The net operating surplus in the US insurance, reinsurance, and pension funding sector is forecasted to grow steadily from 2024 to 2028. In 2023, the value stood at 191 billion USD, marking a solid base from which future projections show consistent year-on-year increases. From 2024 to 2025, the growth is expected to be 2.08%, while a 2.00% increase is projected for 2026, continuing with 1.92% in 2027, and reaching 1.84% by 2028. Over the five-year forecast period, the compound annual growth rate (CAGR) stands at approximately 2.00%.

Future trends to watch include:

Technological advancements in risk assessment and management that may influence cost efficiency and profitability
Regulatory changes, particularly those affecting solvency standards and consumer protection measures
Impact of global economic conditions on investment portfolios linked to insurance and pension funds