Core Strategy 2026

Insurance Industry

The insurance industry is being reshaped by digital transformation – this core strategy shows you how to stay in control.

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For primary insurers, InsurTechs, and embedded insurance providers who realize that pre-selection is increasingly happening on Check24, Verivox, and in AI searches rather than through their own channels.
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26 pages, ready to use immediately. No transformation project, no IT dependency.
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5 key patterns that are currently holding back new business and profitability.
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End-to-end logic for discoverability, closing capability, and customer retention, even when dealing with legacy systems and regulatory requirements.
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Where your customers are really making decisions today

Purchasing insurance online has gone from being an exception to standard behavior within just a few years – across all age groups.

In 2019, 55% of customers purchased insurance online; by 2025, that figure reached 83%. The problem: customer readiness is growing faster than the ability of insurers to serve them. International benchmarks put the abandonment rate in the insurance sector at up to 84% – the highest of any industry. If you don't align your digital funnel with this user behavior, you aren't losing customers due to a lack of interest, but because of your own website.

The entry point for research and pre-selection is shifting away from the broker.

In 2014, about 70% of initial contact still went through brokers; by 2024, that figure had dropped to about 45%, while comparison portals grew from 20% to over 55% in the same period. However, even these comparison portals will come under pressure starting in 2027: forecasts indicate a decline in favor of AI-powered pre-selection. Anyone relying solely on brokers or comparison portals today is optimizing for the channel of yesterday.

Who is this Core Strategy for?

This 26-page document is for you if you are responsible for turning digital interest into profitable policies at an insurance company – whether you are a primary insurer (property, life, health, auto), a broker or direct insurer, an InsurTech (digital insurer, MGA, comparison and closing platform), or an embedded insurance provider. Typical roles include CEO/Managing Director, Chief Commercial Officer, Chief Digital Officer, CMO/Head of Marketing, CFO, and Head of Product/Head of Customer Journey.

In the Core Strategy, you will learn:

Customer access in the insurance industry is being attacked from three sides at once: from below by comparison portals, from the side by embedded models, and from above by AI-powered research. This core strategy provides you with a concrete framework to regain control of your digital funnel – measurably and without years of major IT projects.

No. 1
Why you are losing to Check24 before you even realize it
How customer access is shifting simultaneously due to aggregators, embedded partners, and AI agents – and what this means for your conversion rate
No. 2
Understanding the 84% abandonment rate
Why customers drop off in the rate calculator and application process despite high online intent – and the four specific points where this happens
No. 3
Distribution costs that no one can explain
How to separate broker commissions, platform fees, and paid media budgets to reveal which channels are truly driving profitable new business
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