2025年保险行业十大行动指南（英）

GROWTH, RELEVANCE, RESILIENCE10 to do’s for Insurance CEOs in 2025Reinventing Insurance Series© Oliver Wyman2Growth, Relevance, ResilienceTHE MANY URGENCIES AHEAD IN 2025We are optimistic as we look forward to 2025. There is an urgency and momentum to change across the industry that has been building over several years, and we are excited to see it take shape. We are anticipating a wave of bolder organic and inorganic moves focused on driving growth, regaining relevance, and building resilience.Life insurers are increasingly mobilizing around the asset management-led insurer model, asset managers are responding to the public-to-private shift, and property and casualty (P&C) carriers are reorienting for growth in a moderating rate environment. Macroeconomic pressures, geopolitical tensions and demographic shifts are further accelerating the need for reinvention. Meanwhile, more attention is being paid to developing solutions that address large unmet customer needs.In this third edition of our annual provocation to C-suite executives, we propose 10 actions to keep up the pace and drive reinvention in the insurance industry. While these are relevant to insurance leaders across the globe, we appreciate that nuances and variance exist across regions as well as industry sub-segments, leading to different implications and degrees of applicability.© Oliver Wyman3Growth, Relevance, Resilience10 TO DO’S FOR INSURANCE CEOS IN 20251BETTER PROMOTE WHAT THE INDUSTRY STANDS FORIn a world where insurance is dealing with more complex and urgent problems than ever, actively promote the benefits and criticality of the industry to address reputational and talent challenges6EVOLVE YOUR DISTRIBUTION TO KEEP UP WITH CUSTOMERSAs intermediated channels remain strong across regions, work tightly with your existing distribution partners to “augment” the customer experience and expand the value proposition2HONE AND SHARPEN YOUR INVESTOR NARRATIVE TO DRIVE RELEVANCEMobilize behind a clear and straightforward investor narrative that prioritizes strengthening your right-to-win, and guides all major moves and discussions — internal and external7MOBILIZE AROUND THE GLOBAL RETIREMENT WAVETake a leading role in addressing the rapidly increasing need for holistic retirement solutions by developing an integrated retirement ecosystem encompassing accumulation, decumulation, advice solutions and services3TRANSFORM FINANCE CLOCK SPEEDAs C-suite executives face an increasingly complex and fast-moving environment, evolve your finance and actuarial functions to support timely, high-quality decision-making8ORGANIZE CUSTOMER-BACK FOR TRANSFORMATIVE GROWTHUnlock hyper-organic growth through an organizational “solutions layer” to address large unmet needs4MAKE THE BOLD MOVES FOR GROWTH IN LIFE INSURANCE AND ASSET MANAGEMENTTraditional life insurers and asset managers have lost ground to private capital specialists. Bold moves are required in 2025 to regain ground and re-rate for long-term rel