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Expense ratios for life and non-life insurance in Europe in 2023, by country

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Sources

Release date

2024

Region

Europe

Survey time period

2023

Special properties

EU-27 countries plus Iceland, Liechtenstein, and Norway

Supplementary notes

Expenses ratios for life insurance were calculated by ÌÇÐÄÆƽâ°æ.
The sample includes insurers with financial year-end within the calendar year. Exchange rate conversions to EUR using ECB exchange rates as of the reference date.

Citation formats

Expense insurance ratios in Europe 2023, by country

Published by Jenny Yang, Sep 24, 2024

In 2023, the life insurance market in Germany was than the non-life insurance market based on the expense ratio. Meanwhile, the opposite was true in the Netherlands. The expense ratio, which is the sum of expenses divided by premiums earned, is a measure of profitability used to compare insurance markets. It can be displayed as a measure of one or as a percentage of 100. A ratio of under one means that companies are earning more premiums than they are paying out in expenses.

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