In 2026, personal lines insurers will face a market reshaped by changing demand, risk, and consumer expectations. Growth hinges on smarter digital engagement, genAI transformation, richer data, real-time risk insights, and emerging coverage areas.

As employment trends and economic stressors drive down life insurance products’ relative affordability, insurers must find new ways to sync up with potential customers. Product flexibility, investing in technology, and updating outreach tactics will be key.

As consumers turn to fintechs and payment providers for timely, solution-based support, banks are losing relevance. Staying in the game means shifting from product pushing to customer-led journeys.

As penetration weakens and margins shrink, insurers across business lines will prioritize emerging growth areas in 2025—including novel technologies—strategic marketing efforts, and leveraging favorable legislative changes.

As connected car technologies go mainstream, opportunities for advertisers are expanding. But success depends on balancing innovation with consumer privacy concerns and security challenges.

Traditional indemnity insurance isn’t keeping pace with climate change fallout, forcing P&C insurers to withdraw coverage from affected areas. Data-driven parametric insurance can help them plug coverage gaps and defend profits.

Insurers will lead the financial services pack on digital ad spend in 2024, buoyed by healthy profits. But a looming climate crisis will make their ad spend bonanza short-lived.

P&C insurers haven’t seen a market as hard as this one for a generation. Those willing to rework their business model from a reactive to a more proactive approach stand a better chance of returning to profitability.

The number of US life insurance policyholders is set to decline in the next few years. Understanding roadblocks to coverage in untapped and growing markets can help insurers right the ship.

Precipitously decreased funding is creating headwinds for fintech, but emerging environmental and regulatory crises will present innovative startups and vendors with lucrative opportunities in 2024.

Consumers’ trust in the healthcare system is eroding, and they’re turning to other sources for information and treatment. Here’s how that could play out in 2024.

Financial services marketers have had to do more with less as digital ad spending slowed over the last two years. But economic optimism has them ready to reopen their wallets.

US insurance digital ad spending growth will slow even further this year, lagging all other financial service sectors. Instead, insurers will focus squarely on maximizing their digital dollars.

Embedded channels will make up a large chunk of life insurance transactions within the next five years. Insurers that form the right partnerships today can reach coveted younger demographics and grow their customer bases.