{"id":1061229,"date":"2023-05-26T09:06:13","date_gmt":"2023-05-26T07:06:13","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=900296"},"modified":"2024-09-20T07:43:58","modified_gmt":"2024-09-20T07:43:58","slug":"riding-the-great-wealth-transfer-wave","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/","title":{"rendered":"Asset retention : riding the great wealth transfer wave"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/05\/Asset-retention-Capcom-v2.jpg\" class=\"header-img header-img-d\" alt=\"Asset-retention-Capcom-v2\" style=\"object-fit:cover;object-position:65% 33%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Customer first<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Asset retention : riding the great wealth transfer wave<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\" id=\"quoteWrapper\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=900296\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=900296&amp;text=Is%20asset%20retention%20the%20way%20ahead%20for%20carriers%3F\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=900296&amp;text=Is%20asset%20retention%20the%20way%20ahead%20for%20carriers%3F\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-evolve-your-insurance-business-model-with-asset-retention-in-mind-to-bolster-business-and-meet-the-needs-of-insureds\">Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">In brief<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>As we approach the greatest wealth transfer we\u2019ve ever seen, carriers must be proactive to both deliver on their promises to insureds and support business growth.<\/li>\n\n\n\n<li>Asset retention offers valuable opportunities to provide beneficiaries with excellent, tailored experiences that best meet their unique needs.<\/li>\n\n\n\n<li>To effectively incorporate asset retention practices, life insurers must educate their employees, raise consumer awareness and embrace innovative tech solutions.<\/li>\n<\/ul>\n\n\n\n<p>An estimated <a href=\"https:\/\/www.census.gov\/library\/stories\/2019\/12\/by-2030-all-baby-boomers-will-be-age-65-or-older.html#:~:text=The%202020%20Census%20will%20provide,estimated%20at%20about%2073%20million\" target=\"_blank\" rel=\"noreferrer noopener\">73 million baby boomers<\/a> will celebrate their 65<sup>th<\/sup> birthday by 2030. As this generation reaches retirement \u2014 and then end of life \u2014 we\u2019re fast approaching the greatest wealth transfer the United States has ever seen.<\/p>\n\n\n\n<p>In fact, 2021 saw record-breaking highs in U.S. life insurance and annuity benefits with nearly <a href=\"https:\/\/www.acli.com\/posting\/rp22-020\" target=\"_blank\" rel=\"noreferrer noopener\">$200 billion distributed to families and retirees<\/a> \u2014 and that\u2019s just the beginning.<\/p>\n\n\n\n<p>Approximately 57% of those <a href=\"https:\/\/www.annuity.org\/life-insurance\/statistics\/#:~:text=53%25%20of%20Americans%20ages%2045,older%20own%20life%20insurance%20policies\" target=\"_blank\" rel=\"noreferrer noopener\">65 and older own life insurance<\/a>, which could represent as much as 30% of your total policy holders. With the impending pressure that puts on carriers, the question is: Are you ready?<\/p>\n\n\n\n<p>Every life insurer prepares for catastrophe \u2014 that\u2019s the nature of the beast. It\u2019s common practice to plan and budget for worst-case scenarios, but soon this won\u2019t be enough. Life insurers are already feeling the strain of paying out constantly and as time goes on this will only increase.<\/p>\n\n\n\n<p>And yet, there is a way to soften this blow, reduce hemorrhaging and, most importantly, keep your promise to insureds and their descendants. The key to riding the wealth transfer wave? Incorporate asset retention into your plans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Asset retention is a win-win for insureds, carriers and beneficiaries<\/h3>\n\n\n\n<p>The best way to approach asset retention is to keep the commitments we make to insureds top of mind \u2014 that their loved ones will be protected and taken care of after their passing. Asset retention is about making good on that promise beyond just cutting a check. It recognizes that we can go further for our clients and our businesses by advising beneficiaries on how to best use their benefits as continuation of that promise we made to the insured on day one.<\/p>\n\n\n\n<p>By guiding beneficiaries to solutions that are ideally suited for their needs, such as moving their inheritance into an annuity or a whole life policy, we help them see beyond the assumption that a lump sum payout is the only and best option. Even if just a small percentage of surviving family members acquire new policies, the positive repercussions of retaining just 1% of these payouts would be enormously felt by carriers and beneficiaries alike.<\/p>\n\n\n\n<p>We often think of asset retention as purely bottom-line motivated. But incorporating this practice into our regular processes benefits so much more than revenue.<\/p>\n\n\n\n<p>Imagine this scenario:<\/p>\n\n\n\n<p><em>Jane\u2019s last surviving parent passed away and the carrier writes her a check. She\u2019s grieving and not thinking clearly, and she uses the money on a series of overseas trips she always wanted to take. Jane lives it up for the moment, but a few short years later her health takes a turn and now she\u2019s scrambling to pay for the unexpected in-home care services she needs, and she\u2019s faced with the choice of having to borrow money from her kids or move in with them. If only her carrier had helped her see the benefits of optimizing her payout in a whole life policy with a long-term care rider.<\/em><\/p>\n\n\n\n<p>Now imagine another scenario, where the client benefits from a different approach:<\/p>\n\n\n\n<p><em>June\u2019s husband was the breadwinner and still working full time when he suddenly passed away. Their home is paid off and aside from her small car payment she has no significant debt, though her son and daughter are finishing college and starting their careers. Instead of just processing the payout, her claims representative sees an opportunity to guide her to a better solution and suggests dividing up the funds. The kids can benefit from having money now, so they each receive a lump sum to cover student loans or set aside for a down payment on a home. The professional advises June to consider putting the remaining funds into an immediate annuity, so she has steady, reliable income for the rest of her life. She\u2019s relieved. The thought of figuring out how to budget that money to last for the rest of her life is overwhelming.<\/em><\/p>\n\n\n\n<p>Asset retention gives us a chance to better deliver on the promise we make to our insureds to take care of their loved ones after they\u2019re gone. Here are three noteworthy benefits for carriers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It generates a policy that creates new revenue for the carrier while retaining assets<\/li>\n\n\n\n<li>It offers a creative and effective way to follow through on the commitment to the insured and provides an excellent, tailored experience for the beneficiary<\/li>\n\n\n\n<li>It creates potential to gain new customers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What can life insurance carriers do to engage asset retention?<\/h3>\n\n\n\n<p>There are a lot of upsides to adopting asset retention as a core practice, though it\u2019s not going to be easy. This pivot to offer broader and more comprehensive options for the client involves a perspective-shift for carriers, producers and claims professionals while simultaneously infusing more sophisticated and intuitive tech that can enable the process.<\/p>\n\n\n\n<p>The way forward is three-fold:<br><br><strong>1.Train claims professionals<\/strong><br>Claims representatives must be equipped with the right knowledge, an empathic approach and strong skillset to elicit key details from clients and make sound recommendations. These professionals need to employ a warm, consultative approach and be willing to truly understand what each client needs.<br><br><strong>2. Raise consumer awareness and expectations<\/strong><br>It\u2019s crucial that we educate the public about all the benefits of life insurance beyond a one-time payout. Agents need to transform from being perceived as salespeople to trusted advisors. People need to understand that life insurers can help you optimize your benefits to best meet your needs. We\u2019re playing the long game here and this awareness shift takes time.<br><br><strong>3. Propel tech to the next level<\/strong><br>Smart tech is pivotal to successful, scalable asset retention. Data and analytics can instantaneously give claims professionals tailored, viable options they can advise an individual on. Once the solution is identified, the tech also needs to efficiently handle the outcome. The system needs the capability to handle dividing payouts between multiple beneficiaries while also transitioning a portion of funds into an annuity or other policy while accounting for tax implications and various state reporting considerations. Tech solutions must be holistic for businesses to assimilate asset retention into a seamless customer experience.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">In conclusion<\/h3>\n\n\n\n<p>Insureds obtain life insurance so their loved ones are taken care of in the future. Until now, we\u2019ve always accepted that the best form of protection is a lump sum payout distributed to the beneficiaries upon the insured person\u2019s passing. With asset retention incorporated into our model, we can do better and more to achieve the goal the insured person set out for us in the first place, and our businesses will reap the benefits. &nbsp;<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h3 data-maxlength=\"34\">Meet our expert<\/h3><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2022\/08\/Samantha-Chow-Headshot-2024_2.jpg\" alt=\"Samantha Chow\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBc9fb1cbe_19af_4979_bf04_1ebc03d8c7af\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/samantha-chow-3907638\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Samantha Chow<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Life and Annuity Industry Leader<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBc9fb1cbe_19af_4979_bf04_1ebc03d8c7af\" data-bs-expert-title=\"Samantha Chow\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Opens in a new window\" href=\"https:\/\/www.linkedin.com\/in\/samantha-chow-3907638\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Samantha is a global expert in life, annuity, and benefits. With nearly three decades of experience, she leads transformation across the industry through AI innovation, technology modernization, and customer-centric strategies. A recognized thought-leader, she helps insurers redefine distribution, strengthen engagement, and build future-ready organizations.