Global Bancassurance€¦ · Global Bancassurance: Product and Partnership Strategies in...

Global Bancassurance: Product and Partnership Strategies in Protection-Related

Life Insurance of the World’s Top 500 Retail Banking Groups

© Finaccord, 2018 Web: www.finaccord.com. E-mail: [email protected] 1

Global BancassuranceProduct and Partnership Strategies in

Protection-Related Life Insurance of the

World's Top 500 Retail Banking Groups

Report Prospectus

January 2018

http://www.finaccord.com/

mailto:[email protected]




Prospectus contents

What is the research?

How do country-specific retail banking units covered break down by region and group?

What is the report structure?

Output example: banking group involvement in protection-related life insurance plus

unweighted and weighted provider share of partnerships

What are the key features of the research?

How can the research be used?

How can the Partner BASE™ be used?

Who can use the research?

What are some of the key findings?

Which banking groups are covered?

What is the cost and format?

Country-specific reports about bancassurance

How can the research be purchased?

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What is the research?

Global Bancassurance: Product and Partnership Strategies in Protection-Related Life Insurance of

the World's Top 500 Retail Banking Groups is a report and PartnerBASE™ dataset that provides an

overview of the involvement in risk life, critical illness and income protection insurance of 500 of the

world’s leading consumer banking groups. These have been selected through a formula that

considers the value of their total assets, the degree to which they have significant consumer

banking operations (thereby excluding pure investment and corporate banking groups) and their

rank by number of retail banking customers within each of over 100 countries in scope.

In total, the research investigates 1,572 retail banking units and other lending institutions since

many of these groups are active in retail banking in multiple territories. For example, the study

analyses the bancassurance operations of Citigroup across a total of 24 countries.

For each country-specific unit, it ascertains which of risk life, critical illness and income protection

insurance are offered, the operating model used where they are available (differentiating, for

example, between external, joint venture and captive underwriting partners) and the identity of the

insurance providers in each case. This dataset is then used to analyse the strategies of each of the

500 retail banking groups in scope for these three product classes. Moreover, the PartnerBASE™

dataset can be employed to analyse the bancassurance agreements identified in terms of both

unweighted and weighted partnerships.






How do country-specific retail banking units

covered break down by sub-region and group?

Source: Finaccord Global Bancassurance PartnerBASE for the World’s Top 500 Retail Banking Groups

Asia-Pacific region, 364

Australasia, 30

Europe, 572

Latin America, 186

Middle East and North Africa, 159

North America and the

Caribbean, 75

Sub-Saharan Africa, 186

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24

27

28

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34

38

45

60

0 20 40 60 80 100

others

BBVA

Intesa Sanpaolo

Groupe BPCE

Ecobank

UniCredit

Crédit Mutuel

Scotiabank

Crédit Agricole

Raiffeisen Bankegruppe

Citigroup

Standard Chartered

Société Générale

HSBC

Santander

BNP Paribas

American Express

1,154






What is the report structure?

0. Executive Summary: providing a concise evaluation of the principal findings of the report.

1. Introduction: offering rationale, description of methodology and some definitions.

2. Group Strategy Overview: this chapter uses data gathered across the 500 banking groups

researched for this report (via the 1,572 country-specific banking units and other lending institutions

belonging to them) in order to give a combined analysis of their product and partnership strategies

for protection-related life insurance. As such, it presents an overview of the provision rates for each

product type followed by regional and sub-regional variances. These are followed by an overview of

the operating models used for each scheme identified. Then, the chapter concludes with graphics

illustrating the unweighted provider share of partnerships across the 500 banking groups for each of

risk life, critical illness and income protection insurance.

3. Group Strategy Analysis: for each of the 500 banking groups in turn, the interactive

PartnerBASE™ dataset provides an overview of their retail operations and a summary of their

product and partnership strategy for risk life, critical illness and income protection insurance

including a table illustrating their involvement in these fields and a pair of bar charts depicting

unweighted and weighted provider share of partnerships for the three insurance types in scope (see

slide 6 as an example).






