Benelux: investments in life insurance and pensions

In 2021, the investments of Dutch households in life insurance and pension schemes were worth approximately 1,456 euros per capita. The life branch of insurances focuses on life insurance, pensions, and funeral-in-kind insurance and reached a market share of life insurance business in terms of gross premium, the ratio of gross life insurance premium to the total gross premium, of approximately 76 percent in Belgium in 2005. This, however, decreased to approximately 59 percent in 2015. This development coincides with the European Central Bank purchasing assets on credit markets across Europe and, consequently, low interest rates in long-term investments, such as the capital market rate of ten-year government bonds in Belgium.

Value of household investments per capita in life insurance and pension schemes in Belgium, Luxembourg, and the Netherlands from 2013 to 2021 (in euros)

Characteristic	Belgium	Luxembourg	Netherlands
2021	-365.9	-	1,455.8
2020	-18.3	550.5	1,356
2019	551.8	1,210.1	1,450.1
2018	-63.7	940.4	1,173.9
2017	128.9	30.6	1,038.6
2016	126	1,730.4	1,213
2015	342.4	1,378.5	1,323.6
2014	688.9	2,103.7	1,395.5
2013	191.2	1,144.3	1,299

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Release date

April 2023

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Region

Belgium, Luxembourg, Netherlands

Survey time period

2013 to 2021

Supplementary notes

* No number was provided for Luxembourg in 2021.

The source indicates that "unless otherwise indicated, all data presented in this report are compiled according to the European System of Accounts (ESA) 2010".

The sources notes that the numbers provided concern the sum of the quarters of the corresponding year.

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