From Bancassurance and Assurfinance Towards All Finance — The Concepts of Unbundling and Rebundling

  • Lutgart van den Berghe
  • Kurt Verweire


In the first chapter we have given some arguments why banks have entered the (life) insurance industry. The growing pressure on their profit margins made them look for other sources of profit which they found by acting as a broker for insurance companies. This process has been going on for years and banks had reasonable success by selling insurance products through the bank branches. It is interesting to notice that banks also have diversified into other directions, e.g. investments were made in the real estate industry. The severe problems, some of the French banks experienced, show that this move was not always without risks.


Switch Cost Financial Service Life Insurance Insurance Product Mortgage Loan 
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Copyright information

© Springer Science+Business Media Dordrecht 1998

Authors and Affiliations

  • Lutgart van den Berghe
    • 1
  • Kurt Verweire
    • 2
  1. 1.The Vlerick School of ManagementUniversity of GentBelgium
  2. 2.Erasmus University RotterdamThe Netherlands

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