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2018 Integrated Report: Building the future of insurance

The future of insurance

Thomas Buberl

Chief Executive Officer of AXA

I am convinced our sector has great potential! The ongoing changes our society is experiencing are a great opportunity for insurance companies that are capable to meet new protection needs. To do so as best as possible, we are undergoing a deep transformation. This has driven every action we undertook in 2018 and what I share through 7 editorials.

Being useful

AXA experienced strong growth in three key segments for its business: commercial lines property & casualty insurance, health insurance, and protection. These segments each offer enormous potential for innovation and interaction with its customers, in line with “Payer to Partner” strategy.

P&C Commercial lines

Property & casualty insurance offers companies greater peace of mind to develop their business and invest in their future by covering them against any damage they may suffer or cause.

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Protection

Protection policies shield people from life risks and guarantee a safe future for their families.

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Health insurance

Health insurance offers beneficiaries partial or total financial support to pay for medical expenses.

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Insuring every future

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Covering current and future risks

AXA’s mission is to enable customers – both individuals and companies – to live a better life. To this end, the Group must be able to protect its customers against immediate risks, anticipate risks that could impact society in five or ten years, and look even further ahead at weak signals of the potential new challenges and new lifestyles to insure.
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Designing solutions for the future

As a day-to-day partner for its customers, AXA aims to bring helpful new services that are attuned to their current and future lifestyles. To achieve this ambition, the Group implements an innovation strategy focused on customer needs, which pushes it to continually enhance its insurance value proposition and simplify the customer experience.
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Playing a positive role

Through its expertise and its economic and social role, the insurance sector can make an important contribution to meeting the major challenges of our times. AXA was one of the first companies to commit to a responsible investment and underwriting strategy.
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Sustainable value creation

The value created by AXA cannot be measured simply in financial terms. We use capital to generate not only financial wealth, but also human, social and societal benefits. AXA considers its value chain through the eyes of its stakeholders to better understand how its products, services, investments and practices create long-term value for society.

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Nurturing a constructive dialogue

AXA has built close ties with its stakeholders to gain a wider understanding of society’s challenges and needs. Regular discussions with these different audiences enable the Group to pursue a continuous improvement approach.

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