Nine customer types defining the next wave of insurance

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<li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b8695731da":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Sustainability managed services","xdm:linkURL":"/en_uk/services/managed-services/sustainability"}}"> <a href="/en_uk/services/managed-services/sustainability" data-cmp-clickable class="cmp-navigation__item-link">Sustainability managed services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-4adb75c649":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Tax managed services ","xdm:linkURL":"/en_uk/services/tax/managed-services"}}"> <a href="/en_uk/services/tax/managed-services" data-cmp-clickable class="cmp-navigation__item-link">Tax managed services </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" 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data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0af87c5478":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:11Z","dc:title":"EY Private client experience","xdm:linkURL":"/en_uk/services/private-business/client-experience"}}"> <a href="/en_uk/services/private-business/client-experience" data-cmp-clickable class="cmp-navigation__item-link">EY Private client experience</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0aae86e94b":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:11Z","dc:title":"EY private client audit experience service offerings","xdm:linkURL":"/en_uk/services/assurance/private-client-audit-experience-service-offerings"}}"> <a href="/en_uk/services/assurance/private-client-audit-experience-service-offerings" data-cmp-clickable class="cmp-navigation__item-link">EY private client audit experience service offerings</a> 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data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-dab2aa00c4":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Climate change and sustainability services","xdm:linkURL":"/en_uk/services/climate-change-sustainability-services"}}"> <a href="/en_uk/services/climate-change-sustainability-services" data-cmp-clickable class="cmp-navigation__item-link">Climate change and sustainability services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b72ab1f177":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Sustainable finance ","xdm:linkURL":"/en_uk/industries/financial-services/sustainable-finance"}}"> <a href="/en_uk/industries/financial-services/sustainable-finance" data-cmp-clickable class="cmp-navigation__item-link">Sustainable finance </a> </li> <li class="cmp-navigation__item 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UK</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>Asking the better questions that unlock new answers to the working world's most complex issues. UK</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-button-1" class="cmp-container"> <div class="button"> <a class="up-button cmp-button " href="/en_uk/insights" aria-label="Explore Insights" data-cmp-clickable data-up-is="button" data-cmp-data-layer="{"button-5c0646b043":{"@type":"ey-unified-site/components/button","repo:modifyDate":"2024-08-15T08:25:10Z","dc:title":"Explore","xdm:linkURL":"/en_uk/insights"}}" data-analytics-category="Button" data-button-type="cta" data-snippet-url="/content/ey-unified-site/ey-com/local/uk/en_uk/home/insights.html" data-analytics-label="CTA Button" analytics-button-type="cta" data-analytics-button-click> <span class="cmp-button__text" data-analytics-action-value>Explore</span> </a> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-wrapper-1" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-links-title-1" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-d89bb2c6b0":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:04Z","xdm:text":"<h4>Trending topics</h4>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" 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class="rich-text text"><div data-cmp-data-layer="{"rich-text-ce0653ffbe":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:05Z","xdm:text":"<p>See more</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>See more</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-title-1" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-1b666be5ad":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:05Z","xdm:text":"<h4>Spotlight</h4>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4>Spotlight</h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-links-1" class="cmp-container"> <div class="container responsivegrid"> <div id="container-f4d058491e" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-ab02fa76ea":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-08-16T10:00:25Z","xdm:text":"<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/ai.html\">AI insights</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/sustainability.html\">Sustainability in business</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/economics.html\">Economics</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/board-matters.html\">EY Center of Board Matters</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/ceo.html\">CEO agenda</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/cio.html\">Technology leaders' agenda</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/media/podcasts.html\">EY podcasts</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/media/webcasts.html\">EY webcasts</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/insights.html\">See more</a><br>\r\n</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><a href="/en_uk/services/ai">AI insights</a></p> <p><a href="/en_uk/services/sustainability">Sustainability in business</a></p> <p><a href="/en_uk/economics">Economics</a></p> <p><a href="/en_uk/board-matters">EY Center of Board Matters</a></p> <p><a href="/en_uk/ceo">CEO agenda</a></p> <p><a href="/en_uk/cio">Technology leaders' agenda</a></p> <p><a href="/en_uk/media/podcasts">EY podcasts</a></p> <p><a href="/en_uk/media/webcasts">EY webcasts</a></p> <p><a href="/en_uk/insights">See more</a><br /> </p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-8faf0b66c1" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="sitenav-sub-wrapper-2" class="cmp-container" role="tabpanel"> <div class="container responsivegrid"> <div id="subnav-intro-wrapper-2" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-intro-title-2" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-735f95c057":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:06Z","xdm:text":"<h3>Services</h3>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h3>Services</h3> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-description-2" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-4f4497d2cc":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:06Z","xdm:text":"<p>EY helps clients create long-term value for all stakeholders. Enabled by data and technology, our services and solutions provide trust through assurance and help clients transform, grow and operate.</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>EY helps clients create long-term value for all stakeholders. Enabled by data and technology, our services and solutions provide trust through assurance and help clients transform, grow and operate.</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-button-2" class="cmp-container"> <div class="button"> <a class="up-button cmp-button " href="/en_uk/services" aria-label="Explore Services" data-cmp-clickable data-up-is="button" 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transaction and transformation consulting</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/consulting/technology-transformation.html\">Technology transformation</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/tax-function-operations.html\">Tax function operations</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/climate-change-sustainability-services.html\">Climate change and sustainability services</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/ecosystems.html\">EY Ecosystems</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/industries/financial-services/business-transformation-platform.html\">EY Nexus: business transformation platform</a></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, 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Ecosystems</a></p> <p><a href="/en_uk/industries/financial-services/business-transformation-platform">EY Nexus: business transformation platform</a></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-7226f28a23" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="sitenav-sub-wrapper-3" class="cmp-container" role="tabpanel"> <div class="container responsivegrid"> <div 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<button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-description-3" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-8cd302be76":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:07Z","xdm:text":"<p>Discover how EY insights and services are helping to reframe the future of your industry.<br>\r\n</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" 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class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4>Case studies</h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-links-3" class="cmp-container"> <div class="eycom-tier3-casestudy"> <div class="caseStudies"> <p class="caseStudies__title">Workforce</p> <p> <a href="/en_uk/insights/workforce/how-microsoft-built-a-new-mobility-model-for-cross-border-talent">How Microsoft built a new mobility model for cross-border talent</a> </p> <p> <span class="date">12 May 2024</span><a href="/en_uk/people/ey">EY Global </a> </p> </div> <div class="caseStudies"> <p class="caseStudies__title">Private equity</p> <p> <a href="/en_uk/insights/private-equity/how-genai-is-empowering-talent-at-a-pe-backed-consumer-brand">How GenAI is empowering talent at a PE-backed consumer brand</a> </p> <p> <span class="date">07 May 2024</span><a href="/en_uk/people/ey">EY Global </a> </p> </div> <div class="caseStudies"> <p class="caseStudies__title">Strategy and Transactions</p> <p> <a href="/en_uk/insights/strategy-transactions/how-carve-outs-positioned-an-automotive-giant-for-future-growth">How carve-outs positioned an automotive giant for future growth</a> </p> <p> <span class="date">10 Apr 2024</span><a href="/en_uk/people/ey">EY Global </a> </p> </div> </div> <div class="container responsivegrid"> <div id="container-8bc8172c50" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="container-c905c7490f" class="cmp-container"> <div class="separator cmp-separator--half-size"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> </div> </div> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-10ae794e8c":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-08-15T12:38:32Z","xdm:text":"<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/case-studies.html\">See all</a></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to 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<h3>Careers</h3> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-description-4" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-4c1fe26191":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:10Z","xdm:text":"<p>We bring together extraordinary people, like you, to build a better working world.</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>We bring together extraordinary people, like you, to build a better working world.