Download 2013 Flaspöhler Survey Cedants` Perceptions of Reinsurers (Life

2013 Flaspöhler Survey
Cedants’ Perceptions of Reinsurers (Life – LATAM)
Results from 250 Cedants
The standard for tracking reinsurer market effectiveness since 1991
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or any other information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
TABLE OF CONTENTS
ABOUT THE STUDY
1
ENGLISH
2
SATISFACTION WITH REINSURERS ..................................................................................................................... 2
IMPORTANT REINSURER EVALUATION AND SELECTION FACTORS...................................................................... 4
BEST REINSURERS BY FACTOR ........................................................................................................................... 5
BEST REINSURERS BY VOTE AND BY RATING ...................................................................................................... 7
REINSURER PERCEPTUAL MAP ........................................................................................................................... 9
REINSURERS MOST USED................................................................................................................................. 10
EASE OF DOING BUSINESS (EODB) ................................................................................................................... 11
CEDING PREFERENCES ..................................................................................................................................... 12
GREATEST CHALLENGES ................................................................................................................................... 14
MARKET DIRECTION ........................................................................................................................................ 15
OTHER COMMENTS ......................................................................................................................................... 16
DEMOGRAPHICS.............................................................................................................................................. 17
ESPAÑOL
20
SATISFACCIÓN CON LOS REASEGURADORES .................................................................................................... 20
FACTORES IMPORTANTES DE SELECCIÓN Y EVALUACIÓN ................................................................................ 22
MEJORES REASEGURADORES POR FACTOR...................................................................................................... 23
MEJORES REASEGURADORES POR VOTO Y POR CALIFICACIÓN ........................................................................ 25
DIAGRAMA DE PERCEPCIÓN DE LOS REASEGURADORES .................................................................................. 27
REASEGURADORES MÁS UTILIZADOS .............................................................................................................. 28
FACILIDAD PARA HACER NEGOCIOS (EODB) ..................................................................................................... 29
PREFERENCIA DE LAS CEDENTES ...................................................................................................................... 30
MAYORES RETOS ............................................................................................................................................. 32
DIRECCIÓN DEL MERCADO .............................................................................................................................. 33
OTROS COMENTARIOS .................................................................................................................................... 34
INFORMACIÓN DEMOGRÁFICA........................................................................................................................ 35
PORTUGUÊS
38
SATISFAÇÃO COM RESSEGURADORES ............................................................................................................. 38
FATORES IMPORTANTES DE AVALIAÇÃO E SELEÇÃO DE RESSEGURADORES ..................................................... 40
MELHORES RESSEGURADORES POR FATOR ..................................................................................................... 41
MELHORES RESSEGURADORES POR VOTO E AVALIAÇÃO ................................................................................. 43
MAPA PERCEPTUAL DE RESSEGURADORES ...................................................................................................... 45
RESSEGURADORES MAIS UTILIZADOS .............................................................................................................. 46
FACILIDADE PARA FAZER NEGÓCIOS (EODB) .................................................................................................... 47
PREFERÊNCIAS DE CESSÃO............................................................................................................................... 48
MAIORES DESAFIOS ......................................................................................................................................... 50
DIREÇÃO DO MERCADO .................................................................................................................................. 51
OUTROS COMENTÁRIOS .................................................................................................................................. 51
DEMOGRAFIA .................................................................................................................................................. 53
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
1
This Executive Summary of Findings is produced specifically for use by survey
respondents, in part as a token of appreciation for continued commitment to this
survey. Please accept our sincere gratitude for the support.
ABOUT THE STUDY
The 2013 Flaspöhler Survey - Cedants’ Perceptions of Reinsurers (Life – LATAM) was initiated in
2011 as a biennial, quantitative study of cedants’ opinions of life reinsurers who operate in Latin
America and the Caribbean. This second study was undertaken under the co-sponsorship of
many of the key global reinsurers who operate in this region.
The survey instrument consists of about 30 questions about reinsurer utilization, perceptions of
reinsurers and related topics. Fourteen (14) reinsurers were presented for evaluation:
1.
Allianz Re
8.
Munich Re
2.
Arch Re
9.
PartnerRe
3.
Gen Re
10.
Patria Re
4.
Hannover Re
11.
QBE Re
5.
IRB (Brazil)
12.
RGA
6.
Malucelli Re
13.
SCOR Global Life
7.
Mapfre Re
14.
Swiss Re
These survey results are based on responses by 250 cedants, representing 133 companies in 24
countries. The overall results of this study are accurate to within ±4.2% at a 90% level of
confidence. The analysis here is presented in English, Spanish and Portuguese.
The next study in this sequence is planned for 2015.
Flaspöhler Research Group
12920 Metcalf Ave, Suite 170
Overland Park, KS 66213 USA
Phone: 001-913-814-3776
www.frsurveys.com
rflaspohler@frsurveys.com
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
2
ENGLISH
SATISFACTION WITH REINSURERS
Four out of every ten (38.9%) cedants
indicate they are Very Satisfied in 2013,
compared to a slightly lower number in
2011.
* “Overall” means results from all respondents.
How would you rate your overall
level of satisfaction with the
reinsurer(s) you use?
2013
Overall
2011
Overall
Very Satisfied
38.9%
34.2%
Somewhat Satisfied
49.0%
55.8%
Neither Satisfied nor Dissatisfied
8.1%
6.0%
Somewhat Dissatisfied
4.0%
3.5%
Very Dissatisfied
0.0%
.5%
Below are country results for the Very Satisfied category. For example, only one-quarter (23.1%)
of cedants are Very Satisfied in Ecuador.
(Note: The country breakouts shown below and throughout this report are defined on page 19.)
How would you rate your overall
level of satisfaction with the
reinsurer(s) you use?
2013
BR
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
2013
Other
SA
2013
Central
Amer
2013
Carib
Very Satisfied
29.2%
27.7%
47.1%
23.1%
46.4%
20.0%
56.7%
53.3%
47.4%
Are your relationships with
reinsurers, overall, …?
One- half (52.4%) indicate that
relationships with reinsurers are
2013
Overall
2011
Overall
Improving, compared to a slightly lower
Improving
52.4%
44.0%
number in 2011.
Declining
.4%
1.5%
Verbatim comments about this
Not really changing
47.2%
54.5%
improvement follow on the next page.
Below are country results for the Improving category.
Are your relationships with
reinsurers, overall, …
Improving
2013
BR
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
2013
Other
SA
2013
Central
Amer
2013
Carib
81.3%
20.8%
52.9%
84.6%
50.0%
66.7%
36.7%
46.7%
63.2%
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
3
Following are selected verbatim comments from cedants about how relationships are Improving.
In what way(s), specifically, are relationships improving?
