{"id":536095,"date":"2026-01-14T01:30:00","date_gmt":"2026-01-29T12:14:37","guid":{"rendered":"https:\/\/www.capgemini.com\/pt-en\/?post_type=research-and-insight&#038;p=536095"},"modified":"2026-01-29T12:14:40","modified_gmt":"2026-01-29T12:14:40","slug":"insurance-top-trends-2026","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/pt-en\/insights\/research-library\/insurance-top-trends-2026\/","title":{"rendered":"Insurance top trends 2026"},"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\/2025\/12\/Insurance-Webpage-Banner-2880x1800-1.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/12\/Insurance-Webpage-Banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source 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src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/12\/Insurance-Webpage-Banner-2880x1800-1.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:45% 20%\" 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 class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\"><br>Insurance top trends 2026<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Transform industry challenges into sustainable competitive advantage<\/h2><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\/2025\/12\/Capgemini_Top-Trends-2026_Insurance.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download trends book<\/span><span class=\"type\">3 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\/2026\/01\/Capgemini_Top-Trends-2026_Infographic_Insurance-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download infographic<\/span><span class=\"type\">510 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=\"grid-container\"><div class=\"col-12 col-md-2\"><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><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-top-insurance-trends-for-2026\">Top insurance trends for 2026<\/h2>\n\n\n\n<p>Discover today\u2019s most critical insurance trends and their impact on your organization. The push for stronger engagement, innovation, and customer value is reshaping the insurance landscape. This evolution goes beyond adopting new tools&nbsp;\u2013&nbsp;it&nbsp;represents&nbsp;a fundamental shift in how organizations&nbsp;operate&nbsp;and compete.&nbsp;Find&nbsp;the insights you need to plan effectively and lead with confidence in the year ahead&nbsp;in our trends book.<\/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\/2025\/12\/Capgemini_Top-Trends-2026_Insurance.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download trends book<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-distribution-and-engagement\">Distribution and engagement<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-customer-centricity\">Customer centricity<\/h4>\n\n\n\n<p>With 60% of customers willing to share personal data for tailored coverage, the shift from static to dynamic, personalized models is becoming essential. As competition intensifies, seamless omnichannel engagement and advisory-led interactions will be key differentiators for sustaining trust and lifetime value.\u202f<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-agent-advisor-engagement-nbsp\">Agent\/advisor engagement&nbsp;<\/h4>\n\n\n\n<p>With 67% of&nbsp;under-40&nbsp;consumers&nbsp;seeking digital access alongside advisor support, modernizing workflows is critical.&nbsp;Empowering agents with real-time analytics, unified customer data, and instant quoting tools&nbsp;enables&nbsp;faster, more personalized recommendations that deepen trust and drive premium growth. As competition intensifies, carriers that equip agents with seamless portals and intelligent insights will differentiate through stronger relationships and higher conversion rates.\u202f&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-opening-the-youth-segment\">Opening the youth segment<\/h4>\n\n\n\n<p>Insurers are shifting from traditional life insurance to flexible, lifestyle-linked products that resonate with younger generations. With over 40% of under 40s&nbsp;looking for living benefits \u2013&nbsp;like cash withdrawals for life events, and health and wellness benefits from insurers&nbsp;\u2013 repositioning insurance as an active financial tool is&nbsp;paying dividends. As the largest intergenerational wealth transfer unfolds, carriers who&nbsp;embed living benefits as core&nbsp;value&nbsp;propositions&nbsp;within modular, flexible&nbsp;products&nbsp;will capture loyalty and long-term value.\u202f<strong>&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-collaboration-nbsp-for-customization-nbsp\">Collaboration&nbsp;for customization&nbsp;<\/h4>\n\n\n\n<p>Today\u2019s policyholders expect tailored coverage and consistent communication across touchpoints. To meet these evolving customer demands, insurers need to collaborate with healthcare providers to deliver personalized care pathways, guiding customers to chosen providers. This collaboration reduces service overuse and costs, strengthens trust, and drives better health outcomes&nbsp;\u2013&nbsp;positioning insurers as leaders in customer-centric innovation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-operational-efficiency\">Operational efficiency<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-data-for-intelligence-nbsp\">Data for intelligence&nbsp;<\/h4>\n\n\n\n<p>AI in the insurance industry is changing the game.&nbsp;Insurers are transforming&nbsp;raw data into actionable insights for pricing, risk assessment, and personalized engagement. By integrating internal and external data sources, carriers can predict behaviors, detect fraud, and&nbsp;optimize&nbsp;underwriting with greater precision. As digital ecosystems expand, real-time intelligence becomes essential for delivering customized experiences and sustaining competitive&nbsp;advantage.