Demographic shifts are
redrawing the
P&C insurance map:
Are you ready?

Unprecedented demographic transformation is occurring worldwide as the global population heads toward 9.66 billion by 2050. A rapidly aging population, urbanization, and evolving consumer preferences will reshape global risk landscapes and demand new business models: the P&C insurance industry will change across risk, protection, and service delivery.

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By 2050, Individuals aged 60+ will outnumber those aged <20 worldwide, excluding a younger Africa

26% will be the global dependency ratio, with every four workers supporting one senior dependent

Nearly 70% of the world will reside in urban centers, up from 58% today, with almost half of urban dwellers over 50

Our World Property and Casualty Insurance Report 2025 suggests that P&C insurers need to strive for continuous evolution, not just a one-time transformation, and the time is now:

  • Embrace a multi-horizon approach – one that balances immediate actions and performance, with long-term vision and positioning
  • Adapt business strategies, enhance operating models, strengthen risk management capabilities, and deploy capital strategically.

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