1、2026 global insurance outlookDeloitte Center for Financial ServicesChanging customer expectations,broker consolidation,and the importance of modernization could reshape the insurance landscape12026 global insurance outlooksntento cf oe lbaT02.Introduction03.P&C insurers turn to advanced technology,a
2、gile capital models,and alternative revenue streams05.Many L&A carriers secure strategic alliances to fight slowing growth07.Unique offerings and digital engagement can boost group insurance 09.AI success largely depends on data quality,system modernization,and robust security10.Adopting AI is not e
3、nough;human-AI collaboration could be key to successful digital transformation12.Insurers can enhance customer experience with collaborations,the right channel,and empathy13.The One Big Beautiful Bill Act offers tax advantages as well as uncertainties to insurers14.The time is now to walk the talk22
4、026 global insurance outlookWhat happens when the hard market endsbut the pressure doesnt?Is life insurance growth losing steamor just shift-ing shape?What will set group insurers apart in a slowing market?Can insurers scale artificial intelligence without fixing the foundations first?What will it t
5、ake to build an insurance workforce that thrives with AI?What happens when policyholders expect more than a payout?Are insurers ready to navigate the tax shake-up under the One Big Beautiful Bill Act?IntroductionHeading into 2026,there is little doubt insurers are entering an era of considerable unc
6、ertaintyfrom economic and geopolitical vola-tility to the increasing frequency and severity of catastrophic events.At the same time,clearly defined boundaries are blurring,distributors are consolidating and refash-ioning,and the technology landscape continues to alter business models.Layered onto th
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