The insurance industry uses just 20 percent of the potential of mobile apps to better serve clients and increase market appeal, according to a new report from research company MyPrivateBanking. For its report, "Mobile Apps for Insurance 2012" the firm analyzed user-friendliness, quality of the content, functionality and integration of other media of the mobile applications of the 30 large insurance companies worldwide. More than 70 insurance apps were analyzed according to 35 criteria and across the business segments of auto, health and life/pensions insurance.

The top-ranked insurers, based on a 100-point scale, are:

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