4 Individual marriage and birth insurance category
4.1.5 Individual unit-linked insurance sub-category
4.1.6 Individual term life insurance category
4.1.7 Individual others category
4.1.8 Group life insurance category
4.1.9 Group superannuation category
4.2 Life Insurance Growth Prospects by Customer Segments
4.2.1 Individual single premium category
4.2.2 Individual non-single premium category
4.2.3 Group single premium category
4.2.4 Group non-single premium category
5 Analysis by Distribution Channel
5.1 Direct Marketing Channel
5.2 Bancassurance Channel
5.3 Agencies Channel
5.4 E-Commerce Channel
5.5 Brokers Channel
5.6 Other Channels
6 Regulatory Policies
7 Porter’s Five Forces Analysis – Spanish Life Insurance
7.1 Bargaining Power of Supplier: Medium
7.2 Bargaining Power of Buyer: Medium
7.3 Barriers to Entry: Low to Medium
7.4 Intensity of Rivalry: Medium to High
7.5 Threat of Substitutes: Low
8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance market size, 2007–2016
8.2 Reinsurance market size by type of insurance, 2007–2016
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in the Spanish Life Insurance Segment
9.3 Comparison of Top Five Insurers
9.3.1 Gross Written Premium
9.3.2 Incurred loss premium
9.3.3 Outward reinsurance expense
9.3.4 Net earned premium
9.3.5 Gross claims
9.3.6 Paid claims
9.4 Vidacaixa – Company Overview
9.4.1 Vidacaixa – key facts
9.4.2 Vidacaixa – key financials
9.5 Bansabadell Vida – Company Overview

4. 9.5.1 Bansabadell Vida – key facts
9.5.2 Bansabadell Vida – key financials
9.6 Santander Seguros – Company Overview
9.6.1 Santander Seguros – key facts
9.6.2 Santander Seguros – key financials
9.7 Ibercaja Vida – Company Overview
9.7.1 Ibercaja Vida – key facts
9.7.2 Ibercaja Vida – key financials
9.8 Mapfre Vida – Company Overview
9.8.1 Mapfre Vida – key facts
9.8.2 Mapfre Vida – key financials
9.9 Caser – Company Overview
9.9.1 Caser – key facts
9.9.2 Caser – key financials
9.1 Mapfre Caja Madrid Vida – Company Overview
9.10.1 Mapfre Caja Madrid Vida – key facts
9.10.2 Mapfre Caja Madrid Vida – key financials
9.11 BBVA Seguros – Company Overview
9.11.1 BBVA Seguros – key facts
9.11.2 BBVA Seguros – key financials
9.12 Generali Seguros – Company Overview
9.12.1 Generali Seguros – key facts
9.13 Ascat Vida – Company Overview
9.13.1 Ascat Vida – key facts
9.13.2 Ascat Vida – key financials
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Business confidence indicator
10.1.2 Market capitalization trend – Spanish Stock Exchange (BME), Spain
10.2 Economic Performance
10.2.1 GDP at constant prices (US dollar)
10.2.2 GDP per capita at constant prices (US dollar)
10.2.3 GDP at current prices (US dollar)
10.2.4 GDP per capita at current prices (US dollar)
10.2.5 GDP by key segments
10.2.6 Agricultural net output at current prices (Euro)
10.2.7 Agricultural net output at current prices (US dollar)
10.2.8 Agricultural net output at current prices as a percentage of GDP
10.2.9 Manufacturing net output at current prices (Euro)
10.2.10 Manufacturing net output at current prices (US dollar)
10.2.11 Manufacturing net output at current prices as a percentage of GDP
10.2.12 Mining, manufacturing and utilities net output at current prices (Euro)

5. 10.2.13 Mining, manufacturing and utilities at current prices (US dollar)
10.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP
10.2.15 Construction net output at current prices (Euro)
10.2.16 Construction net output at current prices, (US dollar)
10.2.17 Construction net output at current prices as a percentage of GDP
10.2.18 Inflation rate
10.2.19 Current account balance as a percentage of GDP
10.2.20 Exports as a percentage of GDP
10.2.21 Imports as a percentage of GDP
10.2.22 Exports growth
10.2.23 Imports growth
10.2.24 Annual average exchange rate US$–EUR
10.2.25 End-of-period exchange rate US$–EUR
10.3 Infrastructure Quality and Availability
10.3.1 Total airports and sea ports
10.3.2 Railways and roadways
10.3.3 Passenger vehicle production volume
10.3.4 Commercial vehicle production volume
10.3.5 Automotive component exports trend
10.3.6 Automotive component imports trend
10.3.7 Passenger car penetration
10.3.8 Healthcare expenditure
10.3.9 Healthcare expenditure as a percentage of GDP
10.3.10 Healthcare expenditure per capita
10.3.11 Total internet subscribers
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate
10.5 Demographics
10.5.1 Annual disposable income
10.5.2 Annual per capita disposable income
10.5.3 Total population
10.5.4 Urban and rural population
10.5.5 Female percentage of population
10.5.6 Male percentage of population
10.5.7 Mean age of the population
10.5.8 Median age of population
10.5.9 Population density
10.5.10 Age distribution of the total population
10.5.11 Age distribution of the male population
10.5.12 Age distribution of the female population
10.6 Political and Social Risk

