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How do certain macroeconomic factors influence the growth or decline of insurance premiums in the European market? [Excellence in claims management: how can insurers win in a context of rising costs]
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Resumo(s)
This thesis investigates how macroeconomic factors influence the growth of life and non-life insurance premiums in Europe. Using fixed effects panel data models, it analyzes variables
such as inflation, GDP growth, dependency ratios, and fiscal policies across 22 countries from 2010
to 2022. Results show that both life and non-life premiums co-move with the business cycle, with
GDP growth and income levels boosting insurance uptake, while inflation and dependency ratios
dampen it. These findings underscore the importance of macroeconomic stability for insurance
sector resilience in the European market.
Descrição
Palavras-chave
Econometrics Business analytics Macroeconomics Insurance