Global_insurance _review_2012_and_outlook_2013_14

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1、Globalinsurancereview2012andoutlook2013/14December2012EconomicResearch&ConsultingPublishedby:SwissReinsuranceCompanyLtdEconomicResearch&ConsultingP.O.Box8022ZurichSwitzerlandTelephone+41432852551Fax+41432820075sigma@swissre.comArmonkOffice:175KingStre

2、etArmonk,NY10504Telephone+19148288000HongKongOffice:18HarbourRoad,WanchaiCentralPlaza,61stFloorHongKong,SARTelephone+85225825703Fax+85225116603Authors:KurtKarlTelephone+41432853369ThomasHolzheuTelephone+19148286502TheeditorialdeadlineforthisstudywasCl

3、arenceWong15November2012.Telephone+85225825644Graphicdesignandproduction:Co-editor:SwissReLogistics/MediaProductionJessicaVillatTelephone+41432855189©2012SwissReManagingeditor:Allrightsreserved.KurtKarl,HeadofSwissReEconomicResearch&Consulting.Theenti

4、recontentofthisreportissubjecttocopyrightwithallrightsreserved.Theinformationmaybeusedforprivateorinternalpurposes,providedthatanycopyrightorotherproprietarynoticesarenotremoved.Electronicreuseofthedatapublishedinthisreportisprohibited.Reproductioninw

5、holeorinpartoruseforanypublicpurposeispermittedonlywiththepriorwrittenapprovalofSwissReEconomicResearch&Consultingandifthesourcereference“Globalinsurancereview2012andoutlook2013/214”isindicated.Courtesycopiesareappreciated.Althoughalltheinformationuse

6、dinthisstudywastakenfromreliablesources,SwissRedoesnotacceptanyresponsibilityfortheaccuracyorcomprehensivenessoftheinformationgiven.TheinformationprovidedisforinformationalpurposesonlyandinnowayconstitutesSwissRe’sposition.InnoeventshallSwissRebeliabl

7、eforanylossordamagearisinginconnectionwiththeuseofthisinformation.Orderno:271_0512_enTableofcontentsExecutivesummary2Themacroeconomicenvironment:Growthwillbestrongernextyear3Non-lifere/insurance:Premiumsaregrowing,butprofitsremainweak10Lifere/insuranc

8、e:Navigatingchoppywaters17Emergingmarkets:Premiumgrowthwillincreasein2013251ExecutivesummaryTheglobaleconomyisinaslump,Theglobaleconomyiscurrentlyfairlyweak,butanimprovinghousingmarketintheUS,butgrowthwillimprovenextyear.fiscalandmonetarystimu