{"id":8642,"date":"2023-10-23T13:29:51","date_gmt":"2023-10-23T11:29:51","guid":{"rendered":"https:\/\/apcal.lu\/fr\/?p=8642"},"modified":"2023-10-31T09:25:39","modified_gmt":"2023-10-31T08:25:39","slug":"le-secteur-de-lassurance-vie-que-nous-reserve-lavenir","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/le-secteur-de-lassurance-vie-que-nous-reserve-lavenir\/","title":{"rendered":"Le secteur de l’assurance-vie : Que nous r\u00e9serve l’avenir ?"},"content":{"rendered":"

[et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbH1 – titre du post\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_color=\u00a0\u00bb#55547D\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Le secteur de l’assurance-vie : Que nous r\u00e9serve l’avenir ?<\/h1>\n

[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/10\/life_insurance_Ecom_banner.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners et la finance durable\u00a0\u00bb title_text=\u00a0\u00bblife_insurance_Ecom_banner\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb899.7px\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbPar Dieter Putzeys, Insurance Consulting Lead chez KPMG Luxembourg\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Par Dieter Putzeys, Insurance Consulting Lead chez KPMG Luxembourg<\/a><\/h3>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbintro\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Malgr\u00e9 l’\u00e9volution d\u00e9mographique des consommateurs, la p\u00e9nurie de talents et les pressions r\u00e9glementaires, le secteur de l’assurance-vie offre de nombreuses possibilit\u00e9s de croissance. Avec l’allongement de l’esp\u00e9rance de vie, les clients recherchent des polices d’assurance qui couvrent une dur\u00e9e de vie plus longue. Les jeunes g\u00e9n\u00e9rations d’aujourd’hui sont \u00e9galement plus ouvertes \u00e0 la souscription d’une assurance-vie, et la pand\u00e9mie du Coronavirus (Covid 19) a sans aucun doute mis en \u00e9vidence les avantages de ce type de polices.<\/p>\n

L’\u00e9quipe d’experts en assurance de KPMG Luxembourg<\/a> examine comment le paysage pourrait changer \u00e0 l’avenir et ce que cela signifiera pour les acteurs de l’assurance.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLes clients recherchent de meilleures exp\u00e9riences de bout en bout\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Les clients recherchent de meilleures exp\u00e9riences de bout en bout<\/h4>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbr\u00e9ponse \u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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Les clients sont de plus en plus exigeants et attendent davantage de points de contact lorsqu’ils envisagent de souscrire \u00e0 une police d’assurance-vie. Ces points de contact multiples (qui incluent des interactions multicanal, depuis les fonctions de chat sophistiqu\u00e9es jusqu’aux r\u00e9unions en personne avec les courtiers) peuvent leur permettre de comprendre pleinement les avantages de produits sp\u00e9cifiques. Les clients prennent \u00e9galement leurs d\u00e9cisions en fonction de l’exp\u00e9rience client globale offerte par les assureurs, d’autant plus que d’autres secteurs d’activit\u00e9 accordent la priorit\u00e9 \u00e0 l’am\u00e9lioration de l’exp\u00e9rience client. Pour devenir un fournisseur de choix, les assureurs doivent se focaliser sur le client et son degr\u00e9 de satisfaction.<\/p>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbDes produits et des services plus innovants\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Des produits et des services plus innovants<\/h4>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb admin_label=\u00a0\u00bbr\u00e9ponse \u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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La convergence des acteurs de la gestion de patrimoine, de l’assurance-vie et de l’assurance-maladie donne l’occasion aux principaux acteurs de cr\u00e9er des produits qui offrent une protection compl\u00e8te aux clients de tous \u00e2ges et de toutes segmentations d\u00e9mographiques. Le r\u00e9sultat ? Un guichet unique pour les clients et des clients de longue date pour les assureurs.<\/p>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLa concurrence va s’intensifier\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

