{"id":8656,"date":"2023-10-23T13:57:20","date_gmt":"2023-10-23T11:57:20","guid":{"rendered":"https:\/\/apcal.lu\/fr\/?p=8656"},"modified":"2023-10-23T17:54:26","modified_gmt":"2023-10-23T15:54:26","slug":"the-life-insurance-industry-what-does-the-future-hold","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/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=\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 hover_enabled=\u00a0\u00bb0″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

The life insurance industry: What does the future hold?<\/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\u00bb4.17.6″ _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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

By Dieter Putzeys, Insurance Consulting Lead at\u00a0KPMG 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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Customers seek better end-to-end experiences<\/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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

\n

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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

More innovative products and services<\/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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

\n

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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Competition will intensify<\/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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

\n
\n
\n

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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

The ever-evolving regulatory landscape<\/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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

\n
\n
\n

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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Technology to advance strategic objectives<\/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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

\n
\n
\n

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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

How will business models in the life insurance industry evolve?<\/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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

\n
\n
\n

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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Keys to success<\/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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

\n
\n
\n

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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

\n
\n
\n

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=\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 hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Our 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 hover_enabled=\u00a0\u00bb0″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″][\/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

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_4,1_4,1_4,1_4″ admin_label=\u00a0\u00bbPartenaires\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb10px||70px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/bda.png\u00a0\u00bb alt=\u00a0\u00bbBDA\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.bda-globalservices.com\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbSogelife\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_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/03\/bil.png\u00a0\u00bb alt=\u00a0\u00bbBil\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.bil.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbBil\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_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/lombard-international-assurance.png\u00a0\u00bb alt=\u00a0\u00bblombard international assurance\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.lombardinternational.com\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbLombard\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_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/sogelife.png\u00a0\u00bb alt=\u00a0\u00bbSogelife 2023″ url=\u00a0\u00bbhttps:\/\/www.sogelife.com\/fr\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbSogelife\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\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\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][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\u00bbGold\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _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 Gold<\/h3>\n

[\/et_pb_text][\/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 custom_margin=\u00a0\u00bb10px||10px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb40px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/05\/aig-europe-2022.png\u00a0\u00bb alt=\u00a0\u00bbAIG\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.aig.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAIG\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_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/axa-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbAxa\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.axa.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAxa\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_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/10\/AG2R.png\u00a0\u00bb alt=\u00a0\u00bbAG2R\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.lamondiale.lu\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAG2R\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image 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 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 custom_margin=\u00a0\u00bb10px||60px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb30px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/02\/lalux-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbLalux Luxembourg\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.lalux.lu\/fr\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbLalux\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_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/pwc-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbPWC\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.pwc.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbPWC\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_column type=\u00a0\u00bb1_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_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

