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Insurance in the Future - Labs, Sandboxes, Venture Funds, Strategic Investments and Start-Up Accelerators

  • ID: 4659419
  • Report
  • October 2018
  • Region: Global
  • 250 Pages
  • Ian Youngman
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The Insurance Ecosystem Is Undergoing Transformation and Innovation Like Never Before and What We Have Seen is Only the Beginning


  • Allianz
  • Cigna
  • HCF
  • Met Life
  • Northwestern Mutual
  • SCOR
  • MORE

The insurance ecosystem is undergoing transformation and innovation like never before and what we have seen is only the beginning.

From distribution to pricing, product development to underwriting claims servicing to compliance — no part of the insurance value chain is safe from change.

Some insurers and regulators are using sandboxes, labs, start-up accelerators and strategic investments to seek future solutions to how insurance is done. Most are sitting on the side and hoping they can muddle through.

The Fourth Industrial Revolution has brought about immense technological advancements. Robots and artificial intelligence compete with the human labour force.

The industry is evolving with advancements in technology, bringing benefits across the whole value chain including distribution and sales, underwriting, claims, solutions and services, and operational processes.

It is a challenge for insurers to innovate from the inside to drive business growth. The main challenge is to identify where internal innovation comes from.

Some organisations are setting up labs to innovate from the inside, which sit outside of the day-to-day running of the business and look at the business from an outside perspective. Others are investing and partnering with tech start-ups, and other institutions.

Meanwhile, country regulators are looking at how regulation must change to cope with insurance of the future with several setting up sandboxes to help new companies.

This independent report is an overview of what insurers and regulators are doing to future proof insurance- written in a non-techie way by a long-standing insurance analyst.

Please Note:

This report does not contain images, diagrams or price comparisons.

It does include facts and figures - with tables when appropriate.
Note: Product cover images may vary from those shown
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  • Allianz
  • Cigna
  • HCF
  • Met Life
  • Northwestern Mutual
  • SCOR
  • MORE


  • Introduction
  • Sandboxes
  • Key trends
  • Customer centricity
  • Fintech


  • Regulation overview
  • European Banking Authority
  • European Commission

Regulation by Country

  • Abu Dhabi
  • Australia
  • Bahrain
  • Canada
  • China
  • Colombia
  • Cyprus
  • Czech Republic
  • Denmark
  • Dubai
  • Estonia
  • France
  • Germany
  • Gibraltar
  • Hong Kong
  • India
  • Ireland
  • Italy
  • Japan
  • Luxembourg
  • Malaysia
  • Malta
  • Montenegro
  • Netherlands
  • New Zealand
  • Norway
  • Russia
  • Singapore
  • South Africa
  • South Korea
  • Spain
  • Switzerland
  • Taiwan
  • Thailand
  • United Arab Emirates
  • United Kingdom
  • USA


  • Sharing economy
  • Social media
  • Reputation economy
  • Bitcoin
  • Technological advances
  • Distributed ledger technology
  • Blockchain technology
  • Blockchain and insurance
  • Blockchain in the future
  • Blockchain Ireland
  • Smart insurance contracts
  • Decentralised autonomous organisations
Note: Product cover images may vary from those shown
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  • Allianz
  • Aviva
  • AXA
  • BUPA
  • Cigna
  • Fairfax
  • FWD
  • Hartford
  • HCF
  • IAG
  • Legal and General
  • Lloyds of London
  • Met Life
  • MMI
  • MSIG
  • Munich Re
  • Northwestern Mutual
  • NTUC
  • Ping An
  • QBE
  • SCOR
  • Tokio Marine
  • Travelers
  • UnitedHealthcare
  • VIG
  • Willis Towers Watson
  • Zurich
Note: Product cover images may vary from those shown