凯捷：2023年世界人寿保险报告（中译版）（32页）.pdf

1、World Report Series 2023Life InsuranceHOW TRUST AND ENGAGEMENT CAN UNLOCK GROWTH FOR INSURERSTHE AGING WELL OPPORTUNITY CONTENTSForeword 3Executive roundtable participants 4Executive summary 5The impact of increased life expectancy on insurance 6The role of insurers in enabling customers to age well

2、 12Strengthen engagement to protect assets and boost growth 19Conclusion 23Methodology 24Partner with Capgemini 25Ask the experts 26World Life Insurance Report 20232FOREWORDToday,human beings are living longer and healthier lives.By 2050,the over-50 population will reach 3.2 billion,or 33%of the wor

3、lds total population.For individuals,increased longevity is good news.But strained government finances and a growing retirement protection gap mean the responsibility to age well is increasingly shifting to individuals.As people live longer,the impact of an aging population on the life insurance mar

4、ket landscape will be significant.Capgeminis World Life Insurance Report 2023 explores how this unprecedented societal shift opens opportunities for life and annuities insurers,retirement advisors,pension providers,brokers,managing general agents(MGAs),and agents.Most individuals at age 65 or older

5、dont have a financial advisor and are unprepared in their inheritance planning even as historys most significant intergenerational wealth transfer is about to begin.Insurers have reasons for concern:today,65+-year-old policyholders control 40%of insurers assets under management,and by 2040 they will

6、 transfer most of these assets to beneficiaries.Our report outlines steps for insurers to build a unified value proposition to help individuals age well.Effective ecosystem partnerships will integrate protection,retirement,and health solutions focused on customer needs.Our insights aim to help insur