{"id":25727,"date":"2026-01-15T09:57:52","date_gmt":"2026-01-15T06:57:52","guid":{"rendered":"https:\/\/insly.com\/en\/?p=25727"},"modified":"2026-10-21T12:06:28","modified_gmt":"2026-10-21T09:06:28","slug":"insurance-in-2026-the-technologies-trends-and-challenges-to-watch","status":"publish","type":"post","link":"https:\/\/insly.com\/en\/blog\/insurance-in-2026-the-technologies-trends-and-challenges-to-watch\/","title":{"rendered":"Insurance in 2026: The technologies, trends, and challenges to watch"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"25727\" class=\"elementor elementor-25727\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3337e11c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3337e11c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64a449cd\" data-id=\"64a449cd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9548029 elementor-widget elementor-widget-html\" data-id=\"9548029\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Insly Insurance Trends Report 2026 \u2014 WordPress\/Elementor HTML content only. CSS and optional JS are separate. -->\n<div class=\"insly-trends-2026\" id=\"tr-top\">\n\n<svg width=\"0\" height=\"0\" style=\"position:absolute\" aria-hidden=\"true\" focusable=\"false\">\n  <defs>\n    <pattern id=\"trHTk\" width=\"11\" height=\"11\" patternUnits=\"userSpaceOnUse\"><circle cx=\"3\" cy=\"3\" r=\"1.5\" fill=\"#1d1d1d\"\/><\/pattern>\n    <pattern id=\"trHTo\" width=\"10\" height=\"10\" patternUnits=\"userSpaceOnUse\"><circle cx=\"3\" cy=\"3\" r=\"1.4\" fill=\"#ff7d00\"\/><\/pattern>\n    <pattern id=\"trHTw\" width=\"11\" height=\"11\" patternUnits=\"userSpaceOnUse\"><circle cx=\"3\" cy=\"3\" r=\"1.5\" fill=\"#ffffff\"\/><\/pattern>\n  <\/defs>\n<\/svg>\n\n<!-- ================= STICKY NAV ================= -->\n<nav class=\"it-nav\" aria-label=\"Report progress\">\n  <div class=\"it-nav-inner\">\n    <a class=\"it-nav-logo\" href=\"https:\/\/insly.com\/\" aria-label=\"Insly\">\n      <img decoding=\"async\" src=\"https:\/\/insly.com\/wp-content\/uploads\/2025\/06\/Logo-with-text-3.png\" alt=\"Insly\" height=\"26\">\n    <\/a>\n    <div class=\"it-nav-dots\" role=\"tablist\" aria-label=\"Jump to trend\">\n      <a href=\"#tr-t1\" data-goto=\"tr-t1\">01<\/a><a href=\"#tr-t2\" data-goto=\"tr-t2\">02<\/a><a href=\"#tr-t3\" data-goto=\"tr-t3\">03<\/a><a href=\"#tr-t4\" data-goto=\"tr-t4\">04<\/a><a href=\"#tr-t5\" data-goto=\"tr-t5\">05<\/a><a href=\"#tr-t6\" data-goto=\"tr-t6\">06<\/a><a href=\"#tr-t7\" data-goto=\"tr-t7\">07<\/a><a href=\"#tr-t8\" data-goto=\"tr-t8\">08<\/a>\n    <\/div>\n    <div class=\"it-nav-counter\" id=\"it-counter\" aria-live=\"polite\">TRENDS <strong>2026<\/strong><\/div>\n  <\/div>\n  <div class=\"it-progress\" aria-hidden=\"true\"><span id=\"it-progressbar\"><\/span><\/div>\n<\/nav>\n\n<!-- ================= HERO ================= -->\n<header class=\"it-hero\" id=\"tr-hero\">\n  <div class=\"it-hero-art\" aria-hidden=\"true\">\n    <svg viewBox=\"0 0 1600 560\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n      <!-- radiating-arrow motifs, echoing the report cover (kept clear of the copy) -->\n      <g transform=\"translate(1310,400)\" stroke=\"#ffffff\" stroke-width=\"7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" opacity=\".85\">\n        <circle r=\"92\" fill=\"url(#trHTw)\" opacity=\".25\" stroke=\"none\"\/>\n        <circle r=\"92\" stroke-width=\"5\"\/>\n        <g>\n          <path class=\"tr-ray\" d=\"M0 -112 L0 -192\"\/><path d=\"M0 -192 l-17 21 M0 -192 l17 21\"\/>\n          <path class=\"tr-ray\" d=\"M79 -79 L136 -136\"\/><path d=\"M136 -136 l-26 3 M136 -136 l-3 26\"\/>\n          <path class=\"tr-ray\" d=\"M112 0 L192 0\"\/><path d=\"M192 0 l-21 -17 M192 0 l-21 17\"\/>\n          <path class=\"tr-ray\" d=\"M79 79 L136 136\"\/><path d=\"M136 136 l-3 -26 M136 136 l-26 -3\"\/>\n          <path class=\"tr-ray\" d=\"M0 112 L0 180\"\/><path d=\"M0 180 l-17 -21 M0 180 l17 -21\"\/>\n          <path class=\"tr-ray\" d=\"M-79 79 L-136 136\"\/><path d=\"M-136 136 l3 -26 M-136 136 l26 -3\"\/>\n          <path class=\"tr-ray\" d=\"M-112 0 L-192 0\"\/><path d=\"M-192 0 l21 -17 M-192 0 l21 17\"\/>\n          <path class=\"tr-ray\" d=\"M-79 -79 L-136 -136\"\/><path d=\"M-136 -136 l26 3 M-136 -136 l3 26\"\/>\n        <\/g>\n        <text y=\"16\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"46\" font-weight=\"900\" fill=\"#ffffff\">26<\/text>\n      <\/g>\n      <g transform=\"translate(240,470) scale(.58)\" stroke=\"#ffffff\" stroke-width=\"7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" opacity=\".6\">\n        <circle r=\"92\" fill=\"url(#trHTw)\" opacity=\".25\" stroke=\"none\"\/>\n        <circle r=\"92\" stroke-width=\"5\"\/>\n        <g>\n          <path class=\"tr-ray\" d=\"M0 -112 L0 -192\"\/><path d=\"M0 -192 l-17 21 M0 -192 l17 21\"\/>\n          <path class=\"tr-ray\" d=\"M112 0 L192 0\"\/><path d=\"M192 0 l-21 -17 M192 0 l-21 17\"\/>\n          <path class=\"tr-ray\" d=\"M-112 0 L-192 0\"\/><path d=\"M-192 0 l21 -17 M-192 0 l21 17\"\/>\n          <path class=\"tr-ray\" d=\"M79 -79 L136 -136\"\/><path d=\"M136 -136 l-26 3 M136 -136 l-3 26\"\/>\n          <path class=\"tr-ray\" d=\"M-79 -79 L-136 -136\"\/><path d=\"M-136 -136 l26 3 M-136 -136 l3 26\"\/>\n        <\/g>\n      <\/g>\n      <!-- halftone corners -->\n      <rect x=\"-30\" y=\"-20\" width=\"300\" height=\"200\" fill=\"url(#trHTw)\" opacity=\".3\" transform=\"rotate(-6 120 80)\"\/>\n      <rect x=\"1360\" y=\"380\" width=\"280\" height=\"200\" fill=\"url(#trHTw)\" opacity=\".3\" transform=\"rotate(5 1500 480)\"\/>\n    <\/svg>\n  <\/div>\n  <div class=\"it-hero-copy\">\n    <span class=\"it-kicker\">E-book &middot; Insly<\/span>\n    <h1>Insurance Trends Report <em>2026<\/em><\/h1>\n    <p class=\"it-hero-sub\">Eight trends Insly experts and industry commentators believe will dominate 2026.<\/p>\n    <a class=\"it-btn\" href=\"#tr-t1\">Explore the 8 trends<\/a>\n  <\/div>\n  <a class=\"it-scrollcue\" href=\"#tr-intro\" aria-label=\"Scroll to introduction\">\n    Scroll\n    <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v15m0 0-6-6m6 6 6-6\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\n  <\/a>\n<\/header>\n\n<!