Output example (for Itaú Unibanco Holding): banking group

involvement in protection-related life insurance plus

unweighted and weighted provider share of partnerships


Group overview

Total assets worldwide (USD billion) 324.1

Approx. number of customers worldwide (million) 83.98

Countries researched 6

Banking operations researched 12

Captive underwriter(s) for products in scope? Yes

JV underwriter(s) for products in scope? No

Unweighted product provision rates

Risk life insurance 83.3%

Critical illness insurance 66.7%

Income protection insurance 41.7%

Unweighted provider share of partnerships, % (UHCs) Weighted provider share of partnerships, % (UHCs)

MetLife 33.3% MetLife 49.4%

Itaú Unibanco 14.8% Itaú Unibanco 46.2%

Chubb 11.1% Chubb 1.4%

MAPFRE 11.1% Aseguradora del Este <1%

Inversiones La Construcción 7.4% Assurant <1%

Liberty Mutual 7.4% BNP Paribas Cardif <1%

Aseguradora del Este 3.7% Icatu <1%

Assurant 3.7% Inversiones La Construcción <1%

BNP Paribas Cardif 3.7% Liberty Mutual <1%

Icatu 3.7% MAPFRE <1%






What are the key features of the research?

Key features of this research include:

• across a total of 1,572 consumer banking units owned by the world’s top 500 retail banking groups,

an overview of the provision rates for protection-related life insurance segmented by sub-region, with

coverage of the Asia-Pacific region, Australasia, Europe, Latin America, the Middle East and North

Africa, North America and the Caribbean, and Sub-Saharan Africa;

• identification of the insurance providers that hold the most partnerships with the banking groups

and units in scope for each of risk life, critical illness and income protection insurance;

• for each banking group, an analysis of the providers that it uses for these three products presented

in both unweighted and weighted terms, thereby illustrating not only which partners are engaged in

the most initiatives with that group but which are likely to hold the most valuable relationships given

the number of retail customers of the local country unit in question;

• availability of an accompanying interactive PartnerBASE™ dataset that details over 1,250 distinct

initiatives for protection-related life insurance and that is fully searchable and filterable, enabling

provision and distribution patterns to be explored by banking brand, banking group, country and

insurance type.






How can the research be used?

The report and PartnerBASE™ dataset that accompanies it can be used in one or more of the

following ways:

- gain access to a unique information source that will allow you to arrive at a rapid understanding of

the product and partnership strategies for protection-related life insurance of 500 of the world's

leading retail banking groups;

- appreciate which insurance providers have been successful in establishing partnerships for

protection-related life insurance with these banking groups: what is the relative position of leading

underwriters such as Aflac, Allianz, Assurant, AXA, BNP Paribas Cardif, Chubb, Generali, MetLife,

MS&AD Holdings and Prudential?

- evaluate opportunities to establish bancassurance partnerships for risk life, critical illness and

income protection insurance either in a single country or across multiple territories where banking

groups are active;

- benefit from both the high-level conclusions contained within the report and the product-specific

detail in the PartnerBASE™, meaning that this is a study that can be used for both strategic and

tactical planning.





© Finaccord, 2018 Web: www.finaccord.com. E-mail: [email protected]

Banking group Banking brand Country ProductProduct

offered?Operating model Partner(s) UHC(s)

Bank of India Bank of India India Risk life insurance Yes JV underwriter Star Union Dai-ichi Life Bank of India / Dai-ichi Life / Union Bank of India

Canara Bank Canara Bank India Risk life insurance Yes JV underwriter Canara HSBC Oriental Bank of Commerce Life Canara Bank / HSBC / Oriental Bank of Commerce

Citigroup Citibank India Risk life insurance Yes External underwriter Tata AIA Life AIA Group / Tata Group

Corporation Bank Corporation Bank India Risk life insurance Yes External underwriter Life Insurance Corporation of India LIC Group

DBS DBS Bank India Risk life insurance Yes External underwriter Aviva Life Aviva / Dabur Investments

HDFC Bank HDFC Bank India Risk life insurance Yes JV underwriter HDFC Standard Life HDFC Bank / Standard Life

HSBC HSBC India Risk life insurance Yes JV underwriter Canara HSBC Oriental Bank of Commerce Life Canara Bank / HSBC / Oriental Bank of Commerce

ICICI Bank ICICI Bank India Risk life insurance Yes JV underwriter ICICI Prudential Life ICICI Bank / Prudential

Indian Bank Indian Bank India Risk life insurance Yes External underwriter Life Insurance Corporation of India LIC Group

Oriental Bank of Commerce Oriental Bank of Commerce India Risk life insurance Yes JV underwriter Canara HSBC Oriental Bank of Commerce Life Canara Bank / HSBC / Oriental Bank of Commerce

9

How can the PartnerBASE™ be used?

