Global Insurance Outlook

Life and P&C insurers adjust product mix and pricing as global economy recovers

Global life insurers continue their shift toward fee-based capital-light products amid low investment yields; ample capital buffers will help them withstand market volatility. Global P&C insurers will benefit from higher rates in commercial lines, but face more auto accidents and volatile results in personal lines.

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Global life insurance:
•    Economic recovery boosts life insurance sales, but pace varies by region/country
•    Low investment yields drive fee-based capital-light model shift, aided by sales digitalization
•    Ample capital to withstand changes in monetary policy and related market volatility; ESG demands on the rise

Global P&C insurance:
•    Rate increases exceed loss cost trends in commercial lines
•    Recovering economy means more miles driven and more auto claims in personal lines
•    Natural catastrophes cause widespread losses in commercial property and homeowners lines

  • Speakers keyboard_arrow_down
    Frank Yuen Vice President - Senior Analyst Moody's Investors Service Bio
    Bruce Ballentine Vice President - Senior Credit Officer Moody's Investors Service Bio
    Marc R. Pinto, CFA Managing Director, Financial Institutions and Global Co-Head of Insurance Moody's Ratings Bio

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