La concurrence va s’intensifier<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbR\u00e9ponse\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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Les influenceurs des m\u00e9dias sociaux et les agents qui ont le sens du num\u00e9rique et qui sont tr\u00e8s suivis en ligne remettront de plus en plus en question le statu quo du mod\u00e8le traditionnel du courtier. Les assureurs devront \u00e9galement faire face \u00e0 une concurrence accrue sous la forme de polices d’assurance-vie \u00ab\u00a0compl\u00e9mentaires\u00a0\u00bb int\u00e9gr\u00e9es \u00e0 d’autres solutions ou produits.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLe paysage r\u00e9glementaire en constante \u00e9volution\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Le paysage r\u00e9glementaire en constante \u00e9volution<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbR\u00e9ponse\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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Les investisseurs et les clients accordant de plus en plus d’importance \u00e0 l’ESG, le paysage r\u00e9glementaire \u00e9voluera \u00e9galement en parall\u00e8le. Les assureurs seront probablement tenus de fournir des rapports ESG plus d\u00e9taill\u00e9s, qui seront vraisemblablement normalis\u00e9s dans l’ensemble du secteur. Les r\u00e9glementations en mati\u00e8re de confidentialit\u00e9 des donn\u00e9es pourraient de m\u00eame devenir plus strictes, en particulier \u00e0 la lumi\u00e8re de la mani\u00e8re dont les dispositifs mobiles (smartwatch, moniteur d’activit\u00e9) et autres appareils recueillent et envoient des donn\u00e9es personnelles et des informations sur la sant\u00e9.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLa technologie au service des objectifs strat\u00e9giques\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

La technologie au service des objectifs strat\u00e9giques<\/h4>\n

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Les assureurs et les distributeurs peuvent g\u00e9n\u00e9rer plus de valeur pour les clients lorsqu’ils modernisent leurs architectures de donn\u00e9es, ce qui leur permet de passer \u00e0 une souscription enti\u00e8rement automatis\u00e9e. L’IA gagnera \u00e9galement en importance, transformant des processus tels que la souscription, le traitement des sinistres et les ventes. De plus, elle pourrait potentiellement servir de \u00ab\u00a0gardien \u00e9thique\u00a0\u00bb qui r\u00e9duirait les biais et la discrimination dans les hypoth\u00e8ses des mod\u00e8les. <\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbComment \u00e9volueront les mod\u00e8les d’entreprise dans le secteur de l’assurance-vie ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Comment \u00e9volueront les mod\u00e8les d’entreprise dans le secteur de l’assurance-vie ?<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbR\u00e9ponse\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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1. Les solutions int\u00e9gr\u00e9es verront les entreprises – g\u00e9n\u00e9ralement dans les secteurs du patrimoine et de la sant\u00e9 – \u00e9tablir des partenariats pour offrir des services compl\u00e9mentaires qui r\u00e9pondent \u00e0 tous les besoins de leurs clients (y compris l’assurance-vie). Elles utiliseront probablement divers canaux et places de march\u00e9 pour atteindre de nouveaux clients et offrir des services rapides et flexibles, en particulier aux clients moins fortun\u00e9s ou plus jeunes qui peuvent \u00eatre actuellement d\u00e9favoris\u00e9s dans certaines parties du march\u00e9.<\/p>\n

2. Gr\u00e2ce \u00e0 un d\u00e9veloppement continu des produits, les acteurs de l’assurance-vie mettront plus rapidement sur le march\u00e9 de nouveaux produits tr\u00e8s demand\u00e9s et offriront une flexibilit\u00e9 tarifaire gr\u00e2ce \u00e0 une meilleure qualit\u00e9 et \u00e0 une meilleure analyse des donn\u00e9es.<\/p>\n

3. Les assureurs chercheront \u00e0 offrir des propositions de valeur am\u00e9lior\u00e9es et deviendront plus sophistiqu\u00e9s dans la mani\u00e8re dont ils commercialisent leurs produits et am\u00e9liorent leurs messages. Il s’agira notamment d’\u00e9duquer leurs clients, ce qui permettra aux assureurs de faire davantage partie int\u00e9grante des conversations relatives \u00e0 la planification financi\u00e8re.<\/p>\n

