米国の団体定期保険の世界市場：市場規模・シェア・動向分析 (流通チャネル別・主要企業別)、セグメント別予測 (2025年～2030年)

米国の団体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、米国の団体定期保険市場規模は2030年までに105億7,000万米ドルに達し、2025年から2030年までのCAGRは6.5%で拡大すると推定されています。

保険会社は、引受プロセスをより迅速かつ効率的にし、消費者がよりアクセスしやすくするために、テクノロジーを取り入れ、プロセスをデジタル化しています。その結果、企業が団体定期保険を購入しやすくなり、市場にプラスの影響を与えています。

競争の激しい今日の保険市場において、保険会社は競合他社との差別化を図り、顧客に価値を提供する方法を絶えず模索しています。その方法の一つが、消費者のニーズの変化に対応した新商品の導入です。これには、カスタム型保障オプション、柔軟な支払い体系、付加価値サービスなどが含まれます。

2020年5月、ガーディアン・ライフ・インシュアランス・カンパニー・オブ・アメリカは、ガーディアンの平準定期保険に新機能を導入しました。この特約により、契約者は生命保険金の一部を好きな慈善団体に寄付することができます。この特約により、契約者は大切な人のために資金を提供しながら、自分が関心を寄せる活動を支援することができます。

COVID-19の大流行は市場に大きな影響を与えました。多くの企業が、優秀な人材を引き付け、維持するために包括的な福利厚生を提供することの重要性に気づき、団体定期保険はますます人気のある選択肢となっています。この福利厚生を提供する企業が増えるにつれて、団体定期保険の需要も増加し、市場の成長につながっています。

米国の団体定期保険市場：分析概要

• 提携代理店・支店セグメントが2024年に55.3％の最大シェアを占めています。代理店や支店は、市場で高い評価を得ている既存の保険会社と提携していることが多いです。これは顧客との信頼関係を築くのに役立ち、顧客は自分が認知し、信頼している会社から保険契約を購入する可能性が高くなります。
• ブローカー・セグメントは、予測期間中最も速いペースで成長すると予想されます。ブローカーは幅広い保険契約や保険会社にアクセスできるため、競争力のある価格で最良の補償オプションを見つけることができます。そのため、ブローカーは従業員向けの団体定期保険を求める多くの企業にとって好ましい選択肢となっています。
• 市場参入企業は、革新的な商品や技術を導入し、販売チャネルを拡大し、他の企業と提携して市場シェアを拡大することで、米国の団体定期保険市場を牽引しています。加えて、各企業は競争力のある価格設定、柔軟な保障オプション、顧客の進化するニーズに応えるカスタム型ソリューションを提供しています。

目次

第1章 分析方法・範囲

第2章 エグゼクティブサマリー

第3章 米国の団体定期保険市場：変動要因・傾向・範囲

• 市場連関の見通し
• 市場力学
  • 市場促進要因の分析
  • 市場抑制要因の分析
  • 業界の課題
• 米国の団体定期保険市場：分析ツール
  • 業界分析：ポーターのファイブフォース分析
  • PESTEL分析

第4章 米国の団体定期保険市場：流通チャネル別の推定・動向分析

• セグメントダッシュボード
• 米国の団体定期保険市場：変動分析、流通チャネル別 (2024年・2030年)
• 提携代理店・支店
• ブローカー
• その他

第5章 競合情勢

• 企業分類
• 企業の市場ポジショニング
• 企業ヒートマップ分析
• 企業プロファイル/上場企業
  • MetLife
  • Prudential Financial, Inc.
  • Lincoln National Corporation
  • Unum Group
  • New York Life Insurance Company
  • Voya Services Company
  • United Healthcare Services, Inc.
  • Securian Financial Group, Inc.
  • Reliance Standard Life Insurance Co.
  • The Guardian Life Insurance Company of America

List of Tables

• Table 1 U.S. Group Level Term Insurance market size estimates & forecasts 2018 - 2030 (USD Million)
• Table 2 U.S. Group Level Term Insurance market, by Distribution Channel 2018 - 2030 (USD Million)
• Table 3 U.S. Group Level Term Insurance market, by Tied Agents and Branches, by region 2018 - 2030 (USD Million)
• Table 4 U.S. Group Level Term Insurance market, by Brokers, by region 2018 - 2030 (USD Million)
• Table 5 U.S. Group Level Term Insurance market, by other distribution channel, by region 2018 - 2030 (USD Million)