6. 10.6.1 Political stability
10.6.2 Terrorism index
10.6.3 Transparency index
11 Appendix
11.1 Methodology
11.2 Contact Us
11.3 About Timetric
11.4 Disclaimer
List of Tables
Table 1: Insurance Industry Definitions
Table 2: Spanish Insurance Overall Written Premium by Segment (EUR Billion), 2007–2011
Table 3: Spanish Insurance Overall Written Premium by Segment (US$ Billion), 2007–2011
Table 4: Spanish Insurance Overall Written Premium by Segment (EUR Billion), 2011–2016
Table 5: Spanish Insurance Overall Written Premium by Segment (US$ Billion), 2011–2016
Table 6: Spanish Insurance Segmentation (% Share), 2007–2016
Table 7: Spanish Life Insurance Written Premium by Category (EUR Billion), 2007–2011
Table 8: Spanish Life Insurance Written Premium by Category (US$ Billion), 2007–2011
Table 9: Spanish Life Insurance Written Premium by Category (EUR Billion), 2011–2016
Table 10: Spanish Life Insurance Written Premium by Category (US$ Billion), 2011–2016
Table 11: Spanish Life Insurance – Earned Premium (EUR Billion), 2007–2011
Table 12: Spanish Life Insurance – Earned Premium (EUR Billion), 2011–2016
Table 13: Spanish Life Insurance – Sum Assured (EUR Trillion), 2007–2011
Table 14: Spanish Life Insurance – Sum Assured (EUR Trillion), 2011–2016
Table 15: Spanish Life Insurance – Paid Claims (EUR Billion), 2007–2011
Table 16: Spanish Life Insurance – Paid Claims (EUR Billion), 2011–2016
Table 17: Spanish Life Insurance – Incurred Loss (EUR Billion), 2007–2011
Table 18: Spanish Life Insurance – Incurred Loss (EUR Billion), 2011–2016
Table 19: Spanish Life Insurance – Loss Ratio (%), 2007–2011
Table 20: Spanish Life Insurance – Loss Ratio (%), 2011–2016
Table 21: Spanish Life Insurance – Commissions and Expenses (EUR Billion), 2007–2011
Table 22: Spanish Life Insurance – Commissions and Expenses (EUR Billion), 2011–2016
Table 23: Spanish Life Insurance – Combined Ratio (%), 2007–2011
Table 24: Spanish Life Insurance – Combined Ratio (%), 2011–2016
Table 25: Spanish Life Insurance – Frauds and Crimes (EUR Billion), 2007–2011
Table 26: Spanish Life Insurance – Frauds and Crimes (EUR Billion), 2011–2016
Table 27: Spanish Life Insurance – Total Assets (EUR Billion), 2007–2011
Table 28: Spanish Life Insurance – Total Assets (EUR Billion), 2011–2016
Table 29: Spanish Life Insurance – Total Investment Income (EUR Billion), 2007–2011
Table 30: Spanish Life Insurance – Total Investment Income (EUR Billion), 2011–2016
Table 31: Spanish Life Insurance – Retentions (EUR Billion), 2007–2011
Table 32: Spanish Life Insurance – Retentions (EUR Billion), 2011–2016
Table 33: Spanish Individual Life Insurance Category – Number of Active Policies (Thousand),

7. 2007–2011
Table 34: Spanish Individual Life Insurance Category – Number of Active Policies, 2011–2016
Table 35: Spanish Individual Life Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 36: Spanish Individual Life Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 37: Spanish Individual Pension Category – Number of Active Policies (Thousand),
2007–2011
Table 38: Spanish Individual Pension Category – Number of Active Policies (Thousand),
2011–2016
Table 39: Spanish Individual Pension Category – Written Premium (EUR Billion), 2007–2011
Table 40: Spanish Individual Pension Category – Written Premium (EUR Billion), 2011–2016
Table 41: Spanish Individual Endowment Category – Number of Active Policies (Thousand),
2007–2011
Table 42: Spanish Individual Endowment Category – Number of Active Policies (Thousand),
2011–2016
Table 43: Spanish Individual Endowment Category – Written Premium (EUR Billion), 2007–2011
Table 44: Spanish Individual Endowment Category – Written Premium (EUR Billion), 2011–2016
Table 45: Spanish Individual Marriage and Birth Insurance Category – Number of Active Policies
(Thousand), 2007–2011
Table 46: Spanish Individual Marriage and Birth Insurance Category – Number of Active Policies
(Thousand), 2011–2016
Table 47: Spanish Individual Marriage and Birth Insurance Category – Written Premium (EUR
Billion), 2007–2011
Table 48: Spanish Individual Marriage and Birth Insurance Category – Written Premium (EUR
Billion), 2011–2016
Table 49: Spanish Individual Unit-linked Insurance Sub-Category – Number of Active Policies
(Thousand), 2007–2011
Table 50: Spanish Individual Unit-linked Insurance Sub-Category – Number of Active Policies
(Thousand), 2011–2016
Table 51: Spanish Individual Unit-linked Insurance Sub-Category – Written Premium (EUR Billion),
2007–2011
Table 52: Spanish Individual Unit-linked Insurance Sub-Category – Written Premium (EUR Billion),
2011–2016
Table 53: Spanish Individual Term Life Insurance Category – Number of Active Policies
(Thousand), 2007–2011
Table 54: Spanish Individual Term Life Insurance Category – Number of Active Policies
(Thousand), 2011–2016
Table 55: Spanish Individual Term Life Insurance Category – Written Premium (EUR Billion),
2007–2011
Table 56: Spanish Individual Term Life Insurance Category – Written Premium (EUR Billion),
2011–2016
Table 57: Spanish Individual Others Category – Number of Active Policies (Thousand),
2007–2011

8. Table 58: Spanish Individual Others Category – Number of Active Policies (Thousand),
2011–2016
Table 59: Spanish Individual Others Category – Written Premium (EUR Billion), 2007–2011
Table 60: Spanish Individual Others Category – Written Premium (EUR Billion), 2011–2016
Table 61: Spanish Group Life Insurance Category – Number of Active Policies (Thousand),
2007–2011
Table 62: Spanish Group Life Insurance Category – Number of Active Policies (Thousand),
2011–2016
Table 63: Spanish Group Life Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 64: Spanish Group Life Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 65: Spanish Group Superannuation Category – Number of Active Policies (Thousand),
2007–2011
Table 66: Spanish Group Superannuation – Number of Active Policies (Thousand), 2011–2016
Table 67: Spanish Group Superannuation Category – Written Premium (EUR Billion), 2007–2011
Table 68: Spanish Group Superannuation Category – Written Premium (EUR Billion), 2011–2016
Table 69: Spanish Individual Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Table 70: Spanish Individual Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Table 71: Spanish Individual Single Premium Category – Written Premium (EUR Billion),
2007–2011
Table 72: Spanish Individual Single Premium Category – Written Premium (EUR Billion),
2011–2016
Table 73: Spanish Individual Non-Single Premium Category – Number of Active Policies
(Thousand), 2007–2011
Table 74: Spanish Individual Non-Single Premium Category – Number of Active Policies
(Thousand), 2011–2016
Table 75: Spanish Individual Non-Single Premium Category – Written Premium (EUR Billion),
2007–2011
Table 76: Spanish Individual Non-Single Premium Category – Written Premium (EUR Billion),
2011–2016
Table 77: Spanish Group Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Table 78: Spanish Group Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Table 79: Spanish Group Single Premium Category – Written Premium (EUR Billion), 2007–2011
Table 80: Spanish Group Single Premium Category – Written Premium (EUR Billion), 2011–2016
Table 81: Spanish Group Non-Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Table 82: Spanish Group Non-Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Table 83: Spanish Group Non-Single Premium Category – Written Premium (EUR Billion),

9. 2007–2011
Table 84: Spanish Group Non-Single Premium Category – Written Premium (EUR Billion),
2011–2016
Table 85: Spanish Life Insurance – Direct Marketing Commission Paid (EUR Billion), 2007–2011
Table 86: Spanish Life Insurance – Direct Marketing Commission Paid (EUR Billion), 2011–2016
Table 87: Spanish Life Insurance – New Business Written Premium Through Direct Marketing
(EUR Billion), 2007–2011
Table 88: Spanish Life Insurance – New Business Written Premium Through Direct Marketing
(EUR Billion), 2011–2016
Table 89: Spanish Life Insurance – New Policies Sold Through Direct Marketing (Thousand),
2007–2011
Table 90: Spanish Life Insurance – New Policies Sold Through Direct Marketing (Thousand),
2011–2016
Table 91: Spanish Life Insurance – Number of Direct Marketing Distributors, 2007–2011
Table 92: Spanish Life Insurance – Number of Direct Marketing Distributors, 2011–2016
Table 93: Spanish Life Insurance – Bancassurance Commission Paid (EUR Billion), 2007–2011
Table 94: Spanish Life Insurance – Bancassurance Commission Paid (EUR Billion), 2011–2016
Table 95: Spanish Life Insurance – New Business Written Premium Through Bancassurance
(EUR Billion), 2007–2011
Table 96: Spanish Life Insurance – New Business Written Premium Through Bancassurance
(EUR Billion), 2011–2016
Table 97: Spanish Life Insurance – New Policies Sold Through Bancassurance (Thousand),
2007–2011
Table 98: Spanish Life Insurance – New Policies Sold Through Bancassurance (Thousand),
2011–2016
Table 99: Spanish Life Insurance – Number of Bancassurance Distributors, 2007–2011
Table 100: Spanish Life Insurance – Number of Bancassurance Distributors, 2011–2016
Table 101: Spanish Life Insurance – Commission Paid to Agencies (EUR Billion), 2007–2011
Table 102: Spanish Life Insurance – Commission Paid to Agencies (EUR Billion), 2011–2016
Table 103: Spanish Life Insurance – New Business Written Premium Through Agencies (EUR
Billion), 2007–2011
Table 104: Spanish Life Insurance – New Business Written Premium Through Agencies (EUR
Billion), 2011–2016
Table 105: Spanish Life Insurance – New Policies Sold Through Agencies (Thousand),
2007–2011
Table 106: Spanish Life Insurance – New Policies Sold Through Agencies (Thousand),
2011–2016
Table 107: Spanish Life Insurance – Number of Agencies, 2007–2011
Table 108: Spanish Life Insurance – Number of Agencies, 2011–2016
Table 109: Spanish Life Insurance – E-Commerce Commission Paid (EUR Billion), 2007–2011
Table 110: Spanish Life Insurance – E-Commerce Commission Paid (EUR Billion), 2011–2016
Table 111: Spanish Life Insurance – New Business Written Premium Through E-Commerce (EUR

10. Billion), 2007–2011
Table 112: Spanish Life Insurance – New Business Written Premium Through E-Commerce (EUR
Billion), 2011–2016
Table 113: Spanish Life Insurance – New Policies Sold Through E-Commerce (Thousand),
2007–2011
Table 114: Spanish Life Insurance – New Policies Sold Through E-Commerce (Thousand),
2011–2016
Table 115: Spanish Life Insurance – Number of E-Commerce Distributors, 2007–2011
Table 116: Spanish Life Insurance – Number of E-Commerce Distributors, 2011–2016
Table 117: Spanish Life Insurance – Commission Paid to Brokers (EUR Billion), 2007–2011
Table 118: Spanish Life Insurance – Commission Paid to Brokers (EUR Billion), 2011–2016
Table 119: Spanish Life Insurance – New Business Written Premium Through Brokers (EUR
Billion), 2007–2011
Table 120: Spanish Life Insurance – New Business Written Premium Through Brokers (EUR
Billion), 2011–2016
Table 121: Spanish Life Insurance – New Policies Sold Through Brokers (Thousand), 2007–2011
Table 122: Spanish Life Insurance – New Policies Sold Through Brokers (Thousand), 2011–2016
Table 123: Spanish Life Insurance – Number of Brokers, 2007–2011
Table 124: Spanish Life Insurance – Number of Brokers, 2011–2016
Table 125: Spanish Life Insurance – Commission Paid to Other Channels (EUR Billion),
2007–2011
Table 126: Spanish Life Insurance – Commission Paid to Other Channels (EUR Billion),
2011–2016
Table 127: Spanish Life Insurance – New Business Written Premium Through Other Channels
(EUR Billion), 2007–2011
Table 128: Spanish Life Insurance – New Business Written Premium Through Other Channels
(EUR Billion), 2011–2016
Table 129: Spanish Life Insurance – New Policies Sold Through Other Channels (Thousand),
2007–2011
Table 130: Spanish Life Insurance – New Policies Sold Through Other Channels (Thousand),
2011–2016
Table 131: Spanish Life Insurance – Number of Distributors in Other Channels, 2007–2011
Table 132: Spanish Life Insurance – Number of Distributors in Other Channels, 2011–2016
Table 133: Spanish Reinsurance Segment by Category (EUR Billion), 2007–2011
Table 134: Spanish Reinsurance Segment by Category (US$ Billion), 2007–2011
Table 135: Spanish Reinsurance Segment by Category (EUR Billion), 2011–2016
Table 136: Spanish Reinsurance Segment by Category (US$ Billion), 2011–2016
Table 137: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion),
2007–2011
Table 138: Spanish Premium Ceded to Reinsurance by Type of Insurance (US$ Billion),
2007–2011
Table 139: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion),