-- Sticky contents rail (wide screens) -->\n<nav class=\"tr-toc\" id=\"tr-toc\" aria-label=\"Contents\">\n  <span class=\"tr-toc-label\">Contents<\/span>\n  <a href=\"#tr-intro\" data-sec=\"tr-intro\">Introduction<\/a>\n  <a href=\"#tr-t1\" data-sec=\"tr-t1\">1 &middot; AI in core operations<\/a>\n  <a href=\"#tr-t2\" data-sec=\"tr-t2\">2 &middot; In-house AI<\/a>\n  <a href=\"#tr-t3\" data-sec=\"tr-t3\">3 &middot; Targeted efficiency<\/a>\n  <a href=\"#tr-t4\" data-sec=\"tr-t4\">4 &middot; Capacity relationships<\/a>\n  <a href=\"#tr-t5\" data-sec=\"tr-t5\">5 &middot; Speed over price<\/a>\n  <a href=\"#tr-t6\" data-sec=\"tr-t6\">6 &middot; Predictive analytics<\/a>\n  <a href=\"#tr-t7\" data-sec=\"tr-t7\">7 &middot; Embedded channels<\/a>\n  <a href=\"#tr-t8\" data-sec=\"tr-t8\">8 &middot; MGA strategy<\/a>\n  <a href=\"#tr-close\" data-sec=\"tr-close\">Growth without risk<\/a>\n<\/nav>\n\n<!-- ================= INTRO ================= -->\n<section class=\"it-section it-section--mintsoft\" id=\"tr-intro\" aria-label=\"Introduction\">\n  <div class=\"it-wrap\">\n    <div class=\"it-narrow it-reveal\" style=\"max-width:820px;\">\n      <span class=\"it-kicker\">Introduction<\/span>\n      <p class=\"it-dropcap it-lede\">As experts in risk management, insurance companies know the importance of preparing for every eventuality. As we enter the second half of the decade, that expertise has never been more important.<\/p>\n      <p>Following moderate growth in 2025, reports suggest that change is on the horizon for the insurance sector. In its annual Sigma report, Swiss Re recently warned of \"shifting sands\", with <a href=\"https:\/\/www.insurancetimes.co.uk\/news\/global-non-life-premium-growth-forecast-to-slow-to-17-in-2026\/1457005.article\" target=\"_blank\" rel=\"noopener\">slower growth predicted for the coming 12 months<\/a>, as the economic slowdown bites.<\/p>\n      <p>Opportunities are still out there, but a near-saturated market for many, plus tough competition, mean a steady stream of new business is no longer guaranteed. Management teams and business owners must think outside the box by catering to emerging risks, utilising innovative technologies and forging new partnerships to reach untapped markets and expand revenue streams.<\/p>\n      <p>With that in mind, here are eight trends Insly experts and industry commentators believe will dominate 2026.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ================= TREND 01 ================= -->\n<section class=\"it-section\" id=\"tr-t1\" data-trend=\"1\" aria-labelledby=\"tr-t1-h\">\n  <div class=\"it-wrap\">\n    <div class=\"it-trend-head it-reveal\">\n      <span class=\"it-num\" aria-hidden=\"true\">01<\/span>\n      <div>\n        <h2 id=\"tr-t1-h\">AI moves from distinct problems to core operations<\/h2>\n      <\/div>\n    <\/div>\n    <div class=\"it-cols\">\n      <div class=\"it-reveal\">\n        <p>In 2026, AI will shift from taking on focused use cases to <a href=\"https:\/\/ai.insly.com\/\">handling entire workflows<\/a>. While brokers and MGAs have seen some efficiency gains by implementing AI to solve distinct problems, they will start to see a real jump in productivity, as AI increasingly also manages the links between these tasks.<\/p>\n        <div class=\"tr-statrow\">\n          <div class=\"it-bigstat\">\n            <strong>40&ndash;60%<\/strong>\n            <p>of daily tasks done by AI agents in the first operational teams in 2026.<\/p>\n          <\/div>\n          <div class=\"it-bigstat\">\n            <strong>&lt;3<\/strong>\n            <p>employees in the first MGAs launching with meaningful volumes, thanks to AI.<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n      <figure class=\"it-visual it-anim\" role=\"img\" aria-label=\"An AI hub running five insurance tasks as one workflow\">\n        <svg class=\"it-chain\" viewBox=\"0 0 380 430\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n          <g>\n            <circle cx=\"80\" cy=\"64\" r=\"42\" fill=\"url(#trHTo)\" opacity=\".25\"\/>\n            <circle cx=\"80\" cy=\"64\" r=\"42\" stroke=\"#ff7d00\" stroke-width=\"4\"\/>\n            <text x=\"80\" y=\"74\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"25\" font-weight=\"900\" fill=\"#1d1d1d\">AI<\/text>\n          <\/g>\n          <g>\n            <path d=\"M80 110 v24 h36\" stroke=\"#ff7d00\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-dasharray=\"1 9\"\/>\n            <rect x=\"124\" y=\"112\" width=\"234\" height=\"44\" rx=\"10\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"2.5\"\/>\n            <text x=\"241\" y=\"140\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#1d1d1d\">SUBMISSIONS CLASSIFICATION<\/text>\n          <\/g>\n          <g>\n            <path d=\"M80 110 v84 h36\" stroke=\"#ff7d00\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-dasharray=\"1 9\"\/>\n            <rect x=\"124\" y=\"172\" width=\"234\" height=\"44\" rx=\"10\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"2.5\"\/>\n            <text x=\"241\" y=\"200\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#1d1d1d\">QUOTE PREPARATION<\/text>\n          <\/g>\n          <g>\n            <path d=\"M80 110 v144 h36\" stroke=\"#ff7d00\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-dasharray=\"1 9\"\/>\n            <rect x=\"124\" y=\"232\" width=\"234\" height=\"44\" rx=\"10\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"2.5\"\/>\n            <text x=\"241\" y=\"260\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#1d1d1d\">ENDORSEMENTS<\/text>\n          <\/g>\n          <g>\n            <path d=\"M80 110 v204 h36\" stroke=\"#ff7d00\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-dasharray=\"1 9\"\/>\n            <rect x=\"124\" y=\"292\" width=\"234\" height=\"44\" rx=\"10\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"2.5\"\/>\n            <text x=\"241\" y=\"320\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#1d1d1d\">BORDEREAUX<\/text>\n          <\/g>\n          <g>\n            <path d=\"M80 110 v264 h36\" stroke=\"#ff7d00\" stroke-width=\"3.5\" stroke-linecap=\"round\" stroke-dasharray=\"1 