{"id":9938,"date":"2023-12-07T18:28:32","date_gmt":"2023-12-07T17:28:32","guid":{"rendered":"https:\/\/apcal.lu\/the-life-insurance-industry-what-does-the-future-hold\/"},"modified":"2023-12-08T18:06:20","modified_gmt":"2023-12-08T17:06:20","slug":"the-life-insurance-industry-what-does-the-future-hold","status":"publish","type":"post","link":"https:\/\/apcal.lu\/en\/the-life-insurance-industry-what-does-the-future-hold\/","title":{"rendered":"The life insurance industry: What does the future hold?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”H1 – titre du post” _builder_version=”4.20.4″ _module_preset=”default” header_text_color=”#55547D” header_line_height=”1.2em” global_colors_info=”{}”]<\/p>\n

The life insurance sector: What does the future hold?<\/h1>\n

[\/et_pb_text][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2023\/10\/life_insurance_Ecom_banner.jpg” alt=”Lifepartners et la finance durable” title_text=”life_insurance_Ecom_banner” align=”center” _builder_version=”4.20.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.20.4″ _module_preset=”default” min_height=”899.7px” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Par Dieter Putzeys, Insurance Consulting Lead chez KPMG Luxembourg” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

By Dieter Putzeys, Insurance Consulting Lead at KPMG Luxembourg<\/a><\/h3>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” admin_label=”intro” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

espite changing consumer demographics, talent shortages and regulatory pressures, there are plenty of opportunities for growth in the life insurance industry. As life expectancy increases, customers are looking for policies that cover a longer lifespan. Younger generations today are also more open to taking out life insurance, and the Covid-19 pandemic undoubtedly highlighted the benefits of such policies.<\/p>\n

KPMG Luxembourg<\/a>\u2019s team of insurance experts looks at how the landscape might change in the future and what it will mean for insurance players.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Les clients recherchent de meilleures exp\u00e9riences de bout en bout” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Customers seek better end-to-end experiences<\/h4>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” admin_label=”r\u00e9ponse ” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

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Customers are becoming increasingly discerning and expect more touchpoints when considering whether to take out a life insurance policy. Multiple touchpoints (which include multi-channel interactions from sophisticated chat functions to in-person meetings with brokers) can allow them to fully grasp the benefits of specific products. Customers are also making decisions based on the overall customer experience (CX) insurers deliver, especially as other industries move to prioritize an enhanced CX. To become a provider of choice, insurers must focus on customer centricity and customer satisfaction.<\/p>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=”Des produits et des services plus innovants” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

More innovative products and services<\/h4>\n

[\/et_pb_text][et_pb_text ul_item_indent=”40px” admin_label=”r\u00e9ponse ” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” ul_font=”||||||||” quote_font=”||on||||||” quote_text_color=”#55547D” quote_font_size=”16px” header_font=”||||||||” header_2_font=”|||on|||||” header_2_line_height=”2em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||40px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

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As wealth management, life insurance and health insurance players converge, there is an opportunity for leading players to create products that offer end-to-end protection for customers of all ages and demographics. The result? A one-stop shop for customers and longstanding clients for insurers.<\/p>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=”La concurrence va s’intensifier” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Competition will intensify<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=”R\u00e9ponse” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

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Social media influencers and digitally savvy agents with significant online followings will increasingly challenge the status quo of the traditional broker model. Insurers will also have to deal with more competition in the shape of \u2018add-on\u2019 life insurance policies embedded into other solutions or products.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=”Le paysage r\u00e9glementaire en constante \u00e9volution” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

The ever-evolving regulatory landscape<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=”R\u00e9ponse” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

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As ESG becomes more important to investors and customers, the regulatory landscape will likely evolve in tandem. Insurers will probably be required to provide more detailed ESG reporting which will likely be standardized across the industry. . Data privacy regulations may also become more stringent, especially in light of how wearables and other devices gather and send personal data and health information.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=”La technologie au service des objectifs strat\u00e9giques” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Technology to advance strategic objectives<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=”R\u00e9ponse” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

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Insurers and distributors can generate more value for customers as they modernize their data architectures, allowing them to shift towards fully automated underwriting. AI will also become more prominent, transforming processes such as underwriting, claims processing and sales. What\u2019s more, it could potentially serve as an \u2018ethical gatekeeper\u2019 that reduces biases and discrimination in model assumptions. <\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=”Comment \u00e9volueront les mod\u00e8les d’entreprise dans le secteur de l’assurance-vie ?” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

How will business models in the life insurance industry evolve?<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=”R\u00e9ponse” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

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1. Embedded solutions will see companies \u2013 typically in the wealth and health sectors \u2013 build partnerships to offer complementary services that meet all their customers\u2019 needs (including life insurance). They will likely use various channels and marketplaces to reach new customers and offer fast, flexible services \u2013 especially to less affluent or younger customers who may be currently underserved in some parts of the market.<\/p>\n

2. Through continuous product development, life insurance players will bring new, in-demand products to market faster, as well as deliver pricing flexibility driven by better data quality and analysis.<\/p>\n

