Individual life insurers are modernizing their technology stacks to improve underwriting-to-issue speed, strengthen operational controls, and elevate digital experiences for advisors and policyholders. Yet legacy platforms, technical debt, and integration complexities continue to absorb a meaningful share of technology capacity and funding, making execution predictability and measurable value increasingly decisive in platform selection.
This Voice of the Customer report provides a fact-based view of how insurers are prioritizing investments and shaping near-term and next-era technology agendas. It highlights where enterprises are directing spend, the top constraints in current estates, and the commercial constructs buyers increasingly expect. It also synthesizes the forward-looking themes reshaping individual life platforms: agentic AI, digital evidence, composable cores, and governance-led trust.
Based on structured enterprise feedback, this report benchmarks satisfaction and provider performance across six technology categories and five evaluation parameters per category. For each category, the report covers evaluation scope, provider selection factors and refresh cadence, future roadmaps, satisfaction benchmarks, and provider profiles, enabling both insurers and providers to identify priority capability gaps and differentiation opportunities.
