{"id":518168,"date":"2024-03-11T17:47:00","date_gmt":"2024-03-11T17:47:00","guid":{"rendered":"https:\/\/www.capgemini.com\/au-en\/?post_type=research-and-insight&#038;p=518168"},"modified":"2025-04-03T05:17:56","modified_gmt":"2025-04-03T05:17:56","slug":"setting-the-stage-for-tomorrows-carriers-and-customers-to-thrive","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/au-en\/insights\/research-library\/setting-the-stage-for-tomorrows-carriers-and-customers-to-thrive\/","title":{"rendered":"Setting the stage for tomorrow\u2019s carriers and customers to thrive"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/SettingTheStageForNextGenCarriers-Consumers_-LP-banner-2880x1800-1.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:44% 15%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Customer first<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Setting the stage for tomorrow\u2019s carriers and customers to thrive<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Setting-the-stage-next-gen-consumers-carriers-Secured.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download our point of view<\/span><span class=\"type\">972 KB  pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=997741\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=997741\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-advanced-backend-solutions-evolve-insurers-technology-and-propel-capabilities-forward-to-serve-the-next-generation-of-insureds-and-beneficiaries-alike\">Advanced backend solutions evolve insurers\u2019 technology and propel capabilities forward to serve the next generation of insureds and beneficiaries alike.<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-in-brief\">In brief<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurers must change the way they operate, adapt their products and implement creative marketing efforts to resonate with younger generations who have different goals, needs, expectations and consumer behaviors than their baby boomer predecessors. <\/li>\n\n\n\n<li>Modern core system technology and a customer-centric mindset are the required foundation for carriers to thrive in the future and successfully meet the needs of the next generation of consumers.<\/li>\n\n\n\n<li>Insurers must prepare to say goodbye to legacy systems and adopt the right models and processes to evolve with the changing needs of their customers.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><\/p>\n\n\n\n<p>Baby boomers are phasing out of the target market for life insurance, putting the United States on the verge of the <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/asset-retention-riding-the-great-wealth-transfer-wave\/\" target=\"_blank\" rel=\"noreferrer noopener\">greatest wealth transfer<\/a> it has ever seen. As the next generations \u2014 Gen X, Millennials and even Gen Z \u2014 come of age, insurers are seeking to gain market share from them. This wealth transfer requires carriers to focus on younger beneficiaries with the same rigor as they did their predecessors, establishing long-term relationships and supporting the next generation throughout the life cycle of the policy to promote <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/claims-transformation-life-insurers-shouldnt-have-to-choose-between-caring-for-their-customers-and-their-assets\/\" target=\"_blank\" rel=\"noreferrer noopener\">asset retention<\/a> and secure more avenues for future business.<\/p>\n\n\n\n<p>The only challenge is that looks a little different than it did 20+ years ago. &nbsp;<\/p>\n\n\n\n<p>This growing young customer base consumes information differently and has higher expectations for seamless purchase experiences than their baby boomer predecessors. Many rely on digital tools and online research to make their financial decisions, and these sources commonly deter them from even considering life insurance products in favor of saving or investing their assets instead.<\/p>\n\n\n\n<p>This younger generation of customers largely doesn\u2019t understand the importance and value of life insurance, and they aren\u2019t purchasing it with the same vigor as previous generations. According to a 2023 Swiss Re report, the global protection gap reached a new high of <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/insurance-top-trends-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">USD 1.8 trillion from 2018 to 2022<\/a>, which is a cumulative five-year increase of 20%.<\/p>\n\n\n\n<p>Insurers will need to adapt their business models, innovate their product offerings and get creative with <a href=\"https:\/\/www.capgemini.com\/insights\/expert-perspectives\/closing-the-generational-life-insurance-gap-with-education\/\" target=\"_blank\" rel=\"noreferrer noopener\">education<\/a> to successfully reach and resonate with these younger generations. This starts with the carrier\u2019s commitment to adopt a <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/a-customer-centric-business-model-unlocks-value-for-insurers\/\" target=\"_blank\" rel=\"noreferrer noopener\">customer-centric mindset<\/a> that makes consumer experiences more seamless and less complicated by redesigning systems, processes and strategies around the customer\u2019s needs instead of the business\u2019 product lines.<\/p>\n\n\n\n<p>Beyond this core shift in perspective, life insurance carriers need to adapt and provide flexible, more inclusive, multi-purposed products with a focus on life \u2014 not death \u2014to win the business of the younger customer. The demand for personalized, value-added services is high, even for older insured customers.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>ÎÚÑ»´«Ã½\u2019s World Life and Health Insurance Report 2022 found that <a href=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/08\/WLHIR_2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">74% of policyholders<\/a> seek additional valuable services tailored to their needs.<\/p>\n<\/blockquote>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/setting-the-stage-Figure-1.png?w=960\" alt=\"\" class=\"wp-image-1004269\"\/><\/figure>\n\n\n\n<p><a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-how-to-transform-your-systems-to-meet-the-needs-of-the-next-generation\">How to transform your systems to meet the needs of the next generation<\/h4>\n\n\n\n<p>Looking for new solutions that go beyond simply maintaining and updating current systems can be daunting, but legacy technology is preventing businesses from evolving to meet the needs of their changing customer base.<\/p>\n\n\n\n<p>Now is the time to proactively develop a roadmap for how your business will evolve with the needs of the younger market; significant, innovative measures will be required to stay relevant far into the future. Ask these two fundamental questions to start down the path:<\/p>\n\n\n\n<ol style=\"list-style-type:1\" class=\"wp-block-list\">\n<li>How can we eliminate legacy systems, structures and processes to become a more customer-centric business?