Precificação do seguro prestamista no brasil: como é realizada e quais são suas particularidades

• Main Author: Borba, Guilherme de [UNIFESP]
• Publication Date: 2023
• Format: Bachelor thesis
• Language: por
• Source: Repositório Institucional da UNIFESP
• Download full: https://repositorio.unifesp.br/handle/11600/70168
• topic: Insurance; Credit life insurance; Pricing Model; Loss ratio; Seguro; Seguro prestamista; Modelo de precificação; Sinistralidade

Credit life insurance aims to guarantee the payment of a debt to the creditor in the event of the borrower's financial incapacity to fulfill his duties. Among its main coverages are: death, disability, unemployment or loss of income, temporary disability and even serious illnesses. Due to the Brazil´s extremely low loss ratio, there are indications that its pricing is not adequate and this is the main objective of this work. In order to reach a conclusion, a specific pricing model for this insurance was studied and compared with real databases from leading insurance companies in the segment to verify whether, in fact, premiums were being charged consistently with the risks. After carrying out the analysis, it was concluded that there is no technical pricing model, but rather, it is based on commercial pillars. For this reason, inconsistent market rates are observed and, due to national culture, difficult to reverse.