The insurance sector is facing a combination of challenges that threaten the equilibrium of today's model:
- Increasing regulatory pressure, marked in particular by the structural transformations imposed by European directives (Solvency 2, IFRS 9, IFRS 17) and local directives (Insurance Distribution Directive, Hamon Law, Lemoine, 100% Santé, etc.).
- The installation of emerging risks (cyber, climatic, etc.) and their growing impact on insurers' costs, as well as the profound changes they are bringing about in the way they approach prevention, claims handling and the customer's attitude.
- A turbulent economic and social environment which has upset the balance and is now calling for a rethink of established models, with the emergence of inclusive insurance and an in-depth review of property-casualty, life and health insurance products.
- Strong competition within an already crowded landscape, which requires players to grasp the challenges of digitization, personalization of pathways and services, and to project themselves onto the technological opportunities represented by AI and IAGen
Faced with these challenges, Silamir Group supports its customers in implementing solutions tailored to their ambitions and constraints.
