団体生命保険の市場規模、シェア、成長分析：補償タイプ別、団体サイズ別、産業部門別、地域別 - 産業予測、2025年～2032年

団体生命保険の世界市場規模は、2023年に1,581億米ドルと評価され、2024年の1,747億米ドルから2032年には3,883億2,000万米ドルに成長し、予測期間（2025-2032年）のCAGRは10.5％で成長する見通しです。

従業員の福利厚生と経済的安全性を高める方向に大きくシフトし、企業や機関への投資を促進団体生命保険この業界の成長は、保険プラットフォームのデジタル化の進展とリスク評価技術の向上によって促進されます。さらに、ウェルネスイニシアチブ、遠隔医療サービス、AIを活用したアンダーライティングの統合が市場拡大の起爆剤となっています。組織が従業員の定着と包括的な福利厚生パッケージを優先するにつれて、団体生命保険の需要は急増すると予想されます。マルチポリシーオプションの適応性とデジタル従業員管理ツールとの連携は、企業内で強固な保障戦略を展開する上で極めて重要です。また、団体生命保険は、福利厚生管理を効率化し、従業員保障に関連する財務リスクを軽減するための効果的なソリューションであると考える企業が増えています。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析
• ケーススタディ
• 顧客購買行動分析

団体生命保険の市場規模：補償タイプ別、CAGR（2025年～2032年）

• 市場概要
• 定期生命保険
• 終身生命保険
• ユニバーサル生命保険
• 変額生命保険

団体生命保険の市場規模：団体サイズ別、CAGR（2025年～2032年）

• 市場概要
• 小規模（従業員2～50名）
• 中規模（従業員51～100名）
• 大規模（従業員101名以上）

団体生命保険の市場規模：産業部門別、CAGR（2025年～2032年）

• 市場概要
• ヘルスケア
• 教育
• 政府
• 製造
• テクノロジー

団体生命保険の市場規模：保険料支払方法別、CAGR（2025年～2032年）

• 市場概要
• 月払い
• 四半期払い
• 年払い
• 一時払い

団体生命保険の市場規模：給付レベル別、CAGR（2025年～2032年）

• 市場概要
• 基本
• 拡張
• 追加

団体生命保険の市場規模：地域別、CAGR（2025年～2032年）

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022-2024年）

主要企業プロファイル

• Allianz
• Zurich Insurance Group
• Generali
• Sun Life Financial
• Nationwide Insurance
• AIA
• MetLife
• State Farm Insurance
• Prudential
• Manulife
• AXA

結論と提言

Global Group Life Insurance Market size was valued at USD 158.1 billion in 2023 and is poised to grow from USD 174.7 billion in 2024 to USD 388.32 billion by 2032, growing at a CAGR of 10.5% during the forecast period (2025-2032).

A significant shift towards enhancing employee well-being and financial security, driving investments in corporate and institutional group life insurance. The growth of this industry is fueled by advancing digitalization of insurance platforms and improved risk assessment technologies. Furthermore, the integration of wellness initiatives, telehealth services, and AI-enhanced underwriting is catalyzing market expansion. As organizations prioritize employee retention and comprehensive benefits packages, the demand for group life insurance is anticipated to surge. The adaptability of multi-policy options and alignment with digital employee management tools are pivotal in developing robust coverage strategies within companies. Additionally, businesses increasingly view group life insurance as an effective solution for streamlining benefits management and mitigating financial risks associated with employee coverage.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Group Life Insurance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Group Life Insurance Market Segments Analysis

Global Group Life Insurance Market is segmented by Type of coverage, Size of group, Industry sector, Premium payment method, Benefit level and region. Based on Type of coverage, the market is segmented into Term Life Insurance, Whole Life Insurance, Universal Life Insurance and Variable Life Insurance. Based on Size of group, the market is segmented into Small Groups (2-50 Employees), Medium Groups (51-100 Employees) and Large Groups (101+ Employees). Based on Industry sector, the market is segmented into Healthcare, Education, Government, Manufacturing and Technology. Based on Premium payment method, the market is segmented into Monthly, Quarterly, Annually and Single Premium. Based on Benefit level, the market is segmented into Basic Coverage, Enhanced Coverage and Supplemental Coverage. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Group Life Insurance Market

The Global Group Life Insurance market is driven by a growing emphasis among organizations to provide comprehensive employee benefit packages aimed at attracting and retaining top talent. Companies across diverse sectors, particularly in industries like IT, healthcare, and manufacturing, recognize the importance of including group life insurance as a vital component of their employee health and benefits offerings. This trend is especially prevalent in environments where talent acquisition is competitive, and employers are keen on fostering workforce stability. By including group life insurance in their benefits portfolio, organizations enhance their appeal to prospective employees while also supporting the well-being of their current workforce.

Restraints in the Global Group Life Insurance Market

The Global Group Life Insurance market faces a significant restraint due to the pricing disparity between large corporations and smaller enterprises. Larger organizations benefit from economies of scale, allowing them to secure more favorable premium rates. In contrast, smaller companies often face higher per-employee costs, which can discourage them from pursuing group life insurance options. This difference in affordability creates a barrier for small and medium-sized enterprises (SMEs), ultimately hindering growth opportunities within this segment of the market. As a result, the lack of accessible and competitive pricing can limit the overall expansion of group life insurance offerings for SMEs.

Market Trends of the Global Group Life Insurance Market

The Global Group Life Insurance market is experiencing a notable shift towards the integration of digital health and wellness initiatives, which enhances the value proposition for policyholders. Insurers are increasingly leveraging digital health tracking tools, telehealth services, and wellness incentive programs to not only engage employees but also to mitigate risks associated with poor health outcomes. By promoting healthier lifestyles among participants, companies aim to lower claims and improve overall satisfaction. This trend reflects a broader movement towards personalized insurance solutions, recognizing the importance of holistic health management as a critical component of employee benefits and organizational wellbeing.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Case Studies
• Customer Buying Behavior Analysis

Global Group Life Insurance Market Size by Type of coverage & CAGR (2025-2032)

• Market Overview
• Term Life Insurance
• Whole Life Insurance
• Universal Life Insurance
• Variable Life Insurance

Global Group Life Insurance Market Size by Size of group & CAGR (2025-2032)

• Market Overview
• Small Groups (2-50 Employees)
• Medium Groups (51-100 Employees)
• Large Groups (101+ Employees)

Global Group Life Insurance Market Size by Industry sector & CAGR (2025-2032)

• Market Overview
• Healthcare
• Education
• Government
• Manufacturing
• Technology

Global Group Life Insurance Market Size by Premium payment method & CAGR (2025-2032)

• Market Overview
• Monthly
• Quarterly
• Annually
• Single Premium

Global Group Life Insurance Market Size by Benefit level & CAGR (2025-2032)

• Market Overview
• Basic Coverage
• Enhanced Coverage
• Supplemental Coverage

Global Group Life Insurance Market Size & CAGR (2025-2032)

• North America (Type of coverage, Size of group, Industry sector, Premium payment method, Benefit level)
  • US
  • Canada
• Europe (Type of coverage, Size of group, Industry sector, Premium payment method, Benefit level)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Type of coverage, Size of group, Industry sector, Premium payment method, Benefit level)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Type of coverage, Size of group, Industry sector, Premium payment method, Benefit level)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Type of coverage, Size of group, Industry sector, Premium payment method, Benefit level)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Allianz
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich Insurance Group
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Generali
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sun Life Financial
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Nationwide Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AIA
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• MetLife
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• State Farm Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Prudential
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Manulife
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AXA
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations