定期保険の市場規模、シェア、動向分析：タイプ別、流通チャネル別、地域別、セグメント別予測、2024年～2030年

定期保険市場の成長と動向：

Grand View Research, Inc.の最新レポートによると、世界の定期保険市場規模は2030年までに1兆8,974億米ドルに達し、2024年から2030年までのCAGRは8.9%で拡大すると予測されています。

保険分野におけるデジタルトランスフォーメーションの拡大は、同市場に成長機会をもたらすと期待されています。人口の可処分所得の増加、InsurTechの出現、中国、インド、ブラジルなどの先進経済諸国における中間層の人口増加など、さまざまな要因が定期保険の需要を促進しています。

保険業界のデジタル化の進展は、著名な定期保険プロバイダーをデジタルソリューションの立ち上げに駆り立てています。例えば、Life Insurance Corporation of Indiaは2023年11月、新しいTech-Term保険プランを発表しました。この新しいTech-Term保険プランは、非リンク型、純粋な保障、オンライン、無収益の定期保険プランです。このプランはオンライン手続きのみで利用可能で、仲介業者は一切関与しません。このようなプランは、アクセスが容易で手間のかからない手続きであることから、消費者の間で定期保険の普及を促進し、市場の成長に寄与しています。

定期保険プロバイダーは、保険プロセスを自動化し、運営コストを削減し、効率を向上させるために、最先端の先端技術を採用しています。この技術には、リスクの高い複雑なプロセスを自動化するための機械学習や、保険の自動化のためのブロックチェーン、ロボティックプロセスオートメーション、ロボットアドバイザーなどの人工知能が含まれます。こうした技術は、保険会社と保険契約者の双方にとってリスクとリターンのトレードオフを改善し、予測期間中の市場の成長を促進すると期待されます。

しかし、定期保険分野には、そのメリットに関する一般の認知度の低さ、規制要件の進化、複雑な引受プロセス、手頃な価格でありながら包括的な保障の必要性など、注目すべき課題があります。市場のリーダーたちは、こうした課題に積極的に取り組み、保険契約の簡素化、顧客教育の改善、変化する規制への対応を行い、市場の成長を促しています。

定期保険市場レポートハイライト

• 個人用定期保険セグメントは予測期間中に大幅な成長が見込まれます。経済的保障の重要性に対する意識の高まりと、個人や家族における手頃な保障へのニーズが、同分野の成長を牽引しています。
• ブローカーセグメントは予測期間中に大幅な成長が見込まれます。ブローカーが顧客一人ひとりに合わせた専門的なガイダンスを提供し、複雑な保険情勢をナビゲートし、顧客のニーズに最も適した保険を選択できることが、このセグメントの成長を牽引しています。
• 北米は予測期間中に大きな成長を記録すると予想されます。この地域の成長は、保険プロセスを自動化し、運営コストを削減し、効率を向上させる最先端の先端技術の採用が増加していることに起因しています。
• 2023年8月、The Savings Bank Mutual Life Insurance Company of Massachusettsは新しいソリューションAcceleRateの発売を発表しました。この革新的なソリューションにより、販売パートナーや顧客は、迅速な手続き、信頼性、利便性に加え、さまざまな定期・終身保険商品の競合金利を保証されます。この発売は、保険市場において効率的で価値主導のソリューションを提供するという同社のコミットメントを大きく前進させるものです。

目次

第1章 調査手法と範囲

第2章 エグゼクティブサマリー

第3章 市場の変数、動向、範囲

• 市場イントロダクション/系統展望
• 業界バリューチェーン分析
  • 原材料の見通し
  • 製造と技術の動向
• 市場力学
  • 市場促進要因の影響分析
  • 市場抑制要因の影響分析
  • 市場機会の影響分析
• 業界分析ツール
  • ポーターの分析
  • PESTEL分析

第4章 定期保険市場：タイプの推定・動向分析

• セグメントダッシュボード
• 定期保険市場：タイプの変動分析、10億米ドル、2023年・2030年
• 個人用定期生命保険
• 団体用定期生命保険
• 逓減型定期生命保険

第5章 定期保険市場：流通チャネルの推定・動向分析

• セグメントダッシュボード
• 定期保険市場：流通チャネル変動分析、10億米ドル、2023年・2030年
• 提携代理店・支店
• ブローカー
• その他

第6章 定期保険市場：地域の推定・動向分析

• 定期保険市場：地域の展望
• 北米
  • 北米の定期保険市場の推定と予測、2017年-2030年
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • 欧州の定期保険市場の推定と予測、2017年-2030年
  • ドイツ
  • 英国
  • フランス
• アジア太平洋
  • アジア太平洋の定期保険市場の推定と予測、2017年-2030年
  • 中国
  • インド
  • 日本
  • 韓国
  • オーストラリア
• ラテンアメリカ
  • ラテンアメリカの定期保険市場の推定と予測、2017年-2030年
  • ブラジル
• 中東・アフリカ
  • 中東・アフリカの定期保険市場の推定と予測、2017-2030年
  • サウジアラビア王国（KSA）
  • アラブ首長国連邦
  • 南アフリカ

第7章 競合情勢

• 企業分類
• 参入企業の概要
  • MetLife Services and Solutions, LLC.
  • Aegon Life Insurance Company Limited
  • Prudential Financial, Inc.
  • The Northwestern Mutual Life Insurance Company
  • State Farm Mutual Automobile Insurance Company
  • Massachusetts Mutual Life Insurance Company
  • American International Group, Inc.
  • Lincoln National Corporation
  • John Hancock
  • China Life Insurance（Overseas）Company Limited
  • Bajaj Allianz Life Insurance Co. Ltd.
• 財務実績
• 製品ベンチマーク
• 企業の市場ポジショニング
• 企業市場シェア分析、2023年
• 企業ヒートマップ分析
• 戦略マッピング
  • 拡大
  • コラボレーション
  • 合併と買収
  • 新製品の発売
  • パートナーシップ
  • その他

List of Tables

• Table 1 Term insurance market, 2017 - 2030 (USD Billion)
• Table 2 Global market estimates and forecasts, by region, 2017 - 2030 (USD Billion)
• Table 3 Global market estimates and forecasts, by type, 2017 - 2030 (USD Billion)
• Table 4 Global market estimates and forecasts, by distribution channel, 2017 - 2030 (USD Billion)
• Table 5 Individual level term life insurance term insurance market, by region, 2017 - 2030 (USD Billion)
• Table 6 Group level term life insurance term insurance market, by region, 2017 - 2030 (USD Billion)
• Table 7 Decreasing term life insurance term insurance market, by region, 2017 - 2030 (USD Billion)
• Table 8 Tied agents & branches term insurance market, by region, 2017 - 2030 (USD Billion)
• Table 9 Brokers term insurance market, by region, 2017 - 2030 (USD Billion)
• Table 10 Others term insurance market, by region, 2017 - 2030 (USD Billion)
• Table 11 North America term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 12 North America term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 13 U.S term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 14 U.S term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 15 Canada term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 16 Canada term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 17 Mexico term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 18 Mexico term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 19 Europe term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 20 Europe term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 21 UK term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 22 UK term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 23 Germany term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 24 Germany term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 25 France term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 26 France term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 27 Asia Pacific term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 28 Asia Pacific term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 29 China term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 30 China term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 31 India term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 32 India term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 33 Japan term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 34 Japan term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 35 South Korea term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 36 South Korea term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 37 Australia term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 38 Australia term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 39 Latin America term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 40 Latin America term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 41 Brazil term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 42 Brazil term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 43 Middle East & Africa term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 44 Middle East & Africa term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 45 Kingdom of Saudi Arabia (KSA) term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 46 Kingdom of Saudi Arabia (KSA) term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 47 UAE term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 48 UAE term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 49 South Africa term insurance market, by type, 2017 - 2030 (USD Billion)
• Table 50 South Africa term insurance market, by distribution channel, 2017 - 2030 (USD Billion)
• Table 51 Company Market Share, 2023
• Table 52 Company Heat Map Analysis
• Table 53 Key companies undergoing expansion
• Table 54 Key companies undergoing collaborations
• Table 55 Key companies undergoing new product launch
• Table 56 Key companies undergoing mergers & acquisitions
• Table 57 Key companies undergoing other strategies

