{"id":711998,"date":"2024-01-18T06:19:55","date_gmt":"2024-01-18T11:19:55","guid":{"rendered":"https:\/\/www.capgemini.com\/us-en\/?post_type=research-and-insight&#038;p=711998"},"modified":"2025-08-20T23:56:18","modified_gmt":"2025-08-21T04:56:18","slug":"a-customer-centric-business-model-unlocks-value-for-insurers","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/a-customer-centric-business-model-unlocks-value-for-insurers\/","title":{"rendered":"A customer-centric business model unlocks value for insurers"},"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\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/A-customer-centric-business-model-unlocks-value-for-insurers-2880x1800px.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 13%\" 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\">A customer-centric business model unlocks value for insurers<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Customer-centric-business-model-in-Insurance-final.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download our PoV<\/span><span class=\"type\">2 MB  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=968211\" 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=968211&amp;text=A%20customer-centric%20business%20model%20unlocks%20value%20for%20insurers\" 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=968211&amp;text=A%20customer-centric%20business%20model%20unlocks%20value%20for%20insurers\" 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<h3 class=\"wp-block-heading\" id=\"h-when-you-put-the-customer-first-you-take-ownership-of-the-client-relationship-and-maximize-its-value-and-profit-for-your-business\">When you put the customer first, you take ownership of the client relationship and maximize its value and profit for your business.<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">In brief<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A customer-centric business model reduces acquisition costs and loss ratios, and raises retention rates and revenue per customer.<\/li>\n\n\n\n<li>Putting the customer first requires a strategic transformation, operational and cultural change, an investment in full-range product availability, and the adoption of streamlined technology.<\/li>\n\n\n\n<li>New technology, partnering with carriers and change management are critical steps to redesigning your infrastructure to focus on the customer.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Customer acquisition is arguably one of the steepest and most costly hurdles for a business, and insurance companies are no exception. Organizations spend on average five times more to <a href=\"https:\/\/www.propertycasualty360.com\/2021\/09\/07\/how-data-analytics-convert-insurance-prospects-to-customers\/?slreturn=20230909150220\" target=\"_blank\" rel=\"noreferrer noopener\">acquire a new customer than to retain an existing one.<\/a> Plus, the likelihood of selling more to an existing customer who already knows and trusts your brand is <a href=\"https:\/\/www.forbes.com\/sites\/forbesagencycouncil\/2020\/01\/29\/the-value-of-investing-in-loyal-customers\/?sh=4c4a25db21f6\" target=\"_blank\" rel=\"noreferrer noopener\">14 times greater than selling to a new customer.<\/a><\/p>\n\n\n\n<p>How can life insurance companies maximize customer retention and sales across all of its lines of business? The answer can be found in the way your life insurance carrier is structured.<\/p>\n\n\n\n<p>Insurance companies have traditionally structured their businesses around product offerings and coverage lines, which doesn\u2019t encourage the purchase of multiple lines of coverages simultaneously. Life insurance carriers must swim upstream against a current they\u2019ve created to retain customers and try to meet their insurance needs across a spectrum. &nbsp;<\/p>\n\n\n\n<p>When insurers adopt a customer-centric business model, though, they benefit from lower acquisition costs and loss ratios, higher retention rates and revenue per customer. The savings are two-fold:<\/p>\n\n\n\n<ol style=\"list-style-type:1\" class=\"wp-block-list\">\n<li><strong>Expenses per policy sold<\/strong> decline when the customer purchases more of your products, because acquisition costs are spread across lines, hit rates are increased for additional lines, and customers are more likely to remain with the insurer, increasing retention as a result.<\/li>\n\n\n\n<li><strong>Loss ratios <\/strong>decrease because of improved pricing and underwriting eligibility criteria and because of improved claims outcomes, enabled by data use across lines.<\/li>\n<\/ol>\n\n\n\n<p>Business models built around the customer benefit every carrier type. The upside is compounded and far-reaching for the group insurance market, as there are several natural entry points that can lead to multiple product purchases. And businesses welcome opportunities to promote employee morale and loyalty; being able to easily manage home, disability, life and health insurance with a single paycheck deduction is a huge value-add for their employees.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How do you redesign for customer centricity?<\/h4>\n\n\n\n<p>Any foundational organizational change requires a significant investment of time and resources, but your commitment to putting the customer first can yield great profits. To do so, you will need to address four major areas:<\/p>\n\n\n\n<ol style=\"list-style-type:1\" class=\"wp-block-list\">\n<li>A <strong>strategy transformation to adopt a customer-centric business model<\/strong> that maximizes customer ownership.<\/li>\n\n\n\n<li>An <strong>operational and cultural change to enforce a customer-centric operating model<\/strong> that facilitates customer engagement.<\/li>\n\n\n\n<li>An <strong>investment in full-range product availability<\/strong> by either manufacturing or sourcing product lines as desired.<\/li>\n\n\n\n<li>The <strong>adoption of streamlined and agile technology<\/strong> that provides ease of use for the customer and data and process centricity for the carrier.<\/li>\n<\/ol>\n\n\n\n<p>Between vehicles, residences, health, travel, inheritance, and retirement, customers need a lot of protection, and the carrier must act as a conduit to the solutions. But that doesn\u2019t mean you have to supply auto, home, personal property, major medical, travel, disability, life and annuity all under your roof.<\/p>\n\n\n\n<p>Consider the Amazon business model. They\u2019ve become a giant not by fulfilling every order themselves, but by owning the customer relationship and ensuring all orders are filled, either with their products or, via an external partner. Like Amazon, insurers must find ways to give customers a one-stop-shop with seamless purchase experiences across a broad spectrum of coverage lines.<\/p>\n\n\n\n<p>Whether the carrier writes the product, transfers the risk to a partner, or acts as an agent for another carrier, insurers can take ownership of deep relationships with their insureds by simply maximizing the insurance products distributed to each customer.