11. 2011–2016
Table 140: Spanish Premium Ceded to Reinsurance by Type of Insurance (US$ Billion),
2011–2016
Table 141: Spanish Life Insurance – Percentage of Reinsurance Ceded (%), 2007–2011
Table 142: Spanish Life Insurance – Percentage of Reinsurance Ceded (%), 2011–2016
Table 143: Spanish Life Insurance Market Share (%), 2009–2010
Table 144: Vidacaixa, Key Facts
Table 145: Vidacaixa, Key Financials (EUR Million)
Table 146: Bansabadell Vida, Key Facts
Table 147: Bansabadell Vida, Key Financials (EUR Million)
Table 148: Santander Seguros, Key Facts
Table 149: Santander Seguros, Key Financials (EUR Million)
Table 150: Ibercaja Vida, Key Facts
Table 151: Ibercaja Vida, Key Financials (EUR Million)
Table 152: Mapfre Vida, Key Facts
Table 153: Mapfre Vida, Key Financials (EUR Million)
Table 154: Caser, Key Facts
Table 155: Caser, Key Financials (EUR Million)
Table 156: Mapfre Caja Madrid Vida, Key Facts
Table 157: Mapfre Caja Madrid Vida, Key Financials (EUR Million)
Table 158: BBVA Seguros, Key Facts
Table 159: BBVA Seguros, Key Financials (EUR Million)
Table 160: Generali Seguros, Key Facts
Table 161: Ascat Vida, Key Facts
Table 162: Ascat Vida, Key Financials (EUR Million)
List of Figures
Figure 1: Spanish Insurance Overall Written Premium by Segment (EUR Billion), 2007–2016
Figure 2: Spanish Insurance Market Dynamics by Segment, 2007–2016
Figure 3: Spanish Life Insurance Written Premium by Category (EUR Billion), 2007–2016
Figure 4: Spanish Life Insurance Written Premium by Category (% Share), 2011 and 2016
Figure 5: Spanish Life Insurance Market Dynamics by Category, 2007–2016
Figure 6: Spanish Life Insurance – Earned Premium (EUR Billion), 2007–2011
Figure 7: Spanish Life Insurance – Earned Premium (EUR Billion), 2011–2016
Figure 8: Spanish Life Insurance – Sum Assured (EUR Trillion), 2007–2011
Figure 9: Spanish Life Insurance – Sum Assured (EUR Trillion), 2011–2016
Figure 10: Spanish Life Insurance – Paid Claims (EUR Billion), 2007–2011
Figure 11: Spanish Life Insurance – Paid Claims (EUR Billion), 2011–2016
Figure 12: Spanish Life Insurance – Incurred Loss (EUR Billion), 2007–2011
Figure 13: Spanish Life Insurance – Incurred Loss (EUR Billion), 2011–2016
Figure 14: Spanish Life Insurance – Loss Ratio (%), 2007–2011
Figure 15: Spanish Life Insurance – Loss Ratio (%), 2011–2016
Figure 16: Spanish Life Insurance – Commissions and Expenses (EUR Billion), 2007–2011

12. Figure 17: Spanish Life Insurance – Commissions and Expenses (EUR Billion), 2011–2016
Figure 18: Spanish Life Insurance – Combined Ratio (%), 2007–2011
Figure 19: Spanish Life Insurance – Combined Ratio (%), 2011–2016
Figure 20: Spanish Life Insurance – Frauds and Crimes (EUR Billion), 2007–2011
Figure 21: Spanish Life Insurance – Frauds and Crimes (EUR Billion), 2011–2016
Figure 22: Spanish Life Insurance – Total Assets (EUR Billion), 2007–2011
Figure 23: Spanish Life Insurance – Total Assets (EUR Billion), 2011–2016
Figure 24: Spanish Life Insurance – Total Investment Income (EUR Billion), 2007–2011
Figure 25: Spanish Life Insurance – Total Investment Income (EUR Billion), 2011–2016
Figure 26: Spanish Life Insurance – Retentions (EUR Billion), 2007–2011
Figure 27: Spanish Life Insurance – Retentions (EUR Billion), 2011–2016
Figure 28: Spanish Life Insurance – Investment Portfolio (EUR Billion), 2007–2011
Figure 29: Spanish Life Insurance – Investment Portfolio, 2007 and 2011
Figure 30: Spanish Life Insurance Penetration (% of GDP), 2007–2011
Figure 31: Spanish Life Insurance Density (Number of Policies Per Capita), 2007–2011
Figure 32: Spanish Life Insurance – Number of Active Policies (Thousand), 2007–2011
Figure 33: Spanish Life Insurance – Number of Active Policies (Thousand), 2011–2016
Figure 34: Spanish Life Insurance – Premium Per Capita (EUR), 2007–2011
Figure 35: Spanish Individual Life Insurance Category – Number of Active Policies (Thousand),
2007–2011
Figure 36: Spanish Individual Life Insurance Category – Number of Active Policies (Thousand),
2011–2016
Figure 37: Spanish Individual Life Insurance Category – Written Premium (EUR Billion),
2007–2011
Figure 38: Spanish Individual Life Insurance Category – Written Premium (EUR Billion),
2011–2016
Figure 39: Spanish Individual Pension Category – Number of Active Policies (Thousand),
2007–2011
Figure 40: Spanish Individual Pension Category – Number of Active Policies (Thousand),
2011–2016
Figure 41: Spanish Individual Pension Category – Written Premium (EUR Billion), 2007–2011
Figure 42: Spanish Individual Pension Category – Written Premium (EUR Billion), 2011–2016
Figure 43: Spanish Individual Endowment Category – Number of Active Policies (Thousand),
2007–2011
Figure 44: Spanish Individual Endowment Category – Number of Active Policies (Thousand),
2011–2016
Figure 45: Spanish Individual Endowment Category – Written Premium (EUR Billion), 2007–2011
Figure 46: Spanish Individual Endowment Category – Written Premium (EUR Billion), 2011–2016
Figure 47: Spanish Individual Marriage and Birth Insurance Category – Number of Active Policies
(Thousand), 2007–2011
Figure 48: Spanish Individual Marriage and Birth Insurance Category – Number of Active Policies
(Thousand), 2011–2016

