凯捷保险2026年顶级趋势

Insurance January 2026 Our insurance top trends span three interconnected imperatives Technological innovation Distribution and engagement Market dynamics are shifting rapidly… •88%of insurers are adopting hybrid cloud tomodernize their legacy IT infrastructure5•70%of insurers are increasing GenAI investments •As 67%of next-gen insurance customers preferphygital engagement over traditional channels1•With USD 83.5 Tnexpected to change hands by •Implementing cloud-native systemsto enhancescalability and innovation •Faster time-to-market•Improveddecision making © Capgemini 2025. All rights reserved.© Capgemini 2026. All rights reserved.Public Information 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, •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–transforming TrendCustomer centricity1 Personalized offerings, pricing, and experiences strengthen relationships with customers and Evidence Opportunity Personalization empowers insurers to anticipateevolving customer needs. The pay-off?Loweredlapse rates and reduced churnthroughadaptive policies with customizable add-ons, 60% Customers arewilling to share personal datafortailored, cost-effective coverage options,urging insurers to shift from static to personalized, Background Insurers canelevate customer satisfactionand lifetime value through personalizedrisk assessmentsthat drive fair, competitivepremiums and faster claims settlement, Policyholders often see insurance as a set ofinterchangeable utilities, which raises theriskof commoditization for insurers.By offeringconsistent omnichannel experiences and 60% Customers say theytrust insurers more whenthey’re offered a consistent, omnichannelexperience, reinforcing the importance ofseamless engagement across customer journeys. Yet, many carrierslack the integrated data,modern systems, and agent capabilitiestounlock intelligent decisioning that elevatescustomer relationships fromtransactional 70% Insurers reportimproved customer retentionby integrating customer service insights acrossfunctions and departments, underscoring how TrendAgent / advisor engagement2 Digital tools and real-time insights empower agents to streamline customer onboarding and 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 prompts 67% Consumers under 40 wantdigital access withdedicated advisor support, yet only16%of Background Equipping agents withreal-time riskassessments, instant quoting, andcomprehensive financial planning toolscanincrease conversion rates and average policy Agents struggle withdisparate workflows andsiloed systemswhich lack real-time data feeds,forcing them to rely onmanual KYC checksand onboarding processes. These operational 65% Customers are likely toabandon interactionswhendata collection is cumbersome, highlighting theopportunity to empower agents withunified In increasingly competitive markets, carriers risklosing market share and revenue growthwhentheir agentscan’t match competitorswho areequipped todeliver instant quotes and 85% Agents viewuser-friendly agent and customerportalsas a key consideration when it comes tochoosing whichcarrier to work with.3 TrendOpening the youth segment3 Shifting from life insurance to insurance for living attracts younger generations and helps Evidence Opportunity Insurers cancapture market sharebyrepositioning living benefits as core valuepropositions within modular, flexible products. This approachenhances customer lifetimevalue, improves Net Promoter Scores, andtransforms insurance from a 'buy-and-forget' 32% Young individuals citelife insurance as misalignedwith their life stage.1 Background Connected data ecosystems and intelligentplatforms canreduce acquisition costsandaccommodate underserved segmentsbyproviding tailored financial guidance. Additionally, More than half of under 40s value life insuranceas essential for financial security, yetadoptionremains lowas younger consumersdemandfinancial tools that deliver immediate, tangible Individuals under 40seek living benefits like cashwithdrawals for life events, and health andwellness benefitsfrom insurers, signaling a risingdemand for insurance that delivers lifelong value.1 USD 83.5 Tn Although insurers offer these