Life Insurance in Norway, Key Trends and Opportunities to 2017

Published: Feb, 2014 | Pages: 261 | Publisher: Timetric
Industry: Insurance | Report Format: Electronic (PDF)


Synopsis
The report provides in-depth market analysis, information and insights into the Norwegian life insurance segment, including:
The Norwegian life insurance segment's growth prospects by life insurance categories 
Key trends and drivers for the life insurance segment 
The various distribution channels in the Norwegian life insurance segment
The detailed competitive landscape in the life insurance segment in Norway
Detailed regulatory framework of the Norwegian insurance industry
A description of the life reinsurance segment in Norway
Porter's Five Forces analysis of the life insurance segment
A benchmarking section on the Norwegian life insurance segment in comparison with other countries in the Nordic Region 

Summary
The Norwegian life insurance segment is one of the fastest-growing in the Nordic region. The segment posted a review-period (2008?2012) compound annual growth rate (CAGR) of 5.8% in gross written premium terms, despite low interest rates and the financial crisis. The segment managed to post positive growth on account of robust growth registered in the individual and group life categories. The growth was further supported by the positive economic development following the financial crisis, a situation which is expected to fuel demand for life insurance in Norway over the forecast period (2012?2017). As a result, the written premium of the life insurance segment is expected to increase at a forecast-period CAGR of 6.4%. 
Scope
This report provides a comprehensive analysis of the life insurance segment in Norway:
It provides historical values for the Norwegian life insurance segment 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 categories in the Norwegian life insurance segment, 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 Norway.
Using Porter's industry-standard "Five Forces" analysis, it details the competitive landscape in Norway for the life insurance business.
It provides a detailed analysis of the reinsurance segment in Norway and its growth prospects.
It profiles the top life insurance companies in Norway and outlines the key regulations affecting them. 
Reason To Buy
 Make strategic business decisions using in depth historic and forecast market data related to the Norwegian life insurance segment and each category within it
Understand the demand-side dynamics, key market trends and growth opportunities within the Norwegian life insurance segment
Assess the competitive dynamics in the life insurance segment, along with the reinsurance segment
Identify the growth opportunities and market dynamics within key product categories
Gain insights into key regulations governing the Norwegian insurance industry and its impact on companies and the market's future 
Key Highlights
 The Norwegian life insurance segment posted a review-period (2008?2012) CAGR of 5.8% in gross written premium terms despite low interest rates, and the financial crisis
Fierce competition in the segment forced some insurers to re-examine their strategies in order to survive and gain market share through geographical expansion
During the review period, life insurance providers have benefited from low combined ratios, resulting in underwriting profits
Favorable demographic factors such as an increased in life expectancy and a rise in the elderly population (65 and above) are likely to accelerate demand for life insurance products
The Norwegian life insurance segment is highly concentrated, with the 10 leading companies together accounting for 98.4% of the segment's written premiums in 2012

 1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Nordic Region Market Dymics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size
4 Life Insurance Segment - Regiol Benchmarking
