Comme les assurances mettent en œuvre divers modes de rémunération (remboursement, ristourne, participation aux bénéfices, rabais), aucune raison objective n'autorise à différencier le secteur des assurances de celui des banques et des services financiers.
However, insurance involves a variety of different types of payment (refunds, price reductions, profit sharing, discounts). There is therefore no objective justification for making a distinction between the insurance sector on the one hand and the banking and financial sector on the other.