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-underwriting-evolution\">Underwriting evolution<\/h4>\n\n\n\n<p>Manual, rule-based processes are being replaced by automated, AI-powered underwriting that accelerates decision making and improves accuracy. By leveraging predictive analytics and real-time data, carriers can offer instant quotes, dynamic risk assessment, and personalized coverage. Efficient underwriting is on its way to becoming an essential element for competitive advantage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-focus-on-value\">Focus on value<\/h4>\n\n\n\n<p>Escalating healthcare costs, fragmented care delivery, and rising demand for improved patient outcomes are prompting insurers and providers to pursue value-driven models. To keep pace, insurers are leveraging interoperable provider data and advanced analytics to integrate shared accountability, clear metrics, and aligned incentives into provider agreements \u2013 enhancing cost control, profitability, and value.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-climate-and-catastrophe-resilience-nbsp\">Climate and catastrophe resilience&nbsp;<\/h4>\n\n\n\n<p>Escalating healthcare costs, fragmented care delivery, and rising demand for improved patient outcomes are prompting insurers and providers to pursue value-driven models. To keep pace, insurers are leveraging interoperable provider data and advanced analytics to integrate shared accountability, clear metrics, and aligned incentives into provider agreements \u2013 enhancing cost control, profitability, and value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-technological-innovation\">Technological innovation<strong> <\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-legacy-modernization-nbsp-nbsp-nbsp\">Legacy modernization&nbsp;&nbsp;&nbsp;<\/h4>\n\n\n\n<p>The shift away from&nbsp;outdated core systems&nbsp;in favor of&nbsp;cloud-native platforms&nbsp;continues. By&nbsp;modernizing core systems and simplifying rigid architectures&nbsp;through cloud-native, GenAI solutions, carriers can launch new products faster and reduce operational costs. As digital demands rise,&nbsp;legacy&nbsp;modernization&nbsp;and digital transformation in insurance&nbsp;become essential for resilience and competitive advantage.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-ai-transformation-at-scale\">AI transformation at scale<\/h4>\n\n\n\n<p>2026 is the year that AI starts to drive serious value.&nbsp;By moving beyond pilots and scaling AI across&nbsp;underwriting, claims, and customer engagement, the insurance industry&nbsp;will&nbsp;unlock&nbsp;better&nbsp;efficiency and personalization. As adoption matures,&nbsp;enterprise-wide AI will empower insurers to act in real time and proactively manage risks, driving improved performance and sustainable growth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-today-s-insurance-industry-trends-are-tomorrow-s-reality\">Today\u2019s insurance industry trends are tomorrow\u2019s reality<\/h3>\n\n\n\n<p>The&nbsp;insurance&nbsp;industry is entering a transformative era where technology is&nbsp;more than&nbsp;an enabler \u2013&nbsp;it\u2019s&nbsp;the foundation for resilience, growth, and trust. In 2026,&nbsp;distribution and engagement, enhanced operations and technological innovation&nbsp;will redefine how institutions&nbsp;operate&nbsp;and engage with customers.&nbsp;<\/p>\n\n\n\n<p>The future belongs to those who act boldly,&nbsp;leveraging&nbsp;innovation not only to&nbsp;optimize&nbsp;operations but to unlock new opportunities.&nbsp;For more on the&nbsp;insurance&nbsp;trends that will define the coming year, download our full&nbsp;trends book.&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\/2025\/12\/Capgemini_Top-Trends-2026_Insurance.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download trends book<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transform-your-insurance-business-with-capgemini-s-expertise\">Transform your insurance business with Capgemini\u2019s expertise<\/h3>\n\n\n\n<p>Capgemini is a trusted partner for&nbsp;insurance&nbsp;institutions&nbsp;seeking&nbsp;to make their technology and business aspirations real. Our&nbsp;expertise in&nbsp;process efficiency, technology transformation, and&nbsp;the industry landscape empowers firms to adapt to complex market environments, access the full&nbsp;benefit of data and AI, and enhance customer experience. Through industry-leading financial digital transformation, we enable firms to modernize legacy systems and drive operational excellence.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Turn your goals into&nbsp;real business&nbsp;value with Capgemini. Contact us today to discover how we can help you lead in the evolving&nbsp;insurance&nbsp;landscape.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-cg-blocks-autocloud-form undefined autocloudform\"><div class=\"section--autoCloud-form\"><div class=\"wrapperAutoCloudSection\" id=\"linkToForm\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12 col-lg-6 left-img align-self-center escaper-left\"><\/div><div class=\"col-md-12 \"><div class=\"autoCloudForm\"><h3 class=\"formHelpText\">Contact us<\/h3>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_1189036_710470760\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"1189036\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"9d37d73b70\" \/>\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\t\t\t\t<p>Thank You! 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books 2026 series to understand evolving developments across the financial service 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 trends books 2026 series to understand evolving developments across the financial service 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\t\t<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"Read more about Financial services top trends 2026\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\" 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