4. L’am\u00e9lioration des mod\u00e8les d’entreprise peut \u00eatre une option pour certains assureurs qui cherchent \u00e0 r\u00e9duire leurs investissements dans des lignes de services non essentielles qui enregistrent un rendement inf\u00e9rieur pour les r\u00e9investir dans des segments d’activit\u00e9 durables, \u00e0 plus forte croissance et essentiels. Certains acteurs compl\u00e9teront cette approche en favorisant la diversification par le biais d’investissements. Les entreprises chercheront \u00e9galement \u00e0 r\u00e9duire leurs co\u00fbts, \u00e0 consolider leurs capacit\u00e9s op\u00e9rationnelles et \u00e0 am\u00e9liorer leurs marges d’exploitation.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbLes cl\u00e9s de la r\u00e9ussite\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Les cl\u00e9s de la r\u00e9ussite<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbR\u00e9ponse\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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Pour garder une longueur d’avance, les acteurs de l’assurance doivent agir rapidement et strat\u00e9giquement pour mettre en \u0153uvre les changements n\u00e9cessaires qui conduiront \u00e0 un CX am\u00e9lior\u00e9, align\u00e9 sur ces attentes en \u00e9volution.<\/p>\n

Afin d’atteindre une masse critique permettant d’apporter une plus grande valeur ajout\u00e9e \u00e0 leurs clients et partenaires, les assureurs doivent sortir des sentiers battus et rester attentifs aux possibilit\u00e9s de fusions et d’acquisitions.<\/p>\n

En fin de compte, cela signifie que les futurs leaders du secteur de l’assurance doivent travailler \u00e0 rebours des objectifs \u00e0 long terme, en d\u00e9composant les objectifs commerciaux sp\u00e9cifiques et tangibles en projets plus petits ayant un impact important.<\/p>\n

Il est essentiel pour les assureurs de rester agiles. Les changements majeurs s’accompagnent de possibilit\u00e9s d’apprentissage, et les entreprises qui r\u00e9ussiront le mieux sont celles qui mettent en \u0153uvre des plans strat\u00e9giques. Elles doivent cependant \u00eatre pr\u00eates \u00e0 le faire de mani\u00e8re imparfaite, en \u00e9chouant rapidement, en tirant les le\u00e7ons de leurs erreurs et en rectifiant le tir si n\u00e9cessaire.<\/p>\n

Enfin, les compagnies d’assurance-vie ne doivent pas oublier l’importance de l’interaction humaine. Bien que la technologie soit de plus en plus int\u00e9gr\u00e9e dans les op\u00e9rations des assureurs, le facteur humain reste vital.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbVous souhaitez transformer votre entreprise et cr\u00e9er un environnement propice \u00e0 la gestion du changement ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Vous souhaitez transformer votre entreprise et cr\u00e9er un environnement propice \u00e0 la gestion du changement ?<\/h4>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbR\u00e9ponse\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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L’avenir commence aujourd’hui ! Contactez l’\u00e9quipe d’experts de KPMG<\/a> qui peut vous aider dans votre d\u00e9marche d’optimisation, en s’assurant que vous gardez toujours les clients au c\u0153ur de votre activit\u00e9 et que vous g\u00e9rez les risques d’entreprise et la r\u00e9glementation \u00e0 chaque \u00e9tape de vos processus.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbNotre Expert\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Notre expert<\/h4>\n

[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/10\/Dieter-Putzeys-scaled.jpg\u00a0\u00bb alt=\u00a0\u00bbmandarine\u00a0\u00bb title_text=\u00a0\u00bbDieter Putzeys\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.edmond-de-rothschild.com\/fr\/asset-management\/presentation\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbImage Dieter Putsey\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb50%\u00a0\u00bb max_width=\u00a0\u00bb50%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_team_member name=\u00a0\u00bbDieter Putzeys\u00a0\u00bb position=\u00a0\u00bbInsurance Consulting Lead chez KPMG Luxembourg\u00a0\u00bb linkedin_url=\u00a0\u00bbhttps:\/\/www.linkedin.com\/in\/dieter-putzeys-6bb66128\/\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_team_member][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb collapsed=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_module=\u00a0\u00bb7130″ saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbSponsors Platinium\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Sponsors Platinium<\/h3>\n

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Sponsors Gold<\/h3>\n

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src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/10\/baloise-assurances-luxembourg-2022.png\u00a0\u00bb alt=\u00a0\u00bbBaloise assurances Luxembourg\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.baloise.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbBaloise\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb|40px||40px|false|false\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_4,1_4,1_4,1_4″ use_custom_gutter=\u00a0\u00bbon\u00a0\u00bb gutter_width=\u00a0\u00bb2″ admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb 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_module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbSilver\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Sponsors Silver<\/h3>\n

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