9\"\/>\n            <rect x=\"124\" y=\"352\" width=\"234\" height=\"44\" rx=\"10\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"2.5\"\/>\n            <text x=\"241\" y=\"380\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#1d1d1d\">CLAIMS FNOL<\/text>\n          <\/g>\n          <text x=\"190\" y=\"422\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#9b9b9b\" letter-spacing=\"2\">AI RUNS THE LINKS BETWEEN TASKS<\/text>\n        <\/svg>\n      <\/figure>\n    <\/div>\n    <figure class=\"it-quote it-reveal\">\n      <blockquote><p>In 2026, we will see the first operational teams where 40 to 60% of daily tasks are done by AI agents, not humans. I'm not referring to chatbots, but full workflow automation, including submissions classification, quote preparation, endorsements, bordereaux and claims FNOL. This is the biggest productivity shift in insurance in 30 years. We will also see the first MGAs launch with fewer than three employees and processing meaningful volumes of business thanks to AI.<\/p><\/blockquote>\n      <figcaption>\n        <img decoding=\"async\" class=\"it-quote-avatar\" src=\"https:\/\/insly.com\/wp-content\/uploads\/2021\/05\/risto-rossar-2.jpg\" alt=\"Risto Rossar\" width=\"58\" height=\"58\">\n        <span class=\"it-quote-who\"><strong>Risto Rossar<\/strong><small>Founder and CEO, <a href=\"https:\/\/insly.com\/\" style=\"color:#ffe2cd;\">Insly<\/a><\/small><\/span>\n      <\/figcaption>\n    <\/figure>\n    <div class=\"it-narrow it-reveal\" style=\"max-width:820px;\">\n      <p>Venkata Naveen Reddy Seelam, Industry Leader in Insurance and AI Technologies, <a href=\"https:\/\/www.pwc.com\/\" target=\"_blank\" rel=\"noopener\">PwC<\/a>, agrees.<\/p>\n      <figure class=\"it-voice\">\n        <blockquote><p>AI agents will move from experimentation to regulated workflows supporting underwriters, claim adjusters, billing analysts and brokers with clear decision-making, automated document processing and spotting unusual patterns.<\/p><\/blockquote>\n        <figcaption>Venkata Naveen Reddy Seelam <span>&middot; Industry Leader in Insurance and AI Technologies, PwC<\/span><\/figcaption>\n      <\/figure>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ================= TREND 02 ================= -->\n<section class=\"it-section it-section--mint\" id=\"tr-t2\" data-trend=\"2\" aria-labelledby=\"tr-t2-h\">\n  <div class=\"it-wrap\">\n    <div class=\"it-trend-head it-reveal\">\n      <span class=\"it-num\" aria-hidden=\"true\">02<\/span>\n      <div>\n        <h2 id=\"tr-t2-h\">From outsourcing AI to building in-house<\/h2>\n      <\/div>\n    <\/div>\n    <div class=\"it-cols it-cols--flip\">\n      <figure class=\"it-visual it-anim\" role=\"img\" aria-label=\"An AI capability being built in-house on a foundation of company data\">\n        <svg viewBox=\"0 0 380 330\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n          <ellipse cx=\"190\" cy=\"296\" rx=\"160\" ry=\"10\" fill=\"url(#trHTk)\" opacity=\".25\"\/>\n          <g class=\"it-cascade\">\n            <rect x=\"70\" y=\"236\" width=\"240\" height=\"52\" rx=\"9\" fill=\"#1d1d1d\"\/>\n            <rect x=\"100\" y=\"172\" width=\"180\" height=\"52\" rx=\"9\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"3\"\/>\n            <rect x=\"134\" y=\"110\" width=\"112\" height=\"50\" rx=\"9\" fill=\"url(#trHTo)\" opacity=\".95\" stroke=\"#1d1d1d\" stroke-width=\"3\"\/>\n          <\/g>\n          <text x=\"190\" y=\"267\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"14\" font-weight=\"800\" fill=\"#fff\">YOUR DATA<\/text>\n          <text x=\"190\" y=\"203\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"14\" font-weight=\"800\" fill=\"#1d1d1d\">PLATFORM<\/text>\n          <text x=\"190\" y=\"141\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"15\" font-weight=\"900\" fill=\"#1d1d1d\">AI<\/text>\n          <!-- crane hook -->\n          <path d=\"M190 24v56\" stroke=\"#1d1d1d\" stroke-width=\"3\" stroke-dasharray=\"2 8\" stroke-linecap=\"round\"\/>\n          <path d=\"M178 92c0 8 24 8 24 0\" stroke=\"#1d1d1d\" stroke-width=\"3\" stroke-linecap=\"round\"\/>\n          <path d=\"M60 24h260\" stroke=\"#1d1d1d\" stroke-width=\"3\" stroke-linecap=\"round\"\/>\n          <text x=\"190\" y=\"320\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#9b9b9b\" letter-spacing=\"2\">BUILT ON YOUR OWN DATA<\/text>\n        <\/svg>\n      <\/figure>\n      <div class=\"it-reveal\">\n        <p>Insurance companies are also catching on to the fact that, in many cases, real AI efficiency gains aren't found from buying in technology but building solutions in-house. After all, they own the data, which provides the foundations for any successful AI solution. And, with the breadth and depth of foundational AI platforms now available, adapting and training these for individual company needs is becoming more straightforward.<\/p>\n        <p><a href=\"https:\/\/www.altasigna.com\/\" target=\"_blank\" rel=\"noopener\">Alta Signa<\/a>, the MGA dedicated to the Continental European Specialty Insurance market, is doing just that, with plans to build an AI assistant on its platform to manage rating analysis.<\/p>\n      <\/div>\n    <\/div>\n    <figure class=\"it-quote it-reveal\">\n      <blockquote><p>Risk analysis is one of the most time-consuming tasks for underwriters, so if we can build a tool to do this for them, it will free a lot of time for added value tasks. We are at a very preliminary stage and it's going to be a long project, involving identifying where we want to integrate AI, then training the model, which requires a lot of data and preparation. But the end goal is to create more efficiency and automation that will drive growth for the business.<\/p><\/blockquote>\n      <figcaption>\n        <img decoding=\"async\" class=\"it-quote-avatar\" src=\"https:\/\/insly.com\/wp-content\/uploads\/2026\/09\/alex-cuadros.jpg\" alt=\"Alex Cuadros\" width=\"58\" height=\"58\">\n        <span class=\"it-quote-who\"><strong>Alex Cuadros<\/strong><small>IT &amp; Operations Manager, Alta Signa<\/small><\/span>\n      <\/figcaption>\n    <\/figure>\n  <\/div>\n<\/section>\n\n<!