Identify partner(s)Select banking brand Filter by product

Filter by group Choose

country

See operating model View UHC(s) of partner(s)







Who can use the research?

1. Banking groups: approaches to distributing protection-related life insurance vary enormously

across the 500 banking groups investigated – if your organisation is reviewing its own product

or partnership strategy in this field then this study will help it to benchmark itself against its

global peer group;

2. Insurance underwriters: this research provides a comprehensive guide to the product and

partnership strategies in risk life, critical illness and income protection insurance of 500 major

retail banking groups, allowing you to formulate strategy at both regional and country-specific

levels;

3. Management consultancies: if you are helping an insurance or banking group with its strategy

in protection-related life insurance, then this research will summarise the worldwide landscape,

saving time and effort on researching the subject yourself;

4. Investment banks: depending upon the regulatory environment, their financial constraints and

their strategic intent, banking groups regularly review whether they should develop, buy or

divest insurance operations which, naturally, can generate work for the investment banking

community.






What are some of the key findings?1) Banks are more likely to distribute risk life cover than either critical

illness or income protection insurance in each of the broad regions

Americas

Asia-Pacific region and Australasia

Europe

Middle East and Africa


Risk life insurance

Critical illness insurance

Income protection insurance

Percentage of banks researched offering insurance product type

4.9%

6.9%

38.7%

15.1%

7.7%

53.1%

5.6%

33.0%

62.7%

16.5%

23.4%

54.4%

0% 20% 40% 60% 80% 100%






What are some of the key findings? (cont.)

2) Across all bancassurance initiatives for protection-related life insurance

combined, use of captive underwriters accounts for over a quarter of the total


External underwriter,

44.1%

Multiple external

underwriters, 10.0%

Captive underwriter,

25.3%

JV underwriter, 11.9%

Other, 5.2%

Undisclosed, 3.6%






What are some of the key findings? (cont.)

3) On an unweighted basis, MetLife, Aflac and MS&AD Holdings are the leading

partners of banks worldwide for stand-alone critical illness insurance and

providers outside of the top ten account for over 70% of all relationships

Note – the identities of providers 4 to 10 are disclosed in the report


MetLife, 6.6%

Aflac, 3.3%MS&AD Holdings,

3.3%

Provider 4, 2.4%

Provider 5, 2.4%

Provider 6, 2.4%

Provider 7, 2.2%

Provider 8, 2.2%

Provider 9, 2.0%

Provider 10, 2.0%

All others, 71.2%






Which banking groups are covered?

Abanka

ABN AMRO

Abu Dhabi Islamic Bank

Access Bank Group

ACLEDA Bank

ADB

ADCB

Addiko Bank

AEON Financial Services

Affin Holdings

African Bank Investments

Agribank

Agricultural Bank of China

Ahli United Bank

AIB Group

AK BARS Bank

Akbank

Al Baraka Banking Group

Al Rajhi Bank

Al Salam Bank – Bahrain

Alfa Banking Group

alinma bank

Alior Bank

Allahabad Bank

Alliance Data Card Services

Alliance Financial Group

Allied Bank

Alpha Bank Group

AmBank Group

Amen Bank

American Express

AnaCap Financial Partners

Anadolubank

ANB Group

Andhra Bank

ANZ

Arab Bank

Argenta Group

ATB Financial

Atlas Mara

Axis Bank

B&N Bank

BADR

BanBajío

Banca Afirme

Banca Mediolanum

Banca Transilvania

Banco Agrario de Colombia

Banco Ahorro Famsa

Banco Alfa

Banco Atlantida

Banco BIC

Banco Bolivariano

Banco Caja Social

Banco Consorcio

Banco Credicoop

Banco da Amazônia

Banco Davivienda

Banco de Brasília

Banco de Córdoba

Banco de Costa Rica

Banco de la Ciudad

Banco de la Nación (Argentina)

Banco de la Nación (Perú)

Banco del Pacífico

Banco do Brasil

Banco do Nordeste

Banco Falabella

Banco Ficohsa

Banco General

Banco GNB Sudameris

Banco Hipotecario

Banco Industrial

Banco Mercantil do Brasil

Banco Mercantil Santa Cruz

Banco Nacional de Costa Rica

Banco Nacional de Panamá

Banco Pan

Banco Popular (Costa Rica)

Banco Popular (Dominican Republic)

Banco Popular (Puerto Rico)

