Insurance Top Trends 2026 (Capgemini Research Institute)

Summary

• 67% of next-gen insurance customers prefer phygital engagement over traditional channels.p.2
• USD 83.5 Tn is expected to change hands by 2048.p.2
• 88% of insurers are adopting hybrid cloud to modernize legacy IT infrastructure.p.2
• 70% of insurers are increasing GenAI investments.p.2
• Only 8% of customers' surplus funds are allocated to increasing life insurance coverage.p.4
• Only 16% of insurers offer integrated digital access with dedicated advisor support for consumers under 40.p.6

Key insights

1. 41% of P&C insurers say reassessing distribution strategy is key to unlocking growth and productivity.p.4
2. 43% of health insurers cite the underuse of preventive services as a key driver of medical costs.p.4
3. 85% of agents view user-friendly agent and customer portals as a key consideration when choosing a carrier.p.6
4. Nationwide automatically grants an average 5% discount on homeowners' policies to eligible telematics program customers.p.9
5. Zurich's Copilot deployment is estimated to save employees ~14,000 hours every year.p.10