Group life pricing grows complex amid shifting mortality, medical, and workforce trends.
Trend 1:
“Peak 65” aging wave could raise premiums by up to 30%.
Older workforces pressure flat-rate plans; age-based pricing offers better stability.
Trend 2:
GLP-1 use surged 3% to 12%, reshaping chronic illness risks.
Trend 3:
Overdose deaths fell 24%, but long-term insurer optimism remains guarded.
