{"id":908443,"date":"2025-04-04T07:31:22","date_gmt":"2025-04-04T07:31:22","guid":{"rendered":"https:\/\/www.capgemini.com\/pl-pl\/?post_type=research-and-insight&#038;p=908443"},"modified":"2025-12-05T13:14:03","modified_gmt":"2025-12-05T13:14:03","slug":"life-insurance-top-trends-2025","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/pl-pl\/insights\/biblioteka\/life-insurance-top-trends-2025\/","title":{"rendered":"Najwa\u017cniejsze trendy w bran\u017cy ubezpiecze\u0144 na \u017cycie w 2025 roku."},"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\/2024\/12\/Life-Landing-page-banner_2880x1800_04.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Life-Landing-page-banner_2880x1800_04.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source 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data-maxlength=\"34\">Najwa\u017cniejsze trendy w bran\u017cy ubezpiecze\u0144 na \u017cycie w 2025 roku.<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Life-Insurance-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download trends book<\/span><span class=\"type\">2 MB pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Infographic_Life-Insurance-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download infographic<\/span><span class=\"type\">158 KB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><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=835951\" 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=835951&amp;text=World%20Payments%20Report%202022\" 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=835951&amp;text=World%20Payments%20Report%202022\" 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-jak-przekuc-wyzwania-branzowe-w-przewage-konkurencyjna\"><strong>Jak przeku\u0107 wyzwania bran\u017cowe w przewag\u0119 konkurencyjn\u0105<\/strong>?<\/h2>\n\n\n\n<p>Bran\u017ca ubezpiecze\u0144 na \u017cycie przechodzi pe\u0142n\u0105 transformacj\u0119. Na pocz\u0105tku 2025 roku pojawi\u0142y si\u0119 nowe trendy, kt\u00f3re zmieniaj\u0105 spos\u00f3b, w jaki ubezpieczyciele podchodz\u0105 do swojej dzia\u0142alno\u015bci. Najnowsze badania Capgemini identyfikuj\u0105 trzy kluczowe obszary, kt\u00f3re b\u0119d\u0105 kszta\u0142towa\u0107 przysz\u0142o\u015b\u0107 ubezpiecze\u0144 na \u017cycie:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><strong>Klient na pierwszym miejscu<\/strong> \u2013<\/strong> ubezpieczyciele zmieniaj\u0105 spos\u00f3b obs\u0142ugi klient\u00f3w, koncentruj\u0105c si\u0119 na interakcjach wielokana\u0142owych oraz postrzeganej warto\u015bci produkt\u00f3w i us\u0142ug.<\/li>\n\n\n\n<li><strong><strong>Zarz\u0105dzanie przedsi\u0119biorstwem<\/strong> \u2013<\/strong> transformacja proces\u00f3w, zespo\u0142\u00f3w, rozwi\u0105za\u0144 i operacji w celu zwi\u0119kszenia elastyczno\u015bci i efektywno\u015bci dzia\u0142ania oraz optymalizacji koszt\u00f3w prowadzenia biznesu.&nbsp;<\/li>\n\n\n\n<li><strong><strong>Inteligentny przemys\u0142<\/strong> \u2013<\/strong> wykorzystanie nowoczesnych rozwi\u0105za\u0144 do tworzenia kompleksowych, cyfrowych do\u015bwiadcze\u0144, kt\u00f3re przekszta\u0142caj\u0105 \u0142a\u0144cuch warto\u015bci.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Nowoczesne platformy chmurowe i technologia Gen AI usprawniaj\u0105 procesy oraz umo\u017cliwiaj\u0105 innowacje produktowe, dzi\u0119ki czemu ubezpieczyciele mog\u0105 oferowa\u0107 bardziej spersonalizowane do\u015bwiadczenia i \u015bcie\u017cki klienta. Te trzy kluczowe obszary odzwierciedlaj\u0105 reakcj\u0119 bran\u017cy na ewoluuj\u0105ce wyzwania i mo\u017cliwo\u015bci, umo\u017cliwiaj\u0105c jej wej\u015bcie w przysz\u0142o\u015b\u0107 skoncentrowan\u0105 na kliencie i wydajno\u015bci.