Prøve GULL - Gratis
Insurance Report
THE INSURANCE TIMES
|June 2025
Allianz Global Insurance Report 2025: Rising demand for protection
-
The global insurance industry has entered a critical phase marked by economic uncertainty, climate risks, digital transformation, and evolving customer expectations. The 2025 Global Insurance Report provides in-depth insights into the current state of the industry, identifies strategic challenges, and maps out future growth opportunities.
1. Economic Outlook and Macroeconomic Pressures
Global economic conditions are weighing heavily on insurers. High inflation, tightening interest rates, and geopolitical tensions continue to impact financial markets and investment returns. Insurers are cautiously optimistic about improving macroeconomic conditions in the medium term, but they remain vigilant due to lingering volatility. Rising reinsurance costs and increased claims inflation—particularly in property, motor, and health segments—are also straining underwriting margins.
Despite these challenges, interest rate normalization has allowed life insurers to offer more attractive returns on savings products. This shift has sparked renewed interest in guaranteed return life policies, particularly in Europe and North America.
2. Performance Across Insurance Segments
a. Life Insurance
The life insurance sector has rebounded due to better investment yields and renewed demand for protection and retirement products. While sales of annuities and unit-linked products remain moderate, demand for guaranteed return products is accelerating. Digital channels, especially mobile apps and aggregators, are gaining prominence for policy purchases.
b. Property and Casualty (P&C) Insurance
Denne historien er fra June 2025-utgaven av THE INSURANCE TIMES.
Abonner på Magzter GOLD for å få tilgang til tusenvis av kuraterte premiumhistorier og over 9000 magasiner og aviser.
Allerede abonnent? Logg på
FLERE HISTORIER FRA THE INSURANCE TIMES
THE INSURANCE TIMES
Epigenetic Clocks as Predictors of Mortality: A New Tool for Life Insurance Risk Stratification
Numerous cohort studies have validated the utility of epigenetic clocks in predicting all-cause mortality. For instance, accelerated epigenetic aging, where biological age exceeds chronological age, has been consistently associated with increased mortality risk (Marioni et al., 2015).
5 mins
November 2025
THE INSURANCE TIMES
Life Insurance News
Life insurers cut distributor commissions to pass on GST relief to customers
7 mins
November 2025
THE INSURANCE TIMES
Insurance Regulator Update
Irdai's Deepak Sood calls for new distribution model to expand rural insurance reach
2 mins
November 2025
THE INSURANCE TIMES
Evaluating the Impact of the New Tax Regime on Motor Accident Compensation Awards
In India, compensation awarded under the Motor Vehicles Act majorly depends upon the income of the deceased (claimant- in case of injury), age and dependency. Since the compensation is calculated based on loss of income after the accident, it increases as the income rises.
4 mins
November 2025
THE INSURANCE TIMES
A Comprehensive Risk Management Framework for the Insurance Industry
In the insurance industry, risk is not merely a challenge to overcome; it is the very commodity we trade. Therefore, a robust and sophisticated risk management framework is not just a matter of good governance but a core strategic imperative. It is the bedrock upon which an insurer builds its solvency, ensures compliance with a complex regulatory landscape, and ultimately achieves sustainable, long-term growth.
13 mins
November 2025
THE INSURANCE TIMES
"The overall industry seems to have understood the need to change the attitude from selling what it has to what the customer needs. This realization has led to the development of add-ons and modular products which are quite flexible in nature."
About Mr. Lahiri - Mr. Samiran Lahiri is widely regarded as one of India's most accomplished insurance professionals and consultants, known for his strategic insight, deep technical acumen, and exemplary leadership across diverse domains of the insurance and financial services industry.
11 mins
November 2025
THE INSURANCE TIMES
Parametric Insurance - A Disruptive Model for Climate and Catastrophe Risk Management
Executive Summary - Traditional indemnity-based insurance models have long faced challenges in addressing the growing frequency and severity of natural disasters.
5 mins
November 2025
THE INSURANCE TIMES
Safety Perspectives - The Greatest Happiness of Greatest Number
The salvage dealer has many things to pay for, many expenses such as transportation, electricity, rent, employee salaries, machinery, and more. Hence, the salvage dealer would certainly offer a daily prayer: 'Dear God, please bless me with at least 50 salvage cases today and every day'. He wants 50 accident cases every day! There is no harm in his prayer. It is perfectly logical on his part to pray.
7 mins
November 2025
THE INSURANCE TIMES
Do's and Don'ts While Buying a Term Insurance Policy
Do’s (Things You Must Do)
4 mins
November 2025
THE INSURANCE TIMES
Newton's Law - Another interpretation of Proximate Cause
The fire policy we know doesn't cover any loss or damage occasioned by, through, or in consequence of, directly or indirectly, an earthquake, volcanic eruption, or other convulsions of nature. An earthquake is an excluded peril, but loss by theft is an uninsured peril( other than as provided in the RSMDT clause).
7 mins
November 2025
Listen
Translate
Change font size