Country
“Because we have greater contact and they provide underwriting support online and
constant training.”
BOLIVIA
“I have been having a greater contact with them; I understand their difficulties and need for
information to have more balanced contracts.”
BRAZIL
“Faster negotiation of contracts, rates and speed in the recovery of claims.”
BRAZIL
“Developing business together.”
CHILE
“They offer more support and insurance options.”
COLOMBIA
“Penetration of new players on contracts.”
DOMINICAN
REP.
“I think that the reinsurers with which the company works have been evolving according to
the changing market and we can count on them as strategic allies for the development of
new products or markets.”
ECUADOR
“In recent years, we lost direct contact with them. Ever since twelve months ago, this has
been improving, as well as the communication; the results and the training is showing
marked improvement.”
EL
SALVADOR
“Understanding and support for new business development in nontraditional models, both
financially and its commercial operation.”
MEXICO
“Because we are opening new lines of business, I have found them to be more interested in
working with us.”
PANAMA
“Greater interest by the reinsurers to know the real condition of the companies in the
country, and especially our own; seeking to adapt its underwriting guidelines to what sells
and what is needed in the Peruvian market.”
PERU
“1. Faster response time for service. 2. Timely and effective answers. 3. Willing to support
the company and provide advice.”
VENEZUELA
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
4
IMPORTANT REINSURER EVALUATION AND SELECTION FACTORS
Cedants were asked to rate the importance of ten factors in their evaluation of a life reinsurer.
 Offers pricing that is consistent with the services and
security provided
 Offers reinsurance cover and services package which
adds value to my company
 Highly rated by rating agencies
 Worldwide-diversified risk portfolio
 Strong capital management and reserving philosophy
 Staff with strong technical expertise to understand
your business
 Turns leading mortality/morbidity research into
tangible solutions for your business
 Superior knowledge of markets and products that
interest you
 Demonstrates leadership in risk management
 High expertise with respect to products/innovations
needed in the market
 Regular access to teams who understand your
business
 Marketing reps who keep in regular contact
 Geared to providing solutions




 Timely quotes; Returns calls promptly
 24-hour turnaround on facultative underwriting
 Treaty, claims service responsiveness
 Handles data & provides feedback in a timely manner
Effective Training Courses
and Seminars
 Comprehensive UW and claims training
 Added value by certified programs
 Seminars on relevant topics in a timely manner
 Useful publications
Risk Management Service
 Data analysis; Managing and reducing operational risk
 Implementing the actuarial control cycle
 Applies suitable checks to reinsurance reporting
received
 Takes a leadership position in mortality/morbidity
research
 Product development expertise; Quality actuaries
 Innovative product development ideas and business
development opportunities
 Competent actuarial support
 An UW philosophy that is compatible with yours
 Underwriters and medical directors you respect and
trust ; Medical expertise
 Knowledgeable and responsive UW staff
 A comprehensive range of medical underwriting
tools, for ex. automated underwriting engines
 Claims expertise you don’t have in house
 Claims handlers you respect and trust
 Competent support and advice in claims handling
 Pays claims in a timely manner
 A reasonable and collaborative approach to
reviewing, deciding and paying claims
Financial Value
Financial Security
Expertise and Market
Knowledge
Client Orientation
Timely Service
Actuarial Expertise
Medical Underwriting
Capabilities
Strong Claims Handling
Ability
Delivers on promises
Works in a transparent manner
Has interest in a long-standing relationship
Solutions which create win-win situations
The rating scale is 1-9, where 1 = Not important and 9 = Very Important. A rating of 7 or more =
important. The factor Financial Value is rated as the most important in 2013, while Financial
Security was rated as the most important in 2011.
2013
Rating
2011
Rating
Interpretation
Financial Value
8.47
8.41
Most important
Client Orientation
8.31
8.20
Expertise and Market Knowledge
8.31
8.23
Financial Security
8.27
8.48
Timely Service
8.25
8.34
Medical Underwriting Capabilities
7.93
7.82
Strong Claims Handling Ability
7.92
7.86
Actuarial Expertise
7.81
7.69
Effective Training Courses and Seminars
7.59
7.49
Risk Management Service
7.38
7.29
Factors
Least important
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
5
BEST REINSURERS BY FACTOR
The top rated reinsurer for each of the ten factors is listed below. Also listed – in alphabetical
order– are the next five reinsurers rounding out the top six.
Factor & Best
Financial Value
Munich Re
Financial Security
Munich Re
Expertise and Market
Knowledge
Munich Re
Client Orientation
Hannover Re
Timely Service
Gen Re
Rounding out the
top 6 are (alpha):
Gen Re
Hannover Re
PartnerRe
SCOR Global Life
Swiss Re
Gen Re
Hannover Re
PartnerRe
RGA
Swiss Re
Gen Re
Hannover Re
Mapfre Re
Patria Re
Swiss Re
Gen Re
Munich Re
Patria Re
RGA
Swiss Re
Hannover Re
Munich Re
Patria Re
RGA
Swiss Re
Factor & Best
Effective Training
Courses and
Seminars
Munich Re
Risk Management
Service
Munich Re
Actuarial Expertise
Swiss Re
Medical
Underwriting
Capabilities
Munich Re
Strong Claims
Handling Ability
RGA
Rounding out the
top 6 are (alpha):
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Mapfre Re
Munich Re
RGA
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Munich Re
Patria Re
Swiss Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
6
The top three rated reinsurers by country for each factor are listed below, in order of best first.
