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The Latvian middle class much охотнее uses memory pension insurance, and insurance of credits and accumulation for children do not involve the big attention. And in general life insurance still considerably lags behind insurance of risks |
The zealous representative of middle class in the countries of the developed capitalism should postpone at least 10 % from the income, the standard western practice says. For this purpose it is possible to use the diversified financial services, including various kinds of life insurance.
Latvia in this plan has chosen the special way of development – life insurance does not enjoy yet special popularity on a background of insurance of risks. From January till May of this year on brave insurance the Latvian insurers have signed premiums on 72 million Ls, and on life insurance – only on 11 million Ls. However, popularity of last service dynamically grows – the volume of the signed premiums in comparison with the same period of 2005 has grown on 58 %.
Interrogation which recently have lead Hansabanka and Latvijas fakti, testifies that at least target group (people in the age of from 25 till 45 years, with the income exceeding 150 Ls) it is rather not bad informed on opportunities of memory insurance. Among interrogated pension insurance, and the least – memory insurance of the child uses the greatest popularity. They know the nobility about it, but in turn behind the policy do not become – proceeding from volumes of insurance premiums, it is possible to draw a unequivocal conclusion: life insurance for latvians yet did not become service of priority demand.
So, according to interrogation, about pension insurance it is good or interrogated, 55 % are approximately informed on memory life insurance – 43 %, about insurance of credits – 33 %, and about memory insurance of the child – 35 %. In the ranks of target group, that is people who with the greatest probability can address to insurers, knowledge of all services above, rather than among all weight of respondents.
Accordingly, knowledge of pension insurance testifies that it is rather popular. Among a target audience 38 % of the interrogated and 24 % from the general number of respondents have taken advantage of this servant. Considerably the smaller attention is given insurance of credits (16,4 % from a target audience and 4,8 % from all interrogated) and to life insurance (11,9 % and 7,8 %, accordingly).
Much less latvians memory insurance for children interests: from target group (having even one child in the age of till 15 years, people in the age of from 25 till 45 years, with the income exceeding 150 Ls) by it have taken advantage 11,5 %, and among all interrogated – 3,6 %. In plans on use of this or that service pension insurance whereas outsiders are insurance of credits and accumulation for the child also is in the lead.
In general, there is such impression, that representatives of the Latvian middle class while are more anxious by the worthy old age, rather than well-being of children or reduction of credit risks.
Another matter, that results of interrogation can reflect a reality not completely. If to trust this research on a question on in what company the client first of all would address for service of memory insurance, 30,5 % of respondents have answered – in Hansabanka. However the situation in the market of life insurance while develops not in favour of Hansabanka: leaders on volume of the signed premiums are insurance societies Ergo Latvija dz? v? ba (4,3 million Ls), Sampo Dz? v? ba (2,7 million Ls) and SEB Dz? v? bas apdro? in?? ana (2,2 million Ls). Meanwhile, by results of the interrogation paid Hansabanka, Ergo Latvija dz? v? ba trust 5,1 %, Sampo Dz? v? ba – 0,6 %, and SEB Unibanka – 18,9 %. It turns out, that clients trust one companies,
And buy services absolutely from others. That is a little bit strange.