4.1 Scale and penetration
4.1.1 Total gross written premium
4.1.2 Premium per capita
4.1.3 Life insurance penetration (% of GDP)
4.2 Growth
4.2.1 Gross written premium
4.2.2 Gross written premium per capita
4.3 Efficiency and risk
4.3.1 Loss ratio
4.3.2 Combined ratio
4.3.3 Incurred losses per capita
4.3.4 Incurred losses as a percentage of GDP
4.4 Distribution channels
4.4.1 Direct marketing
4.4.2 Bancassurance
4.4.3 Agencies
4.4.4 Online channels
5 Norwegian Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008-2017
5.2 Key Industry Trends and Drivers
6 Life Insurance Outlook
6.1 Life Insurance Growth Prospects by Category
6.1.1 Individual life insurance
6.1.2 Individual general annuity insurance
6.1.3 Individual pension insurance
6.1.4 Individual endowment insurance
6.1.5 Individual unit-linked insurance
6.1.6 Individual term life Insurance
6.1.7 Group life insurance
6.1.8 Group superannuation insurance
6.1.9 Group unit-linked insurance
6.2 Life Insurance Growth Prospects by Product Type
6.2.1 Individual single-premium policies
6.2.2 Individual non-single-premium policies
6.2.3 Group single-premium policies
6.2.4 Group non-single-premium policies
7 Alysis by Distribution Channel
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other Channels
8 Porter's Five Forces Alysis - Norwegian Life Insurance
8.1 Bargaining Power of Suppliers: Medium
8.2 Bargaining Power of Buyers: Medium
8.3 Barriers to Entry: Medium
8.4 Intensity of Rivalry: Medium
8.5 Threat of Substitutes: Low
9 Reinsurance Growth Dymics and Challenges
9.1 Reinsurance Segment Size by Type of Insurance, 2008-2017
10 Governce, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation Trends by Type of Insurance
10.2.1 Life insurance regulatory trends
10.2.2 Property insurance regulatory trends
10.2.3 Motor insurance regulatory trends
10.2.4 Marine, aviation and transit insurance regulatory trends
10.2.5 Persol accident insurance regulatory trends
10.3 Compulsory Insurance
10.3.1 Workers' compensation insurance
10.3.2 Motor third party liability insurance
10.3.3 tural disaster insurance for property cover
10.4 Supervision and Control
10.4.1 Intertiol Association of Insurance Supervisors
10.4.2 European Insurance and Occupatiol Pensions Authority�(EIOPA)
10.4.3 The Fincial Supervisory Authority of Norway (FSA)
10.5 Non-Admitted Insurance Regulatory Trends
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market practices
10.5.4 Fines and pelties
10.6 Company Registration and Operations
10.6.1 Types of insurance organization
10.6.2 Establishing a local company
10.6.3 Foreign ownership
10.6.4 Types of license
10.6.5 Capital requirements
10.6.6 Solvency margins
10.6.7 Investment regulations
10.6.8 Statutory return requirements
10.7 Taxation
10.7.1 Insurance premium or policy taxation
10.7.2 Corporate tax
10.7.3 VAT
10.7.4 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access to court
10.8.3 Altertive dispute resolution (ADR)
11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 Leading Companies in the Norwegian Life Insurance Segment
11.3 Comparison of the Top Five Insurers
11.3.1 Gross written premium
11.3.2 Gross claims
11.3.3 Assets
11.4 Kommul Landspensjonskasse (KLP) - Company Overview
11.4.1 Kommul Landspensjonskasse (KLP) - key facts
11.4.2 Kommul Landspensjonskasse (KLP) - key fincials
11.5 DNB Livsforsikring ASA - Company Overview
11.5.1 DNB Livsforsikring ASA - key facts
11.5.2 DNB Livsforsikring ASA - key fincials
11.6 Storebrand Livsforsikring - Company Overview
11.6.1 Storebrand Livsforsikring - key facts
11.6.2 Storebrand Livsforsikring - key fincials
11.7 Nordea Liv - Company Overview
11.7.1 Nordea Liv - key facts
11.7.2 Nordea Liv - key fincials
11.8 Oslo Pensjonsforsikring - Company Overview
11.8.1 Oslo Pensjonsforsikring - key facts
11.8.2 Oslo Pensjonsforsikring - key fincials
11.9 Sparebank 1 Livsforsikring AS�- Company Overview
11.9.1 Sparebank 1 Livsforsikring AS - key facts
