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New business premiums in the annuities market rose by 25.9% to GBP13.6 billion in 2012 as customers rushed to buy annuities before the gender-neutral pricing rules were introduced on December 21, 2012. Advisers also aimed to secure new annuities business ahead the Retail Distribution Review (RDR) rules banning providers from paying commission to advisers. The 2012 surge in annuity sales helped insurers to maintain a steady level of new business, leading to an overall expansion of the annuities market, excluding bulk transfer and deferred annuities, at a compound annual growth rate (CAGR) of 4.1% during the review period (2008-2012). Annuity rates have been in decline for 20 years, reducing the amount of income people can buy with their pension pots to record lows. Annuities convert an individual's pension savings into an income for the rest of their life. The fall in annuity rates was attributed to the rising life expectancy, meaning that life insurers have had to guard against paying out for longer. Annuities are also invested in low-risk gilts, or government bonds, and therefore, linked to movements in gilt yields. The Bank of England's policy of quantitative easing (QE) caused interest rates and gilt yields to fall, leading to a collapse in annuity rates. The continuous pressure of Solvency II also meant that annuity providers had to drive up their capital reserves and charge more for annuities - resulting in lower pension incomes for customers.

The Kuwaiti reinsurance segment comprised two companies in 2012: Kuwait Reinsurance (Kuwait Re), a conventional reinsurer, and Al Fajer Retakaful (Al Fajer Re), a retakaful company. Both companies are working to accelerate their activities and are driven by demand for reinsurance in the insurance industry. Exposure to reinsurance of Kuwaiti insurers is relatively high, although retention is low. Treaty reinsurance accounted for 89.0% of the total reinsurance written premium in 2012, while facultative reinsurance accounted for 11.0%.

ACI Insurance is proud to now offer Georgia surety bond coverage for businesses across the Peach State. ACI, a long-time leader with over a decade of experience working with all types of Florida businesses, is ready to provide their same great service, tailor-made solutions and overall expertise to Georgia as well.

This report is the result of Timetric's extensive market research covering the personal accident and health insurance industry in Denmark . It contains detailed historic and forecast data for claims and expenses. "Personal Accident and Health Insurance Claims and Expenses in Denmark to 2017: Market Databook" provides detailed insight into the operating environment of the personal accident and health insurance industry in Denmark . It is an essential tool for companies active across the Danish personal accident and health insurance value chain and for new players considering to enter the market.

The Central African Republic insurance industry grew at a compound annual growth rate (CAGR) of 10.8% during the review period (2009-2013). The increase was partly a consequence of stable economic development, the nation's expanding mining industry, and various infrastructure projects centering around the laying of fiber-optic cables, the modernizing transport routes and improving energy capacity. Growth in the life insurance segment, which recorded a review-period CAGR of 18.6%, also supported the growth of the Central African Republic insurance industry during the review period. However, the industry is relatively small on a global scale. Insurance penetration in Africa was low, at 1.6% in 2012. For the Central African Republic, however, the figure stood at 0.37% in 2012 and 0.44% in 2013, compared to the global average of 7.0% in 2012. Around 90% of the African population remains uninsured, which provides immense growth potential and foreign investment opportunities. This, combined with stable economic development of the Central African Republic region, is projected to support the development of the industry over the forecast period (2013-2018).

This report is the result of Timetric's extensive market research covering the life insurance industry in Serbia. It contains detailed historic and forecast data for gross written premiums, premiums per capita, insurance penetration, gross claims, paid claims, incurred loss, loss ratio percentage and combined ratio. 'Life Insurance Premiums and Claims in Serbia to 2017: Market Brief' provides detailed insight into the operating environment of the life insurance industry in Serbia. It is an essential tool for companies active across the Serb life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the reinsurance industry in Jordan. It contains detailed historic and forecast data for reinsurance. 'Reinsurance in Jordan to 2017: Market Brief' provides detailed insight into the operating environment of the reinsurance industry in Jordan. It is an essential tool for companies active across the Jordanian reinsurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in Luxembourg. It contains detailed historic and forecast data for marine, aviation and transit insurance. "Marine, Aviation and Transit Insurance in Luxembourg to 2017: Market Databook" provides detailed insight into the operating environment of the non-life insurance industry in Luxembourg. It is an essential tool for companies active across the Luxembourgian non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in Denmark . It contains detailed historic and forecast data for distribution channels. "Non-Life Insurance Distribution Channels in Denmark to 2017: Market Databook" provides detailed insight into the operating environment of the non-life insurance industry in Denmark . It is an essential tool for companies active across the Danish non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the life insurance industry in the US . It contains detailed historic and forecast data for policies and premiums. "Life Insurance Policies and Premiums in the US to 2017: Market Databook" provides detailed insight into the operating environment of the life insurance industry in the US . It is an essential tool for companies active across the United States life insurance value chain and for new players considering to enter the market.

