This report outlines how the EMEA insurance industry is undergoing a fundamental shift driven by AI, regulation and changing customer expectations. It describes the transition from reactive claims-based models to predictive, prevention-oriented risk ecosystems powered by AI, IoT and advanced data. Key trends include parametric climate insurance, embedded distribution, health and wellness integration and quantum-enhanced catastrophe modeling. The document stresses that legacy modernization and platform thinking are prerequisites for compliance and growth. It concludes that insurers who align AI, trust and regulation into a unified operating model will become indispensable risk intelligence partners by 2026.

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