Latest / The Demographics Podcast with Fexingo: Aging Populations, Birth Rates, and Economic Impact
How Falling Birth Rates Reshape the Insurance Industry
Episode 131 of The Demographics Podcast examines how declining birth rates and an aging population are fundamentally reshaping the insurance industry. Lucas and Luna focus on life insurance and long-term care insurance, using Japan as a case study where the over-65 population now exceeds 29%. They discuss how Japanese insurers shifted from death-benefit products to living-benefit and nursing-care riders, and how this trend is now appearing in the US and Europe. The hosts also explore the rise of 'longevity risk' as a new asset class, with investors buying life settlements—policies…
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