Global events and geopolitical upheavals, from the COVID-19 pandemic to the US-China trade conflict and Russia-Ukraine war, have propelled the world towards geoeconomic fragmentation. This trend is exemplified by shifts away from free trade and globally integrated supply chains in favour of...

Rising life expectancies and lower birth rates are creating new societal challenges. Health systems are increasingly strained and people’s financial security is at risk as savings must stretch over a longer period. These challenges pave the way for innovation and fresh thinking on the...

As extreme weather risks escalate and related insured losses grow in magnitude, the availability and affordability of home insurance is coming under increasing pressure in certain regions. This is being amplified by various socioeconomic factors, including poor land use, outdated building codes,...

As insurers accelerate their AI adoption and people increasingly turn to general purpose Generative AI (Gen AI) tools to guide their insurance decisions, understanding how customers perceive and engage with these technologies is critical to building trust and ensuring responsible innovation....

Despite major advances in digital payments, savings programmes, and access to credit and insurance services, more than 1 billion adults worldwide remain outside the formal financial system. In emerging economies in particular, vast insurance protection gaps leave people highly vulnerable to...

Income and wealth inequality are increasing in most advanced economies. At the same time, social safety nets are eroding. Together, these trends can create inclusion gaps, where certain socio-economic or socio-demographic groups have inadequate protection against financial risk. This Geneva...

Digital platform ecosystems are making it easier for insurers to reach customers at lower cost and increase customer engagement. Policyholders benefit from more convenient access to insurance, embedding of coverage into other products and services such as travel services, and more personalised...