Seguro de vida no Brasil: cenário atual e possibilidades de desenvolvimento

Abstract

The insurance sector is an important instrument in Brazil and in the world, moving the economy and playing a relevant role for society. The risks of natural disasters, human actions and the end of life are determining factors in the search for an insurance contract. Its main function is to repair the insured, always seeking security for the beneficiary of the contract. The branch related to life has become increasingly relevant. Unlike the branch related to material damage, in which the insurance covers situations that may occur, but for which there is no certainty of their occurrence, lifetime life insurance covers a certain event of an uncertain date. The insured person, when contracting protection related to life, is aware that the objective is to protect the people indicated by him at the time of contracting, which is the concern of a large part of the population who, at the end of their existence, seek to leave their closest and financially dependent people. As it is a civil relationship, it is absolutely normal that there are laws anregulations to harmonize contracts, bringing a certain equity to the supplier and consumer. In addition, there are new factors that constantly modify the insurance system, which leads to the development of studies in this direction. The general objective of the work is to identify factors that may contribute to the evolution of the life insurance market in Brazil, especially in the approach to self-regulation and the Brazilian culture related to insurance. The methodology used research on websites, works and specific works on the subject. The results obtained reflect the reality of the current scenario, especially with regard to regulation, lack of publicity and low cultural index of Brazilians related to life insurance, resulting in a market still without great satisfaction, when compared to other countries.