13. Figure 49: Spanish Individual Marriage and Birth Insurance Category – Written Premium (EUR
Billion), 2007–2011
Figure 50: Spanish Individual Marriage and Birth Insurance Category – Written Premium (EUR
Billion), 2011–2016
Figure 51: Spanish Individual Unit-linked Insurance Sub-Category – Number of Active Policies
(Thousand), 2007–2011
Figure 52: Spanish Individual Unit-linked Insurance Sub-Category – Number of Active Policies
(Thousand), 2011–2016
Figure 53: Spanish Individual Unit-linked Insurance Sub-Category – Written Premium (EUR
Billion), 2007–2011
Figure 54: Spanish Individual Unit-linked Insurance Sub-Category – Written Premium (EUR
Billion), 2011–2016
Figure 55: Spanish Individual Term Life Insurance Category – Number of Active Policies
(Thousand), 2007–2011
Figure 56: Spanish Individual Term Life Insurance Category – Number of Active Policies
(Thousand), 2011–2016
Figure 57: Spanish Individual Term Life Insurance Category – Written Premium (EUR Billion),
2007–2011
Figure 58: Spanish Individual Term Life Insurance Category – Written Premium (EUR Billion),
2011–2016
Figure 59: Spanish Individual Others Category – Number of Active Policies (Thousand),
2007–2011
Figure 60: Spanish Individual Others Category – Number of Active Policies (Thousand),
2011–2016
Figure 61: Spanish Individual Others Category – Written Premium (EUR Billion), 2007–2011
Figure 62: Spanish Individual Others Category – Written Premium (EUR Billion), 2011–2016
Figure 63: Spanish Group Life Insurance Category – Number of Active Policies (Thousand),
2007–2011
Figure 64: Spanish Group Life Insurance Category – Number of Active Policies (Thousand),
2011–2016
Figure 65: Spanish Group Life Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 66: Spanish Group Life Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 67: Spanish Group Superannuation Category – Number of Active Policies (Thousand),
2007–2011
Figure 68: Spanish Group Superannuation Category – Number of Active Policies (Thousand),
2011–2016
Figure 69: Spanish Group Superannuation Category – Written Premium (EUR Billion), 2007–2011
Figure 70: Spanish Group Superannuation Category – Written Premium (EUR Billion), 2011–2016
Figure 71: Spanish Individual Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Figure 72: Spanish Individual Single Premium Category – Number of Active Policies (Thousand),
2011–2016

14. Figure 73: Spanish Individual Single Premium Category – Written Premium (EUR Billion),
2007–2011
Figure 74: Spanish Individual Single Premium Category – Written Premium (EUR Billion),
2011–2016
Figure 75: Spanish Individual Non-Single Premium Category – Number of Active Policies
(Thousand), 2007–2011
Figure 76: Spanish Individual Non-Single Premium Category – Number of Active Policies
(Thousand), 2011–2016
Figure 77: Spanish Individual Non-Single Premium Category – Written Premium (EUR Billion),
2007–2011
Figure 78: Spanish Individual Non-Single Premium Category – Written Premium (EUR Billion),
2011–2016
Figure 79: Spanish Group Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Figure 80: Spanish Group Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Figure 81: Spanish Group Single Premium Category – Written Premium (EUR Billion), 2007–2011
Figure 82: Spanish Group Single Premium Category – Written Premium (EUR Billion), 2011–2016
Figure 83: Spanish Group Non-Single Premium Category – Number of Active Policies (Thousand),
2007–2011
Figure 84: Spanish Group Non-Single Premium Category – Number of Active Policies (Thousand),
2011–2016
Figure 85: Spanish Group Non-Single Premium Category – Written Premium (EUR Billion),
2007–2011
Figure 86: Spanish Group Non-Single Premium Category – Written Premium (EUR Billion),
2011–2016
Figure 87: Spanish Life Insurance New Business Written Premium by Distribution Channel (%
Share), 2011 and 2016
Figure 88: Spanish Life Insurance – Direct Marketing Commission Paid (EUR Billion), 2007–2011
Figure 89: Spanish Life Insurance – Direct Marketing Commission Paid (EUR Billion), 2011–2016
Figure 90: Spanish Life Insurance – New Business Written Premium Through Direct Marketing
(EUR Billion), 2007–2011
Figure 91: Spanish Life Insurance – New Business Written Premium Through Direct Marketing
(EUR Billion), 2011–2016
Figure 92: Spanish Life Insurance – New Policies Sold Through Direct Marketing (Thousand),
2007–2011
Figure 93: Spanish Life Insurance – New Policies Sold Through Direct Marketing (Thousand),
2011–2016
Figure 94: Spanish Life Insurance – Number of Direct Marketing Distributors, 2007–2011
Figure 95: Spanish Life Insurance – Number of Direct Marketing Distributors, 2011–2016
Figure 96: Spanish Life Insurance – Bancassurance Commission Paid (EUR Billion), 2007–2011
Figure 97: Spanish Life Insurance – Bancassurance Commission Paid (EUR Billion), 2011–2016