Banco Postal

Banco Provincia

Banco República

Banco Ripley

Banco Sabadell

Banco Sol

BancoEstado

Banesco

Bangkok Bank

Bank Albilad

Bank AlJazira

Bank Asya

Bank Audi

Bank Central Asia

Bank Danamon

Bank Hapoalim

Bank Leumi

Bank Mandiri

Bank Muscat Group

Bank Negara Indonesia

Bank of America

Bank of Baroda

Bank of Beijing

Bank of Beirut

Bank of Ceylon

Bank of China

Bank of Commerce

Bank of Communications

Bank of India

Bank of Ireland

Bank of Jiangsu

Bank of Ningbo

Bank of Queensland

Bank of Shanghai

Bank of the Philippine Islands

Bank of Yokohama

Bank Rakyat Indonesia

Banka Citadele

Bankia

BankMed

Banorte

BanPará

Banque de Tunisie

Banque du Caire






Which banking groups are covered? (cont.)

Banque et Caisse d'Épargne de l'État

Banque Extèrieure d'Algérie

Banque Française Mutualiste

Banque Misr

BanReservas

Banrisul

Barclays

Basler Kantonalbank

BAWAG PSK

BayernLB

BB&T

BBK

BBVA

Bci

BDO Unibank

BEA Group

Beijing Rural Commercial Bank

Belfius

Bendigo and Adelaide Bank

BGFIBank Group

BIAT

BIDV

BLOM Bank

BMCE Bank

BMN

BMO Financial Group

BNA (Banque Nationale d’Algérie)

BNK Financial Group

BNP Paribas

BPC

BPI

Bradesco

BSN

Burgan Bank

Byblos Bank Group

Caixa Econômica Federal

Caja de Ahorros (Panama)

Caja Los Andes

Caja Popular Mexicana

Cambodia Post Bank

Canadia Bank

Canara Bank

Capital One

CB Bank

CBA Group

CEC Bank

Centenary Bank

Chase Bank

Chiba Bank

China CITIC Bank

China Construction Bank

China Everbright Bank

China Guangfa Bank

China Merchants Bank

China Minsheng Bank

Chongqing Rural Commercial Bank

CIB

CIBC

CIH Bank

CIMB Group

Citigroup

Citizens Financial Group

Clientis

CNEP Banque

Coast Capital Savings

Comerica

Commercial Bank of Ceylon

Commercial Bank of Dubai

Commercial Bank of Ethiopia

Commercial Bank of Qatar

Commerzbank

Commonwealth Bank Group

Co-operative Bank of Kenya

Cornèr Banca

Corporation Bank

Coventry Building Society

CPA Bank

CRDB Bank

Credicorp

Crédit Agricole

Crédit Mutuel

Credit Saison

Credit Suisse Group

CTBC Financial Holding

CYBG

Danske Bank

DBS

De Volksbank

Desjardins Group

Deutsche Bank

DFCU Bank

DGB Financial Group

Diamond Bank

Discount Bank

Discover Financial Services

DNB

Doha Bank

DongA Bank

Drei Banken Gruppe

DTB Group

Dubai Islamic Bank

Ecobank

Eika Gruppen

Emirates NBD

Equity Group Holdings

Erste Group

Eurobank Ergasias

Evergrowing Bank

Exim Bank Group

FBN Holdings

FCMB

FGB

FiBA Group

Fibank

Fidelity Bank

Fifth Third Bancorp

Financiera Independencia

First Ukrainian International Bank

FirstRand Group

Fukuoka Financial Group

GarantiBank

Gazprombank

GCB

Global Bank

Government Savings Bank (Thailand)







