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      Snap Chart

      Investors Are Losing Confidence in Most Insurers’ Growth Plans

      From opaque life products to unsustainable P&C pricing, insurers must tackle structural issues to win back credibility.

      Di Sean O'Neill, Andrew Schwedel, Daniel Jones, e Tanja Brettel

      Snap Chart

      Investors Are Losing Confidence in Most Insurers’ Growth Plans
      en

      Investor concerns about insurers’ growth prospects deepened in the first half of 2025, compared with 2024. Bain & Company analysis shows this skepticism is particularly acute in US life insurance, which is characterized by complex products, limited access to advice, and a continued drag from higher-for-longer interest rates. In property and casualty, growth through further rate increases seems unsustainable, as insurers contend with unaffordable premiums for many customers and poor price-to-risk alignment. The one bright spot is emerging market life insurance. To rebuild investor confidence, insurers broadly must improve their value propositions, solve the access and advice challenges for customers, and navigate a turbulent macro environment to balance growth with risk-adjusted profitability.

      • About this research

        This work is based on secondary market research, analysis of financial information available or provided to Bain & Company and a range of interviews with industry participants. Bain & Company has not independently verified any such information provided or available to Bain and makes no representation or warranty, express or implied, that such information is accurate or complete. Projected market and financial information, analyses and conclusions contained herein are based on the information described above and on Bain & Company’s judgment, and should not be construed as definitive forecasts or guarantees of future performance or results. The information and analysis herein does not constitute advice of any kind, is not intended to be used for investment purposes, and neither Bain & Company nor any of its subsidiaries or their respective officers, directors, shareholders, employees or agents accept any responsibility or liability with respect to the use of or reliance on any information or analysis contained in this document. This work is copyright Bain & Company and may not be published, transmitted, broadcast, copied, reproduced or reprinted in whole or in part without the explicit written permission of Bain & Company.

      Autori
      • Headshot of Sean O'Neill
        Sean O'Neill
        Partner, Chicago
      • Headshot of Andrew Schwedel
        Andrew Schwedel
        Partner, New York
      • Headshot of Daniel Jones
        Daniel Jones
        Partner, New York
      • Headshot of Tanja Brettel
        Tanja Brettel
        Practice Executive Vice President, Dusseldorf
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      First published in agosto 2025
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