11.9.2 Sparebank 1 Livsforsikring AS - key fincials
11.1 Gjensidige Forsikring ASA - Company Overview
11.10.1 Gjensidige Forsikring ASA - key facts
11.11 Gjensidige Pensjon - Company Overview
11.11.1 Gjensidige Pensjon - key facts
11.11.2 Gjensidige Pensjon - key fincials
11.12 Danica Pensjonsforsikring AS - Company Overview
11.12.1 Danica Pensjonsforsikring AS - key facts
11.12.2 Danica Pensjonsforsikring AS - key fincials
11.13 Tryg Forsikring - Company Overview
11.13.1 Tryg Forsikring - key facts
12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend - Oslo BOrs, Norway
12.2 Economic Performance
12.2.1 GDP at constant prices (US$)
12.2.2 GDP per capita at constant prices (US$)
12.2.3 GDP at current prices (US$)
12.2.4 GDP per capita at current prices (US$)
12.2.5 GDP by key segments
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
12.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.8 Manufacturing net output at current prices (US$)
12.2.9 Manufacturing net output at current prices as a percentage of GDP
12.2.10 Mining, manufacturing and utilities at current prices (US$)
12.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
12.2.12 Construction net output at current prices, (US$)
12.2.13 Construction net output at current prices as a percentage of GDP
12.2.14 Inflation rate
12.2.15 Exports as a percentage of GDP
12.2.16 Imports as a percentage of GDP
12.2.17 Annual average exchange rate US$-JPY
12.3 Infrastructure
12.3.1 Commercial vehicles exports - total value
12.3.2 Commercial vehicles imports - total value
12.3.3 Automotive exports - total value
12.3.4 Automotive imports - total value
12.3.5 Total internet subscribers
12.4 Labor Force
12.4.1 Labor force
12.4.2 Unemployment rate
12.5 Demographics
12.5.1 Gross tiol disposable income (US$)
12.5.2 Household consumption expenditure (US$)
12.5.3 Total population
12.5.4 Urban and rural populations
12.5.5 Age distribution of the total population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric's Services
13.5 Disclaimer


List of Tables
Table 1: Insurance Industry Definitions
Table 2: Norwegian Insurance - Overall Written Premium by Segment (NOK Billion), 2008-2012
Table 3: Norwegian Insurance - Overall Written Premium by Segment (US$ Billion), 2008-2012
Table 4: Norwegian Insurance - Overall Written Premium by Segment (NOK Billion), 2012-2017
Table 5: Norwegian Insurance - Overall Written Premium by Segment (US$ Billion), 2012-2017
Table 6: Norwegian Insurance - Segmentation (Percentage Share), 2008-2017
Table 7: Norwegian Life Insurance - Written Premium by Category (NOK Billion), 2008-2012
Table 8: Norwegian Life Insurance - Written Premium by Category (US$ Billion), 2008-2012
Table 9: Norwegian Life Insurance - Written Premium by Category (NOK Billion), 2012-2017
Table 10: Norwegian Life Insurance - Written Premium by Category (US$ Billion), 2012-2017
Table 11: Norwegian Life Insurance - Earned Premium (NOK Billion), 2008-2012
Table 12: Norwegian Life Insurance - Earned Premium (NOK Billion), 2012-2017
Table 13: Norwegian Life Insurance - Sum Assured (NOK Billion), 2008-2012
Table 14: Norwegian Life Insurance - Sum Assured (NOK Billion), 2012-2017
Table 15: Norwegian Life Insurance - Paid Claims (NOK Billion), 2008-2012
Table 16: Norwegian Life Insurance - Paid Claims (NOK Billion), 2012-2017
Table 17: Norwegian Life Insurance - Incurred Loss (NOK Billion), 2008-2012
Table 18: Norwegian Life Insurance - Incurred Loss (NOK Billion), 2012-2017
Table 19: Norwegian Life Insurance - Loss Ratio (%), 2008-2012
Table 20: Norwegian Life Insurance - Loss Ratio (%), 2012-2017
Table 21: Norwegian Life Insurance - Commissions and Expenses (NOK Billion), 2008-2012
Table 22: Norwegian Life Insurance - Commissions and Expenses (NOK Billion), 2012-2017
Table 23: Norwegian Life Insurance - Combined Ratio (%), 2008-2012
Table 24: Norwegian Life Insurance - Combined Ratio (%), 2012-2017
