مجلة الإبداع
Volume 16, Numéro 2, Pages 112-126
2026-07-01
The Role Of Bancassurance In Developing The Insurance Sector In Algeria
Authors : Djebli Khatir . Alkhalaf Riham .
Abstract
Bancassurance in Algeria represents a promising opportunity for integrating financial services by offering insurance products through bank branches. This model has enabled the establishment of strategic partnerships between banks and insurance companies, facilitating the distribution of various insurance products such as life, health, and property insurance. Supported by legislative frameworks like Law 04-06 and technological advancements, bancassurance can enhance the effectiveness of both the banking and insurance sectors. However, bancassurance faces challenges such as limited product offerings, low income levels, and negative perceptions of insurance companies. Addressing these issues through improved integration between banks and insurance companies, product diversification, and enhanced customer experience can contribute to the growth and success of bancassurance in Algeria.
Keywords
Insurance ; Banks, Bancassurance ; Insurance Products
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