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal\" id=\"WPBc9fb1cbe_19af_4979_bf04_1ebc03d8c7af\">\n\t\t\t\t\t<div class=\"modal-dialog modal-dialog-centered modal-lg modal-dialog-scrollable landing-page-modals\">\n\t\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t\t<div class=\"modal-header\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn-close\" aria-label=\"close\" data-bs-dismiss=\"modal\"><\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Connect with us\" class=\"light\" \/>\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\"\n\t\t\t\t\t\t\t\t\t\talt=\"Connect with us\" class=\"dark\" \/>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"form-title\">Connect with us<\/h4>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_1003886_388345899\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_1003795_1599_3399710597\" name=\"_mf_1003795_1599\" placeholder=\"First Name\" required \/><label for=\"_mf_1003795_1599_3399710597\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_1003795_8620_1849097288\" name=\"_mf_1003795_8620\" placeholder=\"Last Name\" required \/><label for=\"_mf_1003795_8620_1849097288\" class=\"form-label\">Last Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_1003795_4386_1945349853\" name=\"_mf_1003795_4386\" placeholder=\"Email\" required \/><label for=\"_mf_1003795_4386_1945349853\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_1003795_3223_3039049582\" name=\"_mf_1003795_3223\" placeholder=\"Company\" required \/><label for=\"_mf_1003795_3223_3039049582\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company is not valid.<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_1003795_5869_4151419154\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_1003795_5869_4151419154\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_1003795_5869\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Country<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afghanistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Aland Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >American Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarctica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua And Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaijan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Belarus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgium<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bolivia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bosnia And Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Bouvet Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >British Indian Ocean Territory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulgaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Cambodia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Cameroon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cape Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Cayman Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Central African Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Christmas Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Cocos (Keeling) Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Colombia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comoros<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Cook Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Cote D&#039;Ivoire<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Croatia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cyprus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Czech Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Denmark<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominican Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ecuador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egypt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Equatorial Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Ethiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falkland Islands (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Faroe Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >France<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >French Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >French Polynesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >French Southern Territories<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Georgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Germany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Greece<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Greenland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadeloupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guinea-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guyana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Heard Island &amp; Mcdonald Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Holy See (Vatican City State)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungary<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Iceland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >India<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran, Islamic Republic Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraq<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Ireland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Isle Of Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >Italy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazakhstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kyrgyzstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Lao People&#039;s Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Latvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Lebanon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libyan Arab Jamahiriya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Lithuania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxembourg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagascar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malaysia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldives<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Marshall Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauritania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Mexico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micronesia, Federated States Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Moldova<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monaco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Morocco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Myanmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Netherlands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Netherlands