Asia Insurance Product Trends: May – July 2025

At Actomate, we continuously track new product launches across Asia through our proprietary web scraping tool. Between May and July 2025, we observed a wave of innovation across savings, investment, and protection products across Hong Kong, Indonesia, Malaysia, and Singapore.

Here are the key trends that stood out:

• Capital protection and guaranteed returns remain a strong theme – ranging from early breakeven guarantees in Hong Kong to Singapore’s market-linked plans that still offer 100% capital guaranteed at maturity, insurers are balancing growth with downside protection.

• Flexibility for legacy and succession planning is becoming mainstream, with products allowing multiple insured changes, contingent insured arrangements, and even secondary life assured options to support intergenerational transfer.

• Lifestyle-oriented benefits are being embedded into protection products, extending beyond traditional coverage to include features such as device protection, gym membership refunds, or event-based payouts for life milestones.

• Strong bonus and reward structures in investment-linked plans (ILPs) – we see high initial bonuses, loyalty rewards, and performance-based enhancements becoming central to insurer propositions.

• Hybrid models in credit life and medical plans are emerging in Indonesia, with benefits that not only cover loans and medical costs but also provide additional payouts, showing a trend toward more holistic financial protection.

These developments highlight how insurers are adapting to evolving customer needs for security, flexibility, and lifestyle alignment and why keeping a close eye on evolving product features is critical for competitiveness.

At Actomate, we provide real-time product intelligence to help insurers, reinsurers, and distributors stay ahead of the market. Whether you’re designing new propositions or refining your product strategy, our insights can give you the edge.

Want to know what’s trending in your market? Let’s talk.

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