The Capgemini World Property and Casualty Insurance Report 2025 highlights that the rapid aging of the global population will fundamentally transform the P&C insurance industry by 2050. The global dependency ratio is expected to rise from 16 seniors per 100 working-age adults in 2024 to 26 by 2050, significantly impacting consumer behavior, risk profiles, and insurance demand. Older adults will prioritize spending on experiences over possessions, influencing shifts in product offerings toward flexible, lifestyle-driven coverage.

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