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Insurance
Insurers are operating in an environment of heightened risk. From economic uncertainty and regulatory scrutiny to changing customer expectations and new forms of competition, insurers must navigate growing complexity while making long-term choices that shape stability and trust for customers, markets and society.
24,500
dedicated insurance professionals across 120 markets
$1.5bn
invested in next-generation AI and technology capabilities
33,500
data, AI and tech professionals providing industry-leading solutions
Solving your complex challenges
- Tech and data enablement
- Capital management
- Growth and innovation
CHALLENGE
Modernizing insurance operations with advanced technology, data, analytics and intelligent automation
Insurers must accelerate digital transformation to meet customer expectations, reduce costs and compete with new entrants. Yet legacy systems continue to limit agility, restrict data access and slow innovation, risking slower decisions, weaker insight and resilience.
HOW EY CAN HELP
EY teams help insurers modernize core systems, unlock value from data and artificial intelligence (AI), and automate key processes. Through leading technology alliances, our teams help deliver scalable solutions that improve efficiency, resilience, regulatory compliance and ROI.
- Improved operational efficiency: helping insurers digitize workflows and apply intelligent automation to reduce manual effort and streamline core insurance processes
- Increased agility and responsiveness: modernizing technology platforms so insurers can respond quickly to market shifts, emerging risks and evolving customer expectations
- Higher technology ROI: providing scalable, modern platforms through EY’s strategic technology alliances to drive clearer value and outcomes from technology investments
- Enhanced customer experiences: helping enable faster, simpler and more personalized digital interactions across the full insurance lifecycle, from underwriting to claims
CHALLENGE
Competing in an insurance market shaped by volatility, slow growth and alternative capital
Economic uncertainty, softening markets and rising alternative capital continue to reshape the insurance industry. Insurers must deploy capital more effectively, improve returns and manage risk to remain competitive and fund sustainable growth.
HOW EY CAN HELP
EY teams help insurers optimize capital allocation, strengthen performance and navigate market volatility. Our insurance advisory teams provide financial, strategic and operational insights to improve returns, help enhance resilience and support confident decision‑making across the enterprise.
- Smarter portfolio optimization: supporting insurers with insights and analytics that improve returns, balance risk and direct capital toward the highest‑value businesses, products and markets
- Strategic cost efficiency: helping insurers identify targeted cost reductions, productivity gains and simplified operating models that free up capital for growth and innovation
- Greater capital flexibility and resilience: adapting sourcing models and operating structures to respond to volatility, regulatory pressure and changing market conditions
- Clear growth pathways: supporting M&A, strategic partnerships and market expansion strategies that help insurers deploy capital confidently and accelerate long‑term value creation
CHALLENGE
Delivering personalized experiences and new value across channels at scale
Customer expectations are rising rapidly, driven by digital‑first experiences and new competitors. Insurers must deliver more personalized, relevant and seamless interactions across channels to deepen relationships, increase loyalty and compete with digital‑native and embedded insurance players.
HOW EY CAN HELP
EY teams help insurers accelerate growth by combining data, design and technology to modernize distribution, help enhance customer insight and build experiences that reflect what customers value. Our insurance consulting teams support innovation that drives engagement, relevance and long‑term value.
- Deeper customer insight: applying data, analytics and research to help insurers anticipate customer needs, refine offerings and strengthen relevance across the insurance lifecycle
- Greater customer engagement and loyalty: designing seamless, personalized experiences that build trust, help enhance satisfaction and increase lifetime value
- Increased share of wallet: helping to enable flexible, modular insurance products and services aligned to key moments and evolving expectations
- Accelerated digital growth: supporting modern channels, ecosystem partnerships and innovative platforms that extend reach, speed to market and drive competitive differentiation
How EY can help
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