</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" 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class="search__recent-list"></ul> </div> <div class="up-instant-search__trending-section"> <p class="up-instant-search__trending-section__title"> Trending </p> <ul class="up-instant-search__trending-section__list" role="list"> <li class="up-trending-section--item"> <a href="/en_uk/insights/climate-change-sustainability-services/climate-action-barometer-survey" class="up-trending-section--item__link-name"> <img src="/content/dam/ey-unified-site/ey-com/en-gl/insights/climate-change-sustainability-services/images/ey-aerial-view-of-red-wooden-bridge-walkway-in-a-mangrove-forest-static.jpg" srcset="/content/dam/ey-unified-site/ey-com/en-gl/insights/climate-change-sustainability-services/images/ey-aerial-view-of-red-wooden-bridge-walkway-in-a-mangrove-forest-static.jpg.transform/instant-search-200/img.jpg 1x,/content/dam/ey-unified-site/ey-com/en-gl/insights/climate-change-sustainability-services/images/ey-aerial-view-of-red-wooden-bridge-walkway-in-a-mangrove-forest-static.jpg.transform/instant-search-400/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/insights/climate-change-sustainability-services/images/ey-aerial-view-of-red-wooden-bridge-walkway-in-a-mangrove-forest-static.jpg.transform/up-img-width-thumbnail-large-screen/img.jpg 3x" alt="" aria-hidden="true"/> <div class="trending-info"> <p class="up-trending-section--item__link-text">How will climate transition planning empower you to shape the future? </p> <p class="up-trending-section--item__link-description" aria-hidden="true">The sixth EY Climate Action Barometer shows an increase in companies reporting on climate but falling short of carbon ambitions. Learn more.</p> <span class="date">12 Nov 2024</span> <span class="trending-tag up-trending-section--item__tag">Sustainability</span> </div> </a> </li> <li class="up-trending-section--item"> <a href="/en_uk/insights/law/how-microsoft-streamlined-regulatory-compliance-with-gen-ai" class="up-trending-section--item__link-name"> <img src="/content/dam/ey-unified-site/ey-com/en-gl/insights/law/images/ey-ai-team-of-lawyers-planning-with-business-colleagues-during-meeting-at-law-firm.jpg" srcset="/content/dam/ey-unified-site/ey-com/en-gl/insights/law/images/ey-ai-team-of-lawyers-planning-with-business-colleagues-during-meeting-at-law-firm.jpg.transform/instant-search-200/img.jpg 1x,/content/dam/ey-unified-site/ey-com/en-gl/insights/law/images/ey-ai-team-of-lawyers-planning-with-business-colleagues-during-meeting-at-law-firm.jpg.transform/instant-search-400/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/insights/law/images/ey-ai-team-of-lawyers-planning-with-business-colleagues-during-meeting-at-law-firm.jpg.transform/up-img-width-thumbnail-large-screen/img.jpg 3x" alt="" aria-hidden="true"/> <div class="trending-info"> <p class="up-trending-section--item__link-text">How Microsoft streamlined regulatory compliance with GenAI </p> <p class="up-trending-section--item__link-description" aria-hidden="true">This case study reveals how Microsoft legal teams are using GenAI to confidently manage regulatory change. Learn more.</p> <span class="date">15 Oct 2024</span> <span class="trending-tag up-trending-section--item__tag">Law</span> </div> </a> </li> <li class="up-trending-section--item"> <a href="/en_uk/board-matters/board-cso-cfo-dynamic-for-sustainability" class="up-trending-section--item__link-name"> <img src="/content/dam/ey-unified-site/ey-com/en-gl/campaigns/board-matters/images/ey-spectrum-bixby-creek-bridge-at-backlight-static-no-zoom.jpg" srcset="/content/dam/ey-unified-site/ey-com/en-gl/campaigns/board-matters/images/ey-spectrum-bixby-creek-bridge-at-backlight-static-no-zoom.jpg.transform/instant-search-200/img.jpg 1x,/content/dam/ey-unified-site/ey-com/en-gl/campaigns/board-matters/images/ey-spectrum-bixby-creek-bridge-at-backlight-static-no-zoom.jpg.transform/instant-search-400/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/campaigns/board-matters/images/ey-spectrum-bixby-creek-bridge-at-backlight-static-no-zoom.jpg.transform/up-img-width-thumbnail-large-screen/img.jpg 3x" 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aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--mobile--0 aem-GridColumn--tablet-portrait--12 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--mobile--12"><div data-cmp-data-layer="{"rich-text-9d505c33aa":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:38Z","xdm:text":"<h3><span class=\"copy-block\">Shifting consumer needs are an invitation for insurers to innovate in pursuit of growth and to stay ahead of new competitive threats.</span></h3>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" 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key to learn more about this content"> Read less </button> </div> </div> <div class="separator cmp-separator--horizontal-rule aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--tablet-portrait--12 aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--offset--default--0"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--mobile--0 aem-GridColumn--tablet-portrait--12 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--mobile--12"><div data-cmp-data-layer="{"rich-text-8a254e004b":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:39Z","xdm:text":"<p><span class=\"copy-block\"><b>In brief</b></span></p>\r\n<ul>\r\n<li><span class=\"copy-block\">Demand for hyper-personalized and real-time risk protection requires broad adoption of artificial intelligence (AI), machine learning and digital platforms.</span></li>\r\n<li><span class=\"copy-block\">The industry continues to adjust to new climate risks, reinforcing the importance of ESG-led strategies and proactive risk management.</span></li>\r\n<li><span class=\"copy-block\">Focusing on distinct personal and small commercial customer types will unlock growth and innovation opportunities.</span></li>\r\n</ul>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block"><b>In brief</b></span></p> <ul><li><span class="copy-block">Demand for hyper-personalized and real-time risk protection requires broad adoption of artificial intelligence (AI), machine learning and digital platforms.</span></li><li><span class="copy-block">The industry continues to adjust to new climate risks, reinforcing the importance of ESG-led strategies and proactive risk management.</span></li><li><span class="copy-block">Focusing on distinct personal and small commercial customer types will unlock growth and innovation opportunities.