{"id":529747,"date":"2023-10-27T09:06:48","date_gmt":"2023-10-27T09:06:48","guid":{"rendered":"https:\/\/www.capgemini.com\/fi-en\/?post_type=research-and-insight&#038;p=529747"},"modified":"2025-03-18T11:03:21","modified_gmt":"2025-03-18T11:03:21","slug":"a-call-to-innovate-life-insurance-for-the-silver-economy","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/","title":{"rendered":"A call to innovate life insurance for the silver economy"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=2880&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=1440&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=1024&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=768&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/10\/Silver-ecoomy-Web-Banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:45% 37%\" 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\">Innovation<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">A call to innovate life insurance for the silver economy<\/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:\/\/prod.ucwe.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/ÎÚÑ»´«Ã½-Chow-Life-Insurance_weblock-version.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download the point of view<\/span><span class=\"type\">2 MB  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=963155\" 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-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=963155&amp;text=A%20call%20to%20innovate%20life%20insurance%20for%20the%20silver%20economy\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/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=963155&amp;text=A%20call%20to%20innovate%20life%20insurance%20for%20the%20silver%20economy\" 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<h2 class=\"wp-block-heading\" id=\"h-seniors-comprise-an-untapped-consumer-market-that-is-actively-seeking-solutions-to-help-them-age-well-it-s-time-for-insurers-to-get-creative-and-capture-this-enormous-opportunity\">Seniors comprise an untapped consumer market that is actively seeking solutions to help them age well. It\u2019s time for insurers to get creative and capture this enormous opportunity.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>In brief<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The silver economy (50+ population) is growing at a rapid rate, and they are living longer lives with greater needs, less support and rising costs.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aging adults are concerned about how they will fund retirement and seeking innovative insurance products they can benefit from in life, not just in death.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurers can build flexible, senior-focused solutions and offer affordable products by creating holistic ecosystems with partner carriers and organizations.<\/li>\n<\/ul>\n\n\n\n<p>Today\u2019s seniors are living longer and staying active longer than ever before. But declining governmental support paired with rising healthcare costs and an increasing retirement protection gap has left many concerned about how to adequately fund retirement and secure their futures. What\u2019s more, the size of our aging population is entering uncharted territory \u2014 by 2050, the <a href=\"https:\/\/population.un.org\/wpp\/Download\/Standard\/MostUsed\/\" target=\"_blank\" rel=\"noreferrer noopener\">over-50 cohort will reach 3.2 billion<\/a>.<\/p>\n\n\n\n<p>More than 75% of the affluent segment of the aging population <a href=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/world-life-insurance-report\/\">desire relevant life products<\/a>, yet only 27% of insurers have the advanced product development capabilities needed to rise to the occasion. Middle, working, and lower socioeconomic groups are also ready to invest in the right insurance products that can meet their needs.<\/p>\n\n\n\n<p>The global growth of the life insurance sector expected by 2030 is dramatic:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Life insurance and annuities:<\/strong> <a href=\"https:\/\/www.globenewswire.com\/en\/news-release\/2021\/08\/04\/2274671\/28124\/en\/ÎÚÑ»´«Ã½-on-the-Life-Insurance-Providers-Global-Market-to-2030-Identify-Growth-Segments-for-Investment.html\" target=\"_blank\" rel=\"noreferrer noopener\">49% growth from 2020 to reach $4.2 trillion<\/a><\/li>\n\n\n\n<li><strong>Long-term care (LTC):<\/strong> <a href=\"https:\/\/www.precedenceresearch.com\/long-term-care-market\" target=\"_blank\" rel=\"noreferrer noopener\">86% growth from 2021 to reach $1.8 trillion<\/a><\/li>\n\n\n\n<li><strong>Financial advisory:<\/strong> <a href=\"https:\/\/www.alliedmarketresearch.com\/financial-advisory-services-market-A06946\" target=\"_blank\" rel=\"noreferrer noopener\">71% growth from 2020 to reach $136 billion<\/a><\/li>\n<\/ul>\n\n\n\n<p>As the responsibility to secure retirement falls more and more onto the shoulders of individuals and families, the silver economy life insurance market is ramping up \u2014 and insurers must get ready to meet the demand.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3 ways to innovate life product offerings for the silver economy<\/h2>\n\n\n\n<p>Vast opportunities await insurers who tailor product offerings and customer experiences to meet the needs of the current silver economy \u2014 and the next generation. Here are three ways to get started:<\/p>\n\n\n\n<p><strong><span style=\"text-decoration: underline;\">1. Partner with other carriers and organizations<\/span><\/strong> to establish unstoppable ecosystems that deliver combination products to effectively support aging needs. Carriers and vendors each have unique strengths, market access and customers; it\u2019s important to approach these relationships with an open mind to see what synergies exist between you and other carriers and vendors.<\/p>\n\n\n\n<p>Financial players are instrumental in moving insurers past rigid products. Technology providers enable insurers to seamlessly integrate protection, retirement, and health offerings into a singular system. And senior-focused firms like assisted living facilities have a wealth of service offerings designed for the silver economy.<\/p>\n\n\n\n<p>Successful collaborations reduce time, resources and financial investment while bolstering the attractiveness of your offerings to a wider range of prospective customers.