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市场调查报告书
商品编码
1884073
保险经纪市场规模、占有率、成长及全球产业分析:依类型、应用和地区划分的洞察,以及2024年至2032年的预测Insurance Brokerage Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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随着人口结构变化、数位转型以及保险意识的增强,消费者和企业的行为模式正在改变,全球保险经纪市场持续快速扩张。预计到2024年,该市场规模将达到1,148.9亿美元,到2025年将达到1,253.6亿美元。预计到2032年,该市场将进一步成长至2,361.4亿美元,在整个预测期内维持9.5%的复合年增长率。北美地区凭藉其先进的保险生态系统、日益增长的网路风险以及数位化经纪平台的快速普及,在2024年占了37.24%的市场占有率,引领着市场发展。
保险经纪人作为客户与保险公司之间的中介,提供涵盖所有保险产品的公正咨询服务,包括人寿保险、健康保险、财产和意外保险、商业保险以及网路保险。与代表特定保险公司的代理人不同,经纪人独立运营,专注于满足客户的需求。 Marsh & McLennan、Aon 和 Willis Towers Watson 等全球领导者利用分析技术、扩展的产品组合和以咨询为导向的商业模式,巩固其在国际市场的竞争地位。
市场动态
市场驱动因素
人口成长和老化是影响最大的驱动因素之一,尤其是在已开发国家。老化增加了对人寿保险、健康保险和退休保险的需求,也增加了寻求专家就复杂保险政策结构提供建议的人数。根据联合国 "世界人口展望" (2024 年),预计到 2030 年,全球人口将达到 85 亿,这将扩大保险经纪人的客户群。财务规划意识的增强、小型企业活动的扩张以及保险法规的不断演变,也都在推动市场成长。
市场限制因子
儘管成长势头强劲,但对传统保险代理人的依赖仍然限制了规模化和数位化应用。在东南亚部分地区和印度等地,人工核准保单仍需要人工流程,导致核保程序较为缓慢。这种依赖使得经纪人无法提供即时、高效的数位体验,在保险科技应用加速发展的市场中处于劣势。
市场机会
消费者和企业保险意识的提高带来了巨大的机会。日益增长的网路威胁推动了网路保险需求的成长,促使企业寻求经纪人提供更专业的解决方案。 Lemonade等技术驱动型平台的出现表明,透明的数位保险正在改变消费者的预期。 "平价医疗法案" (ACA)等监管措施进一步促使个人寻求经纪人的协助,以确保合规并选择合适的保单。
市场趋势
影响市场的关键趋势是车辆保有量的快速成长,这推动了对汽车和商用车保险需求的增加。将保险融入汽车销售管道正变得越来越普遍。根据印度汽车製造商协会 (SIAM) 预测,印度汽车市场在 2023 财年预计将成长 12.5%,而美国 2024 年的汽车销量将达到 147 万辆,年增 1.4%。这种稳定成长直接促进了经纪业务的发展。
另一个变革性趋势是生成式人工智慧 (AI) 的日益普及,它能够提供高度个人化的保险方案。例如,Lemonade 于 2024 年推出了用于即时定价和客製化保单设计的生成式 AI,这预示着经纪业务自动化的未来发展方向。
依细分市场分析
依经纪商类型
2024年,零售经纪业务引领市场,主要得益于市场对健康险、人寿险、车险和房屋险的强劲需求。金融素养的提高和数位化进程的推进,尤其是在印度的三线城市,加速了零售经纪业务的扩张。
受气候风险、网路安全事件和资本管理需求的驱动,再保险经纪业务预计将实现最快成长。
依保险类型
2024年,人寿和健康险业务引领市场,这得益于金融科技合作带来的保费分期付款选项和经济实惠的分期付款方式(EMI)。在全球网路犯罪日益猖獗的背景下,网路保险预计将呈现最高的成长率。
依销售管道划分
2024年,离线通路仍占最大占有率,因为消费者更倾向于面对面咨询复杂的保险政策。然而,由于数位比价工具和嵌入式保险平台的广泛应用,预计线上管道将成长最快。
依最终使用者划分
2024年,由于数位平台的兴起使得保险产品比较更加便捷,B2C领域将占主导地位。同时,随着企业在高度监管的环境下开始寻求专业的风险咨询服务,预计B2B领域也将快速扩张。
北美 - 427.9亿美元(2024)
北美市场领先,主要得益于数位保险工具的广泛应用、网路风险咨询服务的扩展,以及个人和企业对客製化保险的强劲需求。
欧洲
由于对ESG相关保险、网路保险以及中小企业的经纪解决方案的兴趣日益浓厚,预计欧洲市场将保持稳定成长。
亚太地区
由于人口成长、保险渗透率低以及保险科技的普及,预计印度、中国和印尼将实现最高的复合年增长率。
中东和非洲
成长的推动力包括不断提高的保险意识、强制性医疗保险以及沙乌地阿拉伯 "2030愿景" 等措施。
南美洲
经济状况的復苏和气候风险管理的进步正在推动对保险和经纪服务的需求。
The global insurance brokerage market continues to expand rapidly as demographic shifts, digital transformation, and rising insurance awareness reshape consumer and business behavior. The market was valued at USD 114.89 billion in 2024, is projected to reach USD 125.36 billion in 2025, and is expected to surge to USD 236.14 billion by 2032, reflecting a strong CAGR of 9.5% throughout the forecast period. North America, with a dominant 37.24% share in 2024, leads due to advanced insurance ecosystems, rising cyber risks, and accelerating adoption of digital brokerage platforms.
Insurance brokerage acts as an intermediary between customers and insurance carriers, offering unbiased advisory services across life, health, property, commercial, and cyber insurance products. Unlike agents who represent specific insurers, brokers operate independently, focusing solely on client needs. Global leaders such as Marsh & McLennan, Aon, and Willis Towers Watson leverage analytics, expanded product portfolios, and advisory-driven models to strengthen competitiveness across international markets.
Market Dynamics
Market Drivers
One of the most influential drivers is the growing population and aging demographics, particularly in developed countries. An aging population increases demand for life, health, and retirement insurance, pushing individuals to seek expert guidance for complex policy structures. According to the UN World Population Prospects 2024, the global population is expected to reach 8.5 billion by 2030, expanding the customer base for insurance brokers. Rising awareness of financial planning, growing SME activity, and evolving insurance regulations also support market growth.
Market Restraints
Despite strong momentum, reliance on traditional insurance agents continues to limit scalability and digital adoption. Regions such as parts of Southeast Asia and India still require manual policy approvals, slowing the onboarding process. Such dependence restricts brokers from providing instant, digitally streamlined experiences-putting them at a disadvantage in markets where InsurTech adoption is accelerating.
Market Opportunities
Rising insurance awareness among consumers and businesses presents significant opportunities. Growing demand for cyber insurance, driven by rising digital threats, encourages organizations to engage brokers for more specialized solutions. The emergence of tech-driven platforms such as Lemonade demonstrates how transparent digital insurance is reshaping consumer expectations. Regulatory initiatives like the U.S. Affordable Care Act further push individuals toward brokers for compliance and policy selection.
Market Trends
A major trend influencing the market is the surge in automobile adoption, increasing demand for auto and commercial vehicle insurance. Embedding insurance within automotive sales channels is becoming common. According to SIAM, India's automotive market recorded 12.5% growth in FY2023, while U.S. vehicle sales reached 1.47 million units in 2024, rising 1.4% year-over-year. This steady growth directly boosts brokerage activity.
Another transformative trend is the rising adoption of Generative AI, enabling hyper-personalized policy recommendations. For example, in 2024, Lemonade began using Gen-AI for instant pricing adjustments and custom policy design, signaling the future direction of brokerage automation.
Segmental Analysis
By Broker Type
The retail brokerage segment dominated 2024 due to high demand for health, life, motor, and home insurance. Increased financial literacy and digital adoption, particularly across India's Tier-3 cities, accelerated retail broker engagement.
The reinsurance brokerage segment is expected to grow fastest, driven by climate risks, cyber incidents, and capital management needs.
By Insurance Type
The life and health insurance segment led in 2024, supported by premium financing options and fintech partnerships enabling affordable EMIs. Cyber insurance is expected to grow at the highest rate as cybercrime escalates globally.
By Distribution Channel
The offline channel held the largest share in 2024 as consumers preferred face-to-face consultations for complex policies. The online segment, however, will grow fastest as digital comparison tools and embedded insurance platforms gain popularity.
By End User
The B2C segment dominated 2024 due to rising digital platforms enabling easy policy comparison. The B2B segment will expand rapidly as businesses seek specialized risk advisory services in regulatory-heavy environments.
North America - USD 42.79 Billion (2024)
North America leads due to high penetration of digital insurance tools, expansion of cyber risk advisory services, and strong demand for personalized coverage across personal and commercial segments.
Europe
Europe grows steadily owing to increased interest in ESG-linked insurance, cyber coverage, and SME-focused brokerage solutions.
Asia Pacific
Expected to grow at the highest CAGR, driven by rising populations, low insurance penetration, and expanding InsurTech adoption across India, China, and Indonesia.
Middle East & Africa
Growth is fueled by rising insurance awareness, health coverage mandates, and initiatives such as Saudi Vision 2030.
South America
Recovery in economic conditions and climate risk management increases demand for insurance and brokerage services.
Conclusion
With strong growth from USD 114.89 billion in 2024 to USD 125.36 billion in 2025, and a projected USD 236.14 billion by 2032, the insurance brokerage market is positioned for sustained expansion. Digital transformation, regulatory shifts, rising cyber risks, and evolving consumer expectations will continue reshaping global brokerage dynamics through 2032.
Segmentation By Broker Type
By Insurance Type
By Distribution Channel
By End User
By Region
Companies Profiled in the Report * Marsh & McLennan Companies (U.S.)