Top 3 by Factor
Actuarial Expertise
Client Orientation
Effective Training
Courses & Seminars
2013 BR
2013 CL
2013 CO
Swiss Re
Swiss Re
Munich Re
Munich Re
Munich Re
Hannover Re
Hannover Re
Gen Re
Mapfre Re
Hannover Re
Munich Re
Hannover Re
PartnerRe
RGA
Gen Re
Swiss Re
Gen Re
Swiss Re
Swiss Re
Munich Re
Hannover Re
Gen Re
Munich Re
Gen Re
Gen Re
Swiss Re
IRB
Munich Re
Munich Re
Munich Re
Swiss Re
Swiss Re
Gen Re
Mapfre Re,
Swiss Re
(tie)
Munich Re
Munich Re
Hannover Re
Swiss Re
Swiss Re
Hannover Re
SCOR Global
Life
Hannover Re
Expertise and
Market Knowledge
Financial Security
Financial Value
Medical
Underwriting
Capabilities
Risk Management
Service
Strong Claims
Handling Ability
2013 EC
Gen Re
Swiss Re
SCOR Global
Life
Hannover Re
Gen Re
SCOR Global
Life
Gen Re
2013
Other SA
2013
Central
Amer
2013
Carib
Munich Re
Swiss Re
Hannover Re
Munich Re
Gen Re
Hannover Re
Munich Re
Swiss Re
Gen Re
Hannover Re
Munich Re
Swiss Re
Gen Re
RGA
Munich Re
Gen Re
Hannover Re
Hannover Re
Gen Re
Hannover Re
Munich Re
Patria Re
Hannover Re
Munich Re
Swiss Re
SCOR Global
Life
Hannover Re
Munich Re
Gen Re
Hannover Re
Gen Re
2013 MX
2013 PE
Hannover Re
RGA
Gen Re
Swiss Re
Hannover Re
RGA
Gen Re
Munich Re
Swiss Re
Swiss Re
Swiss Re
Swiss Re
Hannover Re
Swiss Re
Munich Re
Hannover Re
Hannover Re
Munich Re
Hannover Re
Hannover Re
Swiss Re
Gen Re,
Swiss Re
(tie)
Swiss Re
Gen Re
Munich Re
Munich Re
Munich Re
Munich Re
Munich Re
Gen Re,
PartnerRe
(tie)
Hannover Re
Swiss Re
Swiss Re
Gen Re
Munich Re
Hannover Re
SCOR Global
Life
Munich Re
RGA
Gen Re
Patria Re
Hannover Re
Munich Re
Swiss Re
Munich Re
Swiss Re
Gen Re
Munich Re
Gen Re
Munich Re
Hannover Re
RGA
Gen Re,
Swiss Re
(tie)
Hannover Re
Munich Re
Hannover Re
Hannover Re
Munich Re
Munich Re
Hannover Re
Swiss Re
Swiss Re
Munich Re
Swiss Re
Gen Re
Swiss Re
Swiss Re
Swiss Re
Gen Re
Gen Re
Gen Re
Munich Re
Hannover Re
Gen Re
Munich Re
Hannover Re
Swiss Re
Munich Re
Hannover Re
Hannover Re
Munich Re
Munich Re
Hannover Re
RGA, Swiss
Re (tie)
Swiss Re
RGA
Swiss Re
Hannover
Re, Swiss Re
(tie)
Munich Re
Munich Re
Gen Re,
SCOR Global
Life (tie)
Munich Re
Hannover Re
Swiss Re
Hannover Re
Gen Re
SCOR Global
Life
Swiss Re
SCOR Global
Life
Hannover Re
Swiss Re
Swiss Re
Swiss Re
Munich Re
Swiss Re
Swiss Re
Hannover Re
Munich Re
Swiss Re
Hannover Re
Swiss Re
Munich Re
Munich Re
SCOR Global
Life
RGA
Munich Re
Swiss Re
Gen Re
Munich Re
Munich Re
Munich Re
Hannover Re
Gen Re
Swiss Re
Hannover Re
Hannover Re
Hannover Re
Hannover Re
Swiss Re
Gen Re
Munich Re
Swiss Re
Hannover Re
RGA
Swiss Re
Hannover Re
Swiss Re
Swiss Re
Munich Re
Swiss Re
Gen Re,
Munich Re
(tie)
Hannover Re
Munich Re
Gen Re
Hannover Re
Mapfre Re
Munich Re
Munich Re
Swiss Re
SCOR Global
Life
Hannover Re
Swiss Re
Patria Re
SCOR Global
Life
Gen Re
Mapfre Re
Hannover Re
Timely Service
Hannover Re
Munich Re
Munich Re
Gen Re
PartnerRe
RGA
SCOR Global
Life
SCOR Global
Life
Mapfre Re,
Munich Re
(tie)
Hannover Re
Gen Re
RGA
Munich Re
Munich Re
Munich Re
Gen Re
Patria Re
Gen Re
Gen Re
Gen Re
Hannover Re
Swiss Re
Swiss Re
Swiss Re
Mapfre Re
Swiss Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
7
BEST REINSURERS BY VOTE AND BY RATING
Cedants were asked to name the reinsurers that are “the best, overall” (up to five reinsurers).
1
The top voted reinsurers are shown next, in order . Two-thirds (69.2%) of cedants named
Munich Re.
Voted “Best Overall”
2013 Overall
1.
Munich Re
69.2%
2.
Swiss Re
62.8%
3.
Hannover Re
57.9%
4.
Gen Re
36.4%
5.
SCOR Global Life
31.6%
6.
Mapfre Re
27.9%
According to the combined Flaspöhler evaluation and selection factor ratings, the most highly
2
rated reinsurers are, in order :
Highest Combined Factor Ratings
2013 Overall
(1/low-9/high)
1.
Munich Re
8.19
2.
Swiss Re
8.13
3.
Hannover Re
8.09
4.
Gen Re
8.01
5.
RGA
7.85
6.
Patria Re
7.62
7.
SCOR Global Life
7.70
8.
Mapfre Re
7.74
The next page shows the same statistics, but organized by country.
1
2
Voting favors larger companies, while rating does not favor any particular size of company.
Scores are the combined mean of the ten evaluation & selection factor ratings.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
8
The top three voted and rated reinsurers by country:
Best by Country
2013 BR
2013 CL
2013 CO
Voted Best
(in order)
Rated Best
(in order)
Munich Re
Swiss Re
Swiss Re
Munich Re
IRB
Hannover Re
Munich Re
Munich Re
Swiss Re
Swiss Re
Gen Re
Gen Re
Hannover Re
Hannover Re
Munich Re
Munich Re
Swiss Re
Swiss Re
Hannover Re
2013 EC
SCOR Global Life
Munich Re
RGA
2013 MX
Hannover Re
Swiss Re
2013 PE
2013 Other SA
2013 Central Amer
Hannover Re, RGA (tie)
Swiss Re
Munich Re
Munich Re
Gen Re
Gen Re
Hannover Re
Hannover Re
Munich Re
Swiss Re
Hannover Re
Munich Re
Swiss Re
Hannover Re
Hannover Re
Hannover Re
Swiss Re
Munich Re
Munich Re
Swiss Re
Swiss Re
2013 Carib
Hannover Re
SCOR Global Life
Munich Re
Gen Re
Swiss Re
Munich Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
REINSURER PERCEPTUAL MAP
This diagram shows how each reinsurer is perceived in two dimensions, relative to the other
reinsurers, according to the ten evaluation and selection factors.
(The center of the grid represents the average of all reinsurers.)
According to the map below, Munich Re, Swiss Re, Hannover Re and Gen Re are rated highly on
BOTH Service factors and on Financial factors.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
9
2013 Flaspöhler Survey
10
REINSURERS MOST USED
Hannover Re is the most used reinsurer in
Currently Use
LATAM. They are used by one-half (52.8%) of
cedants, as are Munich Re (52.0%) and Swiss
Re (51.2%).
Below are the three most used reinsurers by
2013 Overall
1.
Hannover Re
52.8%
2.
