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Will organisations in the year 2045 employ mostly gig workers? Will they provide portable employee benefits credits and offer support to workers for services like gender reassignment? Will personalised healthcare, tailored to each individual’s genetic makeup, improve employee health and increase productivity? These are just some of the issues explored in our new discussion paper, “2045: the future of work – the changing face of employee benefits.”

The paper leads with a vision of the employee benefits market in the future, explored through the experiences of four employees working for the fictional company ‘Autolec’ in the year 2045. This innovative approach brings into focus future challenges facing global multinationals and their employees, serving as a model to explore anticipated market developments for employee benefits over the next 25 years.

Download the paper here

The paper draws on the expertise of the MAXIS Data & Digital Innovation Lab, which focuses on exploring employee benefits and insurtech trends and developing innovative data and digital solutions for multinationals. The paper extrapolates current trends and builds out on first-hand experiences shared by multinationals, local insurers and leading consultants. 

Key trends explored include:

  1. A flexible future: how and where we work – global multinationals will need to cater for the evolving needs and wants of employees when planning their benefits packages and the trend for remote and flexible working cannot be ignored. The paper looks at the impacts of the gig economy and the rise of fully portable benefits, which rather than being tied to an employer are linked to an individual and taken from job to job without a loss of funding or coverage, with multiple employers paying into it at the same time.   
  2. The future of healthcare – the paper explores the potential for personalised medicine and bespoke medical interventions for individuals based on their genetic profile. In addition, it discusses the widening scope of medical coverage such as gender reassignment, fertility and mental health provision.  
  3. Insurtech innovations shaping the future of employee benefits – analysing the growth of artificial intelligence (AI) and blockchain, the automation of manual processes, speeding up of data analytics and service improvements.  It also looks at developments in parametric insurance, when insurance pay-outs are automatically triggered by an event exceeding an index level. 
  4. The changing role of employers – the report looks at the expanded role of employers and the potential trend of taking a wider role as the scope of state or governmental support reduces. 


Helga Viegas, Director, Digital and Innovation, MAXIS GBN, commented: “This paper transports employers into a not too distant future and confronts them with a new status quo. We’re taking the trends we’re seeing now – fast technological changes, AI and automation, new skills and roles emerging, lifestyle changes from an “always on” culture, gig working patterns – and projecting how they will impact workers and employee benefits in the future. As technology enables more personalisation and flexibility than ever before, the benefits employers provide need to be just as tailored. There are lots of challenges from a commercial, regulatory and technological perspective to arrive where we need to be, but overall we want to present an optimistic look at how the world of work and EB might change.”

Mauro Dugulin, Chief Executive Officer, MAXIS GBN, said: “25 years ago Google hadn’t been founded and the internet had yet to become mainstream, which shows how rapidly the world has changed. Global multinationals must constantly anticipate new developments if they wish to recruit and retain the best talent. We believe that a benefits package that engages employees, keeps them healthy and supports them when they need it will continue to be as crucial for business success as it is today, if not even more. It’s now up to employers and benefits providers to take on the challenge and develop the EB package of the future.”

For media enquiries please contact
Charlotte Pascal / Hugh Fasken
Citigate Dewe Rogerson – +44 (0)20 7025 6421; [email protected] 
This document has been prepared by MAXIS GBN and is for informational purposes only – it does not constitute advice.  MAXIS GBN has made every effort to ensure that the information contained in this document has been obtained from reliable sources, but cannot guarantee accuracy or completeness.  The information contained in this document may be subject to change at any time without notice.  Any reliance you place on this information is therefore strictly at your own risk. 
About MAXIS GBN MAXIS Global Benefits Network (MAXIS GBN), co-founded by MetLife and AXA in 1998 is one of the leading international employee benefits networks providing global service capabilities and delivering world-class employee benefits perspectives and solutions to clients in over 120 markets around the world. In February 2016, MetLife and AXA further strengthened their relationship by combining all of its MAXIS GBN existing operations under a joint venture company. This transformation helps leverage the existing strength of the network and its two parent companies while further enhancing the client experience, focusing on product innovation and providing data analytics. For more information, please visit
The MAXIS Global Benefits Network (“Network”) is a network of locally licensed MAXIS member insurance companies (“Members”) founded by AXA France Vie, Paris, France (AXA) and Metropolitan Life Insurance Company, New York, NY (MLIC). MAXIS GBN, registered with ORIAS under number 16000513, and with its registered office at 313, Terrasses de l’Arche – 92 727 Nanterre Cedex, France, is an insurance and reinsurance intermediary that promotes the Network. MAXIS GBN is jointly owned by affiliates of AXA and MLIC and does not issue policies or provide insurance; such activities are carried out by the Members. MAXIS GBN operates in the UK through UK establishment with its registered address at 1st Floor, The Monument Building, 11 Monument Street, London EC3R 8AF, Establishment Number BR018216 and in other European countries on a services basis. MAXIS GBN operates in the U.S. through MetLife Insurance Brokerage, Inc., with its address at 1095 Avenue of the Americas, NY, NY, 10036, a NY licensed insurance broker. MLIC is the only Member licensed to transact insurance business in NY. The other Members are not licensed or authorised to do business in NY and the policies and contracts they issue have not been approved by the NY Superintendent of Financial Services, are not protected by the NY state guaranty fund, and are not subject to all of the laws of NY.