Single User License
INR 132932
Site License
INR 265863
Corporate User License
INR 398795

Service Tax Additional

select a format
Price

Single User License
USD 1950
Site License
USD 3900
Corporate User License
USD 5850

Alternatively

Request a quote
Request a Customized research
Request for Sample Report





Recent Viewed Reports


Why Ken Reasearch?


Testimonials

While we still are studying and analysing your reports about Vietnam & Thailand, we would like to convey to your research team that they have done a very good job in compiling so much of information together. We hope to see more of such well researched reports. All the best & keep it up. ... "Prashant Bhagwat,General Manager, Mahindra"

We would like to appreciate Ken Research for their great efforts and wonderful support in providing the Market Intelligence Report for ITPC. The information, statistics and research are well understandable and very clear to the point. We are happy with Ken research for their good client service, on-time delivery of the report and as said the report itself. Thank you Ken research for bringing the valuable output for us. We would be looking forward to have more research with you in the near future. Wish you a success in your business!... "Jestin Mathew, Indonesian Trade Promotion Center"

The Report was very interesting and useful for me... "Marketing Manager, Western Union Business Solutions"

Ken Research completed the report successfully with tough deadline and large requirement. Really appreciate it... "Sales Manager, Largest India Aesthetic Laser Manufacturer"

We found the report really useful in understanding the complex Indian market and it provided lots of high quality insights. On the basis of this we commissioned Ken to produce a bespoke follow up to answer some specific questions about our market. This is now being used to help develop our marketing and sales strategy. We were very pleased with the comprehensive coverage, detail provided and actionable insights.... "Owner, Therefore Consulting UK"


Personal Accident and Health Insurance in Canada, Key Trends and Opportunities to 2019

Personal Accident and Health Insurance in Canada, Key Trends and Opportunities to 2019


  Request for Sample Report

Executive Summary

Timetric's 'Personal Accident and Health Insurance in the Canada, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers, challenges in the Canadian personal accident and health insurance segment.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (2010-2014) and forecast period (2014-2019).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the Canadian economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric's research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary

Timetric's ' Personal Accident and Health Insurance in Canada, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into Canadian personal accident and health insurance segment, including:

Canadian personal accident and health insurance segment's growth prospects by insurance category

Key trends, drivers and challenges for the personal accident and health insurance segment

A comprehensive overview of the Canadian economy and demographics

Analysis of distribution channels in the Canadian personal accident and health insurance segment

The competitive landscape in the Canadian personal accident and health insurance segment

Details of regulatory policy applicable to the Canadian insurance industry

Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in Canada:

It provides historical values for the Canadian personal accident and health insurance segment for the report's 2010-2014 review period, and projected figures for the 2014-2019 forecast period.

It offers a detailed analysis of the key categories in the Canadian personal accident and health insurance segment, and market forecasts to 2019.

Analysis of various distribution channels for personal accident and health insurance products in Canada.

It profiles the top personal accident and health insurance companies in Canada, and outlines the key regulations affecting them.

Reasons To Buy

Make strategic business decisions using in-depth historic and forecast market data related to the Canadian personal accident and health insurance segment, and each category within it.

Understand the demand-side dynamics, key market trends and growth opportunities in the Canadian personal accident and health insurance segment.

Assess the competitive dynamics in the personal accident and health insurance segment.

Identify growth opportunities and market dynamics in key product categories.

Gain insights into key regulations governing the Canadian insurance industry, and their impact on companies and the industry's future.

Key Highlights

Personal accident and health insurance accounted for 22.1% of the Canadian insurance industry's gross written premium in 2014.

This segment recorded a review-period CAGR of 5.6%.

The health insurance category accounted for 95.9% of the segment's gross written premium in 2014, followed by personal accident insurance.

Personal accident and health insurance's low penetration, which stood at 1.1% in 2014, indicates a potential opportunity for private insurers.

Canada has a large aging population, with the proportion of the population aged 65 and above rising from 15.5% in 2010 to 17.3% in 2014.

