Conférence diplomatique 23 avril 2014
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1 Conférence diplomatique 23 avril 2014
2 CONTENTS 1. The Luxembourg Insurance Market unique, diverse, different 2. Current major challenges faced by the industry 3. Support of the Luxembourgian diplomatic representation 4. Q & A 2
3 1. The Luxembourg Insurance Market unique, diverse, different Facts & Figures Total Premium Income in 2013: 33,84 billion (reinsurance included) (Direct insurance : 22,62 billion) (source: CAA) 5 different markets: National Non-Life National Life International Non-Life International Life Reinsurance Direct employment : 5600 Total of 332 companies: Reinsurance companies: 237 Direct Insurance: Life (37 working under FOS) 43 Non-Life 3 both active in life and non-life (source: The Commissariat aux Assurances) 3
4 1. The Luxembourg Insurance Market unique, diverse, different Facts & Figures Total Premium Income of Direct Insurance in 2013 ( 22,62 billion) Life National 6% Non-Life International 10% Non-Life National 3% Life International 81% Other EEE 2% United Kingdom 3% Rest of the World 10% Origin of premiums (life insurance, estimation) Luxembourg 7% Germany 8% Belgium 14% Spain 5% Italy 15% France 36% Source CAA Non Life Life National International National International Total Year 2013: 0,76 2,15 1,30 18,41 22,62 (estimation) (amounts in billion Euros) Source CAA Source ACA 4
5 1. The Luxembourg Insurance Market unique, diverse, different Facts & Figures Evolution of the Life insurance market under the provision of Freedom Of Services (FOS) (Source: CAA) Premium income Assets Under Management 20 * 18,41 billion (estimation) 117,87 billion + 10% comparedto % compared to *
6 2. Current major challenges faced by the industry Preamble: 5 diverse markets (different in size addressing different clients with different needs different challenges) Unique in Europe: Leader in the provision of life insurance products sold under FOS (more than 81% of the Luxembourgian premium income) 6
7 2. Current major challenges faced by the industry Uncertain economical environment Macroeconomic data still fragile as to the regrowth in Europe (growth indicators vary considerably amongst the countries of the European zone) Long term interest rates of a historical low level Less predictability as to the future profitability In general: lower margins and higher costs 7
8 2. Current major challenges faced by the industry Strive towards a European regulator Particular concern for small and export oriented (niche) markets Drive towards increased regulations (on a national and international level) Solvency II (so-called principle based ) concern: respect of the principle of proportionality Packaged Retail Investment Products (PRIPs) Insurance Mediation Directive (IMD2) concern: - considerable increase of administration burden and related costs - urge for transparency: puts at risk our current distribution channels Insurance Guarantee Scheme(s) (IGS) (potentially) concern: creation of a (non-existing) systemic risk 8
9 2. Current major challenges faced by the industry Proliferation of initiatives as to the automatic exchange of information On an international level: Foreign Account Tax Compliance Act (FATCA) (US-led) Common Reporting Standard (CRS) (OECD-led) On an international level: European Savings Directive (EUSD) [current and future] Administrative Cooperation Directive (DCA) [current and future] On an national level: For example : Italy, France, 9
10 2. Current major challenges faced by the industry Fragmentation of the internal market, risk of renationalisation of the European laws Propagation of de facto barriers to the free provision of services For example: Belgium: - obligation to declare life insurance contracts subscribed abroad Italy: France: - implementation of pieces of legislation nurturing legal insecurity (issue of reimbursement of tax, legislation with retroactive effects, uncertain application towards operators working under FOS) - difficulty to comply with the French legislation particularly if operating under FOS For example: o unclear legislation concerning the furniture of pre-contractual information o impossibility for an FOS operator to consult the French organism missioned with the provision of data in presence of potentially identified so-called dormant accounts 10
11 3. Support of the Luxembourgian diplomatic representations Conduct of business intelligence prior to a potential economic mission Ability to rely on the know-how & expertise (and the premises) of the Embassies and Consulates if organising a targeted insurance-related briefing session 11
12 Questions and Answers? Thank you for your attention! Christian EILERT Director Tel : (+352 ) PO Box 448 L-2014 Luxembourg 12
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