How Falling Birth Rates Reshape the Insurance Industry

Episode 53 of The Demographics Podcast explores how declining birth rates and an aging population are reshaping the insurance industry. Lucas and Luna examine a specific case: life insurance pricing in Japan, where annual premiums have dropped 30 percent over the past decade as insurers pivot toward annuity products. They discuss how the shift from term life to retirement income products is reshaping balance sheets, distribution channels, and underwriting models. The hosts also touch on how U.S. insurers like MetLife are adapting, with a concrete look at the $50 billion market for longevity-linked products. A focused, numbers-driven conversation about demographic risk and financial innovation. #DemographicsPodcast #FallingBirthRates #InsuranceIndustry #LifeInsurance #Annuities #LongevityRisk #JapanInsurance #MetLife #RetirementIncome #Underwriting #DemographicShift #AgingPopulation #Economics #FinancialServices #InsurancePricing #RiskManagement #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo