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1、The state of global insurance in 2024Photo by Tarek AlKarsah Kearney,DubaiBut its not only environmental pressures that are rocking the industry.Transformative forces related to political and economic turbulence,societal shifts,and the phenomenal pace of technology development have also combined to

2、upend the insurance landscape,putting portfolios and profitability under even more strain and leaving insurance leaders at a loss about which(figurative)fire to tackle first.In this sort of environment,traditional transformation approaches just arent going to cut it.The world is changing before our

3、very eyes,which means that being resilient to disruption is no longer enough.Instead,the insurer of the future will need to take a more regenerative approach in which continued,systemic transformation becomes the norm.In this paper,we discuss the major trends and uncertainties shaping insurance toda

4、y,outline how these are impacting the insurance value chain,and introduce our six golden rules for leaders as they set out to regenerate their own organizations.Six golden rules for regenerating the insurance business model.To say that insurance is at a tipping point would be an understatement.Sever

5、al mega trends are acting on the industry in four areas,with deep implications across the entire value chain.To meet the moment and ensure their businesses have a future,insurers must move beyond being resilient to disruption.Instead,whats required is the ability to stay nimble and deliver continued

6、,systemic transformationor,as we call it,regeneration.In this paper,we discuss the forces at play,anticipate whats coming down the line,and outline a way forward for leaders through this decade of uncertainty and beyond.On 30 October 2023,fire broke out in California.The Highland fire is not the wor