The Croatian life insurance segment is small and competitive with the five leading companies accounting for a combined market share of 58.3% in 2011. Over the forecast period, insurers are expected to focus on minimizing costs to write new business, business strategies to develop new products and enhancing distribution channels to provide impetus for growth.

1. Life Insurance in Croatia, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Croatian life insurance
segment, including:
The Croatian life insurance market’s growth prospects by insurance categories Key trends and
drivers for the Croatian life insurance segment The various distribution channels in the Croatian life insurance
segment Detailed competitive landscape in the life insurance segment in Croatia A description of the life
reinsurance segment in Croatia Porter's Five Forces Analysis of the life insurance segment
Executive summary
The Croatian life insurance segment is small and competitive with the five leading companies accounting for
a combined market share of 58.3% in 2011. Over the forecast period, insurers are expected to focus on
minimizing costs to write new business, business strategies to develop new products and enhancing
distribution channels to provide impetus for growth.
Scope
This report provides a comprehensive analysis of the life insurance market in Croatia:
It provides historical values for Croatia's life insurance market for the report’s 2008–2012
review period and forecast figures for the 2012–2017 forecast period It offers a detailed analysis of the
key sub-segments in Croatia's life insurance market, along with market forecasts until 2017 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 Croatia Using Porter’s industry-standard
“Five Forces” analysis, it details the competitive landscape in Croatia for the life insurance
business It provides a detailed analysis of the reinsurance market in Croatia and its growth prospects It profiles
the top life insurance companies in Croatia and outlines the key regulations affecting them
Reasons to buy
Make strategic business decisions using historic and forecast market data related to the Croatian life
insurance market and each sector within it Understand the demand-side dynamics, key market trends and
growth opportunities within the Croatian 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 Croatian insurance market and
its impact on companies and the market's future
Key highlights
The Croatian life insurance segment accounted for 25.6% of the country’s insurance industry gross
written premium in 2012. The weak growth affected demand for all life insurance products, especially
individual life, term life and marriage and birth polices, and consumer purchasing power weakened as a result
of an increase in the unemployment rate and decline in per capita income. Life insurers in Croatia employ
various distribution channels to deliver insurance products. Agencies was the most preferred channel,
accounting for 40% of the total life insurance written premium in 2012. The presence of a large number of
foreign-owned companies is testimony to the country’s favorable regulations and competitive
Life Insurance in Croatia, Key Trends and Opportunities to 2017

2. insurance industry. The increase in the elderly population will contribute to the growth of retirement-related
products such as pension, annuity and superannuation coverage.
table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 The Croatian Insurance Industry Attractiveness
3.1 Croatian Insurance Industry Size, 2008–2017
3.2 Key Industry Trends And Drivers
3.2.1 Business Trends And Drivers
3.2.2 Consumer Drivers
3.3 Product And Targeting Strategies
3.4 Recent Market Developments
4 Life Insurance Outlook
4.1 Life Insurance Growth Prospects By Category
4.1.1 Individual Life Insurance
4.1.2 Individual General Annuity Insurance
4.1.3 Individual Endowment Insurance
4.1.4 Individual Marriage And Birth Insurance
4.1.5 Individual Unit-linked Insurance
4.1.6 Individual Term Life Insurance
4.1.7 Individual Supplementary
4.1.8 Individual Others Insurance
4.2 Life Insurance Growth Prospects By Product Type
4.2.1 Individual Single-premium Policies
4.2.2 Individual Non-single-premium Policies
5 Analysis By Distribution Channel
5.1 Direct Marketing
5.2 Bancassurance
5.3 Agencies
Life Insurance in Croatia, Key Trends and Opportunities to 2017