List of Figures

• Fig. 1 Term insurance market segmentation
• Fig. 2 Information procurement
• Fig. 3 Data analysis models
• Fig. 4 Market formulation and validation
• Fig. 5 Data validating & publishing
• Fig. 6 Market snapshot
• Fig. 7 Segment snapshot
• Fig. 8 Competitive landscape snapshot
• Fig. 9 Parent market value, 2023 (USD Billion)
• Fig. 10 Term insurance market - industry value chain analysis
• Fig. 11 Term insurance market dynamics
• Fig. 12 Term insurance market: Porter's analysis
• Fig. 13 Term insurance market: PESTEL analysis
• Fig. 14 Term insurance market, by type: key takeaways
• Fig. 15 Term insurance market, by type: market share, 2023 & 2030
• Fig. 16 Term insurance market estimates & forecasts, by individual level term insurance, 2017 - 2030 (USD Billion)
• Fig. 17 Term insurance market estimates & forecasts, by group level term insurance, 2017 - 2030 (USD Billion)
• Fig. 18 Term insurance market estimates & forecasts, by decreasing term life insurance, 2017 - 2030 (USD Billion)
• Fig. 19 Term insurance market, by distribution channel: key takeaways
• Fig. 20 Term insurance market, by distribution channel: market share, 2023 & 2030
• Fig. 21 Term insurance market estimates & forecasts, by tied agents & branches, 2017 - 2030 (USD Billion)
• Fig. 22 Term insurance market estimates & forecasts, by brokers, 2017 - 2030 (USD Billion)
• Fig. 23 Term insurance market estimates & forecasts, by others, 2017 - 2030 (USD Billion)
• Fig. 24 Term insurance market, by region: key takeaways
• Fig. 25 Term insurance market, by region: market share, 2023 & 2030
• Fig. 26 North America term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 27 U.S term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 28 Canada term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 29 Mexico term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 30 Europe term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 31 Germany term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 32 UK term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 33 France term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 34 Asia Pacific term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 35 China term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 36 India term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 37 Japan term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 38 South Korea term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 39 Australia term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 40 Latin America term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 41 Brazil term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 42 MEA term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 43 Kingdom of Saudi Arabia (KSA) term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 44 UAE term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 45 South Africa uae term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• Fig. 46 Key company categorization
• Fig. 47 Company market positioning
• Fig. 48 Company market share analysis, 2023
• Fig. 49 Strategic framework

Term Insurance Market Growth & Trends:

The global term insurance market size is anticipated to reach USD 1,897.40 billion by 2030 and is anticipated to expand at a CAGR of 8.9% from 2024 to 2030, according to a new report by Grand View Research, Inc. The growing digital transformation in the insurance sector is expected to create growth opportunities for the market. Various factors, such as the growing disposable income of the population, the emergence of InsurTech, and the growing middle-class population in developing economies such as China, India, and Brazil, are propelling the demand for the term insurance.

The growing digitization of the insurance industry is driving prominent term insurance providers to launch digital solutions. For instance, in November 2023, Life Insurance Corporation of India launched a new Tech-Term Insurance Plan. The new Tech-Term insurance plan is a non-linked, pure protection, online, and without-profit term insurance plan. The plan is available through online processes only, and no intermediaries are involved. Such plans are driving the adoption of term insurance among consumers due to its easy access and hassle-free process, thus benefiting the market's growth.

Term Insurance providers are adopting cutting-edge advanced technology to automate the insurance process, reduce operating costs, and improve efficiency. This technology includes machine learning for the automation of risky and complex processes and artificial intelligence such as blockchain, robotic process automation, and robot advisors for the automation of insurance. Such technologies are expected to improve the risk-return trade-off for both insurers and policyholders, thus harnessing the market's growth over the forecast period.

However, the term insurance sector encounters notable challenges, such as low public awareness about the benefits, evolving regulatory requirements, complex underwriting processes, and the need for affordable yet comprehensive coverage. Market leaders are actively working to address these challenges, simplifying policies, improving customer education, and adapting to changing regulations to stimulate market growth.

Term Insurance Market Report Highlights:

• The individual-level term life insurance segment is expected to grow significantly over the forecast period. The increasing awareness of the importance of financial protection and the need for affordable coverage among individuals and families are driving the segment's growth.
• The broker segment is expected to grow significantly over the forecast period. The ability of brokers to provide personalized, expert guidance to customers, helping them navigate the complex insurance landscape and select policies that best suit their needs, is driving the segment's growth.
• North America is anticipated to register significant growth over the forecast period. The regional growth can be attributed to the rising adoption of cutting-edge advanced technology to automate the insurance process, reduce operating costs, and improve efficiency.
• In August 2023, The Savings Bank Mutual Life Insurance Company of Massachusetts announced the launch of its new solution, AcceleRate. This innovative offering assures distribution partners and customers of rapid processing, dependability, and convenience, coupled with competitive rates on a range of term and whole life insurance products. The launch marks a significant advancement in the company's commitment to providing efficient and value-driven solutions in the insurance market.

Table of Contents

Chapter 1. Methodology and Scope

• 1.1. Market Segmentation & Scope
• 1.2. Market Definitions
• 1.3. Research Methodology
  • 1.3.1. Information Procurement
  • 1.3.2. Information or Data Analysis
  • 1.3.3. Market Formulation & Data Visualization
  • 1.3.4. Data Validation & Publishing
• 1.4. Research Scope and Assumptions
  • 1.4.1. List of Data Sources

Chapter 2. Executive Summary

• 2.1. Market Outlook
• 2.2. Segmental Outlook
• 2.3. Competitive Landscape Snapshot

