建立合作伙伴关系以促进销售增长.pdf

1、Partnerships to Promote Sales GrowthMatthew Hughes,SCOR Global LifeEjiro Ovie-Ogodo,Dai-ichi Life Insurance North AmericaAgenda Large Un(der)insured Community Why?Innovative Approaches Leveraging Third-Party Capabilities The Life Insurer Perspective The Reinsurer Perspective CaveatsState of the US L

2、ife Market Reached a Milestone in 2024:$2+Trillion in Face Amount Issued Average Policy Sizes Continue to Increase(Face Amount Issued Up,Policies Issued Down)“Each year,more than 100 million U.S.adults say they need life insurance yet year after year few actually buy coverage.”“Unlocking Growth:How

3、Carriers Can Improve Efforts to Engage Underinsured Consumers.”LIMRA LinkedIn Webinar,04/25/2025.Un(der)insured Market 2001:LIMRA Publishes“Trillion Dollar Baby”-$14Trn of Unmet Life Insurance Need 2024:LIMRA Estimates$12Trn in Life Insurance Needs Still Unmet Generational ShiftReferencesTrillion Do

4、llar Baby.2 Ed.LIMRA,2004.Trillion Dollar Baby Growing Up.LIMRA,9/6/20112024 Insurance Barometer Survey,LIMRA,7/15/2024.Underinsured Market Why?ConsumersOverestimate cost of coverageOverwhelming complexityUnderwriting intimidationTime from application to decision/issueBuyers remorseLargely Middle Cl

5、ass much more sensitive to macro eventsSince Original ReportDemographic changes from Boomers to MillennialsLifestyle changesCarriers/ProducersHighly focused on Mass Affluent,HNWInsurers do not“own”customers;producer attrition/orphansConcerns with disintermediationAntiquated compensation structure bi

6、ased against Middle ClassSince Original ReportStrong investment in“Accelerated Underwriting,”digitizationReignited interest in Final Expense,PreneedExperimenting with“leveling commissions”More engaged with outside partners to enhance sales scopeRegulation Balancing Access with Protection Foremost th