Kenneth Araullo<\/a> 22 febbraio 2024 <\/p>\n\n\n\nNel 2023, il totale dei nuovi premi annualizzati per le assicurazioni sulla vita negli Stati Uniti ha registrato un modesto aumento di 1% rispetto all'anno precedente, raggiungendo la cifra record di $15,6 miliardi, secondo i risultati preliminari del Life Insurance Marketing and Research Association (LIMRA) US Life Insurance Sales Survey.<\/p>\n\n\n\n
L'associazione ha sottolineato che questo \u00e8 il terzo anno consecutivo di crescita record dei nuovi premi annualizzati.<\/p>\n\n\n\n
Solo nel quarto trimestre del 2023 si \u00e8 registrato un aumento di 4% dei premi assicurativi totali del ramo vita, che hanno raggiunto $4,2 miliardi, con un aumento delle vendite di polizze di 2%, in gran parte alimentato dalla forte performance del ramo vita a termine.<\/p>\n\n\n\n
Scomponendo le categorie, i nuovi premi del ramo vita intera sono rimasti stabili a $1,6 miliardi nel quarto trimestre, con un leggero aumento di 1% a $6,1 miliardi per l'anno, diventando la fetta di mercato pi\u00f9 grande con 39%.<\/p>\n\n\n\n
LIMRA prevede una prospettiva positiva per le vendite di polizze vita intera, proiettando una crescita annuale fino a 5% nel 2024 e 2025.<\/p>\n\n\n\n
Anche le assicurazioni sulla vita a termine hanno registrato una crescita, con un aumento di 8% dei nuovi premi nel quarto trimestre, fino a $756 milioni, e un aumento di 6% del numero di polizze. Per l'intero anno, i premi vita a termine sono saliti a quasi $3 miliardi, con un aumento di 5% rispetto al 2022, rappresentando 19% della quota di mercato.<\/p>\n\n\n\n
L'assicurazione vita universale indicizzata (IUL) ha registrato un aumento dei premi di 3% a $1,05 miliardi nel quarto trimestre, con un incremento del numero di polizze di 12%. Tuttavia, i nuovi premi IUL per l'anno in corso sono scesi di 5% a $3,7 miliardi, nonostante un aumento di 20% nelle vendite di polizze, che rappresentano 24% del totale dei premi USA.<\/p>\n\n\n\n
Anche l'assicurazione vita universale variabile (VUL) ha registrato una crescita, con un aumento di 8% dei nuovi premi a $524 milioni nel quarto trimestre e un aumento di 8% a $1,9 miliardi per l'anno, mantenendo una quota di mercato di 12%.<\/p>\n\n\n\n
L'assicurazione vita universale fissa (UL) ha registrato un aumento di 9% dei nuovi premi nel quarto trimestre, raggiungendo $267 milioni, anche se il premio annuale \u00e8 sceso di 3% a $977 milioni, con una quota di mercato del 6%.<\/p>\n\n\n\n
John Carroll, vicepresidente senior e responsabile del settore vita e rendite di LIMRA e LOMA, ha sottolineato la robusta crescita del settore nell'era post-pandemia, con aumenti significativi delle vendite segnalati dalla maggioranza delle compagnie, tra cui la met\u00e0 dei primi 10 vettori.<\/p>\n\n\n\n
\"Stiamo anche assistendo a un forte aumento del numero di polizze vendute. Nel 2023, il numero di polizze \u00e8 aumentato di 4%\", ha dichiarato Carroll. \"I nostri dati sul sentimento dei consumatori suggeriscono che nel 2024 un numero maggiore di persone ha iniziato a sentirsi pi\u00f9 fiducioso nell'economia e nelle proprie prospettive finanziarie. Questo potrebbe aver spinto i consumatori a soddisfare le loro esigenze di assicurazione sulla vita\".<\/p>\n\n\n\n
<\/p>\n\n\n\n
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Quale segmento rappresenta la quota di mercato maggiore? Vita e salute Di Kenneth Araullo 22 febbraio 2024 Nel 2023, il totale dei nuovi premi annualizzati per le assicurazioni sulla vita negli Stati Uniti ha registrato un modesto aumento di 1% rispetto all'anno precedente, raggiungendo la cifra record di $15,6 miliardi, secondo i risultati preliminari del Life Insurance Marketing and Research Association (LIMRA)...<\/p>","protected":false},"author":1,"featured_media":2276,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-21","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"yoast_head":"\n
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