Disaggregation of the Traditional Insurance Value Chain: Life Edition

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12 February 2019

Key research questions

  • What are the factors facilitating life insurers’ value generation?
  • Which elements of the traditional value chain are the most impacted?
  • What do insurers need to consider when delegating ownership of their value chain elements?


Life insurers have long segmented their systems to meet various business requirements such as supporting specific clients (group or individuals), lines of business (term life, pension, employee benefits, health, etc.), or distribution channels (agents, brokers, banks, etc.). Nowadays insurtech and technology startups challenge the traditional insurance value chain and how technology supports insurance capabilities.