&nbsp;<\/p>\n\n\n\n<p>Niniejszy raport trend\u00f3w przedstawia kompleksowy przegl\u0105d najwa\u017cniejszych statystyk i trend\u00f3w, kt\u00f3re zdefiniuj\u0105 bran\u017c\u0119 ubezpiecze\u0144 na \u017cycie w nadchodz\u0105cym roku, dostarczaj\u0105c wgl\u0105du w to, jak ubezpieczyciele mog\u0105 utrzyma\u0107 konkurencyjno\u015b\u0107, nap\u0119dza\u0107 wzrost i sprosta\u0107 zmieniaj\u0105cym si\u0119 oczekiwaniom klient\u00f3w.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Life-Insurance-1.pdf\">Download now<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Trendy w bran\u017cy ubezpiecze\u0144 na \u017cycie na 2025 rok<\/h2><\/div><p>Odkryj kluczowe trendy, kt\u00f3re zmieniaj\u0105 krajobraz dla ubezpieczycieli na \u017cycie, k\u0142ad\u0105c nowe fundamenty pod personalizacj\u0119, wydajno\u015b\u0107 i innowacje.<\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Klient na pierwszym miejscu\u00a0<\/h3><\/div><div class=\"expander-content\"><p><strong><strong>Nowoczesne do\u015bwiadczenia<\/strong>\u00a0<\/strong><br>Ubezpieczyciele w bran\u017cy ubezpiecze\u0144 na \u017cycie stoj\u0105 przed krytyczn\u0105 potrzeb\u0105 podniesienia poziomu swojej dzia\u0142alno\u015bci. Nowoczesne technologie, takie jak sztuczna inteligencja (Gen AI), mog\u0105 umo\u017cliwi\u0107 ubezpieczycielom odnowienie do\u015bwiadcze\u0144, \u015bcie\u017cek i proces\u00f3w dla klient\u00f3w, co z kolei zwi\u0119kszy zaanga\u017cowanie, wska\u017aniki sukces\u00f3w oraz retencj\u0119.\u00a0<br><strong><strong>Centryczno\u015b\u0107 klienta<\/strong><\/strong><br>Ubezpieczyciele potrzebuj\u0105 lepszego sposobu spe\u0142niania oczekiwa\u0144 klient\u00f3w. Poniewa\u017c posiadacze polis oczekuj\u0105 teraz wi\u0119kszej przejrzysto\u015bci i bardziej dostosowanych do\u015bwiadcze\u0144, organizacje ubezpieczeniowe musz\u0105 opracowa\u0107 zintegrowany obraz klienta. Dzi\u0119ki temu mo\u017cliwe jest lepsze zrozumienie zachowa\u0144 klient\u00f3w, usprawnienie do\u015bwiadcze\u0144 oraz rozw\u00f3j innowacyjnych produkt\u00f3w, pozostawiaj\u0105c przestrze\u0144 dla ubezpieczycieli do skupienia si\u0119 na ukierunkowanej sprzeda\u017cy dodatkowej i krzy\u017cowej.\u00a0<br><strong><strong>Us\u0142ugi niezwi\u0105zane z ubezpieczeniami<\/strong><\/strong><br>Srebrna gospodarka si\u0119 rozszerza, co stanowi znacz\u0105c\u0105 szans\u0119 rynkow\u0105 dla ubezpieczycieli na \u017cycie. Wraz z rosn\u0105cymi oczekiwaniami dotycz\u0105cymi us\u0142ug dodanych w tej grupie demograficznej, ubezpieczyciele b\u0119d\u0105 priorytetowo traktowa\u0107 rozw\u00f3j zaawansowanych mo\u017cliwo\u015bci produktowych w celu tworzenia dostosowanych ofert dla posiadaczy polis, zwi\u0119kszania warto\u015bci \u017cyciowej klient\u00f3w oraz wykorzystania globalnych trend\u00f3w starzej\u0105cej si\u0119 populacji.\u00a0<br><strong><strong>Otwieranie segmentu m\u0142odzie\u017cowego<\/strong><\/strong><br>Generacyjne problemy finansowe i b\u0142\u0119dne przekonania dotycz\u0105ce produkt\u00f3w spowodowa\u0142y, \u017ce ubezpieczenia na \u017cycie sta\u0142y si\u0119 raczej spraw\u0105 drugorz\u0119dn\u0105. Wielu konsument\u00f3w z pokolenia Z i milenials\u00f3w nie rozumie zakresu ubezpiecze\u0144 na \u017cycie, co stwarza okazj\u0119 dla ubezpieczycieli do zaanga\u017cowania m\u0142odszych doros\u0142ych i zaprojektowania nowych produkt\u00f3w opartych na celach \u017cyciowych, kt\u00f3re b\u0119d\u0105 nap\u0119dza\u0107 przysz\u0142e \u017ar\u00f3d\u0142a dochod\u00f3w.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Zarz\u0105dzanie przedsi\u0119biorstwem\u00a0<\/h3><\/div><div class=\"expander-content\"><p><strong><strong>Mo\u017cliwo\u015bci doradcze<\/strong>\u00a0<\/strong><br>Agenci borykaj\u0105 si\u0119 z problemami w konwersji lead\u00f3w, a brak analiz i wgl\u0105du w dane pozostawia ich w niepewno\u015bci. Rozszerzaj\u0105c narz\u0119dzia cyfrowe dla agent\u00f3w i priorytetowo traktuj\u0105c wdra\u017canie platform dla inteligentnych agent\u00f3w oraz wsparcia personelu, ubezpieczyciele mog\u0105 pom\u00f3c agentom poprawi\u0107 interakcje z klientami i optymalizowa\u0107 przep\u0142yw pracy.\u00a0<br><strong><strong>Uproszczony proces rejestracji<\/strong><\/strong><br>Posiadacze polis cz\u0119sto czuj\u0105 si\u0119 zagubieni przez z\u0142o\u017cone warunki polis i niejasne korzy\u015bci. Wykorzystuj\u0105c inteligentne technologie, takie jak Gen AI, do szybkiej analizy ryzyka i natychmiastowego wydania polis, ubezpieczyciele na \u017cycie mog\u0105 zoptymalizowa\u0107 proces rejestracji i zwi\u0119kszy\u0107 satysfakcj\u0119 klient\u00f3w, redukuj\u0105c zb\u0119dne punkty kontaktowe.\u00a0<br><strong><strong>Modernizacja technologii dziedzictwa<\/strong>\u00a0<\/strong><br>Technologia dziedzictwa wci\u0105\u017c stanowi problem na rynku ubezpiecze\u0144 na \u017cycie, ograniczaj\u0105c zdolno\u015b\u0107 ubezpieczycieli do spe\u0142niania oczekiwa\u0144 klient\u00f3w, modernizowania system\u00f3w i osi\u0105gania zysk\u00f3w z inwestycji w transformacj\u0119 rdzenia. Nowoczesne systemy chmurowe oferuj\u0105 zaawansowan\u0105 analiz\u0119 danych w czasie rzeczywistym, pomagaj\u0105 poprawi\u0107 ocen\u0119 ryzyka oraz umo\u017cliwiaj\u0105 szybsze wdra\u017canie produkt\u00f3w, co prowadzi do wzmocnienia relacji z klientami.\u00a0<br><strong><strong>Retencja jako strategia<\/strong><\/strong><br>Dobrostan finansowy konsument\u00f3w jest pod presj\u0105, poniewa\u017c poszukuj\u0105 oni wy\u017cszych zwrot\u00f3w i wi\u0119kszej dost\u0119pno\u015bci rynkowej swoich inwestycji. Stwarza to okazj\u0119 dla ubezpieczycieli, by przej\u015b\u0107 z roli dostawc\u00f3w polis na zaufanych doradc\u00f3w finansowych, oferuj\u0105c dopasowane planowanie finansowe, kt\u00f3re pog\u0142\u0119bi zaanga\u017cowanie klient\u00f3w, zmniejszy wska\u017anik utraty klient\u00f3w i pozwoli na utrzymanie kapita\u0142u.\u00a0<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Inteligentny przemys\u0142\u00a0<\/h3><\/div><div class=\"expander-content\"><p><strong><strong>Wzmocnione bezpiecze\u0144stwo<\/strong><\/strong><br>Wraz z rosn\u0105c\u0105 liczb\u0105 integracji z firmami zewn\u0119trznymi i narusze\u0144 danych, ubezpieczyciele wzmacniaj\u0105 swoje wysi\u0142ki w zakresie bezpiecze\u0144stwa, aby chroni\u0107 klient\u00f3w i budowa\u0107 zaufanie. Zwi\u0119kszone \u015brodki cyberbezpiecze\u0144stwa wzmacniaj\u0105 integralno\u015b\u0107 i niezawodno\u015b\u0107 obs\u0142ugi polis, minimalizuj\u0105 szkody wizerunkowe i zmniejszaj\u0105 straty wynikaj\u0105ce z oszustw.\u00a0<br><strong><strong>Rosn\u0105ca rola roszcze\u0144<\/strong>\u00a0<\/strong><br>Zamieszanie zwi\u0105zane z procesem sk\u0142adania roszcze\u0144 jest g\u0142\u00f3wnym czynnikiem frustracji posiadaczy polis. Inwestuj\u0105c w inteligentne platformy do obs\u0142ugi roszcze\u0144, kt\u00f3re upraszczaj\u0105 procesy i poprawiaj\u0105 do\u015bwiadczenia klient\u00f3w, ubezpieczyciele na \u017cycie mog\u0105 oferowa\u0107 spersonalizowane i empatyczne do\u015bwiadczenia w zakresie roszcze\u0144 na du\u017c\u0105 skal\u0119, zwi\u0119kszaj\u0105c satysfakcj\u0119 klient\u00f3w.\u00a0<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-wnioski-nbsp\"><strong>Wnioski&nbsp;<\/strong><\/h2>\n\n\n\n<p>W miar\u0119 jak krajobraz bran\u017cy ubezpiecze\u0144 na \u017cycie zmienia si\u0119 w kierunku wi\u0119kszej personalizacji i rozszerzenia rynku, ubezpieczyciele na \u017cycie ewoluuj\u0105, aby sprosta\u0107 zmieniaj\u0105cym si\u0119 i rosn\u0105cym potrzebom nowoczesnych posiadaczy polis. Wykorzystuj\u0105c narz\u0119dzia cyfrowe, inteligentne technologie i solidne \u015brodki cyberbezpiecze\u0144stwa, ubezpieczyciele na \u017cycie s\u0105 gotowi, by poprawi\u0107 do\u015bwiadczenia klient\u00f3w, chroni\u0107 przed ryzykiem i wspiera\u0107 d\u0142ugoterminow\u0105 odporno\u015b\u0107 biznesow\u0105. Te 10 trend\u00f3w ma kluczowe znaczenie dla okre\u015blenia przysz\u0142o\u015bci bran\u017cy ubezpiecze\u0144 na \u017cycie: organizacje my\u015bl\u0105ce przysz\u0142o\u015bciowo, kt\u00f3re priorytetowo traktuj\u0105 inteligentne rozwi\u0105zania i strategie skoncentrowane na kliencie, b\u0119d\u0105 liderami rynku w przysz\u0142o\u015bci.