2026 global insurance outlook : changing customer expectations, broker consolidation, and the importance of modernization could reshape the insurance landscape

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      <subfield code="a">P&C insurers turn to advanced technology, agile capital models, and alternative revenue streams -- Many L&A carriers secure strategic alliances to fight slowing growth -- Unique offerings and digital engagement can boost group insurance -- AI success largely depends on data quality, system modernization, and robust security -- Adopting AI is not enough; human-AI collaboration could be key to successful digital transformation -- Insurers can enhance customer experience with collaborations, the right channel, and empathy -- The One Big Beautiful Bill Act offers tax advantages as well as uncertainties to insurers -- The time is now to walk the talk</subfield>
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      <subfield code="a">The document highlights that insurers face mounting uncertainty from economic volatility, climate risks, and shifting customer expectations, requiring a fundamental transformation of business models. Property and casualty carriers are moving beyond a hard market toward margin pressure, leveraging advanced technology, agile capital models, and alternative revenue streams. Life and annuity insurers are combating slowing growth through strategic alliances, private equity convergence, and innovative distribution strategies, while group insurance seeks differentiation via tailored offerings and digital engagement. Across all segments, success hinges on modernizing core systems, improving data quality, and scaling AI responsibly, complemented by humanAI collaboration to reinvent workforce models. Customer-centricity, omni-channel strategies, and empathetic service are critical for retention, while regulatory changes such as the One Big Beautiful Bill Act introduce tax complexities. The report urges insurers to invest in modernization, talent transformation, strategic partnerships, and proactive risk management to thrive in an increasingly digital, fragmented, and risk-intensive environment</subfield>
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