Antilles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >New Caledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >New Zealand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Norfolk Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Northern Mariana Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norway<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Palestinian Territory, Occupied<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua New Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Philippines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Poland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Puerto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Qatar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Romania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Russian Federation<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Saint Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts And Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre And Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent And Grenadines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Sao Tome And Principe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Saudi Arabia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seychelles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapore<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Slovakia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Slovenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Solomon Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >South Africa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >South Georgia And Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Spain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard And Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Swaziland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Sweden<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Switzerland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syrian Arab Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajikistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Thailand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad And Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunisia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turkey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turks And Caicos Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >United Arab Emirates<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >United Kingdom<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >United States<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >United States Outlying Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Virgin Islands, British<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Virgin Islands, U.S.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis And Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Western Sahara<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Yemen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Country is not valid.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t});\n\t\t\t\t\t\t$select.on('blur', function() {\n\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t});\n                    });\n                });\n            });\n        <\/script>\n\n\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><textarea type=\"text\" class=\"form-control\" id=\"_mf_1003795_8295_62178251\" name=\"_mf_1003795_8295\" placeholder=\"Message\" required><\/textarea><label for=\"_mf_1003795_8295_62178251\" class=\"form-label\">Message <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Message is not valid.<\/div><\/div>\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_1003795_3685_1876989123\">Page URL\t\t\t\t\t<\/label>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"hidden\"\n\t\t\t\t\tid=\"_mf_1003795_3685_1876989123\"\n\t\t\t\t\tclass=\"mf_field__input empty\"\n\t\t\t\t\tname=\"_mf_1003795_3685\"\n\t\t\t\t\tdata-validate=\"text\"\n\t\t\t\t\tvalue=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/\"\n\t\t\t\t\t\t\t\t\t\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_1003886_1365_994438699\">Expert title\t\t\t\t\t<\/label>\n\t\t\t\t<input type=\"hidden\" id=\"_mf_1003886_1365_994438699\" class=\"mf_field__input empty\" name=\"_mf_1003886_1365\" data-validate=\"text\" data-hidden-field-tag=\"expert_title\" value=\"\"  \/>\n\t\t\t<\/div>\n\t\t<div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_1003795_8122_487765697\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_1003795_8122[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_1003795_8122_487765697\" class=\"form-check-label consent-text\">\n\t\t\t\t I agree to Capgemini collecting &amp; processing my personal data to allow me to receive information on Capgemini services. For further information, please see our<a href=\"https:\/\/www.capgemini.com\/in-en\/privacy-policy\/\"> Privacy Notice<\/a>.  &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label for=\"slider-submit-_mf_1003795_3011\" class=\"slide-text\">\n\t\t\t\t\t\tSlide to submit\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_1003795_3011\"\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tclass=\"mf_field__input slider-frm-btn\"\n\t\t\t\t\t\trel=\"_mf_1003795_3011\"\n\t\t\t\t\t\tmin=\"0\"\n\t\t\t\t\t\tmax=\"100\"\n\t\t\t\t\t\tvalue=\"0\"\n\t\t\t\t\t\taria-label=\"Slide to submit\"\n\t\t\t\t\t\taria-describedby=\"slide-instruction-_mf_1003795_3011\"\n\t\t\t\t\t\taria-valuenow=\"0\"\n\t\t\t\t\t\taria-valuemin=\"0\"\n\t\t\t\t\t\taria-valuemax=\"100\"\n\t\t\t\t\t\taria-orientation=\"horizontal\"\n\t\t\t\t\t\trole=\"slider\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\/>\n\t\t\t\t\t<span id=\"slide-instruction-_mf_1003795_3011\" class=\"sr-only\">\n\t\t\t\t\t\tUse right arrow keys to slide, or drag right with your finger. When you reach 100 percent, the form is submitted.