Groupe Attijariwafa

Groupe Banque Populaire

Groupe BPCE

Groupe NSIA

Grupo Aval

Grupo Bancolombia

Grupo Caja Rural

Grupo CGD

Grupo Coomeva

Grupo Galicia

Grupo Interbank

Grupo Macro

Grupo Pichincha

Grupo Safra

Grupo Salinas

Grupo Security

Grupo Supervielle

Gruppo Banca Carige

Gruppo Banca Sella

Gruppo BPER

Gruppo BPM

Gruppo Credem

GTBank

Guangzhou Rural Commercial Bank

Gulf Bank

Habib Bank

Halkbank

Hamburger Sparkasse

Hana Financial Group

Handelsbanken

Hatton National Bank

HDFC Bank

Hokuhoku Financial Group

Hong Leong Financial Group

Housing Bank for Trade and Finance

HSBC

Hua Nan Financial

Hua Xia Bank

Huishang Bank

Huntington Bancshares

IberCaja Banco

ICBC

ICICI Bank

IKANO Bank

Inbursa

Indian Bank

Indian Overseas Bank

Industrial Bank

Industrial Bank of Korea

ING Group

International Personal Finance

Intesa Sanpaolo

Investec

İşbank

Islami Bank Bangladesh

Itaú Unibanco Holding

Janata Bank

Japan Post Bank

JB Financial Group

JCB

JP Morgan Chase

Jyske Bank

Kasikorn Bank

KB Financial Group

KBC Group

KBZ Bank

KCB Group

KeyCorp

Keystone Bank Group

Kiwibank

Komercijalna Banka

Korea Post Bank

Krungthai Bank

Kuwait Finance House

La Araucana

La Banque Postale

La Caixa

Laboral Kutxa

Landesbank Baden-Württemberg

Landesbank Berlin

Lao Development Bank

Leeds Building Society

Liberbank

Lloyds Banking Group

Los Héroes

M&T Bank

Macquarie Group

Mashreq Bank

Maybank

MCB (Mauritius Commercial Bank)

MCB Bank

MedMera Bank

Mega International Commercial Bank

Metrobank

Midway Financeira

Migrosbank

Millennium BCP

Mitsubishi UFJ Financial Group

Mizuho Financial Group

Monte dei Paschi di Siena

Montepio

Multibank

National Australia Bank Group

National Bank of Canada

National Bank of Egypt

National Bank of Greece

National Bank of Pakistan

Nationwide Building Society

Navy Federal Credit Union

NBAD

NBB

NBK

NBO

NCB

Nedbank Group

NH Financial Group

NIC Bank Group

Nishi-Nippon City Bank

NLB Group

NMB (National Microfinance Bank)

Noble Bank

Noor Bank

Nordea Group

Nova KBM Group

NOVO BANCO







Nuevo Banco de Santa Fe

Nykredit

OCBC

Oney Banque Accord

OP Financial Group

Orient Corporation

Oriental Bank of Commerce

Oschadbank

Otkritie Holding

OTP Group

Pentagon Federal Credit Union

People’s Bank

Permanent TSB Group

Philippine National Bank

Ping An Bank

Piraeus Bank

PKO Bank Polski

PNC Financial Services Group

Postal Savings Bank of China

Postfinance

Poštová Banka

PPF Group

PrivatBank

Public Bank

Punjab National Bank

Qatar International Islamic Bank

Qatar Islamic Bank

QNB

Rabobank

Raiffeisen Bankengruppe

Raiffeisen Switzerland

RAKBANK

Rakuten Bank

RBC

RBS Group

RCBC

Regions Financial Corporation

Renaissance Credit

Republic Bank

Resona Holdings

RHB Banking Group

Riyad Bank

Rupali Bank

Russian Agricultural Bank

Russian Standard Bank

Säästöpankki

Samba Financial Group

Sampath Bank

Samsung Card

Santander

Saudi Hollandi Bank

Sberbank

SBI Group

SBM Group

Scotiabank

SEB Group

S-Group

Shanghai Commercial Bank

Shanghai Pudong Development Bank

Shanghai Rural Commercial Bank

Shinhan Financial Group

Shoko Chukin Bank

Siam Commercial Bank

Šiaulių Bankas

Sicredi

Skipton Building Society

SKOK

Skye Bank

Société Générale

Sonali Bank

SpareBank 1 Gruppen

Sparkasse KölnBonn

Standard Bank Group

Standard Chartered

State Bank of India

State Employees Credit Union

Sterling Bank

Suhyup Bank

Sumitomo Mitsui Financial Group

Suncorp Group

SunTrust Banks

Swedbank

Synchrony Financial

Syndicate Bank

Taishin Financial Holding

Taiwan Cooperative Bank

Taiwan Financial Holdings

TCS Group

TD Bank Group

TEBA Group

The Co-operative Bank

Turkish Bank Group

U.S. Bancorp

UBA Group

UBI Banca

UBL

UBS

UCO Bank

Ukrgasbank

uniBank

Unicaja

UniCredit

Union Bank of India

Union National Bank

United Bank of India

UOB Group

UralSib

USAA

VakıfBank

Vancity

Vietcombank

Vietinbank

Virgin Money

Volksbank Gruppe

Votorantim Finanças

VTB Group

Wells Fargo

Westpac

Woori Bank Group

Wüstenrot & Württembergische

Yamaguchi Financial Group

Yorkshire Building Society

Zenith Bank

Ziraatbank

Zürcher Kantonalbank






What is the cost and format?Global Bancassurance: Product and Partnership Strategies in Protection-Related Life Insurance of the World's Top