</span></li></ul> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> <div class="separator cmp-separator--horizontal-rule aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--tablet-portrait--12 aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--offset--default--0"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--mobile--0 aem-GridColumn--tablet-portrait--12 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--mobile--12"><div data-cmp-data-layer="{"rich-text-d8af7c1e66":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:40Z","xdm:text":"<p><span class=\"copy-block\"><span class=\"drop-cap\">T</span>he next decade will see a fundamental reorientation of the insurance business. The traditional focus on products, policies and paying claims will shift to services, experiences and creating value. Put another way, what customers want and need, not what insurers want to sell or have always sold, will be the dominant driver of innovation and growth.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block"><span class="drop-cap">T</span>he next decade will see a fundamental reorientation of the insurance business. The traditional focus on products, policies and paying claims will shift to services, experiences and creating value. Put another way, what customers want and need, not what insurers want to sell or have always sold, will be the dominant driver of innovation and growth.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> <div class="nested-tile aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"><div class="content"> <div class="height-control"></div> <div class="nestedTileSec nestedTile-parsys rightAlign small"> <div id="nested-tile-container-b5c35f00c0" class="cmp-container"> <div class="link-area"> <div class="cmp-link-area cmp-link-area--regular " data-analytics-category="Link Area"> <p class="cmp-link-area__header"> How EY can help </p> <div> <ul class="cmp-link-area__regular "> <li class="cmp-link-area__item "> <div class="cmp-link-area__wrapper"> <p class="cmp-link-area__item--title"> <a data-analytics-link-click data-analytics-event-label="linkAreaHeader-EY-How EY can Help" data-analytics-action-value="EY Nexus for Insurance" href="/en_uk/industries/insurance/nexus"> EY Nexus for Insurance </a> </p> </div> <p class="cmp-link-area__item__paragraph">A transformative solution that helps accelerate innovation, unlocks value in your ecosystem and powers frictionless business. Learn more.</p> <a class="cmp-link-area__item__readmore" href="/en_uk/industries/insurance/nexus"> Read more </a> </li> </ul> </div> </div> </div> </div> </div> <div class="richText-content cmp-text nested-tile--georgia-font"> <p>How insurers engage customers and the channels they use for distribution and service will change just as dramatically. In many cases, the “face” or “front door” of insurance will be distribution partners, including banks, manufacturers, health care providers and other high-profile brands outside the industry.<br /> </p> <p>Today, more insurance leaders are recognizing how customer insights drive improvements in products, services and experiences. In that sense, changing consumer needs and expectations are both an invitation for insurers to innovate and a blueprint for their transformation programs.<br /> </p> <p>To satisfy those rising consumer demands, engage with new customers and retain existing ones, insurers will have to overcome their reputation for delivering subpar experiences and emphasizing standardized policies and traditional channels over customer needs and preferences.<br /> </p> <p>Our latest report, <a href="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-what-does-it-mean-to-put-customers-at-the-heart-of-your-offerings-13-oct-2022.pdf">NextWave Insurance: Consumers & Small Businesses (pdf)</a>, focuses on nine key customer types that will define the market on the road to 2030. These customer categories frame both the formidable challenges and unique opportunities insurers face in a highly dynamic market. Of course, not every insurer will focus on all nine of these groups. But there are common themes across them, including the need for tailored coverage, personalized service and richer digital experiences – all of which add up to increased value. The nine groups are:<br /> </p> </div> </div> </div> <div class="rich-text text aem-GridColumn aem-GridColumn--default--12"><div data-cmp-data-layer="{"rich-text-3d9f92d2b1":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:41Z","xdm:text":"<h4><span class=\"copy-block\">Consumers</span></h4>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4><span class="copy-block">Consumers</span></h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> <div class="upAccordion component aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"> <div id="accordion-e57b28e939" class="up-accordion" data-up-is="accordion" data-up-single-expansion data-placeholder-text="false"> <ul class="up-accordion__list"> <li data-up-hook-accordion="[items]" id="accordion-e57b28e939-item-d296e1c799" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-e57b28e939-item-d296e1c799-button" class="up-accordion__header-button" aria-controls="accordion-e57b28e939-item-d296e1c799-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title">1. Point-of-sale purchasers</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-e57b28e939-item-d296e1c799-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-e57b28e939-item-d296e1c799-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-d296e1c799" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-4524126266":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:42Z","xdm:text":"<p><span class=\"copy-block\">This group values the peace of mind that comes from knowing that the items they buy – consumer goods, jewelry, travel or concert tickets –&nbsp;are protected from the moment they’re purchased. Embedded finance and a growing market for point-of-sale insurance mean insurers can reach more customers, demonstrate the value of insurance and increase their relevance.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">This group values the peace of mind that comes from knowing that the items they buy – consumer goods, jewelry, travel or concert tickets – are protected from the moment they’re purchased. Embedded finance and a growing market for point-of-sale insurance mean insurers can reach more customers, demonstrate the value of insurance and increase their relevance.