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1、ExecutivesummaryTheevolvingrisklandscapecreatesdemandfornewpersonalandcommerciallinesofinsuranceDisruptiveenvironmentalpatterns,technologicaladvancements,evolvingsocialanddemographictrends,newmedicalandhealthconcerns,andashiftingbusinessenvironmentaredrivingseveralprominentemergingrisksthatde
2、mandhigh-priorityindustryattention.Emergingrisksmayseriouslyaffectcustomers’lives,health,property,andbusiness,whichcoulddriveupbusinessinterruption,liability,propertydamage,andlifeandhealthclaims.Insurersmustrecognizetheimpactofemergingrisksoncustomersandadaptofferingstobettermeetpolicyholder
3、needs.CustomersfeelexposedtoemergingrisksduetoaperceivedcoveragegapwithexistinginsuranceproductsHealthandmedicalrisksareaprimeconcernamongindividuals,whilebusinesscustomersreportapprehensionaboutriskspromptedbydynamicbusinessconditions.Bothindividualandbusinesscustomersbelievethatcyberexposur
4、eisaleadingthreat.Customerconfidenceisweak,withlessthanaquarterofbusinesscustomersandlessthan15%ofindividualpolicyholdersbelievingtheyarecoveredcomprehensivelyagainstemergingrisks.Ascustomerneedsevolvewithintoday’sfast-changingrisklandscape,agilityandspeedtomarketwillbecomeevenmorecritical,an
5、dinsurersuccessmaybecontingentupontheabilitytounderstandandalignwithpolicyholders’requirementsquickly.Insurers’productpipelinesarenotalignedwithcustomers’growingconcernswithemergingrisksWhilecustomersdemandmorecomprehensiveemerging-riskcoverage,insurers’productpipelinesareyettoreflectthesenew
6、realities.Ofinsurerssurveyedacrossbusinesslines,50%orfeweracknowledgedtheimpactofemergingrisksindrivingcustomerdemandfornewofferings,andfewerthan40%oflifeandhealthinsurershadbuiltapipelineofnewproductstocoveremergingriskscomprehensively.Moreover,insurershaveyettofullytapintoopportunitiesprese
7、ntedbychangingcustomerpreferences.Whilemorethan55%ofcustomersarereadytoexplorenewinsurancemodels,only26%ofinsurersareexploringsuchmodels.4WorldInsuranceReport2019Customersareincreasinglywillingtosharedataandpayextraforbetterriskpreventionserv
