2025年保险行业十大行动指南（英）_15页_2mb

Summary of Oliver Wyman's "Reinventing Insurance Series: 10 to do’s for Insurance CEOs in 2025"

Oliver Wyman's report outlines a pressing need for change in the insurance industry, focusing on three key themes: Growth, Relevance, and Resilience. These themes stem from external pressures such as macroeconomic shifts, geopolitical tensions, and demographic changes, accelerating the industry's need for reinvention. The report presents 10 strategic actions for insurance CEOs in 2025 to drive this transformation.

Key Themes

• Growth: Addressing organic growth constraints through initiatives like mergers and acquisitions (M&A) to scale and acquire new capabilities.
• Relevance: Enhancing value propositions, investor narratives, and holistic solutions, such as integrated retirement ecosystems.
• Resilience: Strengthening decision-making processes and financial functionalities to navigate uncertainties.

10 Actions for Insurance CEOs

1. Better promote what the industry stands for: Actively address reputational and talent challenges by engaging society, customers, and employees, and enhancing attractiveness through AI and diverse recruitment.
2. Hone and sharpen your investor narrative: Develop a clear, coherent narrative to strengthen your right-to-win, guide all decisions—organic and inorganic—and foster rigorous execution with capital alignment.
3. Transform finance clock speed: Evolve finance and actuarial functions into agile, strategic engines to support timely, high-quality decision-making, leveraging advanced capabilities like AI.
4. Make the bold moves for growth: Regain ground in life insurance and asset management by countering private capital specialists through focused strategies on private assets, M&A, and clarity in defining competitive positions.
5. Chase growth and increase resilience with M&A: Scale, diversify, or strengthen capabilities efficiently through a disciplined equity thesis for acquisitions, addressing organic growth constraints and market cycles.
6. Evolve your distribution: Augment customer experiences and value propositions through tighter collaboration with intermediated channels, while innovating distribution tools to meet rising customer expectations.
7. Mobilize around the global retirement wave: Develop integrated retirement ecosystems offering accumulation, decumulation, advice, and services, capitalizing on demographic shifts and estimated $400 billion revenue potential.
8. Organize customer-backed for transformative growth: Unlock hyper-organic growth by focusing on unmet customer needs, developing ecosystem solutions, and adopting venture-like innovation metrics.
9. Start with transformation, not with AI: Prioritize strategic, operational, technological, and behavioral changes over AI-centric solutions, using AI as an enabler within a broader transformation framework.
10. Actively rebalance your portfolio: Balance attention between current business performance and future-oriented growth initiatives, with clear metrics and stage-gated mechanisms for testing and prioritization.

This summary covers the core insights from Oliver Wyman, emphasizing proactive steps for insurance leaders to enhance the industry's standing in 2025.