Consumer trends in insurance and pensions 2025: Heatmap with key findings

The heatmap emphasises key trends in the insurance and pensions sectors on the following areas:

• Claims management
• Digitalization distribution trends
• Atypical distribution models entering market
• Value for Money in insurance and pensions
• Pension gap
• Protection gap (health and NatCat)

The heatmap, which takes into account selected data and relevant supervisory judgement, represents actual findings which have been identified at the European level.

The findings of the report are underpinned by various data sources, including the results of EIOPA’s Eurobarometer survey.