Agency distribution continues to be the main distribution channel for life insurance across Asia. However, traditional agency compensation models that rely heavily on large first-year commissions (FYC) are creating challenges such as low agent activation, weak customer persistency, and shrinking margins.

Developed markets are facing structural headwinds, such as affordability constraints, pricing reform, as demographic saturation and slower volume growth are limiting expansion and resulting a moderating growth rate. In contrast, emerging markets are entering a phase of healthcare formalization and access expansion driven by rising chronic disease burden and government prioritization of pharmaceuticals

Middle East industries are facing rising disruption across supply chains, operations, and liquidity. Alvarez & Marsal’s latest report outlines immediate actions to stabilize performance and build long-term resilience.

Alvarez & Marsal was featured in Financial News, highlighting the firm’s continued global expansion and its commitment to talent development in parallel.