Munich Re
52.0%
3.
Swiss Re
51.2%
4.
Mapfre Re
36.3%
5.
SCOR Global Life
31.5%
6.
Gen Re
25.4%
country:
Country
Most Used
(in order)
IRB (Brazil)
2013 BR
Swiss Re
Munich Re
Munich Re
2013 CL
Swiss Re
Mapfre Re
Hannover Re
2013 CO
Mapfre Re
PartnerRe
Hannover Re
2013 EC
SCOR Global Life
Swiss Re
2013 MX
2013 PE
Hannover Re
Patria Re, RGA (tie)
Hannover Re
SCOR Global Life, Munich Re (tie)
Munich Re
2013 Other SA
Mapfre Re
Hannover Re
Swiss Re
2013 Central Amer
Hannover Re
Munich Re, Gen Re (tie)
Swiss Re
2013 Carib
Munich Re
Hannover Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
11
EASE OF DOING BUSINESS (EODB)
We asked cedants to tell us how easy it is to do business with the reinsurers they use. Cedants
rated reinsurers on a scale from 0 (difficult to do business with) to 10 (very easy to do business
with), giving an average score for each reinsurer.
The reinsurers with the highest EODB score are shown next, in order.
Ease of Doing Business (EODB)
2013 Overall
(0/low-10/high)
1.
Patria Re
8.94
2.
Hannover Re
8.67
3.
PartnerRe
8.38
4.
Gen Re
8.20
5.
Mapfre Re
8.10
Below are the reinsurers with the highest EODB scores by country:
Country
Best EODB
2013 BR
Hannover Re
2013 CL
RGA
2013 CO
PartnerRe
2013 EC
Hannover Re
2013 MX
Hannover Re
2013 PE
Gen Re
2013 Other SA
2013 Central Amer
2013 Carib
Hannover Re
Patria Re
Gen Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
CEDING PREFERENCES
How much, as a percentage of your total life reinsurance ceded, is the maximum you would feel
comfortable having with one reinsurance group?
One-half of cedants
(43.0%) would place
51% or more of their
ceded life reinsurance
with one reinsurer.
What is the minimum security rating you require when selecting a life reinsurer?
Results for both AM Best rating and S&P ratings are shown below.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
12
2013 Flaspöhler Survey
For what reason(s), if any, would you consider paying a higher premium to use a specific reinsurer?
One-half of respondents would consider paying a higher premium for Product development
assistance and/or Superior service.
What is the minimum amount of capital you require when selecting a reinsurer?
Two-thirds don't require a minimum amount of capital when selecting a reinsurer.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
13
2013 Flaspöhler Survey
14
GREATEST CHALLENGES
What are the greatest challenges your company faces today? How can reinsurers help?
Following are selected verbatim comments from cedants about their greatest challenges and
how reinsurers can assist with those challenges.
What are the greatest challenges your company
faces today?
How can reinsurers help?
“Changing market in the face of political and
economic instability.
By advising on development of new products
commensurate with the economic situation. “
“Development and implementation of mass-market
insurance and health.
Technical and technological support. Information on
experiences with similar markets. “
BOLIVIA
“New product ideas, System solutions for UW (like
tele UW or automated UW)and Operational Risk
metrics and studies.
Offering new product ideas and system solutions. “
BRAZIL
“Management of volumes of proposals for individual
life, and the legislative changes in Chile.
Share other countries' experience. “
CHILE
“Risks linked to longevity and financial risks.
Products to mitigate the risks described. “
COLOMBIA
“Development of voluntary products.
Offering competitive products. “
DOMINICAN
REP.
“New legislation like the Persons with Disabilities
Act, the Market Control Act, the new system of
reserves.
Support for new projects, financing, etc. “
ECUADOR
“Mass-marketing of insurance via alternative
channels: banks, supermarkets, others.
With products of value that is aggregated by market
niche. “
EL
SALVADOR
“The mortality cost is not commensurate with the
reality of the market.
To perform actuarial studies to improve the mortality
table of the market. “
GUATEMALA
“Business is very changeable every day. And the
responses should be as immediate as possible. I even
start working some cases based on cell phone text
messages.
Providing immediate replies. “
HONDURAS
“High rates of mortality.
To find business solutions that would help in having
greater long-term rates. “
MEXICO
“Selection automation.
Joint implementation of efficient expert systems. “
MEXICO
“Lack of awareness among the population that
makes it possible to sell more life product.
Develop convenient and accessible products. “
“Operational efficiency. Commercial productivity and
channels. Improved customer service.
Align with overall business trends. Sharing experience
on successful implementations of more efficient IT
platforms. “
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
Country
ARGENTINA
PARAGUAY
PERU
2013 Flaspöhler Survey
15
MARKET DIRECTION
Where do you think the Latin American/Caribbean Life & Health reinsurance market is headed and
what specific advice do you have for reinsurers about where they should focus in the future?
Following are selected verbatim comments from cedants about market direction.
Where do you think the Latin American/Caribbean Life reinsurance market is headed?
“We have today a new set of reinsurers where there can only be local companies doing business,
which are constituted legally as national companies. There are many that are currently experiencing
it and the efficiency is a matter of time which they need to experience and perform a selfevaluation.“
Country
ARGENTINA
“With the mass insurance, they should make strategic partnerships to be developed together with
the customers and join experience and technology.“
BOLIVIA
“Market still much focused on P&C. There is no offer of new products to the Life market.“
BRAZIL
“The market is headed toward a more client-centered focus, where it is important to be flexible to
be able to provide solutions in accordance with the needs. My advice would be to look at this
business more like an offering of services and not only about transferring of risks. “
CHILE
“Mass insurance; therefore forget about the old underwriting paradigms. Develop products that are
easy to sell and distribute even if they are more expensive.“
CHILE
“In my opinion, it is headed to increasing the participation in individual life because people will
become more aware of the need to insure themselves. In the same way, coverage in Health will
increase due to limits in the local health services.“
COLOMBIA
“The market will grow in the area of bank-insurance and in the collective area. The reinsurers can
help to improve the commercialization of the products.“
COSTA RICA
“It is directed toward products that are simpler and more accessible to the markets and towards
the need to provide coverage (albeit limited) to those persons now considered as ‘subnormal or
aggravated risks.’"
EL
SALVADOR
“It is heading toward mass markets; and the reinsurers should design facultative support in
accordance with this need.“
HONDURAS
“In the next five years, we will see important growth and the life insurance savings are seen
favorably by the population. Moving in more competitive manner in all the aspects. “
MEXICO
“Toward the expansion of products marketed through new sales channels with simplified
underwriting and easy operation as refers to accident claims.“
MEXICO
“The Latin American market has a great future, since our education in insurance still is not at the
level of the developed countries, and because of that it has great potential, and therefore the
reinsurer's help in trying to provide education about insurance would provide the opportunity that
the education will bear fruit for everyone. “
NICARAGUA
“Life will be low in the scheme of mass insurance or new channels.“
VENEZUELA
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
16
OTHER COMMENTS
What else would you like to say (confidentially) to the reinsurers sponsoring this study?
