Europe's leading insurance companies rival it in terms of non-life premiums written and balance-sheet oomph.

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Paul Heaton of Deutsche Morgan Grenfell has calculated life firms' solvency ratios roughly, the ratio of capital to premiums written.

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Its network of 14, 000 agents have made Allianz No. 1 in Germany's traditional life insurance market, with Euro4.2 billion in gross premiums written in Germany in the first half of 2000.

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Its net premiums written is almost flat from the same period last year, but its combined ratio declined to 97.6% from 98.2% in 2011, an important increase of 60 basis points.

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Net premiums written increased 17.6%.

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Participants would know how much they would pay for each prescription and for coverage premiums because the amounts would be written in law.

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