3. 5.4 E-commerce
5.5 Brokers
5.6 Other Channels
6 Porter’s Five Forces Analysis
6.1 Bargaining Power Of Suppliers: Low To Medium
6.2 Bargaining Power Of Buyers: Medium To High
6.3 Barriers To Entry: Medium
6.4 Intensity Of Rivalry: High
6.5 Threat Of Substitutes: Low To Medium
7 Reinsurance Growth Dynamics And Challenges
7.1 Reinsurance Segment Size, 2008–2017
7.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
8 Competitive Landscape And Strategic Insights
8.1 Overview
8.2 Leading Companies In The Croatian Life Insurance Segment
8.3 Comparison Of Five Leading Life Insurers
8.3.1 Gross Written Premium
8.3.2 Outwards Reinsurance Expense
8.3.3 Net Earned Premiums
8.3.4 Commission And Expenses
8.3.5 Paid Claims
8.3.6 Pre-tax Profit/loss
8.3.7 Total Assets
8.3.8 Net Loss Ratio
8.4 Allianz Zagreb D.d. – Company Overview
8.4.1 Allianz Zagreb D.d. – Key Facts
8.4.2 Allianz Zagreb D.d. – Key Financials
8.5 Croatia Osiguranje D.d. – Company Overview
8.5.1 Croatia Osiguranje D.d. – Key Facts
8.5.2 Croatia Osiguranje D.d. – Key Financials
8.6 Merkur Osiguranje D.d. – Company Overview
8.6.1 Merkur Osiguranje D.d. – Key Facts
8.6.2 Merkur Osiguranje D.d. – Key Financials
8.7 Agram životno Osiguranje D.d. – Company Overview
8.7.1 Agram životno Osiguranje D.d. – Key Facts
8.7.2 Agram životno Osiguranje D.d. – Key Financials
8.8 Kvarner Vienna Insurance Group D.d. – Company Overview
Life Insurance in Croatia, Key Trends and Opportunities to 2017

4. 8.8.1 Kvarner Vienna Insurance Group D.d. – Key Facts
8.8.2 Kvarner Vienna Insurance Group D.d. – Key Financials
8.9 Grawe Hrvatska D.d. – Company Overview
8.9.1 Grawe Hrvatska D.d. – Key Facts
8.9.2 Grawe Hrvatska D.d. – Key Financials
9 Business Environment And Country Risk
9.1 Business Confidence
9.1.1 Market Capitalization Trend – Zegreb Stock Exchange, Croatia
9.1.2 Foreign Direct Investment (fdi) Inflow
9.1.3 Domestic Bank Credit As A Percentage Of Gdp
9.2 Economic Performance
9.2.1 Gdp At Constant Prices (us Dollar)
9.2.2 Gdp Per Capita At Constant Prices (us Dollars)
9.2.3 Gdp At Current Prices (us Dollar)
9.2.4 Gdp Per Capita At Current Prices (us Dollars)
9.2.5 Gdp Split By Key Sectors
9.2.6 Agriculture Net Output At Current Prices (us$ Billion)
9.2.7 Agriculture Net Output As A Percentage Of Gdp
9.2.8 Manufacturing Net Output At Current Prices (us$ Billion)
9.2.9 Manufacturing Net Output As A Percentage Of Gdp
9.2.10 Mining, Manufacturing And Utilities At Current Prices (us$ Billion)
9.2.11 Mining, Manufacturing And Utilities As A Percentage Of Gdp
9.2.12 Construction Net Output At Current Prices (us$ Billion)
9.2.13 Construction Net Output As A Percentage Of Gdp
9.2.14 Inflation Rate
9.2.15 Current Account Balance As A Percentage Of Gdp
9.2.16 Exports As A Percentage Of Gdp
9.2.17 Imports As A Percentage Of Gdp
9.2.18 Exports Growth
9.2.19 Imports Growth
9.2.20 External Debt As A Percentage Of Gdp
9.3 Tourist Arrivals, Commercial Vehicles Market And Healthcare Expenditure
9.3.1 International Tourist Receipts And Arrivals
9.3.2 Commercial Vehicle Imports
9.3.3 Commercial Vehicle Exports
9.3.4 Automotive Component Exports
9.3.5 Automotive Component Imports
9.3.6 Healthcare Expenditure As A Percentage Of Gdp
9.3.7 Healthcare Per Capita Expenditure
9.3.8 Total Internet Subscribers
9.4 Labor Force
Life Insurance in Croatia, Key Trends and Opportunities to 2017

5. 9.4.1 Labor Force
9.4.2 Unemployment Rate
9.5 Demographics
9.5.1 Life Expectancy
9.5.2 Household Consumption Expenditure
9.5.3 Total Population
9.5.4 Urban And Rural Population
9.5.5 Female Percentage Of Population
9.5.6 Male Percentage Of Population
9.5.7 Median Age Of The Population
9.5.8 Age Distribution Of The Total Population
9.5.9 Number Of Households
10 Appendix
10.1 Methodology
10.2 Contact Us
10.3 About Timetric
10.4 Disclaimer
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Life Insurance in Croatia, Key Trends and Opportunities to 2017