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Business Lines

ARAG and its multiple business lines

Business lines
The ARAG Group is perhaps best known for its products and services in the field of legal insurance. But it has also gained a solid reputation as an attractive multi-segment insurance provider in its German home market.

And thereby , ARAG SE plays an important role as operational holding company for the ARAG Group: The members of its Board of Management are responsible for the strategic management of the Group, for German business operations in the field of legal insurance and for the international companies.

The composite, life and health insurance segments are served by ARAG subsidiaries. ARAG Allgemeine, ARAG Leben and ARAG Kranken complement ARAG’s portfolio of quality insurance products outside the field of legal insurance.
Legal Insurance
Composite Insurance
Life Insurance
Health Insurance
Business Line Legal Insurance
Since its early years as a legal insurance pioneer, ARAG has dedicated itself to serving as a partner to its customers. The company most recently redfined the German market with its innovative new legal insurance products.
Hanno Petersen
Hanno Petersen, Director and member of the Board of Management responsible for IT/Operational Organization/Underwriting/Services

“ARAG places great emphasis on the quality of its legal insurance products. To ensure that we continue to maintain that high standard, we work constantly to improve our insurance program.”
 
The Management Board
 
Key figures for the business line
The ARAG success story began with legal insurance in 1935. Key business figures for the legal insurance line are available here.
Key figures ARAG SE
(in thousand Euros)
2012
Change
2011
2010
Sales




Gross premiums written
707,452
116.5%
326,762
311,572
Earned premiums for own account
706,346
113.6%
330,710
312,950
Costs




Cost of claims for own account
381,711
83.6%
207,925
220,228
Claims ratio (basis:earned premiums)
54.0%
-8.9%-pts.
62.9%
70.4%
Cost of insurance business for own account
315,010
140.1%
131,206
122,077
Cost ratio (basis: earned premiums)
44.6%
4.9%-pts.
39.7%
39.0%
Overview of profit and loss




Underwriting result for own account
-8,380
227.3%
-6,585
-23,785
Income from capital investments
91,039
56.5%
58,168
82,512
Other income/expenses
-23,824
-11.1%
-21,444
-18,563
Profit on ordinary activities
75,594
150.8%
30,140
40,164
Extraordinary operating result
582
n/a
0
-6,369
Net income
43,767
105.6%
21,287
55,767
Key Figures




Underwriting reserves/earned premiums (net)
164.4%
-25.8%-pts.
190.2%
204.3%
Equity/earned premiums
51.9%
-50.2%-pts.
102.1%
106.6%
 
Security in all legal matters
With an ARAG legal insurance policy, you are always in good hands whenever legal problems arise. Our products and services have earned top ratings in independent tests repeatedly. With our innovative legal insurance concepts, we continually generate new impulses in both the German and international markets.
Portfolio
If you are interested in insurance products and services offered by our international ARAG companies, please click on the “ARAG International” drop-down menu in the upper right-hand corner, from where you get to the Country-Websites of the international ARAG subsidiaries.
Business Line Composite Insurance
ARAG’s composite insurance business is concentrated primarily in Germany. The segment is served by ARAG Allgemeine. Several insurance products, such as special service packages and sports insurance policies are also offered in Austria. ARAG Allgemeine has demonstrated its strength as a provider of property, liability and accident insurance in a highly competitive market. The company is also Europe’s largest sports insurer with some 21 million leisure and competitive athletes insured.
Christian Vogée
Christian Vogée,
Director and Management Board member responsible for Sales/Operations/Claims


“Customer satisfaction and service quality are not just hollow phrases at ARAG. They are the central focus of our daily work.”
 
The Management Board
 
Key figures for the business line
A strong partner for property, liability and accident insurance: Look here for key figures for the Composite segment.
Key figures ARAG Allgemeine Versicherungs-AG
(in thousand euros)
2012
Change
2011
2010
Sales




Gross premiums written
157,659
-0.98%
159,221
163,508
Earned premiums for own account
153,282
-1.39%
155,441
159,876
Costs




Cost of claims for own account
64,837
0.73%
64,365
75,324
Claims ratio (basis: earned premiums)
42.30%
0.89%-pts.
41.41%
47.11%
Cost of insurance business for own account
63,432
1.88%
62,260
63,464
Cost ratio (basis: earned premiums)
41.38%
1.33%-pts.
40.05%
39.70%
Overview of profit and loss