Table 25: Norwegian Life Insurance - Frauds and Crimes (NOK Billion), 2008-2012
Table 26: Norwegian Life Insurance - Frauds and Crimes (NOK Billion), 2012-2017
Table 27: Norwegian Life Insurance - Total Assets (NOK Billion), 2008-2012
Table 28: Norwegian Life Insurance - Total Assets (NOK Billion), 2012-2017
Table 29: Norwegian Life Insurance - Total Investment Income (NOK Billion), 2008-2012
Table 30: Norwegian Life Insurance - Total Investment Income (NOK Billion), 2012-2017
Table 31: Norwegian Life Insurance - Retentions (NOK Billion), 2008-2012
Table 32: Norwegian Life Insurance - Retentions (NOK Billion), 2012-2017
Table 33: Norwegian Individual Life Insurance - Number of Active Policies (Thousand), 2008-2012
Table 34: Norwegian Individual Life Insurance - Number of Active Policies, 2012-2017
Table 35: Norwegian Individual Life Insurance - Written Premium (NOK Billion), 2008-2012
Table 36: Norwegian Individual Life Insurance - Written Premium (NOK Billion), 2012-2017
Table 37: Norwegian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2008-2012
Table 38: Norwegian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2012-2017
Table 39: Norwegian Individual General Annuity Insurance - Written Premium (NOK Billion), 2008-2012
Table 40: Norwegian Individual General Annuity Insurance - Written Premium (NOK Billion), 2012-2017
Table 41: Norwegian Individual Pension Insurance - Number of Active Policies (Thousand), 2008-2012
Table 42: Norwegian Individual Pension Insurance - Number of Active Policies (Thousand), 2012-2017
Table 43: Norwegian Individual Pension Insurance - Written Premium (NOK Billion), 2008-2012
Table 44: Norwegian Individual Pension Insurance - Written Premium (NOK Billion), 2012-2017
Table 45: Norwegian Individual Endowment Insurance - Number of Active Policies (Thousand), 2008-2012
Table 46: Norwegian Individual Endowment Insurance - Number of Active Policies (Thousand), 2012-2017
Table 47: Norwegian Individual Endowment Insurance - Written Premium (NOK Billion), 2008-2012
Table 48: Norwegian Individual Endowment Insurance - Written Premium (NOK Billion), 2012-2017
Table 49: Norwegian Individual Unit-Linked Insurance - Number of Active Policies (Thousand), 2008-2012
Table 50: Norwegian Individual Unit-Linked Insurance - Number of Active Policies (Thousand), 2012-2017
Table 51: Norwegian Individual Unit-Linked Insurance - Written Premium (NOK Billion), 2008-2012
Table 52: Norwegian Individual Unit-Linked Insurance - Written Premium (NOK Billion), 2012-2017
Table 53: Norwegian Individual Term Life Insurance - Number Of Active Policies (Thousand), 2008-2012
Table 54: Norwegian Individual Term Life Insurance - Number of Active Policies (Thousand), 2012-2017
Table 55: Norwegian Individual Term Life Insurance - Written Premium (NOK Billion), 2008-2012
Table 56: Norwegian Individual Term Life Insurance - Written Premium (NOK Billion), 2012-2017
Table 57: Norwegian Group Life Insurance - Number of Active Policies (Thousand), 2008-2012
Table 58: Norwegian Group Life Insurance - Number of Active Policies (Thousand), 2012-2017
Table 59: Norwegian Group Life Insurance - Written Premium (NOK Billion), 2008-2012
Table 60: Norwegian Group Life Insurance - Written Premium (NOK Billion), 2012-2017
Table 61: Norwegian Group Superannuation Insurance - Number of Active Policies (Thousand), 2008-2012
Table 62: Norwegian Group Superannuation Insurance - Number of Active Policies (Thousand), 2012-2017
Table 63: Norwegian Group Superannuation Insurance - Written Premium (NOK Billion), 2008-2012
Table 64: Norwegian Group Superannuation Insurance - Written Premium (NOK Billion), 2012-2017
Table 65: Norwegian Group Unit-Linked Insurance - Number of Active Policies (Thousand), 2008-2012
Table 66: Norwegian Group Unit-Linked Insurance - Number of Active Policies (Thousand), 2012-2017
Table 67: Norwegian Group Unit-Linked Insurance - Written Premium (NOK Billion), 2008-2012