<\/p>\n\n\n\n<p>Case in point: Assured Allies embeds their Age Assured wellness program into partner carriers\u2019 senior-focused Long-term care (LTC) products. The program provides assistive devices like raised toilet seats, shower chairs and even shoehorns to foster insureds\u2019 continued independence and promote aging in place, which <a href=\"https:\/\/www.assuredallies.com\/ageassured\/\" target=\"_blank\" rel=\"noreferrer noopener\">reduces claim incidence up to 13%<\/a>.<\/p>\n\n\n\n<p><strong><span style=\"text-decoration: underline;\">2. Build innovative and flexible solutions<\/span> <\/strong>to ensure our economic future. We\u2019re fast approaching the <a href=\"\/insights\/research-library\/asset-retention-riding-the-great-wealth-transfer-wave\/\" target=\"_blank\" rel=\"noreferrer noopener\">greatest wealth transfer<\/a> the United States has ever seen, and new products must appeal to both aging adults and the sandwich generation behind them. The next generation faces obstacles like caring for aging parents or shouldering debt from parents who have passed away while still maintaining financial responsibility for their own children\u2019s needs.<\/p>\n\n\n\n<p>To <a href=\"\/insights\/expert-perspectives\/closing-the-generational-life-insurance-gap-with-education\/\" target=\"_blank\" rel=\"noreferrer noopener\">meet the needs of this next generation<\/a> of customers, we must market and deliver products that offer living cash benefits they can easily access during their lifetime, rather than just showing value in their death.<\/p>\n\n\n\n<p>Carriers that prioritize flexibility over rigidity, connected lines of business over a siloed culture and tangible value over intangible benefits will successfully gain traction with Gen X, Millennials and even Gen Z.<\/p>\n\n\n\n<p><strong><span style=\"text-decoration: underline;\">3. Offer affordable products<\/span><\/strong> to meet the needs of many. The retirement protection gap continues to widen as seniors seek to live healthier and longer, with inflation and rising costs compounding the situation.<\/p>\n\n\n\n<p>Many seniors are returning to work, and predictions indicate the <a href=\"https:\/\/www.bls.gov\/opub\/ted\/2021\/number-of-people-75-and-older-in-the-labor-force-is-expected-to-grow-96-5-percent-by-2030.htm\" target=\"_blank\" rel=\"noreferrer noopener\">U.S. workforce aged 75 and older will grow by 96%<\/a> from 2020 to 2030. The silver economy\u2019s middle and lower socioeconomic groups are in greatest need of senior-focused insurance products like LTC that have historically been designed for and marketed to HNW clientele.<\/p>\n\n\n\n<p>Life insurance policies that permit policyholders to use a percentage of the death benefit to cover LTC costs, for example, are under-marketed and misunderstood by a large prospective customer base. Many people would wholeheartedly welcome this solution to help protect against future health and care costs that they otherwise wouldn\u2019t be able to afford.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">In conclusion<\/h2>\n\n\n\n<p>In less than 30 years, <a href=\"https:\/\/population.un.org\/wpp\/Download\/Standard\/MostUsed\/\" target=\"_blank\" rel=\"noreferrer noopener\">seniors over the age of 50 will comprise 33% of the global population<\/a>. We must meet this senior-focused demand head-on, using advanced technology to efficiently deliver useful products to meet the <a href=\"\/insights\/research-library\/de-risk-legacy-to-redefine-engagement\/\" target=\"_blank\" rel=\"noreferrer noopener\">needs of the silver economy<\/a> in a world where they\u2019re living longer, fuller lives than ever before.<\/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\"><h3 data-maxlength=\"34\">Meet our expert<\/h3><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2022\/08\/Samantha-Chow-Headshot-2024_2.jpg\" alt=\"Samantha Chow\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBeb2c5368_7a2e_43c5_93f9_22e5cae5c0be\" data-bs-expert-title=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/in\/samantha-chow-3907638\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Samantha Chow<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Leader for Life Insurance, Annuities and Benefits Sector at ÎÚÑ»´«Ã½<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"subnav-button--form\" href=\"javascript:void(0)\" aria-label=\"contact us\" data-bs-toggle=\"modal\" data-bs-target=\"#WPBeb2c5368_7a2e_43c5_93f9_22e5cae5c0be\" data-bs-expert-title=\"Samantha Chow\">\n\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"ico-form\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" href=\"https:\/\/www.linkedin.com\/in\/samantha-chow-3907638\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Samantha Chow is an expert in the global life, annuity, and benefits markets and has 25 years of experience. She has deep expertise in driving the growth of enterprise-wide capabilities that facilitate transformational and cultural change, focusing on customer experience, operational efficiency, legacy modernization, and innovation to support competitive advancement<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal\" id=\"WPBeb2c5368_7a2e_43c5_93f9_22e5cae5c0be\">\n\t\t\t\t\t<div class=\"modal-dialog modal-dialog-centered modal-lg modal-dialog-scrollable landing-page-modals\">\n\t\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t\t<div class=\"modal-header\">\n\t\t\t\t\t\t\t\t<button type=\"button\" class=\"btn-close\" aria-label=\"close\" data-bs-dismiss=\"modal\"><\/button>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" \n\t\t\t\t\t\t\t\t\t\talt=\"Connect with us\" class=\"light\" \/>\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\" \n\t\t\t\t\t\t\t\t\t\talt=\"Connect with us\" class=\"dark\" \/>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"form-title\">Connect with us<\/h4>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_499503_3039002009\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_499503_5406_179018488\">Expert title\t\t\t\t\t<\/label>\n\t\t\t\t<input type=\"hidden\" id=\"_mf_499503_5406_179018488\" class=\"mf_field__input empty\" name=\"_mf_499503_5406\" data-validate=\"text\" data-hidden-field-tag=\"expert_title\" value=\"\"  \/>\n\t\t\t<\/div>\n\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_499503_8432_3324268375\" name=\"_mf_499503_8432\" placeholder=\"First Name\" required \/><label for=\"_mf_499503_8432_3324268375\" class=\"form-label\">First Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">First Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_499503_4312_1730711007\" name=\"_mf_499503_4312\" placeholder=\"Last Name\" required \/><label for=\"_mf_499503_4312_1730711007\" class=\"form-label\">Last Name <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Last Name is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_499503_6398_970723952\" name=\"_mf_499503_6398\" placeholder=\"Email\" required \/><label for=\"_mf_499503_6398_970723952\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email is not valid.