Revealing the paths to 2040: four possible scenarios for insurance

From extreme weather events and natural disasters to geopolitical volatility and shifting demographics, insurers face increasing numbers and varieties of disruptions and uncertainties. At the same time, longstanding risk models are upended by rapid technological advances and evolving market needs. Opportunities abound – but the future is unclear.

This Economist Impact report, informed by expert interviews and an analysis of megatrends, presents insurers with four possible scenarios for the world in 2040. Each path forward describes a potential future, reflecting two main drivers of change:

• Pace of technological evolution.
• Level of global cooperation. 

How will insurance evolve? Challenge your assumptions as you delve into these scenarios, considering along the way how you should prepare.