A Study on life microinsurance in Brazil
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Data de Publicação: | 2013 |
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Tipo de documento: | Artigo |
Idioma: | eng por |
Título da fonte: | BBR. Brazilian Business Review (English edition. Online) |
Texto Completo: | http://www.bbronline.com.br/index.php/bbr/article/view/207 |
Resumo: | This study examines the feasibility of life microinsurance in Brazil. Microinsurance is aimed at people with per capita income of up to two minimum wages (MW), according to the definition made by theBrazilian government’s agency for superintending private insurance (SUSEP). The main source of data was the Brazilian National Household Survey (PNAD) from year 2008. The target population consists of 41 million family heads. For microinsurance coverages for death and funeral expenses, monthly premiums would range from US$0.36 to US$4.13 for those with per capita income of less than 0.25 MW. For the income range between 1 and 2 MW per capita, premiums vary between US$1.32 and US$15.21. The potential yearly market is approximately US$1.8 billion, with a potential profit of approximately US$274 million. These results provide significative evidence that life microinsurance can offer protection for low income people and also can be feasible in Brazil. |
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A Study on life microinsurance in BrazilUm estudo sobre microsseguro de vida no BrasilMicroinsurancelife insuranceBrazilMicrosseguroseguro de vidaBrasilThis study examines the feasibility of life microinsurance in Brazil. Microinsurance is aimed at people with per capita income of up to two minimum wages (MW), according to the definition made by theBrazilian government’s agency for superintending private insurance (SUSEP). The main source of data was the Brazilian National Household Survey (PNAD) from year 2008. The target population consists of 41 million family heads. For microinsurance coverages for death and funeral expenses, monthly premiums would range from US$0.36 to US$4.13 for those with per capita income of less than 0.25 MW. For the income range between 1 and 2 MW per capita, premiums vary between US$1.32 and US$15.21. The potential yearly market is approximately US$1.8 billion, with a potential profit of approximately US$274 million. These results provide significative evidence that life microinsurance can offer protection for low income people and also can be feasible in Brazil.Este estudo examina a viabilidade de microsseguro de vida no Brasil. Microsseguro tem como alvo pessoas com renda per capita de até dois salários mínimos (SM), de acordo com a definição fornecida pela Superintendência de Seguros Privados do governo brasileiro (SUSEP). A principal fonte de dados foi a Pesquisa Nacional de Amostra por Domicílios (PNAD) de 2008. A população-alvo consiste de 41 milhões de líderes de família. Para coberturas por morte e despesas de funeral, os prêmios mensais variariam de US$0,36 a US$4,13 para aqueles com renda per capita de menos de 0,25 SM. Para a faixa de renda entre 1 e 2 SM per capita, os prêmios variam entre US$1,32 e US$15,21. O mercado potencial anual é de aproximadamente US$1,8 bilhão, com um lucro em potencial de aproximadamente US$274 milhões. Esses resultados fornecem evidências significativas de que microsseguro de vida pode oferecer proteção para pessoas de baixa renda e também pode ser viável no Brasil.FUCAPE Business Shool2013-07-01info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionPeer-reviewed ArticleArtigo revisado pelos paresapplication/pdfapplication/pdfhttp://www.bbronline.com.br/index.php/bbr/article/view/20710.15728/bbr.2013.10.3.6Brazilian Business Review; Vol. 10 No. 3 (2013): July to September 2013; 130-155Brazilian Business Review; v. 10 n. 3 (2013): Julho a Setembro de 2013; 130-1551808-23861807-734Xreponame:BBR. Brazilian Business Review (English edition. Online)instname:Fucape Business School (FBS)instacron:FBSengporhttp://www.bbronline.com.br/index.php/bbr/article/view/207/316http://www.bbronline.com.br/index.php/bbr/article/view/207/317Silva, Karina ReisAfonso, Luís Eduardoinfo:eu-repo/semantics/openAccess2018-11-06T19:51:51Zoai:ojs.pkp.sfu.ca:article/207Revistahttps://www.bbronline.com.br/index.php/bbr/indexONGhttp://www.bbronline.com.br/index.php/bbr/oai|| bbronline@bbronline.com.br1808-23861808-2386opendoar:2018-11-06T19:51:51BBR. Brazilian Business Review (English edition. Online) - Fucape Business School (FBS)false |
