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Scale for tomorrow, today: The aging demographic pivot demands strategic P&C insurance transformation

Unprecedented demographic transformation is occurring worldwide as the global population heads toward 9.66 billion by 2050. In a historic first, senior citizens will outnumber youth by 2050 – excluding a relatively young Africa: the global population aged 60+ will grow by 72%, while the under-20 population declines by 16%. This historic transition will demand new business models: the P&C insurance industry will change across risk, protection, and service delivery.¹

The World Property and Casualty Insurance Report 2025 reflects the views of 5,016 property and casualty insurance customers in 13 countries, as well as insights from interviews with 274 leading property and casualty insurance company executives across 15 markets; both of these research initiatives gathered inputs from all regions of the globe – the Americas, Europe, and Asia-Pacific. In addition, the report includes insights from macroeconomic forecasts done with a leading global macroeconomic forecaster.

Findings include,

• P&C insurers face a world reshaped by a rapidly aging population that is transforming risk landscapes and business models for the industry, challenging established market strategies, profitability models, and product offerings
• Demographic shifts blur the boundaries between personal and commercial risks, creating new coverage challenges and opportunities
• Gaining a competitive advantage in this changing landscape requires balancing short-term returns with long-term preparedness across three critical dimensions – strategic positioning, operating model execution and risk governance

Success in meeting insurance industry challenges across this transformed landscape will require continuous evolution, not just one-time transformation. P&C insurers need to embrace a multi-horizon approach – one that balances immediate actions and performance, with long-term vision and positioning. To thrive, carriers must adapt their strategies, enhance operating models, strengthen risk management capabilities, and deploy capital strategically.

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