-- ================= TREND 03 ================= -->\n<section class=\"it-section\" id=\"tr-t3\" data-trend=\"3\" aria-labelledby=\"tr-t3-h\">\n  <div class=\"it-wrap\">\n    <div class=\"it-trend-head it-reveal\">\n      <span class=\"it-num\" aria-hidden=\"true\">03<\/span>\n      <div>\n        <h2 id=\"tr-t3-h\">The next wave of Insurtech: Targeted efficiency gains<\/h2>\n      <\/div>\n    <\/div>\n    <div class=\"it-cols\">\n      <div class=\"it-reveal\">\n        <p>The first wave of Insurtech, focused on disintermediating agents and brokers and speeding up the quote process, has now run its course. However, there are still significant efficiency savings to be found in the insurance lifecycle through better defining processes and eliminating waste. Areas such as underwriting and finance and accounting are particularly ripe for increased transformation in the coming year.<\/p>\n        <figure class=\"it-voice\">\n          <blockquote><p>There is a big opportunity to use insurance tools or AI to grab and summarise data from multiple sources, eliminating the need for underwriters to click around and Google search. That's an area that will advance in the coming year.<\/p><\/blockquote>\n          <figcaption>Brianna Chia <span>&middot; Insurance Operations Executive, <a href=\"https:\/\/insly.com\/en\/blog\/helping-district-cover-transform-us-property-insurance\/\">District Cover<\/a><\/span><\/figcaption>\n        <\/figure>\n        <p>Cuadros at Alta Signa says this doesn't mean that human underwriters will disappear.<\/p>\n        <figure class=\"it-voice\">\n          <blockquote><p>We have automated some steps within the underwriter process and, as in medicine, we are using AI for better diagnosis. But that doesn't mean that doctors are going to disappear. But if we can use automation to free up time to focus on other things and make underwriting processes faster, that's the path that we need to explore.<\/p><\/blockquote>\n          <figcaption>Alex Cuadros <span>&middot; IT &amp; Operations Manager, Alta Signa<\/span><\/figcaption>\n        <\/figure>\n      <\/div>\n      <figure class=\"it-visual it-anim\" role=\"img\" aria-label=\"A process bar with wasted steps trimmed away and a target at the end\">\n        <svg viewBox=\"0 0 380 330\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n          <g class=\"it-cascade\">\n            <rect x=\"24\" y=\"120\" width=\"86\" height=\"56\" rx=\"9\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"2.5\"\/>\n            <rect x=\"120\" y=\"120\" width=\"86\" height=\"56\" rx=\"9\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"2.5\"\/>\n            <rect x=\"216\" y=\"120\" width=\"60\" height=\"56\" rx=\"9\" fill=\"#f4f4f4\" stroke=\"#b4b4b4\" stroke-width=\"2.5\" stroke-dasharray=\"6 6\"\/>\n            <rect x=\"286\" y=\"120\" width=\"70\" height=\"56\" rx=\"9\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"2.5\"\/>\n          <\/g>\n          <text x=\"67\" y=\"152\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">UNDER-<\/text>\n          <text x=\"67\" y=\"165\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">WRITING<\/text>\n          <text x=\"163\" y=\"152\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">FINANCE &amp;<\/text>\n          <text x=\"163\" y=\"165\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">ACCOUNTS<\/text>\n          <text x=\"246\" y=\"152\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#9b9b9b\">WASTE<\/text>\n          <path d=\"M230 134l32 28M262 134l-32 28\" stroke=\"#ff7d00\" stroke-width=\"3.5\" stroke-linecap=\"round\"\/>\n          <text x=\"321\" y=\"152\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">LEGACY<\/text>\n          <text x=\"321\" y=\"165\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">SYSTEMS<\/text>\n          <!-- target -->\n          <circle cx=\"190\" cy=\"248\" r=\"34\" stroke=\"#1d1d1d\" stroke-width=\"3\"\/>\n          <circle cx=\"190\" cy=\"248\" r=\"20\" stroke=\"#1d1d1d\" stroke-width=\"3\"\/>\n          <circle cx=\"190\" cy=\"248\" r=\"7\" fill=\"#ff7d00\"\/>\n          <path d=\"M254 196 L200 240\" stroke=\"#ff7d00\" stroke-width=\"4\" stroke-linecap=\"round\"\/>\n          <path d=\"M200 240l20-4M200 240l4 20\" stroke=\"#ff7d00\" stroke-width=\"4\" stroke-linecap=\"round\"\/>\n          <text x=\"190\" y=\"318\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#9b9b9b\" letter-spacing=\"2\">DEFINE PROCESSES, ELIMINATE WASTE<\/text>\n        <\/svg>\n      <\/figure>\n    <\/div>\n    <div class=\"it-narrow it-reveal\" style=\"max-width:820px;\">\n      <p>It is a similar story at District Cover where AI is used to improve internal workflows, but the company's underwriting strategy remains intentionally human-led. Many risks are reviewed by trained underwriters who understand both the nuances of city-based businesses and the broader mission behind the program. District Cover underwriters are good listeners and with the appropriate tooling and mindset, this approach can scale and allow the company to say yes where others have said no. This dual structure, AI-supported workflows with human-anchored decision-making, has produced strong underwriting results.<\/p>\n      <p>And for many companies, the biggest efficiency gains will still come from updating <a href=\"https:\/\/insly.com\/en\/blog\/the-mga-technology-stack-in-2026-what-you-need\/\">legacy systems<\/a>, which will remain the focus for many MGAs and insurers in 2026.<\/p>\n      <figure class=\"it-voice\">\n        <blockquote><p>My biggest mission next year is to move MGAs and insurers away from legacy systems. Companies are afraid to move, but as soon as they do, it's a breath of fresh air, because it opens up more opportunities. We can add more products and do things more quickly and cost-effectively. Yes, it requires some investment at the outset, but it ultimately helps business growth.