Since 1994 the highly regulated German insurance market have been deregulated. Insurers have been allowed to calculate their premiums and to offer contracts without regulation. Especially in the motor vehicle insurance several innovations were introduced: age of car, garage, kilometers per year...

To explain the success of different distribution strategies in the life insurance industry, we analyze the performance of single- and multi-channel distribution firms in the German life insurance industry. We estimate cost and profit efficiency for three groups of life insurers: multi-channel...

Since 1994 the highly regulated German insurance market have been deregulated. Insurers have been allowed to calculate their premiums and to offer contracts without regulation. Especially in the motor vehicle insurance several innovations were introduced: age of car, garage, kilometers per year...