Following are selected verbatim comments from cedants.
What else would you like to say?
Country
“To thank them for the effort they put into reaching all the cedants by means of these surveys,
finding out about their needs and the market relationships. Every communication tool is necessary
and they draw conclusions for the benefit of the business and of all their operators. “
ARGENTINA
“To congratulate for the project. And the also that proximity is essential to understand the needs of
the insurer, so being able to suggest improvements/projects/opportunities. “
BRAZIL
“Excellent initiative, it is very good to be able to give my opinion, I hope that it improves the way to
work the reinsurance in Brazil. “
BRAZIL
“Reinsurers should be more proactive in local markets by taking advantage of their global
knowledge and bringing new initiatives that were successful in other countries. They should also be
important agents in the technical evaluation of products by contributing more information than the
fee for reinsurance. “
CHILE
“I think it is excellent that they conduct surveys of this kind. It helps them improve and deliver
better conditions to the insurance companies. It definitely makes you feel integrated, part of the
business, definitely "partners." Congratulations! Thank you. “
CHILE
“We think that all the means and tools the reinsurers use to get closer to and become more familiar
with cedants help to improve this relationship that is so important. “
COLOMBIA
“They should be flexible in accordance with the market where they are operating and should offer
efficient service. “
DOMINICAN
REP.
“Training is indispensable and so is constant interaction with their customers. These aspects
facilitate the alignment of insurer-reinsurer. The study of particular cases can help to understand
the market in which we work and its needs in such a way that it establishes a flexible framework
while establishing conditions for new businesses. Retention and cession are elements that should
always be of mutual interest. “
ECUADOR
“I think the reinsurers are our strategic partners, and it is important to share statistics and to
discuss them with the aim of achieving mutual growth in the LATAM market, which without a doubt
promises much. “
GUATEMALA
“Thanks for this survey because it enables them to know the need we currently have in relation to
underwriting life. “
HONDURAS
“Thanks for coordinating this survey. It means being interested in their customers and improving
the quality of their services. “
MEXICO
“Develop simplified models for underwriting online. The new challenges for insurance companies
are digital. It is essential that they contribute their knowledge in this field. “
MEXICO
“To take into consideration the responses that the clients gave and that they would be an
opportunity for real improvement for their businesses. “
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
NICARAGUA
2013 Flaspöhler Survey
17
DEMOGRAPHICS
Which best describes your company?
One-third (37.5%) of respondents represent Foreign companies with offices in Latin
America/Caribbean, while over half are purely Local companies.
What is your BEST ESTIMATE of the Life reinsurance ceded (including both facultative and automatic) by
your company for all of 2012?
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
Respondent Countries
Overall results in this report are based upon respondents from the following countries:
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
18
2013 Flaspöhler Survey
19
Below is a chart detailing which countries are in each country breakout.
2013
BR
Country
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
ARGENTINA
2013
Other
SA
2013
Central
Amer
2013
Carib
36.7%
BARBADOS
5.3%
BELIZE
3.2%
BERMUDA
15.8%
BOLIVIA
33.3%
BRAZIL
100%
CHILE
100%
COLOMBIA
100%
COSTA RICA
6.5%
DOMINICAN REP.
ECUADOR
47.4%
100%
EL SALVADOR
22.6%
GUATEMALA
19.4%
HONDURAS
16.1%
JAMAICA
5.3%
MEXICO
100%
NICARAGUA
9.7%
PANAMA
22.6%
PARAGUAY
6.7%
PERU
100%
PUERTO RICO
15.8%
TRINIDAD and TOBAGO
10.5%
URUGUAY
6.7%
VENEZUELA
16.7%
Countries not shown above did not register any responses.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
20
ESPAÑOL
SATISFACCIÓN CON LOS REASEGURADORES
Cuatro de cada diez (38.9%) indican que
están Muy Satisfechas en el año 2013, en
comparación con un número levemente
menor en el 2011.
* "Total" significa los resultados de todos los
encuestados.
¿Cómo calificaría su nivel de
satisfacción con los
Reaseguradores de Vida?
2013
Total
2011
Total
Muy satisfecho
38.9%
34.2%
Satisfecho
49.0%
55.8%
Ni satisfecho ni insatisfecho
8.1%
6.0%
Algo insatisfecho
4.0%
3.5%
Muy insatisfecho
0.0%
.5%
A continuación se presentan los resultados del país en la categoría Muy satisfecho. Por ejemplo,
solo un cuarto (23.1%) de las cedentes están Muy Satisfechas en Ecuador.
(Nota: Los países que se muestran a continuación y a lo largo de este informe se detallan en la página 37.)
¿Cómo calificaría su nivel de
satisfacción con los
Reaseguradores de Vida?
Muy satisfecho
2013
BR
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
2013
Other
SA
2013
Central
Amer
2013
Carib
29.2%
27.7%
47.1%
23.1%
46.4%
20.0%
56.7%
53.3%
47.4%
Sus relaciones con los
Reaseguradores están…
La mitad (52.4%) indican que las relaciones
con los reaseguradores están Mejorando
en comparación con un número levemente
Mejorando
menor en el 2011.
Empeorando
Ver comentarios sobre esta mejora en la
Estables
2013
Total
2011
Total
52.4%
44.0%
.4%
1.5%
47.2%
54.5%
página siguiente.
A continuación se presentan los resultados del país en la categoría Mejorando.
Sus relaciones con los
Reaseguradores están…
Mejorando
2013
BR
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
2013
Other
SA
2013
Central
Amer
2013
Carib
81.3%
20.8%
52.9%
84.6%
50.0%
66.7%
36.7%
46.7%
63.2%
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
21
Comentarios de las cedentes sobre cómo las relaciones están mejorando.
¿De qué forma están mejorando sus relaciones Y POR QUÉ?
País
“Porque tenemos mayor contacto, y nos dan el soporte de suscripción en línea y
capacitaciones constantes”.
BOLIVIA
“He tenido más contacto con ellos, entiendo sus dificultades y necesidades de información
para dar contratos más equilibrados”.
BRASIL
“Más rápido en la negociación de contratos, tarifas y recuperación rápida de las
reclamaciones”.
BRASIL
“Desarrollo de negocios en conjunto”.
CHILE
“Ofrecen más respaldo y alternativas de aseguramiento”.
“Ingreso de nuevos jugadores en contratos”.
COLOMBIA
REP.
DOMINICANA
“Creo que los reaseguradores con los que trabaja la compañía han ido evolucionando de
acuerdo al mercado cambiante y podemos contar con ellos como aliados estratégicos para
el desarrollo de nuevos productos o mercados”.
ECUADOR
“En los últimos años se había perdido contacto directo con ellos. Desde hace 12 meses esto
ha mejorado así como también la comunicación, los resultados y el servicio en
capacitaciones va en franca mejora”.
EL SALVADOR
“Comprensión y apoyo para el desarrollo de nuevos negocios bajo modelos no tradicionales
tanto en lo financiero, como por su operación comercial”.
MÉXICO
“Porque estamos abriendo nuevas líneas de negocio y he encontrado interés en ellos de
trabajar más con nosotros”.
PANAMÁ
“Mayor interés por parte de los reaseguradores por conocer las condiciones reales de las
compañías en el país, y sobre todo la nuestra, buscando adecuar sus lineamientos de
suscripción a lo que comercializa y necesitamos en el mercado peruano”.
PERÚ
“1- Atención más rápida. 2- Repuestas oportunas y efectivas. 3- Dispuesta a respaldar a la
empresa y prestar asesoría”.
VENEZUELA
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
22
FACTORES IMPORTANTES DE SELECCIÓN Y EVALUACIÓN
A las cedentes se les pidió que calificaran la importancia de cada uno de estos factores en la
evaluación de un reasegurador.
Valor Financiero
Seguridad Financiera
Experiencia Y Conocimientos De
Mercado
Orientación Al Cliente
 Relación equilibrada entre el precio y el servicio/seguridad
ofrecido
 Coberturas y servicios que añadan valor a su compañía
 Calificación elevada ofrecida por las principales agencias
de rating
 Tiene una cartera diversificada mundialmente
 Excelente gestión del capital
 Personal con amplia experiencia técnica para comprender
su negocio
 Convierten los estudios de mortalidad/morbosidad en
soluciones tangibles para su negocio
 Gran conocimiento de mercados y productos que le interesan
 Liderazgo demostrado en gestión de riesgos
 Gran experiencia en lo que respecta a productos e
innovaciones para el mercado




 Trabajo transparente
 Cuidan de las relaciones de negocio duraderas
 Soluciones que crean situaciones en las que todos ganan
Personas que comprenden su negocio
Informes de Mercado que añaden valor
Dispuesto a ofrecer soluciones
Entregas a tiempo
 Ofrece cotizaciones en tiempo
 Tiempo de respuesta 24 horas en suscripción facultativa
 Devuelve llamadas con prontitud
 Receptivo a los servicios de contratos y siniestros
 Maneja puntualmente la información
Formación Y Seminarios Eficaces
 Formación en Suscripción y Siniestros
 Valor añadido por programas certificados
 Seminarios sobre temas relevantes en ocasiones puntuales
 Publicaciones de gran utilidad
Servicio De Gerencia De Riesgos
 Análisis de Datos; Ejecución del control del ciclo actuarial
 Gestión y reducción del riesgo operativo
 Comprueba adecuadamente los reportes recibidos por los
Reaseguradoras
 Calidad actuarial
 Posición de liderazgo en estudios de
mortalidad/morbosidad
 Experiencia en desarrollo de productos
 Ideas innovadoras sobre el desarrollo de productos y
oportunidades de desarrollo de negocio
 Competente apoyo actuarial
 Línea de Suscripción compatible con la suya
 Respeto y confianza en los Suscriptores y consejeros
médicos; Experiencia médica
 Personal suscriptor capacitado y resolutivo
 Exhaustiva gama de herramientas de suscripción médicas,
como por ejemplo: modelos de suscripción automáticos
 Experiencia en Siniestros de la que usted no dispone
 Tramitadores de Siniestros que inspiran confianza
 Apoyo profesional y consejos en el manejo de siniestros
 Puntualidad en el pago de siniestros
 Tiene una actitud razonable y colaboradora para la revisión,
decisión y pago de siniestros
Puntualidad En El Servicio
Experiencia Actuarial
Capacidad De Suscripción Médica
Demostrada Capacidad En
Manejo De Siniestros
La escala de calificación es de 1 a 9, en la cual 1 = No importante y 9 = Muy importante. Una
calificación de 7 o más = Importante. El factor Valor Financiero fue calificado como el más
importante en el año 2013, mientras que la Seguridad Financiera fue calificado como el más
importante en 2011.
2013
Calificación
2011
Calificación
Interpretación
Valor Financiero
8.47
8.41
El más importante
Orientación Al Cliente
8.31
8.20
Experiencia Y Conocimientos De Mercado
8.31
8.23
Seguridad Financiera
8.27
8.48
Puntualidad En El Servicio
8.25
8.34
Capacidad De Suscripción Médica
7.93
7.82
Demostrada Capacidad En Manejo De Siniestros
7.92
7.86
Experiencia Actuarial
7.81
7.69
Formación Y Seminarios Eficaces
7.59
7.49
Servicio De Gerencia De Riesgos
7.38
7.29
Factores
El menos importante
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
23
MEJORES REASEGURADORES POR FACTOR
El reasegurador mejor calificado en cada uno de los diez factores se detalla a continuación.
También se indican, en orden alfabético, los siguientes cinco reaseguradores completando los
mejores seis.
Factor & El Mejor
Valor Financiero
Munich Re
Seguridad Financiera
Munich Re
Experiencia Y
Conocimientos De
Mercado
Munich Re
Orientación Al
Cliente
Hannover Re
Puntualidad En El
Servicio
Gen Re
Completan los
mejores 6 (alfab.):
Gen Re
Hannover Re
PartnerRe
SCOR Global Life
Swiss Re
Gen Re
Hannover Re
PartnerRe
RGA
Swiss Re
Gen Re
Hannover Re
Mapfre Re
Patria Re
Swiss Re
Gen Re
Munich Re
Patria Re
RGA
Swiss Re
Hannover Re
Munich Re
Patria Re
RGA
Swiss Re
Factor & El Mejor
Formación Y
Seminarios Eficaces
Munich Re
Servicio De Gerencia
De Riesgos
Munich Re
Experiencia Actuarial
Swiss Re
Capacidad De
Suscripción Médica
Munich Re
Demostrada
Capacidad En Manejo
De Siniestros
RGA
Completan los
mejores 6 (alfab.):
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Mapfre Re
Munich Re
RGA
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Munich Re
Patria Re
Swiss Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
24
A continuación se presentan los tres reaseguradores mejor calificados por país en cada uno de los
factores, por orden decreciente de puntuación.