<\/p><\/blockquote>\n        <figcaption>Jody Brooks <span>&middot; Managing Director, <a href=\"https:\/\/www.socrates.systems\/\" target=\"_blank\" rel=\"noopener\">Socrates Systems<\/a>, the UK-based boutique insurance technology company<\/span><\/figcaption>\n      <\/figure>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ================= TREND 04 ================= -->\n<section class=\"it-section it-section--mintsoft\" id=\"tr-t4\" data-trend=\"4\" aria-labelledby=\"tr-t4-h\">\n  <div class=\"it-wrap\">\n    <div class=\"it-trend-head it-reveal\">\n      <span class=\"it-num\" aria-hidden=\"true\">04<\/span>\n      <div>\n        <h2 id=\"tr-t4-h\">Soft market drives shifting capacity relationships<\/h2>\n      <\/div>\n    <\/div>\n    <div class=\"it-cols it-cols--flip\">\n      <figure class=\"it-visual it-anim\" role=\"img\" aria-label=\"A market gauge swinging from hard to soft\">\n        <svg viewBox=\"0 0 380 300\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n          <path d=\"M70 208 A120 120 0 0 1 310 208\" stroke=\"#dcdcdc\" stroke-width=\"16\" stroke-linecap=\"round\"\/>\n          <path d=\"M70 208 A120 120 0 0 1 150 96\" stroke=\"#ff7d00\" stroke-width=\"16\" stroke-linecap=\"round\"\/>\n          <line class=\"tr-needle\" x1=\"190\" y1=\"208\" x2=\"190\" y2=\"110\" stroke=\"#1d1d1d\" stroke-width=\"6\" stroke-linecap=\"round\"\/>\n          <circle cx=\"190\" cy=\"208\" r=\"13\" fill=\"#1d1d1d\"\/>\n          <text x=\"58\" y=\"246\" font-family=\"Nunito, Arial\" font-size=\"13\" font-weight=\"900\" fill=\"#da7400\">SOFT<\/text>\n          <text x=\"286\" y=\"246\" font-family=\"Nunito, Arial\" font-size=\"13\" font-weight=\"900\" fill=\"#9b9b9b\">HARD<\/text>\n          <text x=\"190\" y=\"284\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#9b9b9b\" letter-spacing=\"2\">EXCESS CAPACITY, PRESSURE ON MARGINS<\/text>\n        <\/svg>\n      <\/figure>\n      <div class=\"it-reveal\">\n        <p>A softer market for many means greater ease in securing capacity, but also greater pressure on margins. This brings both opportunities and challenges for MGAs.<\/p>\n        <figure class=\"it-voice\">\n          <blockquote><p>The word from the market is that there is currently an excess of capacity, which is making premiums more competitive. Under these conditions, investment in technology and innovation is even more important to give us a competitive advantage, by driving marginal costs down, reaching new market segments and achieving scalability.<\/p><\/blockquote>\n          <figcaption>Alex Cuadros <span>&middot; IT &amp; Operations Manager, Alta Signa<\/span><\/figcaption>\n        <\/figure>\n        <figure class=\"it-voice\">\n          <blockquote><p>We're hearing from our brokers that the property market is softening, so we're seeing more pressure on property pricing, particularly in catastrophe-prone areas. There hasn't been a major hurricane recently, but they will come, so the key is balancing that pressure to win, but not underpricing.<\/p><\/blockquote>\n          <figcaption>Brianna Chia <span>&middot; Insurance Operations Executive, District Cover<\/span><\/figcaption>\n        <\/figure>\n      <\/div>\n    <\/div>\n    <div class=\"it-narrow it-reveal\" style=\"max-width:820px;\">\n      <p>MGAs will also need to turn their focus on winning and retaining capacity with streamlined technology and joined-up reporting and compliance.<\/p>\n    <\/div>\n    <figure class=\"it-quote it-reveal\">\n      <blockquote><p>MGAs will need cleaner data, tighter controls and faster reporting if they want to keep (and grow) capacity. Accuracy on the back end also becomes a survival issue. With costs rising, insurers will expect MGAs to prove their numbers are solid, premium flows, commissions, bordereaux, all of it. Weak accounting will make capacity conversations tough.<\/p><\/blockquote>\n      <figcaption>\n        <img decoding=\"async\" class=\"it-quote-avatar\" src=\"https:\/\/insly.com\/wp-content\/uploads\/2026\/10\/download-luc.png\" alt=\"Robin Luc Oppenheim\" width=\"58\" height=\"58\">\n        <span class=\"it-quote-who\"><strong>Robin Luc Oppenheim<\/strong><small>Director of Insurance Innovation, Insly<\/small><\/span>\n      <\/figcaption>\n    <\/figure>\n  <\/div>\n<\/section>\n\n<!-- ================= TREND 05 ================= -->\n<section class=\"it-section\" id=\"tr-t5\" data-trend=\"5\" aria-labelledby=\"tr-t5-h\">\n  <div class=\"it-wrap\">\n    <div class=\"it-trend-head it-reveal\">\n      <span class=\"it-num\" aria-hidden=\"true\">05<\/span>\n      <div>\n        <h2 id=\"tr-t5-h\">Speed will overtake price as the key market differentiator<\/h2>\n      <\/div>\n    <\/div>\n    <div class=\"it-cols\">\n      <div class=\"it-reveal\">\n        <p>Despite the hardening market, competition for business will remain fierce, which means MGAs will need to work harder to differentiate themselves amongst their broker partners. Demand for faster quotes means brokers will send their submissions to an increasing number of MGAs and speed will become the most important competitive advantage.<\/p>\n        <figure class=\"it-voice\">\n          <blockquote><p>In 2026, the submission wars will begin, as brokers realise the best results come from sending their requirements to 20 or more MGAs. Tough competition means price alone won't differentiate providers. In fact, those MGAs that deploy AI tools to speed this process up will immediately be at an advantage and be able to charge a premium as a result.<\/p><\/blockquote>\n          <figcaption>Risto Rossar <span>&middot; Founder and CEO, Insly<\/span><\/figcaption>\n        <\/figure>\n        <p>Socrates Systems has also seen an increased demand for speed in its work with clients, who are increasingly seeking faster rollouts of new systems, innovations and products, to stay ahead of the market.<\/p>\n        <figure class=\"it-voice\">\n          <blockquote><p>Speed is a bigger competitive advantage now and having that modern platform that's built around quick deliveries is a big win. The days of waiting for three months for rate changes or sprints are gone now. That means agile working and close relationships with clients are essential to identify quick wins and how to make changes within days, not weeks or months.