1. What are the main challenges for insurers across Asia?

“Insurers across the region operate in highly diverse markets. Key challenges include closing protection gaps in emerging economies, managing rising healthcare costs, and responding to rapid population ageing – one of the fastest demographic shifts globally. Market volatility and prolonged low interest rates have put pressure on margins. At the same time, insurers must adapt to IFRS 17 and risk-based capital regimes, modernise legacy systems, improve capital efficiency, and meet growing expectations for affordable and digital insurance.”

2. What are the biggest opportunities?

“Asia offers strong growth opportunities by expanding coverage among emerging middle-class and first-time buyers. Closing protection gaps remains a major priority. Ageing populations are driving demand for health, annuity, and long-term care solutions. Digital distribution, microinsurance, takaful, and embedded insurance help reach new and underserved customers, including rural populations, more efficiently. Data-driven underwriting and innovative products support more inclusive, relevant, and sustainable coverage.”

3. How can these challenges and opportunities be addressed? “We support Asian insurers beyond traditional risk transfer by acting as a strategic capital and product partner. This includes capital relief, innovative product development, pricing, and underwriting optimisation. We also help manage volatility under new regulatory frameworks. Our teams use predictive underwriting models, digital health data, and analytics to improve efficiency and expand insurability. The focus is on fast, pragmatic, and market-relevant solutions.”

4. What’s the impact? “Clients can launch products faster, expand into underserved segments, and improve underwriting accuracy. The impact also includes stronger solvency positions, improved capital efficiency, and more sustainable product portfolios. Better risk management supports resilience against longevity and interest rate risks. Ultimately, insurers can scale more profitably, strengthen customer relationships, and build more inclusive, efficient, and future-ready businesses.”

5. What else helps turn challenges into opportunities? “Success starts with curiosity, close collaboration, deep local understanding, and an open-minded, pragmatic approach. We combine regional insight with our global expertise to shape solutions that reflect each market’s regulatory, demographic, and competitive realities. Our ambition is to be a trusted first call – delivering precisely the support that creates lasting value for our clients.”