The insurance industry stands on the precipice of profound change. And this disruption is not just digital. Demanding customers, new competitors and a changing set of challenges are transforming the insurance industry.

Through honest conversations with over 200 C-suite insurance executives throughout EMEA, we have worked with Financial Times Remark to identify and analyse four key insurance trends that will shape the future of the industry as we know it.

View the executive summary for the report overview. Access the full report for an in-depth analysis of each chapter, and what this means for your business.


New world, new customers, new solutions

Customers’ needs, knowledge and expectations have expanded exponentially in the past decade. How can insurers adapt to their demands?

Customers are the disruptive force in the insurance industry. In an age of immediacy, constant change and overwhelming choice where loyalty is no longer a given, the industry has to extend beyond its core products and services if it is to retain its customer base.

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A different roadmap for growth

Our research reveals growth will come from preventative, as well as protective approaches, with a range of new services and products. How will service-based strategies and innovative products change the insurance industry?

The traditional approach of selling protective products is nowhere near enough for the insurer of the future. Growth will come from new service-based models, innovative products and a greater focus on prevention.

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The negotiating table beckons

In a highly competitive environment, executives acknowledge that organic growth will not be enough. How will the industry use M&A, equity partnerships and alliances to advance growth?

Incumbent firms can no longer rely on organic growth or internal innovation. The winners will be those that can forge alliances with innovative start-ups; ally with InsurTech; and consolidate with their peers. A rapidly changing industry will require unprecedented deal-making skills.

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Digital disruption – practical not theoretical

Technological change is a given. But knowing about it and acting on it are very different propositions. How can insurers use technologies such as analytics, blockchain and cloud to their advantage?

Disruption from new technologies is a given. It wends its way through all other trends. But acknowledging it and acting on it are very different propositions. Insurance companies need to know how to deploy the right technology for the right purpose or they risk being left behind.

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David Rush

EMEA FSI Insurance Co-leader

+44 (0)20 7303 6302

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Jordi Montalbo

EMEA FSI Insurance Co-leader

+34 93 253 3733

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Photo of Clive Buesnel

Clive Buesnel

UK Head of Insurance

+44 20 7303 3247

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Photo of Nigel Walsh

Nigel Walsh

Insurance Partner

+44 (0)75 8410 0633

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Photo of Ian Sparshott

Ian Sparshott

Insurance Partner

+44 (0)20 7007 8680

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Insurer of the future cover image

Insurer of the future

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2019 Insurance Industry Outlook cover image

2019 Insurance Industry Outlook

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Tick. Tock. Tech.

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