Gross underwriting result before fluctuation reserve
27.309
-9.22%
30,082
21,963
Underwriting result before fluctuation reserve for own account
25,131
-13.80%
29,153
21,734
Underwriting result after fluctuation reserve for own account
27,276
-4.78%
28,646
26,049
Income from capital investments
12,191
38.53%
8,800
23,018
Other income/expenses
-4,968
6.30%
-5,302
-6,422
Profit on ordinary activities
34,499/b>
7.33%
32,144
42,645
Net income (before transfer of profits from profit transfer agreement)
32,684
3.31%
31,636
36,952
Key Figures




Underwriting reserves/earned premiums, gross
177.79%
-9.01%-pts.
186.80%
191.84%
Equity/earned premiums, gross
35.18%
0.43%-pts.
34.75%
50.21%
 
Innovative products and reliable insurance solutions
In every case – from accidents to burglary to sports injuries – you are on the safe side with ARAG Allgemeine insurance. We offer our customers security they can rely on with innovative, needs-based products.
Business Line Life Insurance
ARAG Lebensversicherung has established a customer-oriented old-age security package in the market: ARAG FoRte 3D. The modern generation of unit-fund-linked policies combines security, yield and flexibility effectively in a single product. Thus ARAG is also a strong partner in the field of private old-age security in the German market.
Dr. Wendler
Dr. Werenfried Wendler,
Director and Management Board member responsible for Human Resources, inter alia


“ARAG Lebensversicherungs-AG successfully accomplishes its mission as a partner to its customers in all old-age security matters and is well equipped to meet the challenges of the growing old-age security market."
 
The Management Board
 
Key figures for the business line
Strong production despite our deliberate avoidance of single-premium products. Key figures for the life insurance segment are provided here.
Key figures ARAG Allgemeine Lebensversicherungs-AG
(in Thousand Euro)
2012
2011
2010
Insurance portfolio



Life (insured amount)
7,474.7
7,117.4
6,615.9
Premiums



Gross premiums written
229.6
218.1
206.6
Earned premiums for own account
226.6
215.2
204.5
Costs



Cost of claims for own account
224.6
231.5
221.7
Cost of insurance business for own account
59.9
69.1
55.0
Overview of profit and loss



Gross profit
22.9
18.6
31.7
Profit of ordinary activities
-1.3
5.6
8.1
Net income
0.0
3.3
5.2
Key Figures



Total premiums new business
1,022.1
1,101.8
704.1
Own funds ratio life ins.
171.9%
170.4%
176.9%
 
Individualized security
The unit-funds-linked policies offered by ARAG enable customers to choose an optimum combination of flexibility, security and yield. That facilitates individualized adjustment of old-age security coverage in response to each customer’s personal situation. With the ARAG RenditeTresor, unit-fund gains on freely invested funds can be secured in the long term. All of these advantages have repeatedly earned ARAG FoRte 3D outstanding rankings in independent performance surveys.
Business Line Health Insurance
ARAG Krankenversicherung offers its customer an attractive product portfolio of private full-coverage and private supplementary insurance policies. For many years, health insurance is an important growth driver for the ARAG Group.
Werner Nicoll
Werner Nicoll,
Director and member of the Board of Management responsible for Finance, inter alia


“ARAG Health pursues a conservative investment policy with an emphasis on security and will take advantage of its solid position to remain on course for growth in the years to come.”
 
The Management Board
 
Key figures for the business line
For more than 15 years, ARAG Kranken has been growing consistently ahead of the market average while maintaining a strong focus on profitability. Click here for a look at the key business figures for this line.
Key figures ARAG Krankenversicherungs-AG (in Thousand Euro)
2012
2011
2010
Insurance portfolio



Health (monthly debit)
28.1
26.4
24.8
Premiums



Gross premiums written
331.3
309.4
286.8
Earned premiums for own account
329.7
300.1
285.6
Costs



Cost of claims
182.2
170.2
158.8
Cost of insurance business for own account
43.1
46.3
43.8
Overview of profit and loss



Underwriting result for own account
13.5
9.8
9.8
Profit on ordinary activities
11.2
7.9
8.4
Net income
6.0
5.0
5.0
Key figures



Own funds ratio health ins.
208.6%
208.3%
210.2%
 
Health and security
ARAG Kranken offers customized products for people in every imaginable situation with its comfort and premium rates in the full-coverage segment. Consumers covered by statutory insurance can fill gaps in their health coverage with a wide range of attractive supplemental insurance policies. The high quality of ARAG full-coverage and supplemental insurance policies is documented by high rankings in product and business ratings.