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_499503_6187_3264421567\" name=\"_mf_499503_6187\" placeholder=\"Company\" required \/><label for=\"_mf_499503_6187_3264421567\" class=\"form-label\">Company <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Company is not valid.<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_499503_2013_1430512400\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_499503_2013_1430512400\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_499503_2013\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Country<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afghanistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Aland Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Albania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Algeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >American Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguilla<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Antarctica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Antigua And Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Armenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Australia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >Austria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaijan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Belarus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >Belgium<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >Bhutan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bolivia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >Bosnia And Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botswana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Bouvet Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brazil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >British Indian Ocean Territory<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulgaria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Cambodia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Cameroon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cape Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Cayman Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Central African Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chad<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Christmas Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Cocos (Keeling) Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Colombia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comoros<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Cook Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Cote D&#039;Ivoire<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Croatia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Cyprus<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Czech Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Denmark<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Dominican Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Ecuador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egypt<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Equatorial Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritrea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Estonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Ethiopia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Falkland Islands (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Faroe Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >France<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >French Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >French Polynesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >French Southern Territories<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gabon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >Gambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Georgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Germany<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Ghana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Greece<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Greenland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Grenada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadeloupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guinea-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guyana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Heard Island &amp; Mcdonald Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Holy See (Vatican City State)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungary<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Iceland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >India<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indonesia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Iran, Islamic Republic Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraq<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Ireland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Isle Of Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >Italy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Japan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jordan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Kazakhstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Kenya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Korea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Kyrgyzstan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Lao People&#039;s Democratic Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Latvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >Lebanon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesotho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Liberia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Libyan