1、LIFE INSURANCETOP TRENDS 2023CONTENTSForeword 3Introduction 4Trend 1:Agents empowered with advanced digital capabilities increase productivity and customer engagement 6Trend 2:Ecosystem partnerships offer a path to innovative financial value propositions 8Trend 3:Embedded life insurance offers conve

2、nient right-time,right-channel accessibility 10Trend 4:Wellness-as-a-Service initiatives deepen customer engagement 12Trend 5:Insurers move to cloud-based operations to drive innovation,operational excellence 14Trend 6:Life insurers are targeting younger populations with relevant products and digita

3、l customer experience 16Trend 7:Real-time use of alternate data helps automate and streamline underwriting 18Trend 8:Insurers make sustainability a strategic corporate priority 20Trend 9:Microservices unlock new insurance ecosystems and improve the customer journey 22Trend 10:Core system modernizati

4、on powers up life insurance innovation 24Conclusion 26Life Insurance Top Trends 20232Anirban Bose Financial Services Strategic Business Unit CEO&Group Executive Board Member,CapgeminiFOREWORDIn a complex macroeconomic environment characterized by slow growth,increasing volatility,high inflation,and

5、rising interest rates,life insurance reinvention will continue as the industry strives to bolster its relevancy.Pushed by current geopolitical and financial challenges,we expect life insurers to remain hyperfocused on system modernization,digital transformation,and innovation.High demand for life in

6、surance and increased worldwide risk awareness sparked by the pandemic have encouraged carriers to personalize solutions and focus on bettering customer lives through financial wellness.In addition,todays uncertain environment and rising interest rates are stoking demand for guaranteed savings produ