1 Key Facts and Highlights

2 Executive Summary

3 Introduction

3.1 What is this Report About?

3.2 Definitions

3.3 Methodology

4 Economy and Demographics

5 Personal Accident and Health Insurance Segment Outlook

5.1 Key Drivers

5.2 Key Trends

5.3 Challenges

5.4 Personal Accident and Health Insurance Growth Prospects by Category

5.4.1 Personal accident insurance

5.4.2 Health insurance

6 Analysis by Distribution Channel

7 Competitive Landscape and Strategic Insights

7.1 Overview

7.2 Leading Companies in the Canadian Personal Accident and Health Insurance Segment

7.2.1 Manulife Financial Corporation - company overview

7.2.2 The Great-West Life Assurance Company - company overview

7.2.3 Sun Life Financial Inc. - company overview

7.2.4 The Standard Life Assurance Company of Canada - company overview

7.2.5 RBC Life Insurance Company - company overview

7.2.6 Co-operators Life Insurance Company - company overview

7.2.7 BMO Life Insurance Company - company overview

7.2.8 The Empire Life Insurance Company - company overview

7.2.9 Transamerica Life Canada - company overview

7.2.10 The Equitable Life Insurance Company of Canada - company overview

8 Governance, Risk and Compliance

8.1 Legislation Overview and Historical Evolution

8.2 Latest Changes in Regulations

8.3 Legislation and Market Practice by Type of Insurance

8.3.1 Life insurance

8.3.2 Property insurance

8.3.3 Motor insurance

8.3.4 Liability insurance

8.3.5 Marine, aviation and transit insurance

8.3.6 Personal accident and health insurance

8.4 Compulsory Insurance

8.4.1 Motor third-party liability insurance

8.4.2 Marine liability insurance

8.4.3 Workmen's compensation

8.4.4 Aviation liability insurance

8.5 Supervision and Control

8.5.1 International Association of Insurance Supervisors

8.5.2 Office of the Superintendent of Financial Institutions Canada

8.5.3 Canadian Council of Insurance Regulators

8.5.4 Canadian Life and Health Insurance Association Inc.

8.5.5 Insurance Bureau of Canada

8.6 Non-Admitted Insurance Regulations

8.6.1 Overview

8.6.2 Intermediaries

8.6.3 Market practices

8.6.4 Fines and penalties

8.7 Company Registration and Operations

8.7.1 Types of insurance organization

8.7.2 Establishing a local company

8.7.3 Foreign ownership

8.7.4 Types of license

8.7.5 Capital requirements

8.7.6 Solvency margins

8.7.7 Reserve requirements

8.7.8 Investment regulations

8.7.9 Statutory return requirements

8.7.10 Fee structure

8.8 Taxation

8.8.1 Insurance premium or policy taxation

8.8.2 Withholding taxes on premium paid overseas

8.8.3 Corporate tax

8.8.4 VAT

8.8.5 Captives

8.9 Legal System

8.9.1 Introduction

8.9.2 Access to court

8.9.3 Alternative dispute resolution

9 Appendix

9.1 Methodology

9.2 Contact Timetric

9.3 About Timetric

9.4 Timetric's Services

9.5 Disclaimer

Figure 1: Canadian Real GDP (CAD Billion), 2010-2019

Figure 2: CAD - US$ Exchange Rate, 2010-2019

Figure 3: Canadian Consumer Price Inflation, 2010-2019

Figure 4: Canadian Current Account Balance as Percentage of GDP (%), 2010-2019

Figure 5: Canadian Unemployment Rate, 2010-2019

Figure 6: Canadian Population by Age Group, 1991-2025

Figure 7: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (CAD Billion), 2010-2019

Figure 8: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2014 and 2019

Figure 9: Canadian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019

Figure 10: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (CAD Billion), 2010-2019

Figure 11: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (Percentage Share), 2014 and 2019

Figure 12: Canadian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019

Figure 13: Canadian Personal Accident and Health Insurance - Net Earned Premium (CAD Billion), 2010-2014

Figure 14: Canadian Personal Accident and Health Insurance - Net Earned Premium (CAD Billion), 2014-2019

Figure 15: Canadian Personal Accident and Health Insurance - Paid Claims by Category (CAD Billion), 2010-2019

Figure 16: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (CAD Billion), 2010-2019

Figure 17: Canadian Personal Accident and Health Insurance - Net Written Premium by Category (CAD Billion), 2010-2019

Figure 18: Canadian Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014

Figure 19: Canadian Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019

Figure 20: Canadian Personal Accident and Health Insurance - Commission and Expenses (CAD Billion), 2010-2014

Figure 21: Canadian Personal Accident and Health Insurance - Commission and Expenses (CAD Billion), 2014-2019

Figure 22: Canadian Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014

Figure 23: Canadian Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019

Figure 24: Canadian Personal Accident and Health Insurance - Number of Policies Per Capita, 2010-2014

