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Bancassurance – Main Insurance Distribution And Sale Channel In Europe


  • Emilia CLIPICI

    () (Faculty of Economics, University of Pitesti, Romania)

  • Catalina BOLOVAN

    (Faculty of Economics, University of Pitesti, Romania)


Before the emergence of the crisis, banks’ incomes were preponderantly oriented towards the lending activity, which activity is unsustainable in these circumstances. With the financial crisis, banks have diversified revenues and identified the benefits of sustainable partnerships with insurance institutions (the bancassurance), achieving convergence towards common platforms. The driving factor of the bancassurance system must also be sought in the common need of banks and insurance companies to optimize the structure and efficiency of the distribution channels. Thus, if credit institutions seek to obtain additional revenue by capitalizing the potential of regional networks, initially configured based on own marketing policies, insurance companies are interested in diversifying without significant capital investment, the traditional distribution methods, so that the products and services offered have access to a large number of potential customers.

Suggested Citation

  • Emilia CLIPICI & Catalina BOLOVAN, 2012. "Bancassurance – Main Insurance Distribution And Sale Channel In Europe," Scientific Bulletin - Economic Sciences, University of Pitesti, vol. 11(Special), pages 54-62.
  • Handle: RePEc:pts:journl:y:2012:i:special:p:54-62

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    Cited by:

    1. Isinta & H. M & Aduda & J & Magutu & P, 2019. "Intervening Effect of Savings Mobilization on the Relationship between Bancassurance and Financial Performance of Commercial Banks in Kenya," Journal of Finance and Investment Analysis, SCIENPRESS Ltd, vol. 8(2), pages 1-4.

    More about this item


    bancassurance; credit institution; insurance company;
    All these keywords.

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • E50 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - General


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