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1、Executive PerspectivesJanuary 2026Life Insurance&AnnuityAI-First Companies Win the Future2Copyright 2025 by Boston Consulting Group.All rights reserved.IntroductionWe meet often with CEOs to discuss AIa topic that is both captivating and rapidly changing.After working with over 2,000 clients for

2、 more than two years,we are sharing our most recent insights in a new series designed to help CEOs navigate AI.With most sectors going through major shifts,the focus in 2026 is on how to leverage generative and agentic AI to fully transform organizations and create new sources of competitive advanta

3、ge.In this edition,we explore the future of the life insurance and annuity industry and how GenAI and agentic AI are poised to accelerate growth.The opportunity is significantindustry projections suggest a 15%22%annual profit uplift by 2028,with further upside from untapped opportunities and improve

4、d investment performance.We address key questions on the minds of executives:Why should a life and annuity(L&A)company rethink and prioritize its GenAI and agentic AI transformation now?What will an AI-first L&A company look like in three to five years?How do we become an AI-first L&A co

5、mpany?This guide is focused on creating a clear view of the future of a L&A company and laying out the actions that executives can take today.2In this BCG Executive Perspective,we articulate the vision of the AI-first life insurance and annuity company23Copyright 2025 by Boston Consulting Group.

6、All rights reserved.Executive summary|AI-first insurers are outperforming their peersand the gap will continue to widenAI-first insurers can own the next decade of growth by rebuilding the business around people and purpose:Leaders in AI are realizing tangible gains with 1.6 times annual revenue gro