Figure 25: Canadian Personal Accident and Health Insurance - Number of Policies Per Capita, 2014-2019

Figure 26: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2010-2014

Figure 27: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2014-2019

Figure 28: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2010-2014

Figure 29: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2014-2019

Figure 30: Canadian Personal Accident and Health Insurance - Net Written Premium (% of GWP), 2010-2014

Figure 31: Canadian Personal Accident and Health Insurance - Net Written Premium (% of GWP), 2014-2019

Figure 32: Canadian Personal Accident and Health Insurance - Investment Portfolio (CAD Billion), 2010-2014

Figure 33: Canadian Personal Accident and Health Insurance - Investment Portfolio (% Share), 2010 and 2014

Figure 34: Canadian Personal Accident and Health Insurance Penetration (%), 2010-2014

Figure 35: Canadian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2010-2014

Figure 36: Canadian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2014-2019

Figure 37: Canadian Personal Accident and Health Insurance - Density (Direct Premium per Capita), 2010-2014

Figure 38: Canadian Personal Accident Insurance - Number of Policies Sold (Thousand), 2010-2014

Figure 39: Canadian Personal Accident Insurance - Number of Policies Sold (Thousand), 2014-2019

Figure 40: Canadian Personal Accident Insurance - Direct Written Premium (CAD Billion), 2010-2014

Figure 41: Canadian Personal Accident Insurance - Direct Written Premium (CAD Billion), 2014-2019

Figure 42: Canadian Personal Accident Insurance - Loss Ratio (%), 2010-2014

Figure 43: Canadian Personal Accident Insurance - Loss Ratio (%), 2014-2019

Figure 44: Canadian Health Insurance - Number of Policies Sold (Thousand), 2010-2014

Figure 45: Canadian Health Insurance - Number of Policies Sold (Thousand), 2014-2019

Figure 46: Canadian Health Insurance - Direct Written Premium (CAD Billion), 2010-2014

Figure 47: Canadian Health Insurance - Direct Written Premium (CAD Billion), 2014-2019

Figure 48: Canadian Health Insurance - Paid Claims (CAD Billion), 2010-2014

Figure 49: Canadian Health Insurance - Paid Claims (CAD Million), 2014-2019

Figure 50: Canadian Health Insurance - Loss Ratio (%), 2010-2014

Figure 51: Canadian Health Insurance - Loss Ratio (%), 2014-2019

Figure 52: Canadian Health Insurance - Net Written Premium (CAD Million), 2010-2014

Figure 53: Canadian Health Insurance - Net Written Premium (CAD Billion), 2014-2019

Figure 54: Canadian Personal Accident and Health Insurance - Sales Force, 2010-2014

Figure 55: Canadian Personal Accident and Health Insurance - Sales Force, 2014-2019

Figure 56: Canadian Personal Accident and Health Insurance - Number of Banking Entities, 2010-2014

Figure 57: Canadian Personal Accident and Health Insurance - Number of Banking Entities, 2014-2019

Figure 58: Canadian Personal Accident and Health Insurance - Number of Insurance Agents, 2010-2014

Figure 59: Canadian Personal Accident and Health Insurance - Number of Insurance Agents, 2014-2019

Figure 60: Canadian Personal Accident and Health Insurance - Number of Insurance Brokers, 2010-2014

Figure 61: Canadian Personal Accident and Health Insurance - Number of Insurance Brokers, 2014-2019

Figure 62: Canada - Insurance Supervision and Control at Various Levels

Figure 63: Canada - Insurance Regulatory Frameworks for Company Registration and Operation

Figure 64: Canada - Solvency Framework in Different Provinces and Territories

Figure 65: Canada - Judiciary System

Table 1: Canadian Personal Accident and Health Insurance - Key Facts, 2014

Table 2: Insurance Industry Definitions

Table 3: Canadian Government Credit Ratings

Table 4: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (CAD Billion), 2010-2014

Table 5: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2010-2014

Table 6: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (CAD Billion), 2014-2019

Table 7: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2014-2019

Table 8: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (CAD Billion), 2010-2014

Table 9: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2010-2014

Table 10: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (CAD Billion), 2014-2019

Table 11: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2014-2019

Table 12: Canadian Personal Accident and Health Insurance - Net Earned Premium (CAD Billion), 2010-2014