<\/p><\/blockquote>\n          <figcaption>Jody Brooks <span>&middot; Managing Director, Socrates Systems<\/span><\/figcaption>\n        <\/figure>\n      <\/div>\n      <figure class=\"it-visual it-anim\" role=\"img\" aria-label=\"A stopwatch sweeping as one submission fans out to over twenty MGAs\">\n        <svg viewBox=\"0 0 380 330\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n          <!-- stopwatch -->\n          <circle cx=\"130\" cy=\"170\" r=\"74\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"4\"\/>\n          <circle cx=\"130\" cy=\"170\" r=\"60\" fill=\"url(#trHTo)\" opacity=\".15\"\/>\n          <path d=\"M118 84h24M130 84v12\" stroke=\"#1d1d1d\" stroke-width=\"4\" stroke-linecap=\"round\"\/>\n          <line class=\"tr-sweep\" x1=\"130\" y1=\"170\" x2=\"130\" y2=\"122\" stroke=\"#ff7d00\" stroke-width=\"5\" stroke-linecap=\"round\"\/>\n          <circle cx=\"130\" cy=\"170\" r=\"7\" fill=\"#1d1d1d\"\/>\n          <!-- speed lines -->\n          <path d=\"M30 120h28M22 150h24M28 180h22\" stroke=\"#1d1d1d\" stroke-width=\"3.5\" stroke-linecap=\"round\" opacity=\".5\"\/>\n          <!-- fan to MGAs -->\n          <g stroke=\"#ff7d00\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-dasharray=\"1 8\">\n            <path d=\"M206 142 C250 118 282 104 312 92\"\/>\n            <path d=\"M210 162 C256 152 290 146 322 142\"\/>\n            <path d=\"M210 182 C256 190 290 196 322 200\"\/>\n            <path d=\"M206 200 C250 222 282 236 312 248\"\/>\n          <\/g>\n          <g stroke=\"#1d1d1d\" stroke-width=\"2.5\">\n            <rect x=\"316\" y=\"76\" width=\"44\" height=\"30\" rx=\"6\" fill=\"#fff\"\/>\n            <rect x=\"326\" y=\"128\" width=\"44\" height=\"30\" rx=\"6\" fill=\"#fff\"\/>\n            <rect x=\"326\" y=\"186\" width=\"44\" height=\"30\" rx=\"6\" fill=\"#fff\"\/>\n            <rect x=\"316\" y=\"238\" width=\"44\" height=\"30\" rx=\"6\" fill=\"#fff\"\/>\n          <\/g>\n          <text x=\"338\" y=\"96\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">MGA<\/text>\n          <text x=\"348\" y=\"148\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">MGA<\/text>\n          <text x=\"348\" y=\"206\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#1d1d1d\">MGA<\/text>\n          <text x=\"338\" y=\"258\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#da7400\">20+<\/text>\n          <text x=\"190\" y=\"318\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#9b9b9b\" letter-spacing=\"2\">THE SUBMISSION WARS BEGIN<\/text>\n        <\/svg>\n      <\/figure>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ================= TREND 06 ================= -->\n<section class=\"it-section it-section--mint\" id=\"tr-t6\" data-trend=\"6\" aria-labelledby=\"tr-t6-h\">\n  <div class=\"it-wrap\">\n    <div class=\"it-trend-head it-reveal\">\n      <span class=\"it-num\" aria-hidden=\"true\">06<\/span>\n      <div>\n        <h2 id=\"tr-t6-h\">Predictive analytics for better decision-making<\/h2>\n      <\/div>\n    <\/div>\n    <div class=\"it-cols it-cols--flip\">\n      <figure class=\"it-visual it-anim\" role=\"img\" aria-label=\"A performance line continuing into a dotted forecast\">\n        <svg viewBox=\"0 0 380 300\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n          <line x1=\"30\" y1=\"252\" x2=\"356\" y2=\"252\" stroke=\"#b4b4b4\" stroke-width=\"2.5\"\/>\n          <line x1=\"30\" y1=\"252\" x2=\"30\" y2=\"40\" stroke=\"#b4b4b4\" stroke-width=\"2.5\"\/>\n          <line x1=\"212\" y1=\"48\" x2=\"212\" y2=\"252\" stroke=\"#dcdcdc\" stroke-width=\"2\" stroke-dasharray=\"4 7\"\/>\n          <path class=\"it-chartline\" d=\"M40 226 C90 218 130 196 170 168 S200 142 212 134\" stroke=\"#1d1d1d\" stroke-width=\"5\" stroke-linecap=\"round\"\/>\n          <path d=\"M212 134 C250 110 290 96 340 84\" stroke=\"#ff7d00\" stroke-width=\"4.5\" stroke-linecap=\"round\" stroke-dasharray=\"2 10\"\/>\n          <path d=\"M212 134 C252 126 300 126 344 132\" stroke=\"#ff7d00\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-dasharray=\"2 10\" opacity=\".45\"\/>\n          <circle class=\"it-chartdot\" cx=\"212\" cy=\"134\" r=\"8\" fill=\"#ff7d00\"\/>\n          <text x=\"118\" y=\"278\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11.5\" font-weight=\"800\" fill=\"#9b9b9b\" letter-spacing=\"1\">WHAT HAPPENED<\/text>\n          <text x=\"286\" y=\"278\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11.5\" font-weight=\"800\" fill=\"#da7400\" letter-spacing=\"1\">WHAT WILL HAPPEN<\/text>\n        <\/svg>\n      <\/figure>\n      <div class=\"it-reveal\">\n        <p>The rise in digital systems means insurance companies are now able to collect data from a whole range of sources much more easily, yet many are still only scratching the surface of what is possible with this mountain of information. The next step, and one which forward-thinking insurance companies will take next year, is to use this data for predictive analytics to inform business decision-making.<\/p>\n        <figure class=\"it-voice\">\n          <blockquote><p>Business data is giving us more insights into end-to-end processes and understanding of the time we're spending on different activities. This already drives our reporting through Insly; however, we now want to predict, based on certain triggers or scenarios, if the risk is worth taking, if a certain product will be profitable, or what our final loss ratio will be under certain conditions. A lot of insurance companies are very focused on internal processes, but not so many are driving excellence in their decision-making.<\/p><\/blockquote>\n          <figcaption>Alex Cuadros <span>&middot; IT &amp; Operations Manager, Alta Signa<\/span><\/figcaption>\n        <\/figure>\n      <\/div>\n    <\/div>\n    <div class=\"it-narrow it-reveal\" style=\"max-width:820px;\">\n      <p>At Socrates Systems, Jody Brooks has seen an increasing demand for data from clients keen to drive a deeper level of analysis and greater responsiveness to opportunities and threats in the market.