Los tres
principales
Experiencia
Actuarial
Orientación Al
Cliente
Formación Y
Seminarios
Eficaces
2013 BR
2013 CL
2013 CO
Swiss Re
Swiss Re
Munich Re
Munich Re
Munich Re
Hannover Re
Hannover Re
Gen Re
Mapfre Re
Hannover Re
Munich Re
Hannover Re
PartnerRe
RGA
Gen Re
Swiss Re
Gen Re
Swiss Re
Swiss Re
Munich Re
Hannover Re
Gen Re
Munich Re
Gen Re
Gen Re
Swiss Re
IRB
Munich Re
Munich Re
Munich Re
Swiss Re
Swiss Re
Gen Re
Mapfre Re,
Swiss Re
(tie)
Munich Re
Munich Re
Hannover Re
Seguridad
Financiera
Swiss Re
Swiss Re
Hannover Re
Valor Financiero
Capacidad De
Suscripción
Médica
Servicio De
Gerencia De
Riesgos
Demostrada
Capacidad En
Manejo De
Siniestros
Gen Re
Swiss Re
SCOR Global
Life
Hannover Re
Gen Re
SCOR Global
Life
Gen Re
2013
Other SA
2013
Central
Amer
2013
Carib
Munich Re
Swiss Re
Hannover Re
Munich Re
Gen Re
Hannover Re
Munich Re
Swiss Re
Gen Re
Hannover Re
Munich Re
Swiss Re
Gen Re
RGA
Munich Re
Gen Re
Hannover Re
Hannover Re
Gen Re
Hannover Re
Munich Re
Patria Re
Hannover Re
Munich Re
Swiss Re
SCOR Global
Life
Hannover Re
Munich Re
Gen Re
Hannover Re
Gen Re
2013 MX
2013 PE
Hannover Re
RGA
Gen Re
Swiss Re
Hannover Re
RGA
Gen Re
Munich Re
Swiss Re
Swiss Re
Swiss Re
Swiss Re
Hannover Re
Swiss Re
Munich Re
Hannover Re
Hannover Re
Munich Re
Hannover Re
Hannover Re
Swiss Re
RGA
Gen Re
Swiss Re
Gen Re
Patria Re
Hannover Re
Gen Re,
Swiss Re
(tie)
Munich Re
Munich Re
Munich Re
Swiss Re
Munich Re
Munich Re
Munich Re
Swiss Re
Gen Re
Munich Re
Swiss Re
Munich Re
Hannover Re
RGA
Gen Re,
PartnerRe
(tie)
Hannover Re
Gen Re
Gen Re,
Swiss Re
(tie)
Munich Re
Swiss Re
Gen Re
Hannover Re
Munich Re
Hannover Re
Hannover Re
Munich Re
Munich Re
Hannover Re
Munich Re
Swiss Re
Swiss Re
Munich Re
Swiss Re
Gen Re
Swiss Re
Swiss Re
Swiss Re
Gen Re
Gen Re
Gen Re
Munich Re
Hannover Re
Gen Re
Munich Re
Hannover Re
Swiss Re
Munich Re
Hannover Re
Hannover Re
Munich Re
Munich Re
Hannover Re
RGA, Swiss
Re (tie)
Swiss Re
RGA
Swiss Re
Hannover
Re, Swiss Re
(tie)
Munich Re
Munich Re
Gen Re,
SCOR Global
Life (tie)
SCOR Global
Life
Hannover Re
Experiencia Y
Conocimientos
De Mercado
2013 EC
Munich Re
Hannover Re
Hannover Re
SCOR Global
Life
Swiss Re
Hannover Re
Gen Re
SCOR Global
Life
Swiss Re
SCOR Global
Life
Hannover Re
Munich Re
Swiss Re
Swiss Re
Swiss Re
Munich Re
Swiss Re
Swiss Re
Hannover Re
Munich Re
Swiss Re
Hannover Re
Swiss Re
Munich Re
Munich Re
SCOR Global
Life
RGA
Munich Re
Swiss Re
Gen Re
Munich Re
Munich Re
Munich Re
Hannover Re
Gen Re
Swiss Re
Hannover Re
Hannover Re
Hannover Re
Hannover Re
Swiss Re
Gen Re
Munich Re
Swiss Re
Hannover Re
RGA
Swiss Re
Hannover Re
Swiss Re
Swiss Re
Munich Re
Swiss Re
Gen Re,
Munich Re
(tie)
Hannover Re
Munich Re
Gen Re
Hannover Re
Mapfre Re
Munich Re
Munich Re
Swiss Re
SCOR Global
Life
Hannover Re
Swiss Re
Patria Re
SCOR Global
Life
Gen Re
Mapfre Re
Hannover Re
Puntualidad En
El Servicio
Hannover Re
Munich Re
Munich Re
Gen Re
PartnerRe
RGA
SCOR Global
Life
SCOR Global
Life
Mapfre Re,
Munich Re
(tie)
Hannover Re
Gen Re
RGA
Munich Re
Munich Re
Munich Re
Gen Re
Patria Re
Gen Re
Gen Re
Gen Re
Hannover Re
Swiss Re
Swiss Re
Swiss Re
Mapfre Re
Swiss Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
25
MEJORES REASEGURADORES POR VOTO Y POR CALIFICACIÓN
A las cedentes se les pidió el nombre de los reaseguradores que son "los mejores, en términos
generales" (hasta cinco reaseguradoras).
3
Los reaseguradores más votados se presentan a continuación, en orden . Dos tercios (69.2%) de
las cedentes nombraron a Munich Re.
“Los Mejores, en términos generales”
2013 Total
1.
Munich Re
69.2%
2.
Swiss Re
62.8%
3.
Hannover Re
57.9%
4.
Gen Re
36.4%
5.
SCOR Global Life
31.6%
6.
Mapfre Re
27.9%
De acuerdo con las clasificaciones combinadas de los factores Flaspöhler, las reaseguradoras más
4
valoradas son :
Clasificación por factores combinados
2013 Total
(1/bajo-9/alto)
1.
Munich Re
8.19
2.
Swiss Re
8.13
3.
Hannover Re
8.09
4.
Gen Re
8.01
5.
RGA
7.85
6.
Patria Re
7.62
7.
SCOR Global Life
7.70
8.
Mapfre Re
7.74
La página siguiente muestra las mismas estadísticas, pero organizadas por país.
3
La votación favorece a las compañías más grandes, mientras que la calificación no favorece a ningún tamaño de
compañía en particular.
