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[link widoczny dla zalogowanych]
Size of global [link widoczny dla zalogowanych] industry
Global [link widoczny dla zalogowanych] premiums grew by 9.7% in 2004 to reach $3.3 trillion.
This follows 11.7% growth in the previous year. Life [link widoczny dla zalogowanych] premiums grew
by 9.8% during the year, thanks to rising demand for annuity and pension products.
Non-life [link widoczny dla zalogowanych] premiums grew by 9.4%, as premium rates increased. Over the
past decade, global [link widoczny dla zalogowanych] premiums rose by more than a half as annual growth
fluctuated between 2% and 10%.
[link widoczny dla zalogowanych]
Teenage drivers who have no driving record will have higher [link widoczny dla zalogowanych] premiums.
However young drivers are often offered discounts if they undertake further driver training
on recognised courses, such as the Pass Plus scheme in the U.K. In the U.S. many insurers
offer a good grade discount to students with a good academic record and resident student
discounts to those who live away from home. Generally insurance premiums tend to become
lower at the age of 25. Senior drivers are often eligible for retirement discounts.