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-przeksztalc-swoj-biznes-w-branzy-ubezpieczen-na-zycie-dzieki-doswiadczeniu-capgemini-nbsp\"><strong>Przekszta\u0142\u0107 sw\u00f3j biznes w bran\u017cy ubezpiecze\u0144 na \u017cycie dzi\u0119ki do\u015bwiadczeniu Capgemini.&nbsp;<\/strong><\/h2>\n\n\n\n<p>Capgemini jest zaufanym partnerem dla ubezpieczycieli na \u017cycie, kt\u00f3rzy pragn\u0105 wykorzysta\u0107 zaawansowan\u0105 technologi\u0119 ubezpieczeniow\u0105, aby pozosta\u0107 konkurencyjnymi na szybko zmieniaj\u0105cym si\u0119 rynku. Nasze us\u0142ugi doradztwa biznesowego w zakresie ubezpiecze\u0144 \u2013 w tym kompleksowe rozwi\u0105zania dla cyfryzacji agencji, modernizacji danych, migracji system\u00f3w dziedzictwa wspieranej przez AI oraz zintegrowanego zarz\u0105dzania maj\u0105tkiem\/aktywami \u2013 umo\u017cliwiaj\u0105 firmom usprawnienie operacji, redukcj\u0119 koszt\u00f3w i popraw\u0119 zarz\u0105dzania ryzykiem. Dzi\u0119ki wiod\u0105cej na rynku transformacji cyfrowej ubezpiecze\u0144, pozwalamy ubezpieczycielom modernizowa\u0107 systemy dziedzictwa, wykorzystywa\u0107 wgl\u0105dy z danych oraz zwi\u0119ksza\u0107 efektywno\u015b\u0107 operacyjn\u0105 we wszystkich funkcjach.&nbsp;<\/p>\n\n\n\n<p>Odkryj pe\u0142ny potencja\u0142 swojego biznesu dzi\u0119ki wiod\u0105cej transformacji cyfrowej ubezpiecze\u0144 od Capgemini. Skontaktuj si\u0119 z nami ju\u017c dzi\u015b, aby dowiedzie\u0107 si\u0119, jak mo\u017cemy pom\u00f3c Ci sta\u0107 si\u0119 liderem na rozwijaj\u0105cym si\u0119 rynku ubezpiecze\u0144 na \u017cycie.&nbsp;<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader 0046297c-5c0e-449e-9971-c2ae0d615cf2\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire1\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\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<div class=\"bgColor\"><\/div>\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<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Insurance top trends 2025\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tInsurance top trends 2025\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Explore our new Trends Books 2025 series to understand evolving developments across the insurance industry.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tExplore our new Trends Books 2025 series to understand evolving developments across the insurance industry.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\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\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\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\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\" data-maxlength=\"24\" aria-label=\"Read more o Insurance top trends 2025\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t tabindex=\"0\" href=\"https:\/\/www.capgemini.com\/insights\/research-library\/insurance-top-trends-2025\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\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\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\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<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 2x\"\n\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<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=90 2x\"\n\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<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg?w=800&amp;quality=90 2x\"\n\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<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Insurance_Capcom-Banner_2880x1800px.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tobject-position: 50% 50%; object-fit: cover;\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\" \/>\n\n\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<!-- <img decoding=\"async\" class=\"box-img\" src=\"\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\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\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\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-najczesciej-zadawane-pytania-nbsp\"><strong>Najcz\u0119\u015bciej zadawane pytania<\/strong>&nbsp;<\/h2>\n\n\n\n<p><strong><strong>Jak zintegrowany widok klienta mo\u017ce pom\u00f3c ubezpieczycielom na \u017cycie?<\/strong>&nbsp;<\/strong><\/p>\n\n\n\n<p>Dzi\u0119ki zintegrowanemu widokowi klienta ubezpieczyciele na \u017cycie mog\u0105 tworzy\u0107 innowacyjne produkty dostosowane do potrzeb i preferencji klient\u00f3w w zale\u017cno\u015bci od ich wieku lub zmian \u017cyciowych. Umo\u017cliwia to skuteczniejsze dzia\u0142ania cross-sellingowe i upsellingowe oraz zwi\u0119ksza wska\u017anik utrzymania klient\u00f3w.<\/p>\n\n\n\n<p><strong><strong>Dlaczego wzmacnianie bezpiecze\u0144stwa jest wa\u017cne dla ubezpieczycieli na \u017cycie?<\/strong>&nbsp;<\/strong><\/p>\n\n\n\n<p>Rosn\u0105ca zale\u017cno\u015b\u0107 ubezpieczycieli na \u017cycie od zewn\u0119trznych dostawc\u00f3w zwi\u0119ksza potrzeb\u0119 stosowania rygorystycznych praktyk w zakresie cyberbezpiecze\u0144stwa. Wdro\u017cenie narz\u0119dzi opartych na sztucznej inteligencji pozwala na bezpieczn\u0105 wymian\u0119 danych, monitorowanie zagro\u017ce\u0144 w czasie rzeczywistym oraz automatyczne aktualizacje \u2013 co pomaga zapobiega\u0107 rozwijaj\u0105cym si\u0119 zagro\u017ceniom, ogranicza\u0107 straty z tytu\u0142u oszustw i redukowa\u0107 koszty operacyjne dzi\u0119ki wi\u0119kszej efektywno\u015bci i minimalizacji przestoj\u00f3w.&nbsp;<\/p>\n\n\n\n<p><strong><strong>Jak ubezpieczyciele na \u017cycie mog\u0105 usprawni\u0107 procesy likwidacji szk\u00f3d?<\/strong>&nbsp;<\/strong><\/p>\n\n\n\n<p>Ubezpieczyciele na \u017cycie mog\u0105 wykorzystywa\u0107 nowoczesne technologie do analizy danych dotycz\u0105cych szk\u00f3d oraz wspiera\u0107 beneficjent\u00f3w w trudnych momentach, buduj\u0105c zaufanie poprzez spersonalizowan\u0105 pomoc. Empatyczne podej\u015bcie sprzyja budowaniu trwa\u0142ych relacji, zach\u0119caj\u0105c beneficjent\u00f3w do wyboru tych samych ubezpieczycieli przy podejmowaniu przysz\u0142ych decyzji finansowych.&nbsp;<\/p>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How can a unified customer view help life insurers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Insights from a unified customer view enable life insurers to innovate products with needs and preferences aligned with policyholder age or life changes \u2013 leaving scope for targeted cross-selling and upselling opportunities and increased retention rates.\"}},{\"@type\":\"Question\",\"name\":\"Why strengthening security is important for life insurers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For life insurers, increasing reliance on third-party providers heightens the need for stringent cybersecurity practices. 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Learn how insurers are leveraging technology, enhancing customer experiences and modernizing legacy systems.\" \/>\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\/pl-pl\/insights\/biblioteka\/life-insurance-top-trends-2025\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Najwa\u017cniejsze trendy w bran\u017cy ubezpiecze\u0144 na \u017cycie w 2025 roku.\" \/>\n<meta property=\"og:description\" content=\"Explore life insurance industry trends for 2025. 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