Turbulence ahead

The future of general insurance

Insurance institutions aren't known for chasing trends. And maybe you wouldn't want them to be. For an industry where customers are best served by sober assessment of risk, there's something reaffirming about the industry's steady bearing in FinTech's choppy wake. But transformative forces are there, at the edges, under the surface looking for a way in. They're in the technology that takes the human element out of risk. They're showing up along the value chain, bringing price transparency and brand-new products. They're in adjacent sectors, where pay-per-click threatens commissions and customers must insure assets theyr use but don't own. And they are in the data where the future can be told.

Executive summary

The financial services industry is experiencing vast and varied transformation – and insurance is no exception. New technologies and changing customer behaviors may result in a market that looks very different from the one we see today.

This report from Deloitte Global looks at transformative forces in the general insurance industry and outlines several possible scenarios for the future. We look at forces in the insurance industry such as the emergence of peer-to-peer insurance and the expansion of digital intermediaries. But we also consider those outside of the insurance industry, including big data and blockchain. The combination of these internal and external forces are pushing general insurers to rethink what their long-term strategies will be.

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