Arab Jamahiriya<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Lithuania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxembourg<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macao<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Macedonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madagascar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Malaysia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldives<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Marshall Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Mauritania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Mauritius<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >Mexico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micronesia, Federated States Of<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Moldova<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >Monaco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mongolia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Morocco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mozambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Myanmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Namibia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Netherlands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Netherlands Antilles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >New Caledonia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >New Zealand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicaragua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >Niger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nigeria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Norfolk Island<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Northern Mariana Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Norway<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Oman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Pakistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Palestinian Territory, Occupied<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panama<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua New Guinea<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Philippines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Poland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Puerto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Qatar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reunion<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Romania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Russian Federation<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Rwanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >Saint Barthelemy<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Saint Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >Saint Kitts And Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Saint Lucia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >Saint Martin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre And Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >Saint Vincent And Grenadines<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >Sao Tome And Principe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Saudi Arabia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >Serbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seychelles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Sierra Leone<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapore<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Slovakia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Slovenia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Solomon Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Somalia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >South Africa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >South Georgia And Sandwich Isl.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Spain<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sudan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard And Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Swaziland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Sweden<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Switzerland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Syrian Arab Republic<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajikistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanzania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Thailand<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad And Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tunisia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turkey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turkmenistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Turks And Caicos Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ukraine<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >United Arab Emirates<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >United Kingdom<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >United States<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >United States Outlying Islands<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguay<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbekistan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Virgin Islands, British<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Virgin Islands, U.S.<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis And Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Western Sahara<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >Yemen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Zambia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimbabwe<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Country is not valid.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t});\n\t\t\t\t\t\t$select.on('blur', function() {\n\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t});\n                    });\n                });\n            });\n        <\/script>\n\n\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"number\" class=\"form-control\" id=\"_mf_499503_7496_3272005376\" name=\"_mf_499503_7496\" placeholder=\"Phone\"  \/><label for=\"_mf_499503_7496_3272005376\" class=\"form-label\">Phone (optional)<\/label><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><textarea type=\"text\" class=\"form-control\" id=\"_mf_499503_40_3403359152\" name=\"_mf_499503_40\" placeholder=\"Your Message\" required><\/textarea><label for=\"_mf_499503_40_3403359152\" class=\"form-label\">Your Message <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Your Message is not valid.