<\/p>\n      <figure class=\"it-voice\">\n        <blockquote><p>Insurers and MGAs are really drilling down into data now. They're looking for greater clarity of numbers and more proactivity regarding performance drivers, behaviour trends, claims models and want to combine all that information to gain a competitive advantage. We're increasingly providing clients with that raw data, so they can carry out much deeper analysis.<\/p><\/blockquote>\n        <figcaption>Jody Brooks <span>&middot; Managing Director, Socrates Systems<\/span><\/figcaption>\n      <\/figure>\n      <p>Predictive analytics will also continue to advance in better personalising coverage to the needs of individual customers.<\/p>\n      <figure class=\"it-voice\">\n        <blockquote><p>Traditional life and health products lump people into static categories, yet modern careers and lifestyles shift constantly. Insurers will begin predicting life-stage transitions and automatically offering product pivots that align with them. Rather than waiting for customers to initiate changes, algorithms will flag changing financial habits, address history, spending trends and health patterns and propose frictionless coverage updates. The insurer becomes a proactive life partner instead of a silent file with auto-renew.<\/p><\/blockquote>\n        <figcaption>Jeffrey Zhou <span>&middot; CEO and founder, <a href=\"https:\/\/www.figloans.com\/\" target=\"_blank\" rel=\"noopener\">Fig Loans<\/a><\/span><\/figcaption>\n      <\/figure>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ================= TREND 07 ================= -->\n<section class=\"it-section\" id=\"tr-t7\" data-trend=\"7\" aria-labelledby=\"tr-t7-h\">\n  <div class=\"it-wrap\">\n    <div class=\"it-trend-head it-reveal\">\n      <span class=\"it-num\" aria-hidden=\"true\">07<\/span>\n      <div>\n        <h2 id=\"tr-t7-h\">Insurers get bespoke with embedded channels<\/h2>\n      <\/div>\n    <\/div>\n    <div class=\"it-cols\">\n      <div class=\"it-reveal\">\n        <p>The economic slowdown and market saturation mean growth has been slowing across the insurance market in the last couple of years. As a result, insurers are having to look beyond tried and tested distribution channels to reach new customers and build new revenue streams.<\/p>\n        <p>For many, <a href=\"https:\/\/insly.com\/en\/blog\/how-to-expand-embedded-insurance-partnerships-to-drive-growth\/\">embedded insurance<\/a> is still a relatively unexplored avenue, but they will need to take a more bespoke approach to product development, as personalisation to exact customer needs becomes more important. That is only possible if they invest in the right technology.<\/p>\n      <\/div>\n      <figure class=\"it-visual it-anim\" role=\"img\" aria-label=\"A tailored product piece sliding into a partner-shaped slot\">\n        <svg viewBox=\"0 0 380 300\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n          <g class=\"it-venn\">\n            <!-- partner slot -->\n            <g class=\"it-venn-a\">\n              <path d=\"M210 70 h110 v160 h-110 v-52 a26 26 0 0 0 0 -56 z\" fill=\"#fff\" stroke=\"#1d1d1d\" stroke-width=\"3.5\"\/>\n              <text x=\"268\" y=\"120\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#1d1d1d\">PARTNER<\/text>\n            <\/g>\n            <!-- bespoke product piece -->\n            <g class=\"it-venn-b\">\n              <path d=\"M70 110 h92 a26 26 0 0 1 0 56 v0 h-92 z\" fill=\"url(#trHTo)\" stroke=\"#1d1d1d\" stroke-width=\"3.5\" opacity=\".95\"\/>\n              <text x=\"112\" y=\"144\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12\" font-weight=\"900\" fill=\"#1d1d1d\">PRODUCT<\/text>\n            <\/g>\n          <\/g>\n          <path d=\"M72 226 C120 252 220 258 300 250\" stroke=\"#ff7d00\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-dasharray=\"1 9\"\/>\n          <text x=\"190\" y=\"288\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#9b9b9b\" letter-spacing=\"2\">EVERY PARTNER, THEIR OWN FLAVOUR<\/text>\n        <\/svg>\n      <\/figure>\n    <\/div>\n    <figure class=\"it-quote it-reveal\">\n      <blockquote><p>Every partner wants their own flavour of insurance based on what customers want and need, yet many insurers try to squeeze them into a box of what they already offer. Historically, a more bespoke approach hasn't been possible as insurers haven't been able to build the products fast enough. Now the technology is there to do it and attitudes towards those channels will see a big shift and some surprising new winners.<\/p><\/blockquote>\n      <figcaption>\n        <img loading=\"lazy\" decoding=\"async\" class=\"it-quote-avatar\" src=\"https:\/\/insly.com\/wp-content\/uploads\/2026\/10\/download-chris.png\" alt=\"Christian Bangsgaard Pedersen\" width=\"58\" height=\"58\">\n        <span class=\"it-quote-who\"><strong>Christian Bangsgaard Pedersen<\/strong><small>Non-Executive Board Member, Insly<\/small><\/span>\n      <\/figcaption>\n    <\/figure>\n  <\/div>\n<\/section>\n\n<!-- ================= TREND 08 ================= -->\n<section class=\"it-section it-section--mintsoft\" id=\"tr-t8\" data-trend=\"8\" aria-labelledby=\"tr-t8-h\">\n  <div class=\"it-wrap\">\n    <div class=\"it-trend-head it-reveal\">\n      <span class=\"it-num\" aria-hidden=\"true\">08<\/span>\n      <div>\n        <h2 id=\"tr-t8-h\">Insurers professionalise MGA strategy<\/h2>\n      <\/div>\n    <\/div>\n    <div class=\"it-cols it-cols--flip\">\n      <figure class=\"it-visual it-anim\" role=\"img\" aria-label=\"A deliberate route plotted across a board of MGAs to a flag\">\n        <svg viewBox=\"0 0 380 300\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\">\n          <g stroke=\"#1d1d1d\" stroke-width=\"2.5\">\n            <rect x=\"40\" y=\"52\" width=\"66\" height=\"48\" rx=\"8\" fill=\"#fff\"\/>\n            <rect x=\"156\" y=\"52\" width=\"66\" height=\"48\" rx=\"8\" fill=\"#fff\"\/>\n            <rect x=\"272\" y=\"52\" width=\"66\" height=\"48\" rx=\"8\" fill=\"#fff\"\/>\n            <rect x=\"40\" y=\"134\" width=\"66\" height=\"48\" rx=\"8\" fill=\"#fff\"\/>\n            <rect x=\"156\" y=\"134\" width=\"66\" height=\"48\" rx=\"8\" fill=\"url(#trHTo)\" opacity=\".95\"\/>\n            <rect x=\"272\" y=\"134\" width=\"66\" height=\"48\" rx=\"8\" fill=\"#fff\"\/>\n            <rect