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Customer-centricity-figure-01-v2.png?w=960\" alt=\"\" class=\"wp-image-975758\"\/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Three ways to create a customer-focused organization<\/h4>\n\n\n\n<p>Carriers who seek to remain relevant to today and tomorrow\u2019s consumers must take a step back and reshape their company\u2019s infrastructure to be customer focused.<\/p>\n\n\n\n<p>Most organizations vertically silo employees, data, marketing, and product development into product pillars. To achieve customer centricity in your business, you\u2019ll need to employ a horizontal organizational structure, across all types of insurance, with individual products falling underneath.<\/p>\n\n\n\n<p>When shifting your infrastructure to a customer-first model, consider these three steps:<\/p>\n\n\n\n<ol style=\"list-style-type:1\" class=\"wp-block-list\">\n<li><strong>Technology must be consumer focused<\/strong><br><br>Your underlying software works behind the scenes to efficiently knit together processes and outcomes for both your business and your customers. Technology that\u2019s designed around products will never allow you to break free of the siloed chains that keep your organization from seamlessly meeting customers where they are with the experience that they\u2019re looking for, while supporting your backend and organizational efforts to produce profitable and timely outcomes. Once you\u2019ve adopted a fundamental consumer-centric model, it\u2019s imperative that this flows all the way down to the data analytics, tracking, and systems used in your software. <\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/11\/Customer-centricity-Figure_02-v2.png?w=960\" alt=\"\" class=\"wp-image-975759\"\/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Strategic partnerships with outside carriers will enable you to meet more needs.<\/strong><br><br>Engage in mutually beneficial collaborations with other like-minded carriers to distribute their products to your customers. If your group benefits don\u2019t include pet or life insurance, for example, your customers\u2019 needs continue going unmet and you\u2019re leaving money on the table. But you don\u2019t have to create your own products and assume all the risk to achieve customer centricity. Finding the right partner and acting as the agent allows you to become the intermediary in the transaction while someone else assumes the risk. Altogether, this allows you to own the customer relationship across business lines.<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Implement meaningful change management to guide your transformation.<\/strong><br><br>It\u2019s time to shift your mindset on how to measure the success of product sales. The goal is no longer to maximize the profit and loss for individual product lines, but rather to maximize it for customer segments. Instead of asking \u201cHow do we write as much disability as possible?\u201d the question now becomes \u201cHow many product lines could we sell to average Joe Smith in our target market?\u201d When your customer profile becomes more sophisticated, you start evaluating what customers will need in their total risk transfer. Your new goal becomes clear: sell as many products as possible within each customer lifecycle.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\">In conclusion<\/h4>\n\n\n\n<p>Reimagining your organizational structure to put the customer first may be daunting. But with the right technology, partnerships and organizational change management, this transformation can unlock waves of untapped potential for any insurance business \u2014 across all business lines. &nbsp;<\/p>\n\n\n\n<p>For life insurance carriers, there is an immediate need to gain market share and loyalty. As the silver generation is expiring, the population in younger generations is smaller, and the triggers to buy life insurance in North America \u2014 marriage, children and home purchases \u2014 are either happening much later in life or not happening at all.<\/p>\n\n\n\n<p>Putting the customer first can change the game for life insurance carriers in every way. In addition to benefitting from lower acquisition costs and loss ratios, earning higher retention rates and revenue per customer, you\u2019ll also be able to be a one-stop-shop for those that need you the most \u2014&nbsp;the true promise of a life insurance carrier.<a id=\"_msocom_1\"><\/a><\/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 experts<\/h3><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\n\n\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\/us-en\/wp-content\/uploads\/sites\/30\/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=\"#WPBa893164a_21b6_46c9_bc55_3f82e5003871\" 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=\"#WPBa893164a_21b6_46c9_bc55_3f82e5003871\" 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. 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\/>\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\/2022\/09\/WLIR-2023-banner.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/WLIR-2023-banner.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\/2022\/09\/WLIR-2023-banner.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" 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\tstyle=\"\" 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-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Explore our Solution<\/h2><\/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\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.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=\"Life, annuities, and benefits\" href=\"\/industries\/insurance\/life-annuities-benefits\/\" target=\"_blank\" rel=\"noopener noreferrer\"><h4>Life, annuities, and benefits<\/h4><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>When you put the customer first, you take ownership of the client relationship and maximize its value and profit for your business.<\/p>\n","protected":false},"author":33,"featured_media":711999,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"9a5544df-9e8f-4144-a68d-b1ab5bc8bb06\",\"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":294,"primary_term":"Customer first","featured_focal_points":""},"tags":[],"research-and-insight-type":[85],"theme":[294],"brand":[],"service":[45],"industry":[545,70],"partners":[],"content-group":[],"class_list":["post-711998","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-point-of-view","theme-customer-first","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>Customer-Centric Model: Value for Insurers<\/title>\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\/us-en\/insights\/research-library\/a-customer-centric-business-model-unlocks-value-for-insurers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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