Insurance against new trends

(AOF) - According to a study by strategy consulting firm Akoya, the eight pillars of the insurance value chain (supply design, distribution, contract and claims management, expertise and prevention, asset management, steering, support and non-insurance services) are impacted by the digital wave, the data revolution, the emergence of new risks, modern requirements as well as regulatory changes.



Indeed, the development of innovative digital tools allows automation of certain management tasks as well as a multiplication of distribution channels, which leads to a proliferation of new online insurance.

Data from policyholders or prospects has always been a key resource for insurance stakeholders. They make it possible to better understand customers and prospects and thus to design offers adapted to their needs, especially in the face of emerging risks.

Global warming, the aging of the population, and the appearance of new technologies are creating new risks that must now be insured.

Faced with the multiplicity of offers, the customer now requires a fluid and intuitive experience around his insurance and wants a personalized product accompanied by additional services (eg teleconsultations).

Finally, between the Hamon law (2014) which gives more flexibility to termination, Solvency II (2016) governs the adequacy between equity and risks incurred, and the DDA (2016) which imposes more transparency and the duty to advice to policyholders; insurer regulations are constantly evolving.

2019 Agence Option Finance (AOF) - All reproduction rights reserved by AOF. AOF collects its data from the sources it considers the most reliable. However, the reader remains solely responsible for their interpretation and the use of the information made available to them. Thus the reader will have to hold AOF and its contributors free from any complaint resulting from this use. Option Finance Agency (AOF) is a brand of the Option Finance group

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