The November 2022 Aite-Novarica Group report outlines the Aite-Novarica 100 framework for life, annuity, and benefits insurers, mapping essential digital, data, and core capabilities across functional areas from product development to claims and IT operations. Based on insurer surveys, the study tracks maturity growth, with large insurers leading in advanced analytics, AI pilots, and customer behavior insights, while midsize firms test AI-driven product design. Distribution is widely deployed but rarely mature, and emerging capabilities like intelligent text ingestion are gaining traction. The report guides modernization priorities to enhance competitiveness.

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