<br><br>Say goodbye to the practices and models that no longer serve your objectives by:<br>\n<ul class=\"wp-block-list\">\n<li>Evaluating all systems that require a significant investment of time and money to maintain<\/li>\n\n\n\n<li>Tracking which lines of business are still profitable and relevant as-is, which can be modified to become more customer-centric and which should be sold off\/discontinued<\/li>\n\n\n\n<li>Weighing your risk tolerance with current legacy systems and what your business is willing to sustain for different product lines; risk of moving to newer systems<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Will the systems we have in place today allow us to evolve with the changing needs of our customers?<br><br>Evaluate the effectiveness of current systems to determine their continued usefulness by:<br>\n<ul class=\"wp-block-list\">\n<li>Assessing if your core system is modern enough to leverage advanced tools like artificial intelligence (AI), low-no code and workflow rules that can support a more flexible future <\/li>\n\n\n\n<li>Determining whether current systems generate quality data and aggregate consumer insights that guide efforts to deepen customer engagement across all generations<\/li>\n\n\n\n<li>Finding the best way forward to implement a new core system if it is warranted, either by <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/de-risk-legacy-to-redefine-engagement\/\" target=\"_blank\" rel=\"noreferrer noopener\">de-risking legacy systems with a digital API wrapper<\/a>, using mainframe as a service with an IT or implementation partner, opting for a riskier straight data migration or using generative AI to migrate off of legacy systems.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/setting-the-stage-Figure-2.png?w=960\" alt=\"\" class=\"wp-image-1004270\"\/><\/figure>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-here-s-what-is-possible\">Here\u2019s what is possible<\/h4>\n\n\n\n<p>See technological transformation in action with three insurance giants that adopted new, customer-centric systems to optimize their services and offerings for the next generation.<\/p>\n\n\n\n<ol style=\"list-style-type:1\" class=\"wp-block-list\">\n<li><strong>Largest mutual insurer in the U.S. with over 175 years in business modernized legacy systems to promote customer-centricity<\/strong><br><br><em>The problem: <\/em><a href=\"https:\/\/www.equisoft.com\/insights\/insurance\/how-is-new-york-lifes-digital-transformation-enhancing-its-175-year-old-mission-to-protect-families\" target=\"_blank\" rel=\"noreferrer noopener\">New York Life was using legacy systems<\/a> and outdated technology that limited efficiency, innovation potential and their ability to deliver the optimal customer experience.<br><br><em>The solution: <\/em>The company completed a three-step process to augment their legacy system with an API wrapper. First, an inventory analysis was performed to prioritize existing systems for digital transformation using APIs. Then, APIs were initially developed for smaller, less-critical functions to show proof of value. Finally, the digital transformation was rolled out on a broader scale across the organization.<br><br><em>The result: <\/em>De-risking their legacy system with an API wrapper reduced this insurer\u2019s reliance on legacy technology and powered up their customer experience by speeding up core processes and improving advisor effectiveness.<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Global insurer\u2019s large UK-based car insurer adopts cloud solution enhancing online quote management with automated pricing<\/strong><br><br><em>The problem: <\/em><a href=\"https:\/\/customers.microsoft.com\/en-us\/story\/1448405303873083243-axa-uk-insurance-azure-machine-learning\" target=\"_blank\" rel=\"noreferrer noopener\">AXA was supplying 30 million car insurance quotes<\/a> to aggregator and broker sites daily, and needed to streamline their online quote management system so they could deploy new pricing models faster and with greater agility.<br><br><em>The solution: <\/em>The company moved to Microsoft Azure\u2019s platform as a service (PaaS) cloud to automate new pricing model deployment.<br><br><em>The result: <\/em>Harnessing cloud capabilities afforded this company greater flexibility, accessibility, reliability and scalability that has improved the customer experience, enhanced security and promoted cost-efficiency. &nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>International, 150-year-old multi-line insurer utilizes low-code platform to produce new enterprise solutions that optimize underwriter workflows and improve the customer experience.<\/strong><br><br><em>The problem: <\/em><a href=\"https:\/\/www.mendix.com\/press\/international-insurance-giant-rolls-out-new-enterprise-wide-solutions-developed-on-mendix-low-code-platform\/\" target=\"_blank\" rel=\"noreferrer noopener\">Zurich was struggling with legacy technology<\/a> that was holding them back from iterating as quickly and efficiently as they required to meet the growing needs of both underwriters and customers.<br><br><em>The solution: <\/em>The company used the Mendix low-code platform to accelerate their digital transformation capabilities to streamline underwriter workflows and build a \u201cMy Plans Portal\u201d for customers to obtain personal pension and investment details through one account.<br><br><em>The result: <\/em>Low-code technology has bridged this company\u2019s legacy and modern technology to enable faster product innovation and more personalized policyholder experiences while reducing coding and development costs.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-in-conclusion\">In conclusion<\/h4>\n\n\n\n<p>Customers 65 years and older own <a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/insurance-top-trends-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">40% of life insurers\u2019 assets<\/a> under management and are poised to transfer this to their beneficiaries by 2040. It\u2019s time insurers start thinking seriously about the next generation of consumers so they can become tomorrow\u2019s life insurance customers.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-people-slider section section--expert-slider wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Meet our expert<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\"><\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Slider-next\"><\/button><\/div><\/div><\/section>\n\n\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Featured solution<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Life, annuities and benefits\" href=\"\/industries\/insurance\/life-annuities-benefits\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Life, annuities and benefits<\/h3><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Advanced backend solutions evolve insurers\u2019 technology and propel capabilities forward to serve the next generation of insureds and beneficiaries alike.<\/p>\n","protected":false},"author":33,"featured_media":518169,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"ba03b4e0-a124-4dbe-bf4e-676569cedacb\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":221,"primary_term":"Customer 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