Wavestone’s 2024 Hybrid Sales Index© reveals insurers in Germany, Austria, and Switzerland are advancing digital sales strategies to meet rising customer expectations for personalization, transparency, and seamless omnichannel experiences. Leaders like Allianz and AXA integrate digital tools like chatbots and video consultations. AI and data-driven lead management are key to future success, but adoption varies by region. Switzerland leads in maturity; Austria is early-stage. A blend of quick wins and long-term transformation—via cultural shifts, tech investments, and hybrid customer engagement—will define competitive advantage in the evolving insurance landscape.

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