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> <li data-up-hook-accordion="[items]" id="accordion-e57b28e939-item-33cff9a840" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-e57b28e939-item-33cff9a840-button" class="up-accordion__header-button" aria-controls="accordion-e57b28e939-item-33cff9a840-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title">2. Virtual vanguards</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-e57b28e939-item-33cff9a840-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-e57b28e939-item-33cff9a840-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-33cff9a840" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-b2c704aed5":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:42Z","xdm:text":"<p><span class=\"copy-block\">With more people spending more time in the metaverse, there is rising demand for protections that cover digital assets (e.g., crypto keys, virtual identities and brands). Insurers can connect “metazens” by offering bulletproof identity protection that prevents hacks, breaches and theft; business interruption coverage for virtual events;&nbsp;and fully integrated “virtual life insurance,” which could be attractive for influencers.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">With more people spending more time in the metaverse, there is rising demand for protections that cover digital assets (e.g., crypto keys, virtual identities and brands). Insurers can connect “metazens” by offering bulletproof identity protection that prevents hacks, breaches and theft; business interruption coverage for virtual events; and fully integrated “virtual life insurance,” which could be attractive for influencers.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> <li data-up-hook-accordion="[items]" id="accordion-e57b28e939-item-147aa33d8b" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-e57b28e939-item-147aa33d8b-button" class="up-accordion__header-button" aria-controls="accordion-e57b28e939-item-147aa33d8b-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title">3. ESG devotees</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-e57b28e939-item-147aa33d8b-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-e57b28e939-item-147aa33d8b-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-147aa33d8b" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-17babea1ed":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:42Z","xdm:text":"<p><span class=\"copy-block\">Some businesses view environmental, social and governance (ESG) as primarily a regulatory matter, but more consumers are putting their money where their values are. Specifically, they want to do business with environmentally and socially engaged companies&nbsp;and avoid those that are greenwashing. They are willing to pay a premium for products and services that match their value.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">Some businesses view environmental, social and governance (ESG) as primarily a regulatory matter, but more consumers are putting their money where their values are. Specifically, they want to do business with environmentally and socially engaged companies and avoid those that are greenwashing. They are willing to pay a premium for products and services that match their value.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> <li data-up-hook-accordion="[items]" id="accordion-e57b28e939-item-07d08de524" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-e57b28e939-item-07d08de524-button" class="up-accordion__header-button" aria-controls="accordion-e57b28e939-item-07d08de524-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title">4. Bubble protectors</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-e57b28e939-item-07d08de524-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-e57b28e939-item-07d08de524-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-07d08de524" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-be32ed4e2d":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:42Z","xdm:text":"<p><span class=\"copy-block\">More consumers want holistic and dynamic coverage for entire lifestyles or “bubbles.” Designing integrated coverage for autos, homes, health, microbusinesses, appliances, travel, identities, and major new purchases is complex, but offers plenty of new revenue and stronger long-term relationships for insurers that get it right.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">More consumers want holistic and dynamic coverage for entire lifestyles or “bubbles.” Designing integrated coverage for autos, homes, health, microbusinesses, appliances, travel, identities, and major new purchases is complex, but offers plenty of new revenue and stronger long-term relationships for insurers that get it right.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> <li data-up-hook-accordion="[items]" id="accordion-e57b28e939-item-c30e4c9007" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-e57b28e939-item-c30e4c9007-button" class="up-accordion__header-button" aria-controls="accordion-e57b28e939-item-c30e4c9007-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title">5. Data capitalists</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-e57b28e939-item-c30e4c9007-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-e57b28e939-item-c30e4c9007-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-c30e4c9007" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-59e28378c2":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:43Z","xdm:text":"<p><span class=\"copy-block\">Consumers are increasingly aware of the value of their personal data and expect more in return for sharing it. Insurers can engage this segment via customized offers, proactive insights for risk prevention and protection management with a portfolio of coverages that changes based on life events. The first step, though, is full transparency about data usage.