500 Retail Banking Groups is available as a standard PDF document. The PartnerBASE™ dataset that

accompanies it at no further charge is in Excel format. Costs for this research set and other related, multi-country

bancassurance titles being made available during 2017 and the first quarter of 2018 are as follows:

REPORT

Global Bancassurance: Product and Partnership Strategies of the World’s Top 500 Retail Banking Groups

Global Bancassurance: Product and Partnership Strategies of the World’s Top 150 Retail Banking Groups

Bancassurance in Africa and the Middle East: Product and Partnership Strategies of the Region’s Top 120 Retail Banking Groups

Bancassurance in the Americas: Product and Partnership Strategies of the Region’s Top 120 Retail Banking Groups

Bancassurance in the Asia-Pacific Region and Australasia: Product and Partnership Strategies of the Region’s Top 150 Retail Banking Groups

Bancassurance in Europe: Product and Partnership Strategies of the Region’s Top 150 Retail Banking Groups

Global Bancassurance: Product and Partnership Strategies in Accident and Health Insurance of the World’s Top 500 Retail Banking Groups

Global Bancassurance: Product and Partnership Strategies in Commercial Non-Life Insurance of the World’s Top 500 Retail Banking Groups

Global Bancassurance: Product and Partnership Strategies in Investment-Related Life Insurance and Retirement Savings of the World’s Top 500 Retail Banking Groups

Global Bancassurance: Product and Partnership Strategies in Motor, Household and Travel Insurance of the World’s Top 500 Retail Banking Groups

Global Bancassurance: Product and Partnership Strategies in Personal and Identity Protection Insurance of the World’s Top 500 Retail Banking Groups

Global Bancassurance: Product and Partnership Strategies in Protection-Related Life Insurance of the World’s Top 500 Retail Banking Groups

PRICE *

USD 11,195

USD 5,595

USD 2,795

USD 2,795

USD 4,195

USD 4,195

USD 3,495

USD 3,495

USD 3,495

USD 3,495

USD 3,495

USD 3,495

* Titles focused on bancassurance in single countries are as shown overleaf – for Singapore-based clients, GST at the prevailing

rate will be added to the basic price – costs quoted are for a single site user licence only – for a corporate user licence, please

see the next slide for further details – invoices can be paid in EUR or GBP, at the prevailing exchange rate, if preferred.






Country-specific reports about bancassurance

Separate reports about bancassurance in different countries are available as listed below. These

cover investment-related life insurance and retirement savings, protection-related life insurance,

accident and health insurance, motor and household insurance, and creditor insurance linked to

mortgages, consumer finance and credit cards.

* For Singapore-based clients, GST at the prevailing rate will be added to the basic price.

Costs quoted are for a single site user licence only.

For a corporate user licence, please see the final slide for further details.

Invoices can be paid in EUR or GBP, at the prevailing exchange rate, if preferred.

Belgium USD 1,395 Malaysia USD 1,395

Brazil USD 1,395 Mexico USD 1,395

Chile USD 1,395 Philippines USD 1,395

China USD 1,395 Poland USD 1,395

France USD 1,395 Russia USD 1,395

Hong Kong USD 1,395 South Korea USD 1,395

India USD 1,395 Spain USD 1,395

Indonesia USD 1,395 Thailand USD 1,395

Italy USD 1,395 Vietnam USD 1,395

Japan USD 1,395

BANCASSURANCE IN…






How can the research be purchased?

Simple. Just go to the relevant area of the Finaccord website, create your account (if you do not

have one already) and place your order online. Products paid for online by card will be delivered

immediately by e-mail but please allow up to one working day for delivery by e-mail if you choose to

pay on receipt of invoice.

With regards to the corporate user licence, you will be asked to choose one of the following options:

1. One office, one country: no supplement over and above basic cost of reports ordered

2. Multiple offices, one country: additional 20% over and above basic cost of reports ordered

3. Multiple offices, two to ten countries: additional 50% over and above basic cost of reports ordered

4. Global (unlimited offices in unlimited countries): additional 100% over and above basic cost of reports ordered

Alternatively, you can place an order by sending your request to [email protected], clearly

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