Life insurance was the smallest segment in the Kuwaiti insurance industry in 2012, accounting for 19.3% of the industry's total written premium. The segment's value increased during the review period (2008-2012) at a compound annual growth rate (CAGR) of 10.5% . It is expected to record a CAGR of 8.2% over the forecast period. Insurance brokers and agencies were the main channels of distribution for life insurance products in Kuwait in 2012, accounting for 48.0% and 39.6% of the new business written premium respectively. This growth can be attributed to an increase in awareness about life insurance, and rising disposable incomes.

This report is the result of Timetric's extensive market research covering the life insurance industry in Luxembourg . It contains detailed historic and forecast data for claims and expenses. "Life Insurance Claims and Expenses in Luxembourg to 2017: Market Databook" provides detailed insight into the operating environment of the life insurance industry in Luxembourg . It is an essential tool for companies active across the Luxembourgian life insurance value chain and for new players considering to enter the market.

A new Florida law limiting “personal injury protection”, covering medical bills for an accident, is expected to cause motorcycle insurance rates to decrease.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in Denmark . It contains detailed historic and forecast data for investments. "Non-Life Insurance Investments in Denmark to 2017: Market Databook" provides detailed insight into the operating environment of the non-life insurance industry in Denmark . It is an essential tool for companies active across the Danish non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in the US. It contains detailed historic and forecast data for liability insurance. "Liability Insurance in the US to 2017: Market Databook" provides detailed insight into the operating environment of the non-life insurance industry in the US. It is an essential tool for companies active across the United States non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the personal accident and health insurance industry in Jordan. It contains detailed historic and forecast data for gross written premiums, premiums per capita, insurance penetration, gross claims, paid claims, incurred loss, loss ratio percentage and combined ratio. 'Personal Accident and Health Insurance Premiums and Claims in Jordan to 2017: Market Brief' provides detailed insight into the operating environment of the personal accident and health insurance industry in Jordan. It is an essential tool for companies active across the Jordanian personal accident and health insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in Denmark. It contains detailed historic and forecast data for marine, aviation and transit insurance. "Marine, Aviation and Transit Insurance in Denmark to 2017: Market Databook" provides detailed insight into the operating environment of the non-life insurance industry in Denmark. It is an essential tool for companies active across the Danish non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in Denmark. It contains detailed historic and forecast data for liability insurance. "Liability Insurance in Denmark to 2017: Market Databook" provides detailed insight into the operating environment of the non-life insurance industry in Denmark. It is an essential tool for companies active across the Danish non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in Luxembourg. It contains detailed historic and forecast data for property insurance. "Property Insurance in Luxembourg to 2017: Market Databook" provides detailed insight into the operating environment of the non-life insurance industry in Luxembourg. It is an essential tool for companies active across the Luxembourgian non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the life insurance industry in Denmark . It contains detailed historic and forecast data for investments. "Life Insurance Investments in Denmark to 2017: Market Databook" provides detailed insight into the operating environment of the life insurance industry in Denmark . It is an essential tool for companies active across the Danish life insurance value chain and for new players considering to enter the market.

Life Ant, a company that offers life insurance quotes and information about the industry, has just posted a new article to its website, http://www.lifeant.com/new-mothers-severely-lacking-life-insurance/, that examines why most new parents do not have enough life insurance. Titled “New Mothers are Severely Lacking Life Insurance Coverage,” the founders of Life Ant conducted a survey to see just how common this problem is with young parents.

This report is the result of Timetric's extensive market research covering the personal accident and health insurance industry in Luxembourg. It contains detailed historic and forecast data for gross written premiums, premiums per capita, insurance penetration, gross claims, paid claims, incurred loss, loss ratio percentage and combined ratio. 'Personal Accident and Health Insurance Premiums and Claims in Luxembourg to 2017: Market Brief' provides detailed insight into the operating environment of the personal accident and health insurance industry in Luxembourg. It is an essential tool for companies active across the Luxembourgian personal accident and health insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in Denmark. It contains detailed historic and forecast data for property insurance. "Property Insurance in Denmark to 2017: Market Databook" provides detailed insight into the operating environment of the non-life insurance industry in Denmark. It is an essential tool for companies active across the Danish non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the non-life insurance industry in Jordan. It contains detailed historic and forecast data for gross written premiums, premiums per capita, insurance penetration, gross claims, paid claims, incurred loss, loss ratio percentage and combined ratio. 'Non-Life Insurance Premiums and Claims in Jordan to 2017: Market Brief' provides detailed insight into the operating environment of the non-life insurance industry in Jordan. It is an essential tool for companies active across the Jordanian non-life insurance value chain and for new players considering to enter the market.

This report is the result of Timetric's extensive market research covering the personal accident and health insurance industry in Luxembourg . It contains detailed historic and forecast data for claims and expenses. "Personal Accident and Health Insurance Claims and Expenses in Luxembourg to 2017: Market Databook" provides detailed insight into the operating environment of the personal accident and health insurance industry in Luxembourg . It is an essential tool for companies active across the Luxembourgian personal accident and health insurance value chain and for new players considering to enter the market.