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">Consumers are increasingly aware of the value of their personal data and expect more in return for sharing it. Insurers can engage this segment via customized offers, proactive insights for risk prevention and protection management with a portfolio of coverages that changes based on life events. The first step, though, is full transparency about data usage.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> <li data-up-hook-accordion="[items]" id="accordion-e57b28e939-item-60eb9ec586" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-e57b28e939-item-60eb9ec586-button" class="up-accordion__header-button" aria-controls="accordion-e57b28e939-item-60eb9ec586-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title"> 6. Minimalists</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-e57b28e939-item-60eb9ec586-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-e57b28e939-item-60eb9ec586-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-60eb9ec586" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-9734c3b7e2":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:43Z","xdm:text":"<p><span class=\"copy-block\">Looking to win entry-level business with budget-conscious consumers requires simple, understandable policies that are affordable and available via intuitive digital experiences. The end goal is to engage these customers for the long term, broadening and deepening the relationships as bigger risks emerge in their lives. By demonstrating the value of insurance and proving it can be affordable, insurers can both grow their business and protect the underserved.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">Looking to win entry-level business with budget-conscious consumers requires simple, understandable policies that are affordable and available via intuitive digital experiences. The end goal is to engage these customers for the long term, broadening and deepening the relationships as bigger risks emerge in their lives. By demonstrating the value of insurance and proving it can be affordable, insurers can both grow their business and protect the underserved.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> </ul> </div> </div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--mobile--0 aem-GridColumn--tablet-portrait--12 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--mobile--12"><div data-cmp-data-layer="{"rich-text-0132c525fe":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:43Z","xdm:text":"<h4><span class=\"copy-block\">Small Businesses</span></h4>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4><span class="copy-block">Small Businesses</span></h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> <div class="upAccordion component aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"> <div id="accordion-7e58e8d493" class="up-accordion" data-up-is="accordion" data-up-single-expansion data-placeholder-text="false"> <ul class="up-accordion__list"> <li data-up-hook-accordion="[items]" id="accordion-7e58e8d493-item-fdbc4a5b32" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-7e58e8d493-item-fdbc4a5b32-button" class="up-accordion__header-button" aria-controls="accordion-7e58e8d493-item-fdbc4a5b32-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title">7. Work-life integrators</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-7e58e8d493-item-fdbc4a5b32-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-7e58e8d493-item-fdbc4a5b32-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-fdbc4a5b32" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-2bc5ecf1be":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:44Z","xdm:text":"<p><span class=\"copy-block\">By offering tailored protections for gig workers and small home-based businesses, insurers can boost their relevance with solutions that reflect how people live and work today. Such coverages must be easily adjustable and reasonably priced, and solutions for gig workers in specific sectors and roles (e.g., delivery and graphic design) are likely to gain traction.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">By offering tailored protections for gig workers and small home-based businesses, insurers can boost their relevance with solutions that reflect how people live and work today. Such coverages must be easily adjustable and reasonably priced, and solutions for gig workers in specific sectors and roles (e.g., delivery and graphic design) are likely to gain traction.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> <li data-up-hook-accordion="[items]" id="accordion-7e58e8d493-item-aadb76617a" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-7e58e8d493-item-aadb76617a-button" class="up-accordion__header-button" aria-controls="accordion-7e58e8d493-item-aadb76617a-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title"> 8. Efficient entrepreneurs</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-7e58e8d493-item-aadb76617a-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-7e58e8d493-item-aadb76617a-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-aadb76617a" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-15e314620c":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:44Z","xdm:text":"<p><span class=\"copy-block\">Today, commercial insurance options don’t necessarily reflect the huge number and diversity of small- and medium-sized enterprises. The priorities for helping small businesses manage proliferating risks are real-time cyber insurance, plus monitoring and recovery services, and real-time, dynamic and usage-based pricing for certain operations. Every small business will appreciate 24/7 digital support and access to expert advice when necessary.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">Today, commercial insurance options don’t necessarily reflect the huge number and diversity of small- and medium-sized enterprises. The priorities for helping small businesses manage proliferating risks are real-time cyber insurance, plus monitoring and recovery services, and real-time, dynamic and usage-based pricing for certain operations. Every small business will appreciate 24/7 digital support and access to expert advice when necessary.