Latest / The Demographics Podcast with Fexingo: Aging Populations, Birth Rates, and Economic Impact
How Falling Birth Rates Reshape the Life Insurance Industry
Lucas and Luna examine how declining birth rates and longer lifespans are forcing life insurers to rethink actuarial tables and product design. They focus on Japan's experience where the market for traditional term life has shrunk while demand for annuity products and 'living benefits' has surged. The episode also looks at how insurers are adjusting premiums and underwriting for younger cohorts, and the rise of mortality-linked securities. A concrete look at an industry caught between fewer births and longer lives.
#LifeInsurance #Demographics #AgingPopulation #BirthRates…
The skinny
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