As can be seen from the analytical data, most large insurance companies are moving toward high-quality services and increasing their geographical coverage.

This requires them to invest in the development of customized solutions for different markets, such as Europe and the US.

That is why Diceus is actively working to meet these needs by developing customized products for insurance companies.

‍

Data

In 2025, according to Swiss Re forecasts, the pace will be slower, but the market will still show growth of 2.9% year-on-year. Both the life and non-life segments are expected to grow.

Since the beginning of 2025, the MSCI World Insurance Index of public insurance companies has risen by 16%. Interestingly, since the beginning of the year, insurance companies' shares have outperformed the MSCI World Equity Index and the US S&P 500, which rose by 5% and 1%, respectively.

Analysts note that the rally in insurance stocks is primarily driven by favorable macroeconomic conditions—high key rates are helping insurers earn money in their investment portfolios—and the stable business models of insurance companies. According to analysts, in the current period of turbulence in the global economy, insurance stocks are now an “island of stability.”

Results of the largest players in the first quarter of 2025:

1) Germany's Allianz reported stable financial results, growing its total business (+12% y/y) to €54 billion and operating profit (+6%) to €4.2 billion. However, the company's net profit fell 2% y/y to €2.6 billion due to one-off tax adjustments.

2) US insurance company Progressive (the world's largest by market capitalization, excluding Berkshire Hathaway) continues to grow at double-digit rates. Revenue grew 18% year-on-year to $20.4 billion, while net profit rose 13% to $2.6 billion, with return on equity reaching an impressive 34% thanks to high-margin underwriting.

3) Chinese insurance company Ping An Insurance, which has successfully built a financial services ecosystem, reported weak net income, which fell 26% year-on-year to 27 billion yuan due to a 65% year-on-year decline in investment income amid volatility in global stock markets. However, the company's customer base in China grew by 1% to ~245 million people.

4) Swiss insurance company Chubb suffered losses related to the California wildfires (insurance claims of $1.5 billion), which led to a 38% decline in net profit to $1.3 billion, despite a 5% increase in premiums to $15.1 billion and a 12% increase in investment income to $1.6 billion.

As we can see, the figures vary depending on geography and other factors

However, every large company is constantly modernizing its approaches and technologies in order to increase profits.