<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_499503_5309_2044627156\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_499503_5309[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_499503_5309_2044627156\" class=\"form-check-label consent-text\">\n\t\t\t\tI agree to ÎÚÑ»´«Ã½ collecting and processing my personal data to allow me to receive information on ÎÚÑ»´«Ã½ services. For further information, please see our <a href=\"https:\/\/www.capgemini.com\/fi-en\/privacy-notice\/\">Privacy Notice.<\/a> &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\" role=\"button\" tabindex=\"0\"  aria-label=\"submit the form\">\n\t\t\t\t\t<span class=\"slide-text\">Slide to submit<\/span>\n\t\t\t\t\t<div class=\"mf_field__input slider-frm-btn\" rel=\"_mf_499503_1712\">\t\t\t\t\t\t\n\t\t\t\t\t\t<i class=\"icon icon-zodiak-arrow-right arrow-icon\"><\/i>\n\t\t\t\t\t\t<i class=\"icon icon-zodiak-check tick-icon d-none\"><\/i>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Slide to submit\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Submitted\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"499503\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"expert-connect-capgemini-finland-new-website-2022\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"98bdd65cdc\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<input type = \"hidden\" name = \"mf_form_field_validate\" class = \"mf_form_field_validate\" \/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tThank you for filling out the form! You will be contacted shortly.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>We are sorry, the form submission failed. Please try again.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG499503 = {\"499503\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n<\/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<section class=\"latest-insights layout-odd \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Related research and insights<\/h2><\/div><div class=\"layout-single-card\">\n                      <div class=\"row align-items-center w-lg-100\">\n                        <div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/world-life-insurance-report\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=2048&#038;quality=70 1x, https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=500&#038;quality=70 1x, https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg?w=1000&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/09\/Capcom-Webpage-Banner_2880x1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/world-life-insurance-report\/\" aria-label=\"World Life Insurance Report 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">World Life Insurance Report 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/claims-transformation-life-insurers-shouldnt-have-to-choose-between-caring-for-their-customers-and-their-assets\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/03\/Life-Insurance-Claims-Transformation.jpg\" alt=\"insurance claims transformation\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/riding-the-great-wealth-transfer-wave\/\" aria-label=\"Asset retention : riding the great wealth transfer wave\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Asset retention : riding the great wealth transfer wave<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/claims-transformation-life-insurers-shouldnt-have-to-choose-between-caring-for-their-customers-and-their-assets\/\" aria-label=\"Claims transformation: Life insurers shouldn&#039;t have to choose between caring for their customers and their assets\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Point of view<\/div>\n                                <h3 class=\"card-title\">Claims transformation: Life insurers shouldn&#039;t have to choose between caring for their customers and their assets<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\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 service<\/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:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.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=\"_blank\" rel=\"noopener noreferrer\"><h4>Life, annuities, and benefits<\/h4><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Seniors comprise an untapped consumer market that is actively seeking solutions to help them age well. It\u2019s time for insurers to get creative and capture this enormous opportunity.<\/p>\n","protected":false},"author":440,"featured_media":529748,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"75b8ed43-2a3b-4f6a-9aa8-86f028d02cb4\",\"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":209,"primary_term":"Innovation","featured_focal_points":""},"tags":[],"research-and-insight-type":[66,206],"theme":[209],"brand":[],"service":[],"industry":[445,26],"partners":[],"content-group":[],"class_list":["post-529747","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-point-of-view","research-and-insight-type-report","theme-innovation","industry-financial-services","industry-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A call to innovate life insurance for the silver economy - ÎÚÑ»´«Ã½ Finland<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A call to innovate life insurance for the silver economy\" \/>\n<meta property=\"og:description\" content=\"Seniors comprise an untapped consumer market that is actively seeking solutions to help them age well. It\u2019s time for insurers to get creative and capture this enormous opportunity.