It has been proven by several thinkers including Jacques Attali, the former adviser to former French President François Mitterrand that the world of tomorrow will focus more on safety and leisure. According to them, industries in full expansion which will absorb a large part of the investments will be leisure industries and security industries. Our great-grandchildren will want to be assured and reassured to take pleasure of life. Insurance will be one of those sectors that will monopolize all the confidence of the world to come. Faced with this reality, insurance is accelerating its digitization. Insurance companies have struggled to adapt to this new way of working, which has imposed on companies by the health crisis. Attendance at the office was replaced by a virtual presence. The need to digitize has shown how insurance companies are marked by an absence of a digital culture. DNA insurance being the maintenance of the link between the insurer and the insured - this obliges assurances of flexibility to better adapt to new work requirements in order to ensure its appointment with the future which already looks promising. Even if the historical culture of insurance can be an obstacle to digitalization, the health crisis has shaken up insurance habits. To stay at work he has had to multiply digital channels with customers. And this "revolution" in the insurance was able to maintain a good quality of service and attention. It's about a"revolution" in the evolution well assumed and accelerated but which raises the question of the place reserved for the unique relationship between the insurer and the insured. The claim relationship remains at the heart of communication in the offices of the insurance and therefore it is very difficult to brush it aside because to keep it intact, human contact is mandatory. To digitize their modes of communication, the insurance companies had to deeply take into account their particular aspect of communication. In a way, it's not all customer requests that require a strong relationship with insurance but for other types of requests that may be more serious, a simple chatbot is not enough. Should we therefore ignore the digitization of insurance by asserting that it is not simply not sufficient to maintain a perfect relationship-insured and insurer- and efficient? It would be risky to engage in this direction, especially since, according to one EY study, nearly 80% of consumers choose to interact with their insurance through digital channels. To give you an example, there is few years, the agency and its adviser had a central place but the role has now changed and supports services already offered online. For everything summary, it is quite clear that the network of insurance agencies will not increase in numbers but what is more interesting to keep in mind, regardless of theirnumber,it is their interest to establish and consolidate a real relationship of trust with the insured. The insurance sector being acclaimed as one of the branches of the insurance industry safety which will be part of the consumer goods of the future on the planet,it goes without saying that the sector is highly competitive and therefore stimulates innovation. For the world of insurance everyone is jostling, it seems that it there is no going back. And therefore its openly competitive character necessarily drives a race for innovation. Proposals of offers ever more targeted and attractive from a pricing perspective in order to reduce costs and improve its competitiveness are available. In this universe of competition, companies tend to offer services and products adapted to each customer. This is called personalization. customer relationship. And so thanks to artificial intelligence and databases, the hyper-personalization of the customer relationship is possible. This allows customers to live a unique experience. Insurance companies have adopted a strategy centered around the hyper- personalization of the insurance and insured relationship. Of course hyper-personalization is not a the only way to transform the sector, it places the improvement of the customer relationship. This leads to an automation of the greatest number of tasks, which implies more professions, sometimes new professions in insurance. The insurance industry is going through a huge moment of change. The CEOs have a role in pushing for strong support for the digitalization process. This process must be permanent even if it is demanding.
