2026年全球保险行业展望解读（24页附下载）

Introduction - The report by Deloitte analyzes the major trends, challenges, and opportunities facing the global insurance industry by 2026, highlighting the impact of economic volatility, geopolitical instability, and natural disasters on the market [1][29]. Property and Casualty Insurance (P&C) - The global premium growth in P&C insurance is expected to slow down due to intensified market competition and weakened rate growth, with emerging markets particularly affected by economic slowdowns [2][32]. - Advanced technologies like AI and geospatial analysis are aiding insurers in accurately predicting and minimizing losses across various insurance types [3][37]. - Insurers are encouraged to adopt agile capital strategies, utilizing third-party reinsurance and catastrophe bonds to enhance capital flexibility [4][36]. Life and Annuity Insurance (L&A) - Global life insurance growth is slowing, particularly in developed markets, while emerging markets present growth opportunities due to expanding middle-market segments [5][38]. - Annuity products are experiencing strong growth, with sales expected to reach $432.4 billion in 2024, driven by innovative product offerings and strategic alliances with alternative asset management firms [6][40]. - Insurers are forming partnerships to diversify revenue streams and enhance traditional product offerings, particularly in non-traditional service areas [6][43]. Group Insurance - Group insurance growth is projected to slow due to tightening labor markets and rising healthcare costs, impacting traditional employer-sponsored benefit plans [7][47]. - Insurers are introducing innovative products that integrate annuities into retirement benefit plans to meet diverse workforce needs [8][49]. - Digital interaction capabilities are essential for insurers to provide seamless service experiences and connect effectively with employer platforms [9][50]. AI Success Factors - Insurers must focus on data quality, system modernization, and security to successfully implement AI applications [10][53]. - Modernizing legacy systems and establishing robust data management practices are critical for integrating AI into business operations [11][55]. - A strong emphasis on cybersecurity and the selection of reliable third-party vendors is necessary to maintain customer trust and protect sensitive data [12][59]. Human-Machine Collaboration - Successful digital transformation in the insurance industry hinges on effective human-machine collaboration, requiring a reevaluation of employee skills and the creation of a modern employee value proposition [13][61]. - Companies need to attract and retain talent capable of adapting to evolving roles and leveraging AI tools effectively [14][63]. Enhancing Customer Experience - A customer-centric approach that integrates digital and human service touchpoints is vital for delivering empathetic and seamless service experiences [15][20]. - Insurers should adapt service channels based on customer intent and behavior to improve satisfaction and reduce service costs [16][20]. Policy Implications - The "One Big Beautiful Bill Act" introduces tax incentives and regulatory uncertainties that insurers must navigate to ensure compliance and capitalize on potential benefits [17][18]. - Insurers need to establish data collection processes to meet compliance requirements related to tax modeling and reporting [18][18]. Strategic Collaboration - Building strategic networks with technology providers and reinsurers is essential for sharing risks and developing innovative products and services [19][19]. - Insurers should prioritize customer needs and integrate digital and human service channels to enhance overall service delivery [20][20]. Digital Foundation - Investment in data quality and core system modernization is crucial for scaling AI applications and fostering a culture of innovation within the industry [21][21].