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Insurance

The future of insurance is here. Bringing together some of leading minds, we can provide a breadth of market insights and proactive services. We serve many insurance segments, with our experience spanning property and casualty, group insurance, life and annuities, retirement, brokers, and more. We can serve you through each challenge.

Insurance

The future of insurance is here. Bringing together some of leading minds, we can provide a breadth of market insights and proactive services. We serve many insurance segments, with our experience spanning property and casualty, group insurance, life and annuities, retirement, brokers, and more. We can serve you through each challenge.

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Embracing the future of insurance

As a professional in the insurance industry, you help people protect the things that matter to them. Their families. Their homes. Their businesses. And now, that landscape is increasingly complex—undergoing a new wave of transformation that calls for new, scalable solutions to keep up. 

You need specialists that know the industry, the regulations, and how to connect to the ecosystem. Serving insurance companies and brokers worldwide, we use a segment-led approach. 

Tapping into our nuanced understanding of the insurance industry, we can advise you as you get to the heart of your business challenges. Whether you are in property and casualty, life an annuities, retirement, or group insurance, we can advise on opportunity for growth, so you can better protect your customers.

Who we serve

Property and casualty >

Property and casualty insurance helps families, communities, and businesses recover and rebuild after natural and human-made losses, while aiming to keep them safer and more resilient.

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Life and annuities >

Deloitte’s Life Insurance and Annuity Operations group advises our clients on how they can provide their customers with protection for the unexpected—life insurance to protect from unexpected death, and annuities as protection for financial longevity.

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Retirement >

Shifting dynamics—including heightened awareness of long-term financial insecurity, growing availability of digital solutions, a focus on emergency savings, shifts in workforce dynamics, and greater impetus within the industry to boost financial inclusion—indicate that financial services institutions (FSIs) could make significant inroads right now in helping consumers enhance their financial wellness across demographic groups to save more and plan better for retirement.

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Group insurance >

Group insurance presents a significant growth opportunity in the North American market. Deloitte can advise group insurers in uncovering new areas of sustainable growth to differentiate their business to brokers, employers, and their employees.

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Stories of purpose and lasting impact

A curated collection of narratives that bring to life the many ways Deloitte’s Insurance practice has helped industry clients unstick complex problems, create meaningful progress and solutions, and deliver value in the midst of adversity.

How our capabilities can help

Built on a legacy of trust and an unwavering commitment to our clients, Deloitte offers leading-edge technology and multidisciplinary capabilities that can help your business achieve goals, overcome challenges, and drive change within the industry.

Engineering and cyber >

Driving growth and differentiation while managing risk

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Data, analytics, and artificial intelligence (AI) >

Empowering businesses with real-time insights

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Finance transformation >

Keeping up with CFOs’ evolving priorities

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Operate >

Advising organizations as they move from traditional outsourcing models to ones focused on business outcomes

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Mergers and acquisitions >

Guiding organizations throughout the M&A life cycle

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Risk, capital, and regulatory >

Understanding risk, capital, and the regulatory agenda

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Sustainability, climate, and equity >

Accelerating your transition to a sustainable future

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Our thinking

AI-driven transformation in commercial insurance

Learn how GenAI-based multi-agent systems tackle key challenges in the commercial insurance industry, fostering AI-driven transformation.
Perspective

Fee-based risk management services can boost insurer revenues in an era of ‘predict and prevent’

The days of assessing risk through the rearview mirror are fading fast. Here’s how insurers could drive business growth and help safeguard customers before losses occur.

Property and casualty carriers can win the fight against insurance fraud

By deploying AI-powered multimodal technologies to sniff out fraudulent behaviors across the claim life cycle, insurers can help vanquish a multibillion-dollar drain on consumers

Are insurers truly ready to scale gen AI?

Our survey findings uncover gaps in preparedness, but a strategic focus on resources, responsibility, and returns could help insurers up their POC to production game

2025 Insurance Regulatory Outlook

Prepare for 2025 with our in-depth insurance regulatory outlook, and understand the key challenges and opportunities facing insurers.
Perspective

Unraveling insurance financials amid accounting change

Communicating value, quantifying successes, and managing performance priorities can be challenging. Key performance indicators (KPIs) in insurance provide targets for leaders, but selecting the right insurance performance metrics is essential for meeting an organization’s strategic objectives.
Perspective

Transforming customer experience in insurance with Generative AI

Explore how Generative AI can help define new standards, deliver at scale, and transform customer service in the insurance industry.
Perspective

2025 global insurance outlook: Evolving industry operating models to build the future of insurance

Focusing on agility, innovation, and customers to help navigate complexities and meet new demands

Gen AI Innovation in the Insurance Industry

Learn how CEOs can optimize the economic potential of generative AI and how it is driving digital disruption in the insurance industry.
Perspective

Bridging insurance gaps to prepare homeowners for emerging climate change risks

Deloitte’s survey of homeowners in US states with high climate change risk reveals skyrocketing costs and widening gaps in insurance coverage.

Scaling Artificial Intelligence

What does scaling AI look like for insurance firms? And how can a generative AI framework help solve problems and create new opportunities? Read more in a new report.
Perspective

IndustryAdvantage™

Driving industry transformation forward

With IndustryAdvantage, we give you access to the full breadth of thinking, experience, and technology from across Deloitte and our ecosystems. We apply these capabilities in the most efficient, targeted way possible to help you implement what your insurance business needs to transform your commercial, product, and operation capabilities—and gain a competitive edge.

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How we can help

Cyber & Strategic Risk services

Deloitte's Cyber & Strategic Risk services offer a unified approach to help you tackle obstacles and build new capabilities fast.
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Artificial Intelligence and Analytics

Deloitte's broad and deep mix of capabilities in AI and analytics consulting matches clients with an ideal AI solution to achieve the promise of AI.
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Value-based data risk management

Do you have control over your data or is your data controlling you? With bits and bytes being generated at exponentially increasing rates, your organization may be overwhelmed when it comes to protecting your data.
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AI and Data Operations Management Services

Deloitte’s AI & Data offering delivers people and solutions to cultivate your data as a strategic asset, integrate and scale your AI, and sustain your digital ecosystem - so you can keep innovating and growing.
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Deloitte + Informatica | MDM Elevate

In today’s digital world, businesses are challenged with rapidly evolving customer and competitor landscapes. The customer experience is centered around delivering personalized and targeted interactions in real time.
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Insurance data as a strategic asset

Enhanced insurance data management can drive innovation, differentiation, and growth
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Finance Transformation Consulting

Finance transformation consulting helps solve critical issues in the finance function, including strategy, talent, and technology challenges.
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Controllership, Accounting, and Reporting Services

Insightful controllership, accounting, and reporting help companies to build teams where priorities aren’t in conflict.
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Organization Transformation

As work, workforces, and workplaces evolve, Deloitte’s Organization Transformation services help you move from where you are today to where you need to be tomorrow. 
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Modernizing the insurance actuarial operating model

Rapid change across the insurance industry landscape is driving all sectors to look again at their actuarial organizations and the strategic business value they can provide.
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Integrating finance and actuaries for FP&A in L&A

Our recent survey of life and annuity (L&A) insurance companies found that many insurers struggle to integrate their financial planning and analysis (FP&A) with actuarial processes.
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Get in touch

Joe DeSantis

Joe DeSantis

Vice Chair and US Insurance Sector Leader, Deloitte
+1 860 725 3113