List of Figures

• Fig. 1 U.S. Group Level Term Insurance market segmentation
• Fig. 2 Market research process
• Fig. 3 Information procurement
• Fig. 4 Primary research pattern
• Fig. 5 Market research approaches
• Fig. 6 Value chain-based sizing & forecasting
• Fig. 7 Parent market analysis
• Fig. 8 Market formulation & validation
• Fig. 9 U.S. Group Level Term Insurance market snapshot
• Fig. 10 U.S. Group Level Term Insurance market segment snapshot
• Fig. 11 U.S. Group Level Term Insurance market competitive landscape snapshot
• Fig. 12 Market research process
• Fig. 13 Market driver relevance analysis (Current & future impact)
• Fig. 14 Market restraint relevance analysis (Current & future impact)
• Fig. 15 U.S. Group Level Term Insurance market, Distribution Channel outlook key takeaways (USD Million)
• Fig. 16 U.S. Group Level Term Insurance market, Distribution Channel movement analysis, 2024 & 2030 (USD Million)
• Fig. 17 Tied Agents and Branches market revenue estimates and forecasts, 2018 - 2030 (USD Million)
• Fig. 18 Brokers market revenue estimates and forecasts, 2018 - 2030 (USD Million)
• Fig. 19 Others market revenue estimates and forecasts, 2018 - 2030 (USD Million)
• Fig. 20 Strategy framework
• Fig. 21 Company Categorization

U.S. Group Level Term Insurance Market Growth & Trends:

The U.S. group level term insurance market size is estimated to reach USD 10.57 billion by 2030, expanding at a CAGR of 6.5% from 2025 to 2030, according to a new report by Grand View Research, Inc. Insurers are incorporating technology and digitizing their processes to make the underwriting process faster, more efficient, and more accessible to consumers. This has made it easier for businesses to purchase group term insurance policies, positively impacting the market.

In today's competitive insurance market, insurers continuously seek ways to differentiate themselves from their competitors and provide value to their customers. One way they are doing this is by introducing new products that meet the changing needs of consumers. This includes customized coverage options, flexible payment structures, and value-added services.

In May 2020, The Guardian Life Insurance Company of America introduced a new feature in its Guardian's level term life insurance, a charitable benefit rider that is built into the policy. This rider allows policyholders to donate a portion of their life insurance proceeds to a charity of their choice. It enables them to support causes they care about while still providing for their loved ones.

The COVID-19 pandemic has significantly impacted the market. Many businesses realized the importance of offering comprehensive employee benefits to attract and retain top talent, and group-level term insurance is becoming an increasingly popular option. With more companies offering this benefit, the demand for group-level term insurance policies is also increasing, leading to growth in the market.

U.S. Group Level Term Insurance Market Report Highlights:

• The tied agents and branches segment accounted for the largest share of 55.3% in 2024. Agents and branches are often affiliated with established insurance companies that have a strong reputation in the market. This helps to build trust with customers, who are more likely to purchase insurance policies from companies they recognize and trust.
• The brokers segment is expected to grow at the fastest rate over the forecast period. Brokers have access to a broad range of insurance policies and carriers, which allows them to find the best coverage options at competitive prices. This makes them a preferred choice for many businesses seeking group term life insurance for their employees.
• Market players are driving the U.S. group level term insurance market by introducing innovative products and technologies, expanding their distribution channels, and partnering with other players to increase their market share. In addition, players are offering competitive pricing, flexible coverage options, and customized solutions to meet the evolving needs of customers.