dc.title.none.fl_str_mv |
A Study on life microinsurance in Brazil Um estudo sobre microsseguro de vida no Brasil |
title |
A Study on life microinsurance in Brazil |
spellingShingle |
A Study on life microinsurance in Brazil Silva, Karina Reis Microinsurance life insurance Brazil Microsseguro seguro de vida Brasil |
title_short |
A Study on life microinsurance in Brazil |
title_full |
A Study on life microinsurance in Brazil |
title_fullStr |
A Study on life microinsurance in Brazil |
title_full_unstemmed |
A Study on life microinsurance in Brazil |
title_sort |
A Study on life microinsurance in Brazil |
author |
Silva, Karina Reis |
author_facet |
Silva, Karina Reis Afonso, Luís Eduardo |
author_role |
author |
author2 |
Afonso, Luís Eduardo |
author2_role |
author |
dc.contributor.author.fl_str_mv |
Silva, Karina Reis Afonso, Luís Eduardo |
dc.subject.por.fl_str_mv |
Microinsurance life insurance Brazil Microsseguro seguro de vida Brasil |
topic |
Microinsurance life insurance Brazil Microsseguro seguro de vida Brasil |
description |
This study examines the feasibility of life microinsurance in Brazil. Microinsurance is aimed at people with per capita income of up to two minimum wages (MW), according to the definition made by theBrazilian government’s agency for superintending private insurance (SUSEP). The main source of data was the Brazilian National Household Survey (PNAD) from year 2008. The target population consists of 41 million family heads. For microinsurance coverages for death and funeral expenses, monthly premiums would range from US$0.36 to US$4.13 for those with per capita income of less than 0.25 MW. For the income range between 1 and 2 MW per capita, premiums vary between US$1.32 and US$15.21. The potential yearly market is approximately US$1.8 billion, with a potential profit of approximately US$274 million. These results provide significative evidence that life microinsurance can offer protection for low income people and also can be feasible in Brazil. |
publishDate |
2013 |
dc.date.none.fl_str_mv |
2013-07-01 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article Artigo revisado pelos pares |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
http://www.bbronline.com.br/index.php/bbr/article/view/207 10.15728/bbr.2013.10.3.6 |
url |
http://www.bbronline.com.br/index.php/bbr/article/view/207 |
identifier_str_mv |
10.15728/bbr.2013.10.3.6 |
dc.language.iso.fl_str_mv |
eng por |
language |
eng por |
dc.relation.none.fl_str_mv |
http://www.bbronline.com.br/index.php/bbr/article/view/207/316 http://www.bbronline.com.br/index.php/bbr/article/view/207/317 |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf application/pdf |
dc.publisher.none.fl_str_mv |
FUCAPE Business Shool |
publisher.none.fl_str_mv |
FUCAPE Business Shool |
dc.source.none.fl_str_mv |
Brazilian Business Review; Vol. 10 No. 3 (2013): July to September 2013; 130-155 Brazilian Business Review; v. 10 n. 3 (2013): Julho a Setembro de 2013; 130-155 1808-2386 1807-734X reponame:BBR. Brazilian Business Review (English edition. Online) instname:Fucape Business School (FBS) instacron:FBS |
instname_str |
Fucape Business School (FBS) |
instacron_str |
FBS |
institution |
FBS |
reponame_str |
BBR. Brazilian Business Review (English edition. Online) |
collection |
BBR. Brazilian Business Review (English edition. Online) |
repository.name.fl_str_mv |
BBR. Brazilian Business Review (English edition. Online) - Fucape Business School (FBS) |
repository.mail.fl_str_mv |
|| bbronline@bbronline.com.br |
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1754732237543178240 |