Table 13: Canadian Personal Accident and Health Insurance - Net Earned Premium (CAD Billion), 2014-2019

Table 14: Canadian Personal Accident and Health Insurance - Paid Claims by Category (CAD Billion), 2010-2014

Table 15: Canadian Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2010-2014

Table 16: Canadian Personal Accident and Health Insurance - Paid Claims by Category (CAD Billion), 2014-2019

Table 17: Canadian Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2014-2019

Table 18: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (CAD Billion), 2010-2014

Table 19: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2010-2014

Table 20: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (CAD Billion), 2014-2019

Table 21: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2014-2019

Table 22: Canadian Personal Accident and Health Insurance - Net Written Premium by Category (CAD Billion), 2010-2014

Table 23: Canadian Personal Accident and Health Insurance - Net Written Premium by Category (US$ Billion), 2010-2014

Table 24: Canadian Personal Accident and Health Insurance - Net Written Premium by Category (CAD Billion), 2014-2019

Table 25: Canadian Personal Accident and Health Insurance - Net Written Premium by Category (US$ Billion), 2014-2019

Table 26: Canadian Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014

Table 27: Canadian Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019

Table 28: Canadian Personal Accident and Health Insurance - Commission and Expenses (CAD Billion), 2010-2014

Table 29: Canadian Personal Accident and Health Insurance - Commission and Expenses (CAD Billion), 2014-2019

Table 30: Canadian Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014

Table 31: Canadian Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019

Table 32: Canadian Personal Accident and Health Insurance - Number of Policies Per Capita, 2010-2014

Table 33: Canadian Personal Accident and Health Insurance - Number of Policies Per Capita, 2014-2019

Table 34: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2010-2014

Table 35: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2014-2019

Table 36: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2010-2014

Table 37: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2014-2019

Table 38: Canadian Personal Accident and Health Insurance - Net Written Premium (% of GWP), 2010-2014

Table 39: Canadian Personal Accident and Health Insurance - Net Written Premium (% of GWP), 2014-2019

Table 40: Canadian Personal Accident Insurance - Number of Policies Sold (Thousand), 2010-2014

Table 41: Canadian Personal Accident Insurance - Number of Policies Sold (Thousand), 2014-2019

Table 42: Canadian Personal Accident Insurance - Direct Written Premium (CAD Billion), 2010-2014

Table 43: Canadian Personal Accident Insurance - Direct Written Premium (CAD Billion), 2014-2019

Table 44: Canadian Personal Accident Insurance - Loss Ratio (%), 2010-2014

Table 45: Canadian Personal Accident Insurance - Loss Ratio (%), 2014-2019

Table 46: Canadian Health Insurance - Gross Written Premium by Sub-Category (CAD Billion), 2010-2014

Table 47: Canadian Health Insurance - Gross Written Premium by Sub-Category (US$ Billion), 2010-2014

Table 48: Canadian Health Insurance - Gross Written Premium by Sub-Category (CAD Billion), 2014-2019

Table 49: Canadian Health Insurance - Gross Written Premium by Sub-Category (US$ Billion), 2014-2019

Table 50: Canadian Health Insurance - Number of Policies Sold (Thousand), 2010-2014

Table 51: Canadian Health Insurance - Number of Policies Sold (Thousand), 2014-2019

Table 52: Canadian Health Insurance - Direct Written Premium (CAD Billion), 2010-2014

Table 53: Canadian Health Insurance - Direct Written Premium (CAD Billion), 2014-2019

Table 54: Canadian Health Insurance - Paid Claims (CAD Billion), 2010-2014

Table 55: Canadian Health Insurance - Paid Claims (CAD Million), 2014-2019

Table 56: Canadian Health Insurance - Loss Ratio (%), 2010-2014

Table 57: Canadian Health Insurance - Loss Ratio (%), 2014-2019

Table 58: Canadian Health Insurance - Net Written Premium (CAD Million), 2010-2014

Table 59: Canadian Health Insurance - Net Written Premium (CAD Billion), 2014-2019

Table 60: Canadian Personal Accident and Health Insurance - Sales Force, 2010-2014

Table 61: Canadian Personal Accident and Health Insurance - Sales Force, 2014-2019

Table 62: Canadian Personal Accident and Health Insurance - Number of Banking Entities, 2010-2014

Table 63: Canadian Personal Accident and Health Insurance - Number of Banking Entities, 2014-2019

Table 64: Canadian Personal Accident and Health Insurance - Number of Insurance Agents, 2010-2014

