Discover today’s most critical insurance trends and their impact on your organisation. The push for stronger engagement, innovation, and customer value is reshaping the insurance landscape. This evolution goes beyond adopting new tools – it represents a fundamental shift in how organisations operate and compete. Find the insights you need to plan effectively and lead with confidence in the year ahead in our trends book.

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Distribution and engagement

Customer centricity

With 60% of customers willing to share personal data for tailored coverage, the shift from static to dynamic, personalised models is becoming essential. As competition intensifies, seamless omnichannel engagement and advisory-led interactions will be key differentiators for sustaining trust and lifetime value. 

Agent/advisor engagement 

With 67% of under-40 consumers seeking digital access alongside advisor support, modernising workflows is critical. Empowering agents with real-time analytics, unified customer data, and instant quoting tools enables faster, more personalised recommendations that deepen trust and drive premium growth. As competition intensifies, carriers that equip agents with seamless portals and intelligent insights will differentiate through stronger relationships and higher conversion rates.   

Opening the youth segment

Insurers are shifting from traditional life insurance to flexible, lifestyle-linked products that resonate with younger generations. With over 40% of under 40s looking for living benefits – like cash withdrawals for life events, and health and wellness benefits from insurers – repositioning insurance as an active financial tool is paying dividends. As the largest intergenerational wealth transfer unfolds, carriers who embed living benefits as core value propositions within modular, flexible products will capture loyalty and long-term value.   

Collaboration for customisation 

Today’s policyholders expect tailored coverage and consistent communication across touchpoints. To meet these evolving customer demands, insurers need to collaborate with healthcare providers to deliver personalised care pathways, guiding customers to chosen providers. This collaboration reduces service overuse and costs, strengthens trust, and drives better health outcomes – positioning insurers as leaders in customer-centric innovation.

Operational efficiency

Data for intelligence 

AI in the insurance industry is changing the game. Insurers are transforming raw data into actionable insights for pricing, risk assessment, and personalised engagement. By integrating internal and external data sources, carriers can predict behaviours, detect fraud, and optimise underwriting with greater precision. As digital ecosystems expand, real-time intelligence becomes essential for delivering customised experiences and sustaining competitive advantage. 

Underwriting evolution

Manual, rule-based processes are being replaced by automated, AI-powered underwriting that accelerates decision making and improves accuracy. By leveraging predictive analytics and real-time data, carriers can offer instant quotes, dynamic risk assessment, and personalised coverage. Efficient underwriting is on its way to becoming an essential element for competitive advantage.

Focus on value

Escalating healthcare costs, fragmented care delivery, and rising demand for improved patient outcomes are prompting insurers and providers to pursue value-driven models. To keep pace, insurers are leveraging interoperable provider data and advanced analytics to integrate shared accountability, clear metrics, and aligned incentives into provider agreements – enhancing cost control, profitability, and value.

Climate and catastrophe resilience 

Escalating healthcare costs, fragmented care delivery, and rising demand for improved patient outcomes are prompting insurers and providers to pursue value-driven models. To keep pace, insurers are leveraging interoperable provider data and advanced analytics to integrate shared accountability, clear metrics, and aligned incentives into provider agreements – enhancing cost control, profitability, and value.

Technological innovation

Legacy modernisation   

The shift away from outdated core systems in favour of cloud-native platforms continues. By modernising core systems and simplifying rigid architectures through cloud-native, GenAI solutions, carriers can launch new products faster and reduce operational costs. As digital demands rise, legacy modernisation and digital transformation in insurance become essential for resilience and competitive advantage. 

AI transformation at scale

2026 is the year that AI starts to drive serious value. By moving beyond pilots and scaling AI across underwriting, claims, and customer engagement, the insurance industry will unlock better efficiency and personalisation. As adoption matures, enterprise-wide AI will empower insurers to act in real time and proactively manage risks, driving improved performance and sustainable growth.

The insurance industry is entering a transformative era where technology is more than an enabler – it’s the foundation for resilience, growth, and trust. In 2026, distribution and engagement, enhanced operations and technological innovation will redefine how institutions operate and engage with customers. 

The future belongs to those who act boldly, leveraging innovation not only to optimise operations but to unlock new opportunities. For more on the insurance trends that will define the coming year, download our full trends book. 

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Transform your insurance business with Capgemini’s expertise

Capgemini is a trusted partner for insurance institutions seeking to make their technology and business aspirations real. Our expertise in process efficiency, technology transformation, and the industry landscape empowers firms to adapt to complex market environments, access the full benefit of data and AI, and enhance customer experience. Through industry-leading financial digital transformation, we enable firms to modernise legacy systems and drive operational excellence.  

Turn your goals into real business value with Capgemini. Contact us today to discover how we can help you lead in the evolving insurance landscape. 

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