Future risks report
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<subfield code="a">Overview -- Foreword from Thomas Buberl -- Executive summary -- About the research -- Global top 10 emerging risks according to experts in 2025 -- Evolution of the experts' top 10 future risks -- Global top 10 future risks: experts vs general population -- 2025 expert's risks rankings by geography -- Opinion: Building resilience in a fragmented world -- Fragmentation -- A world of rising polarizations -- Fragmentation, trust, and democracy -- Opinion: Insurance, the new seamstress in town -- Risk 1. Climate change -- Climate change is increasingly crowded by other anxieties -- The paradox of climate concern: short-term fear trumps long-term planning -- Interview: Knowledge is power -- Climate adaptation and resilience at the heart of AXA -- Opinion: Climate change, amplifying, accelerating and engendering new risks -- Risk 2. Geopolitical instability -- The enduring threat of geopolitical instability -- Europe and US at a tipping point -- Opinion: Why are we seeing a resurgence in interest in Geopolitical Risk? -- AXA's unique approach to geopolitical risks -- Risk 3. Cybersecurity -- A growing vulnerability to cybersecurity -- The nexus of cyber threats and geopolitical instability -- Interview: Cybersecurity at the crossroads of technology trust and geopolitics -- Risk 4. AI and big data -- AI risks are evolving alongside opportunities -- Interview: Building smart insurance -- Opinion: Driving protection and resilience in an era of tech mistrust -- Risk 5. Social tensions -- Social tensions are challenging authorities and democracy -- Addressing women's feeling of vulnerability -- Risks 6 to 9 -- Risk 6. Natural resources and biodiversity -- Risk 7. Macroeconomics -- Opinion: Cracks in the blocks -- Risk 8. Energy risks -- Risk 9. Financial stability risks -- Demographics -- The demographic problem: a ticking time bomb with multiple impacts -- The growing threat of healthcare and pension system collapse -- Risks under the radar -- The future of insurance -- Interview: Pushing the boundaries of insurability</subfield>
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<subfield code="a">This report explores the most pressing global risks as perceived by insurance experts and the general public, highlighting a world increasingly shaped by fragmentation, polarization, and distrust in institutions. It identifies the top emerging threatsincluding climate change, geopolitical instability, cybersecurity, AI and big data, social tensions, and demographic shiftsand emphasizes how these risks are interconnected and accelerating. The report underscores the growing complexity of managing risks in a polycrisis era, where technological advances, environmental degradation, and social divides compound vulnerabilities. It also stresses the vital role of insurers not just in mitigating and transferring risk, but in fostering resilience, prevention, and inclusive protection. Through data-driven insights, expert interviews, and global survey results, AXA calls for stronger international cooperation, public-private partnerships, and a shift from reactive to proactive risk management to build a safer, more sustainable future</subfield>
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