Strong demand for wealth, retirement and legacy products, paired with changing capital regimes are pushing Asian life insurers toward equities and alternative assets as industry investments surge.
Insurers across China, Taiwan and South Korea are bolstering capital buffers and refining investment strategies as low rates and volatility strain traditional earnings models.
A prolonged low-rate environment is forcing Chinese insurers to rethink product design, with participating policies emerging as a core strategic and credit-supportive pillar.
With alternative investment yields fading and bond returns under pressure, insurers are reshaping portfolios and leaning on capital markets, increasing vulnerability to earnings shocks.
While bancassurance new business profit powered Prudential's FY2025 growth, the group has flagged transforming the agency channel as its "number one priority".