Table 68: Norwegian Group Unit-Linked Insurance - Written Premium (NOK Billion), 2012-2017
Table 69: Norwegian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2008-2012
Table 70: Norwegian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2012-2017
Table 71: Norwegian Individual Single-Premium Insurance - Written Premium (NOK Billion), 2008-2012
Table 72: Norwegian Individual Single-Premium Insurance - Written Premium (NOK Billion), 2012-2017
Table 73: Norwegian Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2008-2012
Table 74: Norwegian Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2012-2017
Table 75: Norwegian Individual Non-Single-Premium Insurance - Written Premium (NOK Billion), 2008-2012
Table 76: Norwegian Individual Non-Single-Premium Insurance - Written Premium(NOK Billion), 2012-2017
Table 77: Norwegian Group Single-Premium Insurance - Number of Active Policies (Thousand), 2008-2012
Table 78: Norwegian Group Single-Premium Insurance - Number of Active Policies (Thousand), 2012-2017
Table 79: Norwegian Group Single-Premium Insurance - Written Premium (NOK Billion), 2008-2012
Table 80: Norwegian Group Single-Premium Insurance - Written Premium (NOK Billion), 2012-2017
Table 81: Norwegian Group Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2008-2012
Table 82: Norwegian Group Non-Single-Premium Insurance - Number of Active Policies (Thousand),2012-2017
Table 83: Norwegian Group Non-Single-Premium Insurance - Written Premium (NOK Billion), 2008-2012
Table 84: Norwegian Group Non-Single-Premium Insurance - Written Premium (NOK Billion), 2012-2017
Table 85: Norwegian Life Insurance - Direct Marketing Commission Paid (NOK Billion), 2008-2012
Table 86: Norwegian Life Insurance - Direct Marketing Commission Paid (NOK Billion), 2012-2017
Table 87: Norwegian Life Insurance - New Business Written Premium Through Direct Marketing (NOK Billion), 2008-2012
Table 88: Norwegian Life Insurance - New Business Written Premium Through Direct Marketing (NOK Billion), 2012-2017
Table 89: Norwegian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2008-2012
Table 90: Norwegian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2012-2017
Table 91: Norwegian Life Insurance - Number of Direct Marketing Distributors, 2008-2012
Table 92: Norwegian Life Insurance - Number of Direct Marketing Distributors, 2012-2017
Table 93: Norwegian Life Insurance - Bancassurance Commission Paid (NOK Billion), 2008-2012
Table 94: Norwegian Life Insurance - Bancassurance Commission Paid (NOK Billion), 2012-2017
Table 95: Norwegian Life Insurance - New Business Written Premium Through Bancassurance (NOK Billion), 2008-2012
Table 96: Norwegian Life Insurance - New Business Written Premium Through Bancassurance (NOK Billion), 2012-2017
Table 97: Norwegian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2008-2012
Table 98: Norwegian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2012-2017
Table 99: Norwegian Life Insurance - Number of Bancassurance Distributors, 2008-2012
Table 100: Norwegian Life Insurance - Number of Bancassurance Distributors, 2012-2017
Table 101: Norwegian Life Insurance - Commission Paid to Agencies (NOK Billion), 2008-2012
Table 102: Norwegian Life Insurance - Commission Paid to Agencies (NOK Billion), 2012-2017
Table 103: Norwegian Life Insurance - New Business Written Premium Through Agencies (NOK Billion), 2008-2012
Table 104: Norwegian Life Insurance - New Business Written Premium Through Agencies (NOK Billion), 2012-2017
Table 105: Norwegian Life Insurance - New Policies Sold Through Agencies (Thousand), 2008-2012
Table 106: Norwegian Life Insurance - New Policies Sold Through Agencies (Thousand), 2012-2017
Table 107: Norwegian Life Insurance - Number of Agencies, 2008-2012
Table 108: Norwegian Life Insurance - Number of Agencies, 2012-2017
Table 109: Norwegian Life Insurance - E-Commerce Commission Paid (NOK Billion), 2008-2012
Table 110: Norwegian Life Insurance - E-Commerce Commission Paid (NOK Billion), 2012-2017
Table 111: Norwegian Life Insurance - New Business Written Premium Through E-Commerce (NOK Billion), 2008-2012
Table 112: Norwegian Life Insurance - New Business Written Premium Through E-Commerce (NOK Billion), 2012-2017
Table 113: Norwegian Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2008-2012
Table 114: Norwegian Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2012-2017
Table 115: Norwegian Life Insurance - Number of E-Commerce Distributors, 2008-2012
Table 116: Norwegian Life Insurance - Number of E-Commerce Distributors, 2012-2017
Table 117: Norwegian Life Insurance - Commission Paid to Brokers (NOK Billion), 2008-2012
Table 118: Norwegian Life Insurance - Commission Paid to Brokers (NOK Billion), 2012-2017
Table 119: Norwegian Life Insurance - New Business Written Premium Through Brokers (NOK Billion), 2008-2012
Table 120: Norwegian Life Insurance - New Business Written Premium Through Brokers (NOK Billion), 2012-2017
Table 121: Norwegian Life Insurance - New Policies Sold Through Brokers (Thousand), 2008-2012
Table 122: Norwegian Life Insurance - New Policies Sold Through Brokers (Thousand), 2012-2017
Table 123: Norwegian Life Insurance - Number of Brokers, 2008-2012
Table 124: Norwegian Life Insurance - Number of Brokers, 2012-2017
Table 125: Norwegian Life Insurance - Commission Paid to Other Channels (NOK Billion), 2008-2012
Table 126: Norwegian Life Insurance - Commission Paid to Other Channels (NOK Billion), 2012-2017
Table 127: Norwegian Life Insurance - New Business Written Premium Through Other Channels (NOK Billion), 2008-2012
Table 128: Norwegian Life Insurance - New Business Written Premium Through Other Channels (NOK Billion), 2012-2017
Table 129: Norwegian Life Insurance - New Policies Sold Through Other Channels (Thousand), 2008-2012
Table 130: Norwegian Life Insurance - New Policies Sold Through Other Channels (Thousand), 2012-2017
Table 131: Norwegian Life Insurance - Number of Distributors in Other Channels, 2008-2012
Table 132: Norwegian Life Insurance - Number of Distributors in Other Channels, 2012-2017
Table 133: Norwegian Premium Ceded to Reinsurance by Type of Insurance (NOK Billion), 2008-2012
Table 134: Norwegian Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008-2012
Table 135: Norwegian Premium Ceded to Reinsurance by Type of Insurance (NOK Billion), 2012-2017
Table 136: Norwegian Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012-2017
Table 137: Norwegian Life Insurance - Percentage of Reinsurance Ceded (%), 2008-2012
Table 138: Norwegian Life Insurance - Percentage of Reinsurance Ceded (%), 2012-2017
Table 139: Norway - Corporation Tax Rates for the Financial Year 2013
Table 140: Shares of Key Insurers in the Norwegian Life Insurance Segment (%), 2011 and 2012
Table 141: Kommunal Landspensjonskasse (KLP), Key Facts
Table 142: Kommunal Landspensjonskasse (KLP), Key Financials (NOK Million), 2008-2012
Table 143: DNB Livsforsikring ASA, Key Facts
Table 144: DNB Livsforsikring ASA, Key Financials (NOK Million), 2011 and 2012
Table 145: Storebrand Livsforsikring, Key Facts
Table 146: Storebrand Livsforsikring, Key Financials (NOK Million), 2008-2012
Table 147: Nordea Liv, Key Facts
Table 148: Nordea Liv, Key Financials (NOK Million), 2008-2012
Table 149: Oslo Pensjonsforsikring, Key Facts
Table 150: Oslo Pensjonsforsikring, Key Financials (NOK Million), 2010-2012
Table 151: Sparebank 1 Livsforsikring AS, Key Facts
Table 152: Sparebank 1 Livsforsikring AS, Key Financials (NOK Million), 2008-2012
Table 153: Gjensidige Forsikring ASA, Key Facts
Table 154: Gjensidige Pensjon, Key Facts
Table 155: Gjensidige Pensjon, Key Financials (NOK Million), 2008-2012
Table 156: Danica Pensjonsforsikring AS, Key Facts
Table 157: Danica Pensjonsforsikring AS, Key Financials (NOK Million), 2008-2012
Table 158: Tryg Forsikring, Key Facts