15. Figure 98: Spanish Life Insurance – New Business Written Premium Through Bancassurance
(EUR Billion), 2007–2011
Figure 99: Spanish Life Insurance – New Business Written Premium Through Bancassurance
(EUR Billion), 2011–2016
Figure 100: Spanish Life Insurance – New Policies Sold Through Bancassurance (Thousand),
2007–2011
Figure 101: Spanish Life Insurance – New Policies Sold Through Bancassurance (Thousand),
2011–2016
Figure 102: Spanish Life Insurance – Number of Bancassurance Distributors, 2007–2011
Figure 103: Spanish Life Insurance – Number of Bancassurance Distributors, 2011–2016
Figure 104: Spanish Life Insurance – Commission Paid to Agencies (EUR Billion), 2007–2011
Figure 105: Spanish Life Insurance – Commission Paid to Agencies (EUR Billion), 2011–2016
Figure 106: Spanish Life Insurance – New Business Written Premium Through Agencies (EUR
Billion), 2007–2011
Figure 107: Spanish Life Insurance – New Business Written Premium Through Agencies (EUR
Billion), 2011–2016
Figure 108: Spanish Life Insurance – New Policies Sold Through Agencies (Thousand),
2007–2011
Figure 109: Spanish Life Insurance – New Policies Sold Through Agencies (Thousand),
2011–2016
Figure 110: Spanish Life Insurance – Number of Agencies, 2007–2011
Figure 111: Spanish Life Insurance – Number of Agencies, 2011–2016
Figure 112: Spanish Life Insurance – E-Commerce Commission Paid (EUR Billion), 2007–2011
Figure 113: Spanish Life Insurance – E-Commerce Commission Paid (EUR Billion), 2011–2016
Figure 114: Spanish Life Insurance – New Business Written Premium Through E-Commerce (EUR
Billion), 2007–2011
Figure 115: Spanish Life Insurance – New Business Written Premium Through E-Commerce (EUR
Billion), 2011–2016
Figure 116: Spanish Life Insurance – New Policies Sold Through E-Commerce (Thousand),
2007–2011
Figure 117: Spanish Life Insurance – New Policies Sold Through E-Commerce (Thousand),
2011–2016
Figure 118: Spanish Life Insurance – Number of E-Commerce Distributors, 2007–2011
Figure 119: Spanish Life Insurance – Number of E-Commerce Distributors, 2011–2016
Figure 120: Spanish Life Insurance – Commission Paid to Brokers (EUR Billion), 2007–2011
Figure 121: Spanish Life Insurance – Commission Paid to Brokers (EUR Billion), 2011–2016
Figure 122: Spanish Life Insurance – New Business Written Premium Through Brokers (EUR
Billion), 2007–2011
Figure 123: Spanish Life Insurance – New Business Written Premium Through Brokers (EUR
Billion), 2011–2016
Figure 124: Spanish Life Insurance – New Policies Sold Through Brokers (Thousand), 2007–2011
Figure 125: Spanish Life Insurance – New Policies Sold Through Brokers (Thousand), 2011–2016

