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Strategic Intelligence: Insurance Predictions 2026

Publisher GlobalData
Published Jan 15, 2026
Length 34 Pages
SKU # GBDT20850857

Description

Strategic Intelligence: Insurance Predictions 2026

Summary

In this report, we identify the top 10 themes that will impact the insurance sector in 2026 and beyond, including three mega themes. For each theme, we offer a series of predictions, identify winners and losers, and point you to further reading.

Beyond our mega themes we have seven further themes we think insurers should be paying attention to. Innovation (new product development), ESG, personalization, geopolitics, health and wellness, embedded insurance, and insurtech will all play a significant role in 2026 and beyond.

Scope
  • Artificial intelligence (AI) is undoubtedly the leading technology trend in the insurance industry. The impact of AI can be felt across the value chain.
  • The emergence of agentic AI throughout 2025 has only increased the buzz around AI and its capabilities. Agentic AI’s ability to react to live information and make human-like decisions will accelerate the impact AI has on insurance in 2026 and beyond.
  • Cyber insurance is the fastest-growing emerging insurance product, representing both a huge opportunity and a challenge for insurers. For example, a lack of historical data and understanding of pricing premiums makes it difficult for insurers to manage increased demand for this product.
Reasons to Buy
  • Benchmark yourself against the rest of the market.
  • Ensure you remain competitive as new innovations and insurance models begin to enter the market.
  • Identify leaders in the key themes we have chosen

Table of Contents

34 Pages
Executive Summary
Top Themes for 2026
Viewing the world’s data by theme helps you make important decisions
Artificial Intelligence
Sharp rise in global investment in AI in insurance will bear fruit in 2026
Insurers not at least trialing agentic AI in 2026 will be left behind
Demand from younger insurers will drive AI usage
Global businesses are comfortable using AI in insurance
Winners and losers
Further reading
Cyber Insurance
There will be sharp and consistent growth in global cyber insurance spending
Insurers hold the advantage in cyber but will need to act fast
Increase in cyber expertise in the industry will show in 2026 and beyond
High-profile cyber-attacks like Land Rover will be a key growth driver
Winners and losers
Further reading
Climate Change
Consistent growth forecast in climate change-related insurance line
Insurers can combat impact of climate change by promoting parametric insurance
Insurers will be judged on their net zero targets as we approach 2030
Insurance industry needs to face up to large areas becoming uninsurable
Winners and losers
Further reading
Innovation
Cyber insurance will see the greatest product growth
The rise of AI will create new product opportunities
Winners and losers
Further reading
ESG
Demand for ‘green insurance’ will grow as younger adults enter the market
The social aspect of ESG will rise in prominence as we head into 2026
Winners and losers
Further reading
Personalization
Consumers are willing to share data in exchange for tangible savings
Life insurance customers flag data sharing concerns heading into 2026
Winners and losers
Further reading
Geopolitics
The insurance industry will face a range of geopolitical risks in 2026
Trump’s tariffs are unpopular with businesses as we move into 2026
Winners and losers
Health and Wellness
Health insurers will need to utilize smart devices to become more competitive
Ability to track fitness goals and mental health support can attract customers
Winners and losers
Further reading
Embedded Insurance
Specialist providers will present a challenge to insurers
Embedded insurance appeals to global SMEs
Winners and losers
Further reading
Insurtech
Insurtech investment sees best year as we move into 2026
Insurtechs still suffer from a lack of brand recognition
Winners and losers
Further reading
Our Thematic Research Methodology
Report Authors
About GlobalData
Contact Us
List of Figures
Figure 1: The biggest themes driving insurance growth in 2026
Figure 2: Sharp rise in global investment in AI in insurance will bear fruit in 2026
Figure 3: Insurers not at least trialing agentic AI in 2026 will be left behind
Figure 4: Demand from younger insurers will drive AI usage
Figure 5: Global cyber insurance spending
Figure 6:Cyber Insurance
Figure 7: Consistent growth forecast in climate change-related insurance line
Figure 8: Insurers will be judged on their net zero targets as we approach 2030
Figure 9: Innovation
Figure 10: ESG
Figure 11: Personalization
Figure 12: Geopolitics
Figure 13: Health and Wellness
Figure 14: Embedded Insurance
Figure 15: Insurtech
Figure 16: Our approach to identifying the companies most likely to succeed in a sector over the next five years

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