Europejski Urząd Nadzoru Ubezpieczeń i Pracowniczych Programów Emerytalnych (European Insurance and Occupational Pensions Authority - EIOPA), Raport EIOPA trendy konsumenckie w roku 2021

The decrease (-10%) in with proft participation gross-written premium (GWP), led to an overall decrease in life insurance GWP. This is the result of the continued low for long interest rate environment which is accelerating the shift from traditional products with guarantees towards unit-linked insurance (+2%).

While this shift allows consumers to seek higher returns, a number of conduct issues continue being observed. In particular, consumers continue having limited understanding of these products and some of the products are highly complex. Moreover, a number of unit-linked products showing high costs and complex structures with high commissions further increase concerns relating to possible...