x=\"40\" y=\"216\" width=\"66\" height=\"48\" rx=\"8\" fill=\"#fff\"\/>\n            <rect x=\"156\" y=\"216\" width=\"66\" height=\"48\" rx=\"8\" fill=\"#fff\"\/>\n            <rect x=\"272\" y=\"216\" width=\"66\" height=\"48\" rx=\"8\" fill=\"url(#trHTo)\" opacity=\".95\"\/>\n          <\/g>\n          <g font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"800\" fill=\"#575757\" text-anchor=\"middle\">\n            <text x=\"73\" y=\"81\">MGA<\/text><text x=\"189\" y=\"81\">MGA<\/text><text x=\"305\" y=\"81\">MGA<\/text>\n            <text x=\"73\" y=\"163\">MGA<\/text><text x=\"305\" y=\"163\">MGA<\/text>\n            <text x=\"73\" y=\"245\">MGA<\/text><text x=\"189\" y=\"245\">MGA<\/text>\n          <\/g>\n          <text x=\"189\" y=\"163\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"900\" fill=\"#1d1d1d\">MGA<\/text>\n          <text x=\"305\" y=\"245\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"11\" font-weight=\"900\" fill=\"#1d1d1d\">MGA<\/text>\n          <g class=\"it-converge\" stroke=\"#ff7d00\" stroke-width=\"4\" stroke-linecap=\"round\">\n            <line x1=\"30\" y1=\"282\" x2=\"110\" y2=\"240\"\/>\n            <line x1=\"110\" y1=\"240\" x2=\"189\" y2=\"182\"\/>\n            <line x1=\"189\" y1=\"182\" x2=\"268\" y2=\"240\"\/>\n            <line x1=\"268\" y1=\"240\" x2=\"305\" y2=\"200\"\/>\n          <\/g>\n          <path d=\"M305 200v-30\" stroke=\"#1d1d1d\" stroke-width=\"3\" stroke-linecap=\"round\"\/>\n          <path d=\"M305 170l24 8-24 8z\" fill=\"#ff7d00\"\/>\n          <text x=\"189\" y=\"294\" text-anchor=\"middle\" font-family=\"Nunito, Arial\" font-size=\"12.5\" font-weight=\"800\" fill=\"#9b9b9b\" letter-spacing=\"2\">FROM OPPORTUNISTIC TO STRATEGIC<\/text>\n        <\/svg>\n      <\/figure>\n      <div class=\"it-reveal\">\n        <p>The MGA sector will continue to grow in 2026, with rising private equity interest driving consolidation at the top of the market, while new players emerge to cater to new risks as they arise.<\/p>\n        <p>As with embedded channels, MGAs are a vital distribution channel for insurers, enabling them to reach new customers without investing heavily in product development and specialist expertise. However, whereas in the past insurer-MGA partnerships have often been opportunistic, insurers that build a focused strategy will have the advantage.<\/p>\n        <figure class=\"it-voice\">\n          <blockquote><p>There is no point in insurers trying to compete with MGAs for this type of business, which is why allocating more risk to these channels is the most effective route to growth. Those that see the most growth will professionalise it and have a dedicated strategy for that segment.<\/p><\/blockquote>\n          <figcaption>Christian Bangsgaard Pedersen <span>&middot; Non-Executive Board Member, Insly<\/span><\/figcaption>\n        <\/figure>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- ================= CLOSING ================= -->\n<section class=\"it-close\" id=\"tr-close\" aria-labelledby=\"tr-close-h\">\n  <div class=\"it-close-arrow\" aria-hidden=\"true\">\n    <svg width=\"90\" height=\"90\" viewBox=\"0 0 90 90\" fill=\"none\"><path d=\"M14 76 C34 62 52 44 72 20\" stroke=\"#ffffff\" stroke-width=\"8\" stroke-linecap=\"round\"\/><path d=\"M72 20l-26 3M72 20l-4 26\" stroke=\"#ffffff\" stroke-width=\"8\" stroke-linecap=\"round\"\/><\/svg>\n  <\/div>\n  <h2 id=\"tr-close-h\">Growth doesn't have to be <em>risky.<\/em><\/h2>\n  <p>When economic growth slows, investment in innovation is more important than ever to ensure businesses keep improving and delivering for their customers and the bottom line. But innovation doesn't always need to be high-risk. Advancements in technology mean there are now tools and platforms out there that can bring huge business benefits, without a significant outlay upfront. And with the right technology, other business growth strategies become easier, including building partnerships, setting up sales channels, developing products and driving efficiency.<\/p>\n  <p>Insly is on a mission to give every MGA and insurer access to enterprise-grade software, without the financial risk of prohibitive upfront costs and monthly spend. With nearly two decades of insurance expertise, Insly combines innovative, end-to-end, flexible software with fast, risk-free implementation and growth-aligned pricing. So, it's easy to invest in the change you want to see, in 2026 and beyond.<\/p>\n  <div class=\"it-close-ctas\">\n    <a class=\"it-btn\" href=\"https:\/\/insly.com\/en\/insly-discovery-call\/\">Speak with Insly<\/a>\n    <a class=\"it-btn it-btn--ghost\" href=\"https:\/\/insly.com\/en\/solutions-overview\/\">Explore Insly's low-risk insurance software<\/a>\n  <\/div>\n  <div class=\"it-close-links\">\n    <a href=\"https:\/\/insly.com\/\">insly.com<\/a>\n    <a href=\"https:\/\/www.linkedin.com\/company\/inslytech\/\" target=\"_blank\" rel=\"noopener\">LinkedIn<\/a>\n    <a href=\"https:\/\/x.com\/insly_com\" target=\"_blank\" rel=\"noopener\">X \/ Twitter<\/a>\n    <a href=\"https:\/\/www.youtube.com\/@Insly\" target=\"_blank\" rel=\"noopener\">YouTube<\/a>\n  <\/div>\n<\/section>\n\n<\/div><!-- \/.insly-trends-2026 -->\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>0102030405060708 TRENDS 2026 26 E-book &middot; Insly Insurance Trends Report 2026 Eight trends Insly experts and industry commentators believe will dominate 2026. Explore the 8 trends Scroll Contents Introduction 1 &middot; AI in core operations 2 &middot; In-house AI 3 &middot; Targeted efficiency 4 &middot; Capacity relationships 5 &middot; Speed over price 6 &middot; Predictive [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[369],"tags":[408,409],"class_list":["post-25727","post","type-post","status-publish","format-standard","hentry","category-ebook","tag-insurance-trends-2026","tag-insurance-trends-report"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance in 2026 | The biggest trends - from the experts<\/title>\n<meta name=\"description\" content=\"What opportunities and threats will dominate the insurance sector in the next 12 months? 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