从人寿保险到生活保障：重构 40 岁以下群体的保险相关性.pptxVIP

Fromlifeinsurancetoinsuranceforliving

Rethinkingrelevancefortheunder40s

REEARCHNTTUTE

WorldReportSeries2026

WorldLifeInsurance

Craftingastrategic

frameworktodrivegrowthintheunder-40segment

35

Navigatingthechallengesoflong-termdemographicandeconomicshifts

34

Transformingvisionintoreality:Aboldnewfuturestartshere

36

Tableof

contents

Executivestrategicconversations

16

Executivesummary

26

Copyright©2025Capgemini.AllrightsreservedCapgeminiResearchInstitute2025

Foreword

08

PartnerwithCapgemini

04

06

03

Methodology

WorldLifeInsuranceReport2026

Conclusion

2

offervaluethroughoutlifeandnotjustatdeath–canhelpevolvelifeinsurancefromaproductthatcustomersbuyandforget,intoanactivefinancialtoolthatpromotesfinancialwellnessandhelpsthemlivewellforlonger.

68%

Under40sareconsideringbuyinglife

insurancetoprepareforthefuture

Craftingastrategicframeworktodrivegrowthintheunder-40segment

Thegapbetweencustomerneedsandtraditionalofferingsisdrastically

reshapingthecompetitivelandscape.GloballifeinsurancepremiumsareexpectedtogrowataCAGRofjust0.9%through2040.Meanwhilethe

shareoflifeinsuranceinindividualinvestmentportfolioshasdecreasedby23%overthepast15years,whiletheshareofequitieshasgoneupby31%.Toreignitegrowth,successfulinsurerswillfocusonthreekeyareas.

•Navigatenewcompetitiverealities:Whenitcomestofinancial

products,consumershaveagrowingnumberofoptionstoday–frominvestmentplatformsanddigitalbanks,towellnesssubscriptions

andlifestyle-focusedfinancialsolutio