作者： Karl Hersch（德勤副主席兼美国保险业务负责人， 美国）, James Colaço （战略合伙人，德勤全球 保险业务负责人，加拿大）; Michelle Canaan （德勤金融服务中心保险研究负责人，美国）; Jim Eckenrode （德勤金融服务中心主管、董事总经理、Deloitte Services LP， 美国） 声明：本系列文章基于原期刊目录和摘要内容整理而得，仅限于读者交流学习。如有侵权，请联系 删除。 本文基于以下论文整理而得： https://www.deloitte.com/us/en/insights/industry/financial-services/financial-services-industry- outlooks/insurance-industry-outlook.html 2025全球保险业展望： 运营模式革新，塑造行业未来 【本期看点】 ● 非寿险 ：短期业绩改善依赖费率上调和理赔管理优化，但长期仍受通胀、社会诉讼、地缘政治和 气候风险制约。 ● 寿险与年金 ：高利率环境刺激销售，但长期增长需依靠核心系统现代化、流程优化与数字化。美 国寿险保障 ...

Investment Rating - The report does not explicitly provide an investment rating for the insurance industry Core Insights - The insurance market is undergoing significant transformation, with only 30% of companies actively pursuing digital transformation to enhance customer experience and service [6] - Embedded insurance is emerging as a key business model, allowing insurance products to be integrated into third-party experiences, which is expected to drive growth in the sector [7][21] - The rise of ecosystems and platforms is reshaping the insurance landscape, with projections indicating that ecosystem economies will account for 30% of global revenue by 2025 [9][17] Summary by Sections 1. Introduction - The insurance industry faces unprecedented challenges due to evolving customer touchpoints, changing product expectations, and intense competition [6] 2. Insurance Everywhere - The insurance sector has lagged in digitalization compared to other industries, but recent efforts are being made to modernize products and services [7] - The integration of insurance into various platforms is crucial for reaching consumers through new channels [9] 3. Opportunities - Increased integration between financial systems and policy creation is making insurance a vital component of many industry processes [11] - Embracing technology is essential for insurance companies to offer comprehensive and personalized policies [11] 4. New Business Models of Embedded Insurance - The global embedded insurance market is projected to reach $3 trillion by 2030, indicating a significant expansion of market boundaries [21] - Embedded insurance allows for seamless integration into purchasing processes, enhancing accessibility for consumers [21] 5. Personalization of Insurance - There is a growing demand for seamless and personalized sales experiences in insurance, necessitating simple and intuitive product designs [24][28] 6. Expanding Multi-Channel Combinations - Modern consumers expect a seamless experience across all touchpoints, yet many insurance companies still rely on outdated technologies [27][29] 7. Leveraging Cloud Potential - Cloud computing is identified as a major accelerator for the insurance industry, enabling faster processes and product development [31] - A significant portion of insurance companies plan to migrate their infrastructure to the cloud in the coming years [33] 8. Exploring SaaS Potential - Transitioning to a Software as a Service (SaaS) model can enhance agility and responsiveness to market demands [36] 9. AI and Advanced Technologies - The adoption of AI in the insurance sector is still limited, with only a small percentage of companies investing in this technology [38] 10. Winning New Rules - The future of the insurance industry will focus on providing value and integrating more deeply into consumers' daily lives [43][44] 11. SAP Fioneer Solutions - SAP Fioneer offers cloud-native solutions that enhance scalability and flexibility for insurance companies, enabling them to innovate rapidly [46]