2026年保险业的主要趋势

January 2026 Our insurance top trends span three interconnected imperatives Operational efficiency Technological innovation Distribution and engagement Thepace of innovation is intensifying as… Market dynamics are shifting rapidly… Insurers are struggling with… •Siloed dataandtraditional risk modelsthat slowdecisions and limit competitiveness•Surging costsas projected catastrophe losses riseby 5–7% and medical expenses by 10%+ in 20253,4 •As 67%of next-gen insurance customers preferphygital engagement over traditional channels1•With USD 83.5 Tnexpected to change hands by2048, opening new avenues for growth2 •88%of insurers are adopting hybrid cloud tomodernize their legacy IT infrastructure5•70%of insurers are increasing GenAI investmentsto future-proof against market disruptions6 …to tackle this, they’re focusing on… …meetingthese shifts requires… …sustainingthis momentum demands… •Orchestrating enterprise datafor real-time,intelligent insights•Implementing predictive analyticsto enhancerisk understanding•Creating collaborative workflowsto enabletransparency and faster decision making •Empowering agentswith actionable,data-driven insights•Partnering with ecosystem playersforembedded offerings•Offering modular policiestailored tocustomers’ lifestyles •Implementing cloud-native systemsto enhancescalability and innovation•Deploying AI at scaleto overcomefunctional silos …to unlock …to drive …to achieve •Policyholder satisfaction•Agent productivity•Cross-and up-sell opportunities •Faster time-to-market•Improveddecision making •Cost reduction•Streamlined operations•Improved service quality Our insurance top trends 2026–priority matrix Distribution and engagement Overview •Customers expect seamless, personalized experiences, which ispushing insurers to rethink their distribution approach.41% of P&Cinsurerssay reassessingdistribution strategyis key to unlockinggrowth and productivity.1 •Only8% of customers’ surplus fundsare allocated toincreasing lifeinsurance coverage, highlighting the untapped growth opportunityforrepositioning life insurancethrough morepersonalized,goal-based engagement strategiesthat connect protection tobroader financial aspirations.2 •43% of health insurers cite the underuse of preventive servicesas akey driver of medical costs. This underscores how critical personalizedengagement is in nudgingpreventive health behaviorand reducingoverall claim costsviaearly screening and treatment–transforminghealth insurers fromclaims payers to wellness partners.3,4 TrendCustomer centricity1 Personalized offerings, pricing, and experiences strengthen relationships with customers andaccelerate growth Evidence Opportunity Personalization empowers insurers to anticipateevolving customer needs. The pay-off?Loweredlapse rates and reduced churnthroughadaptive policies with customizable add-ons,plus timely policy upgradesthat are alignedto key life events and lifestyle needs. 60% Customers arewilling to share personal datafortailored, cost-effective coverage options,urging insurers to shift from static to personalized,data-driven pricing models.1 Background Insurers canelevate customer satisfactionand lifetime value through personalizedrisk assessmentsthat drive fair, competitivepremiums and faster claims settlement,powered by insights into customer behavior,lifestyle, and evolving risk profiles. Policyholders often see insurance as a set ofinterchangeable utilities, which raises theriskof commoditization for insurers.By offeringconsistent omnichannel experiences andpersonalized coverage that adapts to individualneeds, insurers can compete beyond just price. 60% Customers say theytrust insurers more whenthey’re offered a consistent, omnichannelexperience, reinforcing the importance ofseamless engagement across customer journeys.2 Yet, many carrierslack the integrated data,modern systems, and agent capabilitiestounlock intelligent decisioning that elevatescustomer relationships fromtransactionalto advisory, leaving them vulnerable tocompetitive displacement. 70% Insurers reportimproved customer retentionby integrating customer service insights acrossfunctions and departments,underscoring howpersonalized experiences drive loyalty and growth.3 TrendAgent / advisor engagement2 Digital tools and real-time insights empower agents to streamline customer onboarding andboost relationships Evidence Opportunity Policy retention and premium growthcan beenhanced by empowering agents withreal-timeanalytics and recommendation enginespowered by unified customer data, so they canleveragetargeted cross-sell/up-sell promptsanddeliver personalized product suggestions. 67% Consumers under 40 wantdigital access withdedicated advisor support, yet only16%ofinsurers offer integrated capabilities.1 Background Equipping agents withreal-time riskassessments, instant quoting, andcomprehensive financial planning toolscanincrease conversion rates and average policysizesthrough faster, more i