The January 2023 Aite-Novarica Group report outlines 10 trends shaping the life, annuities, and benefits market, influenced by post-pandemic shifts, workforce changes, and evolving distribution strategies. Core modernization is maturing, with greenfield approaches boosting speed to market. Carriers face talent shortages, growing demand for digital experiences, and the need to balance efficiency with innovation. Big data, AI, and automation are enhancing underwriting and claims, while demographic shifts drive product adaptation. Shorter tech lifecycles, improved agent and customer experiences, and a maturing Cloud 2.0 landscape are redefining strategic priorities.

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