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">If you use a screen reader or VoiceOver, double-tap this button to submit the form.<\/span>\n\t\t\t\t\t\tSlide to submit\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Slide to submit\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Submitted\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"1003886\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"generic-expert-forms\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"e2c6884adf\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t<h3 style=\"color: #0070ad\">Thank You! We have received your form submission.<\/h3><\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. Please try again.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG1003886 = {\"1003886\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider next\"><\/button><\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Latest insights<\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/human-led-ai-powered-cx-transformation\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/04\/Human-led-AI-powered_CRI-2880X1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/human-led-ai-powered-cx-transformation\/\" aria-label=\"Reimagining customer experience: Human-led, AI-powered\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Reimagining customer experience: Human-led, AI-powered<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/why-ai-pilots-succeed-but-engineering-transformation-fails\/\" aria-label=\"Why AI pilots succeed, but engineering transformation fails\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\"><\/div>\n                                <h3 class=\"card-title\">Why AI pilots succeed, but engineering transformation fails<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-engineering-white.svg\" alt=\"capgemini-engineering\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-engineering-white.svg\" alt=\"capgemini-engineering\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/the-future-of-adm-services\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2026\/03\/ADM-web-banner-2880x1800-1.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/hot-tech-takes-from-mwc-2026\/\" aria-label=\"Hot tech takes from MWC 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Podcast<\/div>\n                                <h3 class=\"card-title\">Hot tech takes from MWC 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/the-future-of-adm-services\/\" aria-label=\"The future of ADM services\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">The future of ADM services<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined call-to-action-block is-style-cg-secondary-3\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" data-maxlength=\"144\">Join the conversation on LinkedIn<\/h3><p class=\"description\" data-maxlength=\"210\">Connect with our experts and read the latest industry insights on our dedicated LinkedIn page<\/p><\/div><div class=\"button-wrapper has-description\"><a class=\" cta-btn action-valid\" href=\"https:\/\/www.linkedin.com\/showcase\/capgemini-fs\/\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Follow our page about Join the conversation on LinkedIn\" title=\"Opens in a new window\" data-maxlength=\"24\"> Follow our page <\/a><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h3 data-maxlength=\"34\">Learn about Insurance at Capgemini<\/h3><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Insurance\" href=\"\/industries\/insurance\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Insurance<\/h4><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.<\/p>\n","protected":false},"author":440,"featured_media":1061242,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"{\"uuid\":\"22d771c3-286f-493b-be23-a88939b3eea6\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"e0ff5627-afac-4adc-a972-dfc334a375d1\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":46,"primary_term":"Customer first","featured_focal_points":""},"tags":[],"research-and-insight-type":[253],"theme":[46,254],"brand":[],"service":[234],"industry":[597,70],"partners":[],"content-group":[],"class_list":["post-1061229","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-report","theme-customer-first","theme-innovation","service-customer-experience","industry-financial-services","industry-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Asset retention : riding the great wealth transfer wave - Capgemini India<\/title>\n<meta name=\"description\" content=\"Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asset retention : riding the great wealth transfer wave\" \/>\n<meta property=\"og:description\" content=\"Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini India\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-20T07:43:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/\",\"url\":\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/\",\"name\":\"Asset retention : riding the great wealth transfer wave - Capgemini India\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/in-en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg\",\"datePublished\":\"2023-05-26T07:06:13+00:00\",\"dateModified\":\"2024-09-20T07:43:58+00:00\",\"description\":\"Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#breadcrumb\"},\"inLanguage\":\"en-IN\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-IN\",\"@id\":\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#primaryimage\",\"url\":\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg\",\"contentUrl\":\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg\",\"width\":2880,\"height\":1800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/in-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Research &amp; insights\",\"item\":\"https:\/\/www.capgemini.com\/in-en\/research-and-insight\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Asset