Gartner Research

U.S. Life Insurance CIOs Face Major Challenges Leveraging Insurance Exchanges

Published: 24 March 2014

ID: G00260229

Analyst(s): Steven Leigh


In their quest for individual life insurance sales, life insurers are looking to healthcare exchanges being rolled out in 2014 as a possible distribution channel. While the sales potential seems enticing, significant technology challenges must be overcome.

Table Of Contents
  • Impacts


  • Exchange Functions

Impacts and Recommendations

  • Healthcare exchanges are passive enrollment sites and do not allow insurers to promote or differentiate their products, forcing life insurance CIOs to deploy new sales software that will cause consumers to purchase life insurance
  • Healthcare exchanges are not ready for life insurance products, forcing life insurance CIOs to deploy IT systems and interfaces for their exchange partners with full functional capabilities to sell and service customers across the exchange

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