Table of Contents

Chapter 1. Methodology and Scope

• 1.1. Market Segmentation and Scope
• 1.2. Research Methodology
  • 1.2.1. Information Procurement
• 1.3. Information or Data Analysis
• 1.4. Methodology
• 1.5. Research Scope and Assumptions
• 1.6. Market Formulation & Validation
• 1.7. List of Data Sources

Chapter 2. Executive Summary

• 2.1. Market Outlook
• 2.2. Segment Outlook
• 2.3. Competitive Insights

Chapter 3. U.S. Group Level Term Insurance Market Variables, Trends, & Scope

• 3.1. Market Lineage Outlook
• 3.2. Market Dynamics
  • 3.2.1. Market Driver Analysis
  • 3.2.2. Market Restraint Analysis
  • 3.2.3. Industry Challenge
• 3.3. U.S. Group Level Term Insurance Market Analysis Tools
  • 3.3.1. Industry Analysis - Porter's
    • 3.3.1.1. Bargaining power of the suppliers
    • 3.3.1.2. Bargaining power of the buyers
    • 3.3.1.3. Threats of substitution
    • 3.3.1.4. Threats from new entrants
    • 3.3.1.5. Competitive rivalry
  • 3.3.2. PESTEL Analysis
    • 3.3.2.1. Political landscape
    • 3.3.2.2. Economic and social landscape
    • 3.3.2.3. Technological landscape

Chapter 4. U.S. Group Level Term Insurance Market: Distribution Channel Estimates & Trend Analysis

• 4.1. Segment Dashboard
• 4.2. U.S. Group Level Term Insurance Market: Distribution Channel Movement Analysis, 2024 & 2030 (USD Million)
• 4.3. Tied Agents and Branches
  • 4.3.1. Tied Agents and Branches Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
• 4.4. Brokers
  • 4.4.1. Brokers Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)
• 4.5. Others
  • 4.5.1. Others Market Revenue Estimates and Forecasts, 2018 - 2030 (USD Million)

Chapter 5. Competitive Landscape

• 5.1. Company Categorization
• 5.2. Company Market Positioning
• 5.3. Company Heat Map Analysis
• 5.4. Company Profiles/Listing
  • 5.4.1. MetLife
    • 5.4.1.1. Participant's Overview
    • 5.4.1.2. Financial Performance
    • 5.4.1.3. Product Benchmarking
    • 5.4.1.4. Strategic Initiatives
  • 5.4.2. Prudential Financial, Inc.
    • 5.4.2.1. Participant's Overview
    • 5.4.2.2. Financial Performance
    • 5.4.2.3. Product Benchmarking
    • 5.4.2.4. Strategic Initiatives
  • 5.4.3. Lincoln National Corporation
    • 5.4.3.1. Participant's Overview
    • 5.4.3.2. Financial Performance
    • 5.4.3.3. Product Benchmarking
    • 5.4.3.4. Strategic Initiatives
  • 5.4.4. Unum Group
    • 5.4.4.1. Participant's Overview
    • 5.4.4.2. Financial Performance
    • 5.4.4.3. Product Benchmarking
    • 5.4.4.4. Strategic Initiatives
  • 5.4.5. New York Life Insurance Company
    • 5.4.5.1. Participant's Overview
    • 5.4.5.2. Financial Performance
    • 5.4.5.3. Product Benchmarking
    • 5.4.5.4. Strategic Initiatives
  • 5.4.6. Voya Services Company
    • 5.4.6.1. Participant's Overview
    • 5.4.6.2. Financial Performance
    • 5.4.6.3. Product Benchmarking
    • 5.4.6.4. Strategic Initiatives
  • 5.4.7. United Healthcare Services, Inc.
    • 5.4.7.1. Participant's Overview
    • 5.4.7.2. Financial Performance
    • 5.4.7.3. Product Benchmarking
    • 5.4.7.4. Strategic Initiatives
  • 5.4.8. Securian Financial Group, Inc.
    • 5.4.8.1. Participant's Overview
    • 5.4.8.2. Financial Performance
    • 5.4.8.3. Product Benchmarking
    • 5.4.8.4. Strategic Initiatives
  • 5.4.9. Reliance Standard Life Insurance Co.
    • 5.4.9.1. Participant's Overview
    • 5.4.9.2. Financial Performance
    • 5.4.9.3. Product Benchmarking
    • 5.4.9.4. Strategic Initiatives
  • 5.4.10. The Guardian Life Insurance Company of America
    • 5.4.10.1. Participant's Overview
    • 5.4.10.2. Financial Performance
    • 5.4.10.3. Product Benchmarking
    • 5.4.10.4. Strategic Initiatives