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> <li data-up-hook-accordion="[items]" id="accordion-7e58e8d493-item-7688d0041e" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-7e58e8d493-item-7688d0041e-button" class="up-accordion__header-button" aria-controls="accordion-7e58e8d493-item-7688d0041e-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title"> 9. Conscious owners</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-7e58e8d493-item-7688d0041e-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-7e58e8d493-item-7688d0041e-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-7688d0041e" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-28062e2ac1":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:45Z","xdm:text":"<p><span class=\"copy-block\">Like the ESG devotees in personal lines, small-business owners are increasingly focused on sustainability. These customers are most drawn to insurers that have sector-specific expertise and services that help them further “green-up” their businesses. An authentic commitment to ESG and true depth of understanding of the risks they face, along with ecosystems of solutions to cover those risks, will drive further engagement and loyalty.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">Like the ESG devotees in personal lines, small-business owners are increasingly focused on sustainability. These customers are most drawn to insurers that have sector-specific expertise and services that help them further “green-up” their businesses. An authentic commitment to ESG and true depth of understanding of the risks they face, along with ecosystems of solutions to cover those risks, will drive further engagement and loyalty.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> </ul> </div> </div> <div class="video aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"><div data-up-show-captions="false" data-up-is="video" data-up-analytics="video" data-up-player-id="By4LoE6k7" data-up-account-id="1066292269001" data-up-main-video-id="6312964992112" class="up-video"> <video-js class="up-video__video" id="6312964992112" data-up-hook-video="videojs" controls data-embed="default"> </video-js> <div class="up-video__video-title" data-up-hook-video="videoTitle"></div> <script src="https://players.brightcove.net/1066292269001/By4LoE6k7_default/index.min.js"></script> </div> </div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--mobile--0 aem-GridColumn--tablet-portrait--12 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--mobile--12"><div data-cmp-data-layer="{"rich-text-3bab8c64fa":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:45Z","xdm:text":"<p><span class=\"copy-block\">Though not every insurer will serve the full range of customers, those that put customers at the core of their business will gain a competitive edge. They’ll also need to master a few crucial capabilities:</span></p>\r\n<ul>\r\n<li><span class=\"copy-block\">Real-time risk protection:&nbsp;AI, machine learning, automation, digital platforms and data analytics enable insurers to deliver personalized protections and services – instantaneously and at scale – in homes, vehicles or anywhere.</span></li>\r\n<li><span class=\"copy-block\">Ecosystems and partnerships:&nbsp;As industry lines blur and barriers to entry fall, insurance will become ubiquitous for all types of purchases and companies;&nbsp;insurers can orchestrate their own ecosystems and embed in those led by others.</span></li>\r\n<li><span class=\"copy-block\">New risks necessitating new products:&nbsp;Evolving societal norms and cultural values –&nbsp;from the rise of ESG issues to personal data ownership to virtual worlds – have created new risks and thus require product innovation from insurers to provide the necessary coverages.</span></li>\r\n</ul>\r\n<p><span class=\"copy-block\">Senior industry executives have been asking: How can we make sense of and navigate these trends in pursuit of growth? It starts with envisioning how to meet the changing needs and expectations of different customers by developing intelligent micro-segmentation and hyper-personalization capabilities, aligning offers, operating models and transformation investments to win in a hypercompetitive environment.</span></p>\r\n<p><span class=\"copy-block\">Our report also recommends specific actions for insurers so they can take advantage of the growth opportunities in an increasingly dynamic market. By engaging the right people and talent, integrating data, upgrading technology and streamlining processes, insurers can improve performance within every function. The highest returns will come from changes that link efficiency gains with experience enhancements.</span></p>\r\n<p><span class=\"copy-block\"><i>(Thank you to Jeff Wenger, Americas Insurance Distribution Optimization Leader, for his&nbsp;contributions to this&nbsp;article.)</i></span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block">Though not every insurer will serve the full range of customers, those that put customers at the core of their business will gain a competitive edge. They’ll also need to master a few crucial capabilities:</span></p> <ul><li><span class="copy-block">Real-time risk protection: AI, machine learning, automation, digital platforms and data analytics enable insurers to deliver personalized protections and services – instantaneously and at scale – in homes, vehicles or anywhere.</span></li><li><span class="copy-block">Ecosystems and partnerships: As industry lines blur and barriers to entry fall, insurance will become ubiquitous for all types of purchases and companies; insurers can orchestrate their own ecosystems and embed in those led by others.</span></li><li><span class="copy-block">New risks necessitating new products: Evolving societal norms and cultural values – from the rise of ESG issues to personal data ownership to virtual worlds – have created new risks and thus require product innovation from insurers to provide the necessary coverages.