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Life Protection Metrics: Consumer Approaches To Protection-Related Life Insurance In Europe

- to appreciate whether insured respondents bought their cover as a result of an active decision to do so or whether they acquired it passively through a group scheme;

- to evaluate the opportunities for distributing protection-related life insurance through alternative channels such as insurance aggregators or comparison sites: to what extent will consumers buy through these means?

- to assess the apparent willingness of consumers to purchase these forms of cover online; given the types of device that online buyers report using, what is the scope for marketing more effectively to this audience?

- to avoid the need to re-enter information yourself by making use of the Excel-based consumer data files that accompanies the PDF studies.0.0 EXECUTIVE SUMMARY

Across all six countries, 25.3% of respondents hold two or more of the policy types researched...

... although 50.4% state that they do not hold any type of protection-related life insurance

Annual income and the existence of dependents are key drivers of this market in all countries

Consumers aged between 18 and 34 are more likely to use emerging distribution systems...

... including online acquisition via tablets or mobile phones (as opposed to regular computers)


What is this report about?



European consumer research

Other international research reports



Survey and sample structure

Overview for five different types of protection-related life insurance

On average, take-up rates are highest for risk life cover and lowest for short-term income protection

Respondents in Poland are the most likely to report having acquired risk life insurance...

... while penetration of long-term income protection insurance peaks in France...

... and for funeral expenses insurance, acquisition rates are at their highest in Spain

Across all six countries combined, just over 50% of respondents do not hold any kind of life protection cover

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