3. Insurers will look to offer enhanced value propositions and become more sophisticated in how they market their products and enhance their messaging. This includes educating their customers, enabling insurers to be a more integral part of financial planning conversations.<\/p>\n

4. Enhanced business models may be an option for some insurers looking to divest capital away from non-core, underperforming service lines and reinvest it into sustainable, higher-growth and core business segments. Some players will complement this approach by driving diversification through investments. Businesses will also explore cost efficiencies as well as consolidate operational capabilities and improve operating margins.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=”Les cl\u00e9s de la r\u00e9ussite” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Keys to success<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=”R\u00e9ponse” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

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To stay ahead of the game, insurance players need to move quickly and strategically to implement the necessary changes that will lead to an enhanced CX aligned with these evolving expectations.<\/p>\n

In order to build critical mass to give more added value to their clients and partners, insurers need to use outside-the-box thinking and keep a sharp eye on potential M&A opportunities.<\/p>\n

Ultimately, this means that the future front-runners in the insurance industry need to work backwards from long-term goals, breaking down specific tangible business objectives into smaller projects with big impact.<\/p>\n

It is crucial for insurers to remain agile. Significant change comes with learning opportunities, and the companies that will be the most successful are those that implement strategic plans. They must, however, be prepared to do so imperfectly, failing fast, learning from mistakes and adjusting course as necessary.<\/p>\n

Last but not least, life insurance companies must not forget the importance of human interaction. Although technology is become increasingly embedded in insurers\u2019 operations, the human factor remains vital.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=”Vous souhaitez transformer votre entreprise et cr\u00e9er un environnement propice \u00e0 la gestion du changement ?” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Are you looking to transform your business and successfully create an environment for managing ongoing change?<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=”R\u00e9ponse” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

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The future starts today! Reach out to KPMG<\/a>\u2019s team of industry experts who can help you on your optimization journey, ensuring you always keep clients at the heart of your business as well as manage enterprise risk and regulation every step of the way.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=”Notre Expert” _builder_version=”4.20.4″ _module_preset=”default” text_line_height=”1.8em” header_font=”||||||||” header_2_font=”|||on|||||” header_2_text_color=”#C2974C” header_2_line_height=”1.3em” header_3_text_color=”#C2974C” header_3_font_size=”20px” header_3_line_height=”1.4em” custom_margin=”||20px||false|false” border_color_bottom=”#7886A2″ global_colors_info=”{}”]<\/p>\n

Our expert<\/h4>\n

[\/et_pb_text][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2023\/10\/Dieter-Putzeys-scaled.jpg” alt=”Mandarine” title_text=”Dieter Putzeys” url=”https:\/\/www.edmond-de-rothschild.com\/fr\/asset-management\/presentation” align=”center” admin_label=”Image Dieter Putsey” _builder_version=”4.20.4″ _module_preset=”default” width=”50%” max_width=”50%” global_colors_info=”{}”][\/et_pb_image][et_pb_team_member name=”Dieter Putzeys” position=”Insurance Consulting Lead at KPMG Luxembourg” linkedin_url=”https:\/\/www.linkedin.com\/in\/dieter-putzeys-6bb66128\/” _builder_version=”4.20.4″ _module_preset=”default” text_orientation=”center” global_colors_info=”{}”][\/et_pb_team_member][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”ID Entreprise” _builder_version=”4.20.4″ _module_preset=”default” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” global_module=”7130″ saved_tabs=”all” global_colors_info=”{}”][et_pb_row _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Sponsors Platinium” _builder_version=”4.20.4″ _module_preset=”default” header_3_font=”|600|||||||” header_3_text_align=”center” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”]<\/p>\n

Sponsors Platinium<\/h3>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ admin_label=”Partners” _builder_version=”4.17.3″ _module_preset=”default” module_alignment=”center” custom_margin=”10px||70px||false|false” custom_padding=”40px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/bda.png” alt=”BDA” url=”https:\/\/www.bda-globalservices.com” align=”center” admin_label=”Sogelife” _builder_version=”4.20.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2023\/03\/bil.png” alt=”Bil” url=”https:\/\/www.bil.com\/fr\/” align=”center” admin_label=”Bil” _builder_version=”4.20.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/lombard-international-assurance.png” alt=”Logo” url=”https:\/\/www.lombardinternational.com\/” align=”center” admin_label=”Lombard” _builder_version=”4.20.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/sogelife.png” alt=”Sogelife 2023″ url=”https:\/\/www.sogelife.com\/fr\/” align=”center” admin_label=”Sogelife” _builder_version=”4.20.4″ _module_preset=”default” border_radii=”on|5px|5px|5px|5px” box_shadow_style=”preset3″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” module_alignment=”center” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Gold” _builder_version=”4.16″ _module_preset=”default” header_3_font=”|600|||||||” header_3_text_align=”center” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”]<\/p>\n

Sponsors Gold<\/h3>\n

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Sponsors Silver<\/h3>\n

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