</span></li></ul> <p><span class="copy-block">Senior industry executives have been asking: How can we make sense of and navigate these trends in pursuit of growth? It starts with envisioning how to meet the changing needs and expectations of different customers by developing intelligent micro-segmentation and hyper-personalization capabilities, aligning offers, operating models and transformation investments to win in a hypercompetitive environment.</span></p> <p><span class="copy-block">Our report also recommends specific actions for insurers so they can take advantage of the growth opportunities in an increasingly dynamic market. By engaging the right people and talent, integrating data, upgrading technology and streamlining processes, insurers can improve performance within every function. The highest returns will come from changes that link efficiency gains with experience enhancements.</span></p> <p><span class="copy-block"><i>(Thank you to Jeff Wenger, Americas Insurance Distribution Optimization Leader, for his contributions to this article.)</i></span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </div> </div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--offset--default--2 aem-GridColumn--offset--mobile--0 aem-GridColumn--tablet-portrait--12 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--mobile--12"><div data-cmp-data-layer="{"rich-text-8a06913157":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:35:46Z","xdm:text":"<h4><span class=\"copy-block\">Summary</span></h4>\r\n<p><span class=\"copy-block\">During the last several years, the urgency around customer centricity in insurance has only increased, thanks to constantly rising consumer expectations. As the industry continues to evolve and competition intensifies, customers will be the guiding light. The winners in the next wave of insurance will be firms offering new solutions precision engineered to meet a broader range of customer needs and deliver value via personalized offerings and rich experiences.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4><span class="copy-block">Summary</span></h4> <p><span class="copy-block">During the last several years, the urgency around customer centricity in insurance has only increased, thanks to constantly rising consumer expectations. As the industry continues to evolve and competition intensifies, customers will be the guiding light. The winners in the next wave of insurance will be firms offering new solutions precision engineered to meet a broader range of customer needs and deliver value via personalized offerings and rich experiences.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> <div class="container responsivegrid theme-dark cmp-container--theme-dark cmp-container--background-color-e2e aem-GridColumn aem-GridColumn--default--12"> <div id="container-aa5891332d" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="up-authors-and-contributors aem-GridColumn aem-GridColumn--default--12"> <div class="up-authors-and-contributors up-authors-and-contributors--article-bottombar up-authors-and-contributors--single-author" data-up-analytics="authors-and-contributors" data-up-is="authors-and-contributors"> <p class="up-authors-and-contributors__title">About this article</p> <div class="up-authors-and-contributors__content"> <div class="up-authors-and-contributors__authors-and-contributors-container"> <div class="up-authors-and-contributors__authors-container"> <div class="up-authors-and-contributors__author-link-wrapper" data-up-hook-authors-and-contributors="cta"> <figure class="up-authors-and-contributors__author-link-content"> <div class="up-authors-and-contributors__author-image-link-wrapper cmp-image"> <img class="cmp-image__image" src="%20/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/c/ey-chris-raimondo-meta-1.jpg" srcset=" /content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/c/ey-chris-raimondo-meta-1.jpg.transform/up-authors-and-contributors-150/img.jpg 1x, /content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/c/ey-chris-raimondo-meta-1.jpg.transform/up-authors-and-contributors-250/img.jpg 2x, /content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/c/ey-chris-raimondo-meta-1.jpg.transform/up-authors-and-contributors-450/img.jpg 3x" alt="Photographic portrait of Chris Raimondo"/> </div> <div> <a href="/en_uk/people/chris-raimondo" data-up-hook-authors-and-contributors="authorlink" class="up-authors-and-contributors__author-name-container up-authors-and-contributors__analytics-author-link"> Chris Raimondo </a> <div class="up-authors-and-contributors__author-title"> EY Americas Consulting Insurance Leader </div> <div class="up-authors-and-contributors__author-title-introductory-text"> Building a better working world. Helping insurers modernize and solve complex business challenges through technology and innovation. </div> </div> </figure> </div> </div> <div class="up-authors-and-contributors__contributors"> <p class="up-authors-and-contributors__contributors-title"> Contributors </p> <ul class="up-authors-and-contributors__contributors-links"> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/charlie-mihaliak"> Charlie Mihaliak</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/isabelle-santenac"> Isabelle Santenac</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/ed-j-majkowski"> Ed Majkowski</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/peter-manchester"> Peter Manchester</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/anita-sun-young-bong"> Anita Sun-Young Bong Anita Sun-Young Bong</a> </li> </ul> </div> </div> <div class="up-authors-and-contributors__tags-and-social-container"> <div class="up-authors-and-contributors__article-tags-container"> <div class="related-topics surfaceTags"> <div data-cmp-data-layer="{"surfaceTags-04e7dfc7c2":{"@type":"ey-unified-site/components/surfaceTags"}}" data-analytics-category="Surface Tags" class="up-surface-tags"> <span class="up-surface-tags__topic-title" data-analytics-label> Related topics </span> <div class="up-surface-tags__topic-items"> <div class="up-surface-tags__topic-items-item"> <a class="cmp-button" data-analytics-link-click href="/en_uk/industries/insurance"> <span 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