EY Global insurance outlook 2015 summary

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EY Global insurance outlook 2015 summary.

Business

Asia-Paciﬁc:
Solid growth prospects for life and non-life
Canada property-casualty:
Key issues present challenges
Canada life-annuity:
Opportunity within underserved segments
Simpler products and
transactions can
boost revenue
Increasing regulatory
focus on compliance,
control and governance
Need for more robust
digital technologies and
data analytics
Projected GDP growth
Expansion of middle
class and high-net-worth
population
Infrastructure and home
building investments
boost vcommercial lines
5.5% Margin pressures from low
interest rates and limited
GDP growth
Need to rebuild consumer
trust and strengthen
relationships
Cloud computing, mobile and
digital hold keys to growth
Latin America:
Slow growth and increased competition
Europe:
Expanding complexity in all markets
Investments focused on
efﬁcient distribution
alternatives to engage
low-penetration markets
Need for product development
to expand market reach
and acceptance
Transformation of ops platforms
for higher quality service
More sophisticated business
clients expecting responsiveness
Growth
Technology
Customer
Transformation
Regulation
Key themes across
global markets
US life-annuity:
Sales beneﬁt from consumer conﬁdence and
personal wealth
Promising growth as the
economy improves
Need to expand digitalcapabilities
– internet, social, mobile
Important opportunities to
develop online advice and
transactional models
Intense competition from new
capitalentrants seeking disruption
$
US property-casualty:
A second consecutive year of strong performance
Strong performance ratios
returning to pre-ﬁnancial
crisis years
Market-leading performance
driving investments in technology,
distribution and risk management
Top challenge: low premium
growth resulting from rising
competition, an overabundance
of capital, and inexpensive reinsurance
Increased reliance on analytics
across the insurance life cycle
(product design to claims
to reporting)
Regulatory focus on transparency
into customer information and
product governance
Seeking customer engagement
via digital channels and
tailored products
Learn more: Full report available at ey.com/insurance/2015outlook
© 2015 EYGM Limited. All Rights Reserved. EYG No.
Global insurance outlook 2015

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