Table 65: Canadian Personal Accident and Health Insurance - Number of Insurance Agents, 2014-2019

Table 66: Canadian Personal Accident and Health Insurance - Number of Insurance Brokers, 2010-2014

Table 67: Canadian Personal Accident and Health Insurance - Number of Insurance Brokers, 2014-2019

Table 68: Leading Companies in Canadian Personal Accident and Health Insurance Segment, 2014

Table 69: Manulife Financial Corporation - Key Facts

Table 70: Manulife Financial Corporation - Key Financials (CAD Million), 2010-2014

Table 71: The Great-West Life Assurance Company - Key Facts

Table 72: The Great-West Life Assurance Company - Key Financials (CAD Million), 2010-2014

Table 73: Sun Life Financial Inc. - Key Facts

Table 74: Sun Life Financial Inc. - Key Financials (CAD Million), 2010-2014

Table 75: The Standard Life Assurance Company of Canada - Key Facts

Table 76: The Standard Life Assurance Company of Canada - Key Financials (CAD Million), 2010-2014

Table 77: RBC Life Insurance Company - Key Facts

Table 78: RBC Life Insurance Company - Key Financials (CAD Million), 2010-2014

Table 79: Co-operators Life Insurance Company - Key Facts

Table 80: Co-operators Life Insurance Company - Key Financials (CAD Million), 2010-2014

Table 81: BMO Life Insurance Company - Key Facts

Table 82: BMO Life Insurance Company - Key Financials (CAD Million), 2010-2014

Table 83: The Empire Life Insurance Company - Key Facts

Table 84: The Empire Life Insurance Company - Key Financials (CAD Million), 2010-2014

Table 85: Transamerica Life Canada - Key Facts

Table 86: Transamerica Life Canada - Key Financials (CAD Million), 2010-2014

Table 87: The Equitable Life Insurance Company of Canada - Key Facts

Table 88: The Equitable Life Insurance Company of Canada - Key Financials (CAD Million), 2010-2014

Table 89: Canada - Insurance Regulatory Framework Key Features

Table 90: Canada - Life Insurance Regulatory Framework

Table 91: Canada - Property Insurance Regulatory Framework

Table 92: Canada - Motor Insurance Regulatory Framework

Table 93: Canada - Liability Insurance Regulatory Framework

Table 94: Canada - Legislations Governing Automobile Insurance in Each Province and Territory

Table 95: Canada - Workmen's Compensation

Table 96: Canada - Minimum Cover for Aircraft Public Liability Per Accident Per Aircraft

Table 97: Canada - Minimum Cover for Single-Limit Aircraft Liability Per Accident Per Aircraft

Table 98: Canada - Non-Admitted Insurance Regulatory Framework

Table 99: Canada - Capital Requirement for Insurers in Each Province and Territory

Table 100: Canada - Solvency Margin Requirements for Federally Regulated Insurance Companies

Table 101: Canada - Insurance Premium Taxation

Table 102: Canada - Corporate Tax Rates for the Financial Year 2015

Single User License:
The report will be emailed to you. The report is sent in PDF format, allowing one specific user access to the product.

Site Licence:
The report will be emailed to you. The report is sent in PDF format, allowing all users within a given geographical location of your organisation access to the product.

Corporate User License:
The report will be emailed to you. The report is sent in PDF format, allowing all employees within your organisation access to the product.

To know more information on Purchase by Section, please send a mail to query [@] kenresearch.com
 

Manulife Financial Corporation

The Great-West Life Assurance Company

Sun Life Financial Inc.

The Standard Life Assurance Company of Canada

RBC Life Insurance Company

Co-operators Life Insurance Company

BMO Life Insurance Company

The Empire Life Insurance Company

Transamerica Life Canada

The Equitable Life Insurance Company of Canada

Personal accident and health insurance

Personal accident insurance

Travel insurance

Health insurance

Non-life health insurance

Life health insurance

Economy and Demographic

Distribution channels

Direct Marketing

Agencies

E-commerce

Bancassurance

Brokers

Leading companies

Legislation

Compulsory insurance

Supervision and control

Non-admitted insurance

Types of insurance organization


Ken Research Pvt. Ltd. 27A, Tower B-2, Spaze I Tech Business Park, Sohna Road, sector 49
     Gurgaon, Haryana - 122001, India
+91 1244230204

download

Company Brochure

Engage with Us

query [@] kenresearch.com