The Future of insurance 2035 : anticipating change, building resilience, and securing long-term relevance

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      <subfield code="a">This report explores how the insurance industry will transform by 2035, driven by AI, demographic change, climate risks, evolving consumer behaviors, and geopolitical uncertainty. It forecasts a 150% increase in global insurance premiums, with strong growth in health, protection, and emerging markets. Insurers are expected to shift from traditional risk-transfer models toward personalized, preventive, and outcome-oriented solutions. AI, digital ecosystems, and real-time data will reshape distribution, underwriting, claims, and customer engagement. Success will depend on innovation, strategic partnerships, and the ability to build resilience while delivering integrated health, wealth, and protection services</subfield>
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