Insurance EuropeInsurance Europe
Pensions

Europe faces major challenges as its population gets older

As people live longer, providing for the older generation is putting additional strain on already stretched public finances across Europe. As this trend continues, the challenge facing member states is to find ways to make sure that pensioners have a comfortable retirement.

Insurers are major providers of occupational and personal pensions, delivering on their long-term promises for those that save during their working lives. Creating a regulatory environment that ensures a level playing field for all pension providers, that supports good governance and that provides clear information and certainty in preparation for retirement is key to ensuring that we are provided for in our older age.

That is why Insurance Europe welcomes and continues to engage with the European Commission in the implementation of the Institutions for Occupational Retirement Provision (IORP II) Directive, the debate on personal pension products and the role of pension provision in kick-starting growth through the Capital Markets Union.

Insurance Europe has also published A Blueprint for Pensions, which sets out the extent of the pensions challenge and suggests actions to help ensure that Europe’s citizens save enough, save well and save wisely for their retirement.

 

   

Related statistics
European insurers investment portfolio
TotalLife insurers' investment portfolioNon-life insurers' investment portfolio
200446821107
200553061192
200656571287
200759491348
200855011337
200961011350
201065021365
201165151404
201270631520
201373001554
201479051665
201581651694
Colour#82c55b#002957
url/node/4421/node/4401
Stacked Column

Hover over the bars for each data point, or click on a bar to see life or non-life premiums by country data.

Notes:
Nominal growth at constant exchange rates
For ES, the total insurers’ investment portfolio is greater than the sum of the life & non-life insurers’ portfolios because unaffected investment is included in the total
For LI, figures include cross-border business
For LU, figures are from the Commissariat aux Luxembourg and include cross-border business
Size of the sample (as % of total premiums): 99.7%

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