16. Figure 126: Spanish Life Insurance – Number of Brokers, 2007–2011
Figure 127: Spanish Life Insurance – Number of Brokers, 2011–2016
Figure 128: Spanish Life Insurance – Commission Paid to Other Channels (EUR Billion),
2007–2011
Figure 129: Spanish Life Insurance – Commission Paid to Other Channels (EUR Billion),
2011–2016
Figure 130: Spanish Life Insurance – New Business Written Premium Through Other Channels
(EUR Billion), 2007–2011
Figure 131: Spanish Life Insurance – New Business Written Premium Through Other Channels
(EUR Billion), 2011–2016
Figure 132: Spanish Life Insurance – New Policies Sold Through Other Channels (Thousand),
2007–2011
Figure 133: Spanish Life Insurance – New Policies Sold Through Other Channels (Thousand),
2011–2016
Figure 134: Spanish Life Insurance – Number of Distributors in Other Channels, 2007–2011
Figure 135: Spanish Life Insurance – Number of Distributors in Other Channels, 2011–2016
Figure 136: Spanish Life Insurance – Porter’s Five Forces Analysis
Figure 137: Spanish Premium Ceded to Reinsurance by Category (EUR Billion), 2007–2016
Figure 138: Spanish Premium Ceded to Reinsurance by Category (% Share), 2011 and 2016
Figure 139: Spanish Reinsurance Market Dynamics by Category, 2007–2016
Figure 140: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion),
2007–2016
Figure 141: Spanish Reinsurance Market Dynamics by Type of Insurance, 2007–2016
Figure 142: Spanish Life Insurance – Percentage of Reinsurance Ceded (%), 2007–2011
Figure 143: Spanish Life Insurance – Percentage of Reinsurance Ceded (%), 2011–2016
Figure 144: Spanish Life Insurance Market Share (%), 2009 and 2010
Figure 145: Spanish Life Insurance Gross Written Premium – Top Five Spanish Life Insurers,
2010
Figure 146: Spanish Life Insurance Incurred Loss Premium – Top Five Spanish Life Insurers, 2010
Figure 147: Spanish Life Insurance Outward Reinsurance Expense – Top Five Spanish Life
Insurers, 2010
Figure 148: Spanish Life Insurance Net Earned Premium – Top Five Spanish Life Insurers, 2010
Figure 149: Spanish Life Insurance Gross Claims – Top Five Spanish Life Insurers, 2010
Figure 150: Spanish Life Insurance Paid Claims – Top Five Spanish Life Insurers, 2010
Figure 151: Spanish Business Confidence Indicator, Q1 2009 – Q4 2011
Figure 152: Spanish Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 153: Spanish GDP at Constant Prices (US$ Billion), 2007–2011
Figure 154: Spanish GDP Per Capita at Constant Prices (US$), 2007–2011
Figure 155: Spanish GDP at Current Prices (US$ Billion), 2007–2011
Figure 156: Spanish GDP Per Capita at Current Prices (US$), 2007–2011
Figure 157: Spanish GDP by Key Segments (%) 2009 and 2011
Figure 158: Spanish Agricultural Net Output at Current Prices (EUR Billion), 2007–2011

17. Figure 159: Spanish Agricultural Net Output at Current Prices (US$ Billion), 2007–2011
Figure 160: Spanish Agricultural Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 161: Spanish Manufacturing Net Output at Current Prices (EUR Billion), 2007–2011
Figure 162: Spanish Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 163: Spanish Manufacturing Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 164: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices (EUR
Billion), 2007–2011
Figure 165: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion),
2007–2011
Figure 166: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices as a
Percentage of GDP (%), 2007–2011
Figure 167: Spanish Construction Net Output at Current Prices (EUR Billion), 2007–2011
Figure 168: Spanish Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 169: Spanish Construction Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 170: Spanish Inflation Rate (%), 2007–2011
Figure 171: Spanish Current Account Balance as a Percentage of GDP (%), 2007–2011
Figure 172: Spanish Exports as a Percentage of GDP (%), 2007–2011
Figure 173: Spanish Imports as a Percentage of GDP (%), 2007–2011
Figure 174: Spanish Exports Growth (%), 2007–2011
Figure 175: Spanish Imports Growth (%), 2007–2011
Figure 176: Spanish Annual Average Exchange Rate US$–EUR, 2007–2011
Figure 177: Spanish End-of-Period Exchange Rate US$–EUR, 2007–2011
Figure 178: Total Number of Spanish Airports and Sea Ports, 2011
Figure 179: Spanish Railways and Roadways (Kilometers), 2011
Figure 180: Spanish Passenger Vehicle Production, 2007–2011
Figure 181: Spanish Commercial Vehicle Production, 2007–2011
Figure 182: Spanish Automotive Component Exports (US$ Billion), 2007–2011
Figure 183: Spanish Automotive Component Imports (US$ Billion), 2007–2011
Figure 184: Spanish Passenger Car Penetration (per thousand people), 2007–2011
Figure 185: Spanish Healthcare Expenditure (US$ Billion), 2007–2011
Figure 186: Spanish Healthcare Expenditure as a Percentage of GDP (%), 2007–2011
Figure 187: Spanish Per Capita Healthcare Expenditure (US$), 2007–2011
Figure 188: Spanish Internet Subscriptions (Millions), 2007–2011
Figure 189: Spanish Size of Labor Force in 15–59 Age Group (Million), 2007–2011
Figure 190: Spanish Unemployment Rate (%), 2007–2011
Figure 191: Spanish Annual Disposable Income (US$ Billion), 2007–2011
Figure 192: Spanish Annual Per Capita Disposable Income (US$), 2007–2011
Figure 193: Spanish Total Population (Million), 2007–2011
Figure 194: Spanish Urban and Rural Population (%), 2007–2011

18. Figure 195: Spanish Females as Percentage of Population (%), 2007–2011
Figure 196: Spanish Males as Percentage of Population (%), 2007–2011
Figure 197: Spanish Mean Age of Population (Year), 2007–2011
Figure 198: Spanish Median Age of Population (Year), 2007–2011
Figure 199: Spanish Population Density (per Square Kilometer), 2007–2011
Figure 200: Spanish Population Distribution by Age (%), 2007–2011
Figure 201: Spanish Male Population Distribution by Age (%), 2007–2011
Figure 202: Spanish Female Population Distribution by Age (%), 2007–2011
Figure 203: Global Terrorism Heat Map, 2011
Figure 204: Spanish Transparency Index, 2007–2011
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