波士顿咨询：2023年人寿保险市场六大机遇报告（英文版）（11页）.pdf

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1、Six Big Opportunities in an Evolving MarketWhats on the Minds of Life Insurance Executives 2023OCTOBER 2023Growth is the top challenge for life insurance companiesSources:BCG and LIMRAs 2023 global survey of life insurance executives;BCG analysis.Note:New ways of working was added as a category in 2

2、021.1The challenge appears only once among the top challenges since 2019.Top challenges by year202120192023Change managementCustomer experienceGrowthDistributionInnovation1TechnologyCompetition32%23%22%19%19%18%16%TechnologyInterest rates1GrowthRegulationCustomer experienceChange managementNew ways

3、of working137%26%24%22%21%20%19%GrowthTechnologyTalent management1Change managementProfitability1DistributionRegulation33%28%26%24%23%21%20%Insurers should take advantage of six opportunities to address growth and other key challenges Sources:BCG and LIMRAs 2023 global survey of life insurance execu

4、tives;BCG analysis.123456Focusing the portfolioPersonalizing the journeyHelping advisors to help clientsModernizing technology from front to backPartnering to accelerate innovationAttracting and retaining talentMutual insurance companies have grown their market share,while public companies have focu

5、sed their product portfolioSources:BCG and LIMRAs 2023 global survey of life insurance executives;executive interviews;BCG analysis.Note:pp=percentage point;P&C=property and casualty.1LIMRAs US Retail Individual Life Insurance Sales Survey,20132023,and LIMRAs estimates.FOCUSING THE PORTFOLIOIndividu

6、al life insurance by premiums written1Public companies continue to narrow their product offeringTOP TEN MUTUALS MARKET SHARE(%)TOP TEN PUBLIC COMPANIES MARKET SHARE(%)33432013202210 pp2823201320225 pp202120172022202220232022MetLife spins off its US retail business,which launched Brighthouse Financia