Life insurance distribution : evolving without converging

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<rdf:Description>
<dc:creator>Swiss Re Institute</dc:creator>
<dc:date>2026</dc:date>
<dc:description xml:lang="es">Sumario: The report examines how life insurance distribution is evolving within country-specific ecosystems rather than converging to a single model. It finds independent intermediaries gaining share where advice needs are complex, while bancassurance remains strong in markets with integrated banking relationships. Scale and consolidation are shifting bargaining power toward large distributors; regulation emphasizes advice quality and value for money. Ageing populations and defined contribution decumulation increase the value of advice and competition for retirement assets, wealth transfer, and long-term care solutions. Technology and AI are strengthening existing channels by improving lead quality, adviser productivity, underwriting speed, onboarding, and post-sale engagement, and may bring underwriting closer to the point of sale. The ultimate outcome is likely more competition over customer access, with customers benefiting from reduced friction, better products, and more integrated later-life solutions.</dc:description>
<dc:identifier>https://documentacion.fundacionmapfre.org/documentacion/publico/es/bib/196794.do</dc:identifier>
<dc:language>eng</dc:language>
<dc:publisher>Swiss Re Institute</dc:publisher>
<dc:rights xml:lang="es">InC - http://rightsstatements.org/vocab/InC/1.0/</dc:rights>
<dc:subject xml:lang="es">Canales de distribución</dc:subject>
<dc:subject xml:lang="es">Distribución de seguros</dc:subject>
<dc:subject xml:lang="es">Seguros de vida</dc:subject>
<dc:subject xml:lang="es">Inteligencia artificial</dc:subject>
<dc:subject xml:lang="es">Mediación de seguros</dc:subject>
<dc:subject xml:lang="es">Economía plateada</dc:subject>
<dc:subject xml:lang="es">Planificación financiera</dc:subject>
<dc:subject xml:lang="es">Bancaseguros</dc:subject>
<dc:type xml:lang="es">Libros</dc:type>
<dc:title xml:lang="es">Life insurance distribution : evolving without converging</dc:title>
<dc:title xml:lang="es">[Sigma No 4 /2026]</dc:title>
<dc:format xml:lang="es">40 p.</dc:format>
<dc:coverage xml:lang="es">Ámbito geográfico: Internacional</dc:coverage>
<dc:description xml:lang="es">Executive summary -- Key takeaways -- Life insurance distribution: evolving without converging -- Value capture and shifting power along the distribution chain -- The distribution opportunity in the silver economy -- AI and technology are reshaping life insurance distribution -- Appendix 1 -- Appendix 2</dc:description>
</rdf:Description>
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