Latest / The Demographics Podcast with Fexingo: Aging Populations, Birth Rates, and Economic Impact
How Falling Birth Rates Reshape the Insurance Industry
Lucas and Luna explore how declining birth rates and aging populations are fundamentally altering the insurance industry. They focus on life insurance, where premiums are rising for younger cohorts as the risk pool shrinks, and on long-term care insurance, which is becoming increasingly unaffordable. The hosts cite data from the Swiss Re Institute showing that global life insurance premiums could grow at a slower rate of 2.5% annually over the next decade, down from 3.5% in the 2010s, due to demographic shifts. They also discuss how insurers are adapting by launching hybrid products that…
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