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/\" \/>\n<meta property=\"og:site_name\" content=\"ÎÚÑ»´«Ã½ Finland\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-18T11:03:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/\",\"name\":\"A call to innovate life insurance for the silver economy - ÎÚÑ»´«Ã½ Finland\",\"isPartOf\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg\",\"datePublished\":\"2023-10-27T09:06:48+00:00\",\"dateModified\":\"2025-03-18T11:03:21+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#primaryimage\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg\",\"contentUrl\":\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg\",\"width\":2880,\"height\":1800},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Research &amp; insights\",\"item\":\"https:\/\/www.capgemini.com\/fi-en\/research-and-insight\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"A call to innovate life insurance for the silver economy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.capgemini.com\/fi-en\/#website\",\"url\":\"https:\/\/www.capgemini.com\/fi-en\/\",\"name\":\"ÎÚÑ»´«Ã½ Finland\",\"description\":\"ÎÚÑ»´«Ã½\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"A call to innovate life insurance for the silver economy - ÎÚÑ»´«Ã½ Finland","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/","og_locale":"en_US","og_type":"article","og_title":"A call to innovate life insurance for the silver economy","og_description":"Seniors comprise an untapped consumer market that is actively seeking solutions to help them age well. It\u2019s time for insurers to get creative and capture this enormous opportunity.","og_url":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/","og_site_name":"ÎÚÑ»´«Ã½ Finland","article_modified_time":"2025-03-18T11:03:21+00:00","og_image":[{"width":1200,"height":627,"url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2025\/10\/New-Web-preview-global.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/","url":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/","name":"A call to innovate life insurance for the silver economy - ÎÚÑ»´«Ã½ Finland","isPartOf":{"@id":"https:\/\/www.capgemini.com\/fi-en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#primaryimage"},"image":{"@id":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#primaryimage"},"thumbnailUrl":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg","datePublished":"2023-10-27T09:06:48+00:00","dateModified":"2025-03-18T11:03:21+00:00","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#primaryimage","url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg","contentUrl":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg","width":2880,"height":1800},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/fi-en\/"},{"@type":"ListItem","position":2,"name":"Research &amp; insights","item":"https:\/\/www.capgemini.com\/fi-en\/research-and-insight\/"},{"@type":"ListItem","position":3,"name":"A call to innovate life insurance for the silver economy"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/fi-en\/#website","url":"https:\/\/www.capgemini.com\/fi-en\/","name":"ÎÚÑ»´«Ã½ Finland","description":"ÎÚÑ»´«Ã½","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/fi-en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"theme_term_info":[{"id":209,"name":"Innovation"}],"industry_term_info":[{"id":445,"name":"Financial services"},{"id":26,"name":"Insurance"}],"services_term_info":[],"partners_term_info":[],"brand_term_info":[],"brand_term":[],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"A call to innovate life insurance for the silver economy","url":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/","mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/"},"thumbnailUrl":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg"},"articleSection":"Uncategorized","author":[{"@type":"Person","name":"vrushalimandarkhopkar"}],"creator":["vrushalimandarkhopkar"],"publisher":{"@type":"Organization","name":"ÎÚÑ»´«Ã½ Finland","logo":""},"keywords":[],"dateCreated":"2023-10-27T09:06:48Z","datePublished":"2023-10-27T09:06:48Z","dateModified":"2025-03-18T11:03:21Z"},"rendered":"<meta name=\"parsely-title\" content=\"A call to innovate life insurance for the silver economy\" \/>\n<meta name=\"parsely-link\" content=\"https:\/\/www.capgemini.com\/fi-en\/insights\/research-library\/a-call-to-innovate-life-insurance-for-the-silver-economy\/\" \/>\n<meta name=\"parsely-type\" content=\"post\" \/>\n<meta name=\"parsely-image-url\" content=\"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg?w=150&amp;h=150&amp;crop=1\" \/>\n<meta name=\"parsely-pub-date\" content=\"2023-10-27T09:06:48Z\" \/>\n<meta name=\"parsely-section\" content=\"Uncategorized\" \/>\n<meta name=\"parsely-author\" content=\"vrushalimandarkhopkar\" \/>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/capgemini.com\/p.js"},"featured_image_src":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg","featured_image_alt":"","jetpack_sharing_enabled":true,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"ÎÚÑ»´«Ã½ Finland","distributor_original_site_url":"https:\/\/www.capgemini.com\/fi-en","push-errors":false,"tag_names":[],"featured_image_url":"https:\/\/www.capgemini.com\/fi-en\/wp-content\/uploads\/sites\/26\/2023\/10\/Silver-ecoomy-Web-Banner.jpg","_links":{"self":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/research-and-insight\/529747","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/research-and-insight"}],"about":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/types\/research-and-insight"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/users\/440"}],"version-history":[{"count":3,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/research-and-insight\/529747\/revisions"}],"predecessor-version":[{"id":542360,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/research-and-insight\/529747\/revisions\/542360"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media\/529748"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/media?parent=529747"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/tags?post=529747"},{"taxonomy":"research-and-insight-type","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/research-and-insight-type?post=529747"},{"taxonomy":"theme","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/theme?post=529747"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/brand?post=529747"},{"taxonomy":"service","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/service?post=529747"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/industry?post=529747"},{"taxonomy":"partners","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/partners?post=529747"},{"taxonomy":"content-group","embeddable":true,"href":"https:\/\/www.capgemini.com\/fi-en\/wp-json\/wp\/v2\/content-group?post=529747"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}