retention : riding the great wealth transfer wave\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/in-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/in-en\/\",\"name\":\"Capgemini India\",\"description\":\"Capgemini\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/in-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-IN\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Asset retention : riding the great wealth transfer wave - Capgemini India","description":"Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.","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:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/","og_locale":"en_US","og_type":"article","og_title":"Asset retention : riding the great wealth transfer wave","og_description":"Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.","og_url":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/","og_site_name":"Capgemini India","article_modified_time":"2024-09-20T07:43:58+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/","url":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/","name":"Asset retention : riding the great wealth transfer wave - Capgemini India","isPartOf":{"@id":"https:\/\/www.capgemini.com\/in-en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#primaryimage"},"image":{"@id":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#primaryimage"},"thumbnailUrl":"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg","datePublished":"2023-05-26T07:06:13+00:00","dateModified":"2024-09-20T07:43:58+00:00","description":"Evolve your insurance business model with asset retention in mind to bolster business and meet the needs of insureds.","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#breadcrumb"},"inLanguage":"en-IN","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/"]}]},{"@type":"ImageObject","inLanguage":"en-IN","@id":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#primaryimage","url":"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg","contentUrl":"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg","width":2880,"height":1800},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/in-en\/"},{"@type":"ListItem","position":2,"name":"Research &amp; insights","item":"https:\/\/www.capgemini.com\/in-en\/research-and-insight\/"},{"@type":"ListItem","position":3,"name":"Asset retention : riding the great wealth transfer wave"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/in-en\/#website","url":"https:\/\/www.capgemini.com\/in-en\/","name":"Capgemini India","description":"Capgemini","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/in-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-IN"}]}},"theme_term_info":[{"id":46,"name":"Customer first"},{"id":254,"name":"Innovation"}],"industry_term_info":[{"id":597,"name":"Financial services"},{"id":70,"name":"Insurance"}],"services_term_info":[{"id":234,"name":"Customer experience"}],"partners_term_info":[],"brand_term_info":[],"brand_term":[],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Asset retention : riding the great wealth transfer wave","url":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/"},"thumbnailUrl":"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg"},"articleSection":"Uncategorized","author":[],"creator":[],"publisher":{"@type":"Organization","name":"Capgemini India","logo":""},"keywords":[],"dateCreated":"2023-05-26T07:06:13Z","datePublished":"2023-05-26T07:06:13Z","dateModified":"2024-09-20T07:43:58Z"},"rendered":"<meta name=\"parsely-title\" content=\"Asset retention : riding the great wealth transfer wave\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/in-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-image-url\" content=\"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg?w=150&amp;h=150&amp;crop=1\" \/>\n<meta name=\"parsely-pub-date\" content=\"2023-05-26T07:06:13Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg","featured_image_alt":"","jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini India","distributor_original_site_url":"https:\/\/www.capgemini.com\/in-en","push-errors":false,"tag_names":[],"featured_image_url":"https:\/\/www.capgemini.com\/in-en\/wp-content\/uploads\/sites\/18\/2023\/05\/Asset-retention-Capcom-v2.jpg","_links":{"self":[{"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/research-and-insight\/1061229","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/research-and-insight"}],"about":[{"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/types\/research-and-insight"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/users\/440"}],"version-history":[{"count":4,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/research-and-insight\/1061229\/revisions"}],"predecessor-version":[{"id":1132243,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/research-and-insight\/1061229\/revisions\/1132243"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/media\/1061242"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/media?parent=1061229"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/tags?post=1061229"},{"taxonomy":"research-and-insight-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/research-and-insight-type?post=1061229"},{"taxonomy":"theme","embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/theme?post=1061229"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/brand?post=1061229"},{"taxonomy":"service","embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/service?post=1061229"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/industry?post=1061229"},{"taxonomy":"partners","embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/partners?post=1061229"},{"taxonomy":"content-group","embeddable":true,"href":"https:\/\/www.capgemini.com\/in-en\/wp-json\/wp\/v2\/content-group?post=1061229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}