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Seguros de vida

El sector de los seguros de vida se enfrenta a desafíos en múltiples frentes, desde un crecimiento más lento de las pólizas hasta un cambio generacional.

Para seguir el ritmo, las aseguradoras deben evolucionar junto con estos cambios sociales. Pero los sistemas manuales y anticuados a menudo se interponen en el camino del crecimiento real.

El envejecimiento de la población y las expectativas de las nuevas generaciones están creando oportunidades y retos para las aseguradoras de vida y planes de pensiones. La ralentización del crecimiento de las pólizas de vida, unida al aumento de las primas, está obligando a las aseguradoras a buscar nuevos productos, mercados y eficiencias, mientras que las empresas buscan paquetes de prestaciones más sólidos para atraer y retener talento.
Independientemente de si se trata de un grupo o de un individuo, para liderar el mercado de seguros actual se requiere un nuevo y audaz enfoque. El equipo de seguros de vida de Capgemini proporciona a su empresa las tecnologías y habilidades empresariales que necesita para mantenerse a la cabeza. Podemos ayudarle a construir capacidades digitales y de datos avanzadas para crear una experiencia de cliente unificada, agilizar las operaciones y retener activos.

    Informe Mundial de Seguros de vida 2025

    Reducir la brecha en la experiencia del cliente: Garantizar la relevancia de los seguros de vida a través de un enfoque centrado en el cliente.

    Top tendencias seguros 2024

      Cómo podemos ayudarte

      Ve más allá de las asistencias y construye una relación a largo plazo con los clientes mediante un compromiso proactivo y la reducción de la brecha de confianza durante el ciclo de vida de la póliza.

      Through the automation of processes, agents and customers share digital capabilities to create a seamless experience. This optimizes both small and large policy pay-outs, improving efficiency and customer satisfaction.

      Care-led claims management provides beneficiaries a platform to engage with the insurer throughout the policy lifecycle, resulting in a more streamlined, personalized claims experience:

      • Prior to claim – Beneficiaries can engage with the insurer to receive education and additional value-add services. Insurers can expect higher quality beneficiary data and a closer relationship with the beneficiary.
      • At the time of claim – Beneficiaries will have a more transparent, streamlined, and personalized claim experience.
      • Post-claim – Beneficiaries have access to guided pay-out options that meet them where they are in life and provide the right value that they need. Insurers benefit from asset retention as they continue to engage beneficiaries beyond the claim to result in growth through both new and existing channels.
      Elabora una hoja de ruta para la transición de la tecnología heredada a la digital y a la nube, reduciendo la deuda tecnológica y el coste total con una cobertura de API, al tiempo que aprovecha todas las ventajas de las principales soluciones de TI.

      Insurance information is often scattered across a variety of systems and transitioning to new systems can be time-consuming and risky.

      By leveraging a digital API wrapper, insurance companies can streamline their backend processes with modern technologies. Integrating legacy systems with modern processes eliminates the need to sift through numerous layers of data, delivering only relevant information. This cuts down on error and provides a more agile experience, benefiting both internal teams and policyholders, while giving carriers a roadmap to eliminating legacy technology.

      An API wrapper gives you the power to consolidate functions, decommission unnecessary legacy processes if and when you choose, and provide a unified experience for all stakeholders.

      Ofrece productos innovadores a través de una experiencia omnicanal.

      Legacy distribution models are preventing life insurers and benefit providers from reaching customers quickly and efficiently.

      Digital selling accelerates your ability to offer innovative products through an omnichannel experience. API-based digital sales capabilities boost operational efficiency, improve productivity, and re-engineer purchase journeys giving your customers a seamless experience.

      With agency enablement, insurers can attract and retain top agents by giving them the tools they need to enhance their efficiency. Digital advisory via digital marketing, engagement, and collaboration tools provides support to boost productivity.

      These solutions create engaging experiences and allow you to acquire new customers and generate new revenue streams.

      Life insurance is rich in data, but legacy systems hinder insights. Data should be an asset, not a risk.

      Our data estate modernization methodology revolutionizes your data landscape, transforming it into a future-proof and agile foundation. This helps insurers boost the data value chain and manage data across silos, leveraging it as an asset and ecosystem driver.

      Our offer for data cloud includes:

      • Strategy and advisory
      • Design and build
      • Modernization
      • Cloud managed operations

      We are uniquely positioned to support your individual or group business data modernization journey, democratize, and industrialize your data estate with our suite of accelerators, frameworks, methodologies, and implementation capabilities.

      Data-powered financial services

      Our unique solutions help clients harness the power of data through AI, machine learning, process automation, and more.

        Cloud for financial services

        Unlock the full potential of your cloud investments.

          Conoce a nuestros expertos

          Jordi Valls

          Head of Insurance Segment