Chapter 3. Market Variables, Trends, and Scope

• 3.1. Market Introduction/Lineage Outlook
• 3.2. Industry Value Chain Analysis
  • 3.2.1. Raw Material Outlook
  • 3.2.2. Manufacturing & Technology Trends
• 3.3. Market Dynamics
  • 3.3.1. Market Driver Impact Analysis
  • 3.3.2. Market Restraint Impact Analysis
  • 3.3.3. Market Opportunity Impact Analysis
• 3.4. Industry Analysis Tools
  • 3.4.1. Porter's Analysis
  • 3.4.2. PESTEL Analysis

Chapter 4. Term Insurance Market: Type Estimates & Trend Analysis

• 4.1. Segment Dashboard
• 4.2. Term Insurance Market: Type Movement Analysis, USD Billion, 2023 & 2030
• 4.3. Individual Level Term Life Insurance
  • 4.3.1. Individual Level Term Life Insurance Revenue Estimates and Forecasts, 2017 - 2030 (USD Billion)
• 4.4. Group Level Term Life Insurance
  • 4.4.1. Group Level Term Life Insurance Revenue Estimates and Forecasts, 2017 - 2030 (USD Billion)
• 4.5. Decreasing Term Life Insurance
  • 4.5.1. Decreasing Term Life Insurance Revenue Estimates and Forecasts, 2017 - 2030 (USD Billion)

Chapter 5. Term Insurance Market: Distribution Channel Estimates & Trend Analysis

• 5.1. Segment Dashboard
• 5.2. Term Insurance Market: Distribution Channel Movement Analysis, USD Billion, 2023 & 2030
• 5.3. Tied Agents & Branches
  • 5.3.1. Tied Agents & Branches Revenue Estimates and Forecasts, 2017 - 2030 (USD Billion)
• 5.4. Brokers
  • 5.4.1. Brokers Revenue Estimates and Forecasts, 2017 - 2030 (USD Billion)
• 5.5. Others
  • 5.5.1. Others Revenue Estimates and Forecasts, 2017 - 2030 (USD Billion)

Chapter 6. Term Insurance Market: Regional Estimates & Trend Analysis

• 6.1. Term Insurance Market: Regional Outlook
• 6.2. North America
  • 6.2.1. North America term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.2.2. U.S.
    • 6.2.2.1. U.S. term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.2.3. Canada
    • 6.2.3.1. Canada term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.2.4. Mexico
    • 6.2.4.1. Mexico term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• 6.3. Europe
  • 6.3.1. Europe term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.3.2. Germany
    • 6.3.2.1. Germany term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.3.3. UK
    • 6.3.3.1. UK term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.3.4. France
    • 6.3.4.1. France term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• 6.4. Asia Pacific
  • 6.4.1. Asia Pacific term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.4.2. China
    • 6.4.2.1. China term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.4.3. India
    • 6.4.3.1. India term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.4.4. Japan
    • 6.4.4.1. Japan term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.4.5. South Korea
    • 6.4.5.1. South Korea term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.4.6. Australia
    • 6.4.6.1. Australia term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• 6.5. Latin America
  • 6.5.1. Latin America term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.5.2. Brazil
    • 6.5.2.1. Brazil term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
• 6.6. MEA
  • 6.6.1. MEA term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.6.2. Kingdom of Saudi Arabia (KSA)
    • 6.6.2.1. Kingdom of Saudi Arabia (KSA) term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.6.3. UAE
    • 6.6.3.1. UAE term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)
  • 6.6.4. South Africa
    • 6.6.4.1. South Africa term insurance market estimates & forecasts, 2017 - 2030 (USD Billion)

Chapter 7. Competitive Landscape

• 7.1. Company Categorization
• 7.2. Participant's Overview
  • 7.2.1 MetLife Services and Solutions, LLC.
  • 7.2.2 Aegon Life Insurance Company Limited
  • 7.2.3 Prudential Financial, Inc.
  • 7.2.4 The Northwestern Mutual Life Insurance Company
  • 7.2.5 State Farm Mutual Automobile Insurance Company
  • 7.2.6 Massachusetts Mutual Life Insurance Company
  • 7.2.7 American International Group, Inc.
  • 7.2.8 Lincoln National Corporation
  • 7.2.9 John Hancock
  • 7.2.10 China Life Insurance (Overseas) Company Limited
  • 7.2.11 Bajaj Allianz Life Insurance Co. Ltd.
• 7.3. Financial Performance
• 7.4. Product Benchmarking
• 7.5. Company Market Positioning
• 7.6. Company Market Share Analysis, 2023
• 7.7. Company Heat Map Analysis
• 7.8. Strategy Mapping
  • 7.8.1. Expansion
  • 7.8.2. Collaborations
  • 7.8.3. Mergers & Acquisitions
  • 7.8.4. New Product Launches
  • 7.8.5. Partnerships
  • 7.8.6. Others