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_6,1_6,1_6,1_6,1_6,1_6″ 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 custom_margin=\u00a0\u00bb10px||10px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb30px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/03\/allen-overy.png\u00a0\u00bb alt=\u00a0\u00bbAllen Overly\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.allenovery.com\/en-gb\/global\/global_coverage\/europe\/luxembourg\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbvitislife\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/allianz-Life-Luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbAllianz\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.allianz.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbAllianze\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/cardif-lux-vie.png\u00a0\u00bb alt=\u00a0\u00bbcardif lux vie\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbPWC\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/cnp-luxembourg.jpg\u00a0\u00bb alt=\u00a0\u00bbCNP Luxembourg\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.cnpluxembourg.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbCNP\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/01\/erdmond-de-rothschild.png\u00a0\u00bb alt=\u00a0\u00bbEdmond De Rothschild\u00a0\u00bb url=\u00a0\u00bbhttp:\/\/www.edmond-de-rothschild.com\/site\/Luxembourg\/fr\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2021\/09\/foyer.png\u00a0\u00bb alt=\u00a0\u00bbFoyer\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.foyer.lu\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbFoyer\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_6,1_6,1_6,1_6,1_6,1_6″ 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 custom_margin=\u00a0\u00bb10px||10px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb30px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/03\/generali-silver.png\u00a0\u00bb alt=\u00a0\u00bbGenerali\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.generali.lu\/fr\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbgenerali\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/04\/hiscox.png\u00a0\u00bb alt=\u00a0\u00bbHiscox\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.hiscox.lu\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbgenerali\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/09\/kpmg.png\u00a0\u00bb alt=\u00a0\u00bbKPMG\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/kpmg.com\/lu\/en\/home.html\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbgenerali\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/07\/onelife.png\u00a0\u00bb alt=\u00a0\u00bbOne Life\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.onelife.com\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbOnelife fr\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/02\/vitis-life.png\u00a0\u00bb alt=\u00a0\u00bbVitis life\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.vitislife.com\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbvitislife\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb70%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\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_column type=\u00a0\u00bb1_6″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Future Life Insurance: KPMG Luxembourg Reveals Unavoidable Trends and Keys to success !<\/p>\n","protected":false},"author":4,"featured_media":3939,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[89,5],"tags":[],"class_list":["post-8656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal-en","category-news-en"],"yoast_head":"\nThe life insurance industry: What does the future hold? - Apcal<\/title>\n<meta name=\"description\" content=\"insights into growth opportunities in life insurance despite demographic and regulatory challenges\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The life insurance industry: What does the future hold? - Apcal\" \/>\n<meta property=\"og:description\" content=\"insights into growth opportunities in life insurance despite demographic and regulatory challenges\" \/>\n<meta property=\"og:url\" content=\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/\" \/>\n<meta property=\"og:site_name\" content=\"Apcal\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-23T11:57:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-23T15:54:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"593\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Nathalie Schuh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nathalie Schuh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/\"},\"author\":{\"name\":\"Nathalie Schuh\",\"@id\":\"https:\/\/apcal.lu\/fr\/#\/schema\/person\/c6084e3d06cd0601c0d40849b6e736cd\"},\"headline\":\"The life insurance industry: What does the future hold?\",\"datePublished\":\"2023-10-23T11:57:20+00:00\",\"dateModified\":\"2023-10-23T15:54:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/\"},\"wordCount\":4253,\"image\":{\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\",\"articleSection\":[\"APCAL\",\"News\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/\",\"url\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/\",\"name\":\"The life insurance industry: What does the future hold? - Apcal\",\"isPartOf\":{\"@id\":\"https:\/\/apcal.lu\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\",\"datePublished\":\"2023-10-23T11:57:20+00:00\",\"dateModified\":\"2023-10-23T15:54:26+00:00\",\"author\":{\"@id\":\"https:\/\/apcal.lu\/fr\/#\/schema\/person\/c6084e3d06cd0601c0d40849b6e736cd\"},\"description\":\"insights into growth opportunities in life insurance despite demographic and regulatory challenges\",\"breadcrumb\":{\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#primaryimage\",\"url\":\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\",\"contentUrl\":\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\",\"width\":960,\"height\":593,\"caption\":\"Actualit\u00e9s APCAL\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/apcal.lu\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The life insurance industry: What does the future hold?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/apcal.lu\/fr\/#website\",\"url\":\"https:\/\/apcal.lu\/fr\/\",\"name\":\"Apcal\",\"description\":\"Association des courtiers en assurance du Luxembourg\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/apcal.lu\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/apcal.lu\/fr\/#\/schema\/person\/c6084e3d06cd0601c0d40849b6e736cd\",\"name\":\"Nathalie Schuh\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/apcal.lu\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c31bfc570b2dfabc9a3c15f6e572b7698826cd9f114a002fcbd913d0a34aa162?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c31bfc570b2dfabc9a3c15f6e572b7698826cd9f114a002fcbd913d0a34aa162?s=96&d=mm&r=g\",\"caption\":\"Nathalie Schuh\"},\"url\":\"https:\/\/apcal.lu\/fr\/author\/nathalie\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The life insurance industry: What does the future hold? - Apcal","description":"insights into growth opportunities in life insurance despite demographic and regulatory challenges","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/","og_locale":"fr_FR","og_type":"article","og_title":"The life insurance industry: What does the future hold? - Apcal","og_description":"insights into growth opportunities in life insurance despite demographic and regulatory challenges","og_url":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/","og_site_name":"Apcal","article_published_time":"2023-10-23T11:57:20+00:00","article_modified_time":"2023-10-23T15:54:26+00:00","og_image":[{"width":960,"height":593,"url":"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png","type":"image\/png"}],"author":"Nathalie Schuh","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Nathalie Schuh","Dur\u00e9e de lecture estim\u00e9e":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#article","isPartOf":{"@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/"},"author":{"name":"Nathalie Schuh","@id":"https:\/\/apcal.lu\/fr\/#\/schema\/person\/c6084e3d06cd0601c0d40849b6e736cd"},"headline":"The life insurance industry: What does the future hold?","datePublished":"2023-10-23T11:57:20+00:00","dateModified":"2023-10-23T15:54:26+00:00","mainEntityOfPage":{"@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/"},"wordCount":4253,"image":{"@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#primaryimage"},"thumbnailUrl":"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png","articleSection":["APCAL","News"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/","url":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/","name":"The life insurance industry: What does the future hold? - Apcal","isPartOf":{"@id":"https:\/\/apcal.lu\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#primaryimage"},"image":{"@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#primaryimage"},"thumbnailUrl":"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png","datePublished":"2023-10-23T11:57:20+00:00","dateModified":"2023-10-23T15:54:26+00:00","author":{"@id":"https:\/\/apcal.lu\/fr\/#\/schema\/person\/c6084e3d06cd0601c0d40849b6e736cd"},"description":"insights into growth opportunities in life insurance despite demographic and regulatory challenges","breadcrumb":{"@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#primaryimage","url":"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png","contentUrl":"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png","width":960,"height":593,"caption":"Actualit\u00e9s APCAL"},{"@type":"BreadcrumbList","@id":"https:\/\/apcal.lu\/fr\/the-life-insurance-industry-what-does-the-future-hold\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/apcal.lu\/fr\/"},{"@type":"ListItem","position":2,"name":"The life insurance industry: What does the future hold?"}]},{"@type":"WebSite","@id":"https:\/\/apcal.lu\/fr\/#website","url":"https:\/\/apcal.lu\/fr\/","name":"Apcal","description":"Association des courtiers en assurance du Luxembourg","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/apcal.lu\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/apcal.lu\/fr\/#\/schema\/person\/c6084e3d06cd0601c0d40849b6e736cd","name":"Nathalie Schuh","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/apcal.lu\/fr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/c31bfc570b2dfabc9a3c15f6e572b7698826cd9f114a002fcbd913d0a34aa162?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c31bfc570b2dfabc9a3c15f6e572b7698826cd9f114a002fcbd913d0a34aa162?s=96&d=mm&r=g","caption":"Nathalie Schuh"},"url":"https:\/\/apcal.lu\/fr\/author\/nathalie\/"}]}},"publishpress_future_action":{"enabled":false,"date":"2026-04-30 22:13:21","action":"change-status","newStatus":"trash","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/posts\/8656","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/comments?post=8656"}],"version-history":[{"count":7,"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/posts\/8656\/revisions"}],"predecessor-version":[{"id":8673,"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/posts\/8656\/revisions\/8673"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/media\/3939"}],"wp:attachment":[{"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/media?parent=8656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/categories?post=8656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apcal.lu\/fr\/wp-json\/wp\/v2\/tags?post=8656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}