This issue of Product Trends Around the World features a variety of new insurance benefits and services launched in Q3 2026.
Highlights include:
- Simplified-issue insurance solutions expanding access to protection for people with pre-existing conditions, including condition-specific critical illness products and a health product that underwrites conditions separately
- Coverage for children and their families, such as standalone critical illness and permanent life products for children, as well as benefits that support parents who reduce or stop work to care for a seriously ill child
- Hybrid products combining multiple benefits, including medical expense funding and occupational disability cover enhanced with a critical illness benefit
- Life and income protection distributed through alternative distribution channels, including a home-moving and household-bill platform, supermarket-linked insurance agencies, and a family-finance platform
- AI-enabled solutions supporting wellness screening, earlier clinical outreach, and insurance quotation journeys, such as smartphone-based physiological assessments, predictive care-management tools, and conversational tools for generating quotes and comparing insurance prices
- Value-added services promoting healthier behaviors and improved metabolic health, including incentives for fresh-food purchases and digital weight-management programs offering nutrition guidance, coaching, and personalized support