4
Puntuaciones son el promedio combinado de las clasificaciones de los diez factores de evaluación y selección.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
26
Los tres reaseguradores más votados y mejor calificados por país:
Países
2013 BR
2013 CL
2013 CO
Los mejores, en general
Por combinación de factores
Munich Re
Swiss Re
Swiss Re
Munich Re
IRB
Hannover Re
Munich Re
Munich Re
Swiss Re
Swiss Re
Gen Re
Gen Re
Hannover Re
Hannover Re
Munich Re
Munich Re
Swiss Re
Swiss Re
Hannover Re
2013 EC
Hannover Re
SCOR Global Life
SCOR Global Life
Munich Re
RGA
2013 MX
Hannover Re
Hannover Re, RGA (tie)
Swiss Re
2013 PE
2013 Other SA
2013 Central Amer
Munich Re
Munich Re
Gen Re
Gen Re
Hannover Re
Hannover Re
Munich Re
Swiss Re
Hannover Re
Munich Re
Swiss Re
Hannover Re
Hannover Re
Hannover Re
Swiss Re
Munich Re
Munich Re
Swiss Re
Swiss Re
2013 Carib
Swiss Re
Munich Re
Gen Re
Swiss Re
Munich Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
DIAGRAMA DE PERCEPCIÓN DE LOS REASEGURADORES
Este diagrama muestra cómo cada reasegurador se percibe, en relación con los otros
reaseguradores, de acuerdo con los diez factores de evaluación y selección.
(El centro de la cuadrícula representa el promedio de todos los reaseguradores.)
De acuerdo con el siguiente mapa, Munich Re, Swiss Re, Hannover Re y Gen Re están mejor
calificados TANTO en los factores de Servicio COMO EN los factores Financieros.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
27
2013 Flaspöhler Survey
28
REASEGURADORES MÁS UTILIZADOS
Hannover Re es la reaseguradora más
utilizada en LATAM. Son utilizados por la
mitad (52.8%) de las cedentes, así como
Munich Re (52.0%) y Swiss Re (51.2%).
A continuación se presentan las tres
Más utilizado
2013 Total
1.
Hannover Re
52.8%
2.
Munich Re
52.0%
3.
Swiss Re
51.2%
4.
Mapfre Re
36.3%
5.
SCOR Global Life
31.5%
6.
Gen Re
25.4%
reaseguradoras más utilizadas por país:
Países
Más utilizado (en orden)
IRB (Brasil)
2013 BR
Swiss Re
Munich Re
Munich Re
2013 CL
Swiss Re
Mapfre Re
Hannover Re
2013 CO
Mapfre Re
PartnerRe
Hannover Re
2013 EC
SCOR Global Life
Swiss Re
2013 MX
2013 PE
Hannover Re
Patria Re, RGA (tie)
Hannover Re
SCOR Global Life, Munich Re (tie)
Munich Re
2013 Other SA
Mapfre Re
Hannover Re
Swiss Re
2013 Central Amer
Hannover Re
Munich Re, Gen Re (tie)
Swiss Re
2013 Carib
Munich Re
Hannover Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
29
FACILIDAD PARA HACER NEGOCIOS (EODB)
Pedimos a las cedentes decirnos cuán fácil es hacer negocios con los reaseguradores que utilizan.
Las cedentes calificaron a los reaseguradores en una escala de 0 (difícil de hacer negocios con) a
10 (muy fácil de hacer negocios con), dando una puntuación media para cada reasegurador.
Los reaseguradores con la puntuación más alta son, en orden.
Facilidad Para Hacer Negocios
2013 Total
(0/bajo-10/alto)
1.
Patria Re
8.94
2.
Hannover Re
8.67
3.
PartnerRe
8.38
4.
Gen Re
8.20
5.
Mapfre Re
8.10
A continuación se presentan las puntuaciones más altas del EODB por país:
País
Mejor EODB *
2013 BR
Hannover Re
2013 CL
RGA
2013 CO
PartnerRe
2013 EC
Hannover Re
2013 MX
Hannover Re
2013 PE
Gen Re
2013 Other SA
2013 Central Amer
2013 Carib
Hannover Re
Patria Re
Gen Re
* EODB = Ease of Doing Business
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
30
PREFERENCIA DE LAS CEDENTES
¿Cuál sería el máximo porcentaje de riesgo o de contrato con el que se sentiría tranquilo si lo cediera a
un solo Reasegurador?
La mitad de las
cedentes (43.0%)
colocaría 51% o más de
su reaseguro de vida
cedido con un solo
reasegurador.
¿Cuál es la calificación mínima requerida para elegir un Reasegurador de Vida?
A continuación se muestran los resultados de las calificaciones de AM Best y S&P.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
¿Por qué razones, si las hubiera, consideraría pagar una prima mayor por utilizar un Reasegurador
específico?
La mitad de los encuestados consideraría pagar una prima mayor por Asistencia en el desarrollo
de productos y/o Servicio superior.
¿Cuál es el mínimo capital que exige al seleccionar un Reasegurador?
Dos tercios no requieren un capital mínimo al seleccionar un reasegurador.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
31
2013 Flaspöhler Survey
32
MAYORES RETOS
¿Cuáles son los mayores retos a los que se enfrenta su compañía hoy en día? ¿Cómo pueden ayudar los
reaseguradores?
A continuación son comentarios textuales seleccionados de las cedentes de sus mayores retos y
cómo los reaseguradores pueden ayudar con estos retos.
¿Cuáles son los mayores retos a los que se enfrenta
su compañía hoy en día?
¿Cómo pueden ayudar los reaseguradores?
“Mercado cambiante ante inestabilidad política y
económica.
Asesorando sobre desarrollo de nuevos productos
acordes a situación coyuntural”.
“Desarrollo e implementación de seguros masivos y
de salud.
Soporte técnico, tecnológico, información de
experiencias de mercados similares”.
BOLIVIA
“Nuevas ideas de productos, soluciones de sistema
para la UW (como teleUW o automatizada UW) y
métricas y estudios de Riesgo Operacional.
Ofreciendo nuevas ideas de productos y soluciones
de sistemas”.
BRASIL
“Manejo de volúmenes de propuestas de vida
individual y el cambio legislativo en Chile.
Compartiendo la experiencia de otros países”.
CHILE
“Riesgos de extralongevidad y Riesgos financieros.
Productos que mitiguen los riesgos descritos”.
COLOMBIA
“Desarrollo de productos voluntarios.
Ofreciendo productos competitivos”.
“Nuevas legislaciones como Ley de Discapacitados,
Ley de Control de Mercados, Nuevo régimen de
reservas.
Apoyo en nuevos productos, financiamiento, etc.”.
“Masificación del seguro a través de canales
alternos: bancos, supermercados, otros.
Con productos de valor agregado por nicho de
mercado”.
EL SALVADOR
“El costo de mortalidad no acorde a la realidad del
mercado.
Hacer estudios actuariales para mejorar la tabla de
mortalidad del mercado”.
GUATEMALA
“Los negocios cada día son muy cambiantes, y las
respuestas deben ser lo más inmediatas posibles;
incluso muchos casos preliminarmente los trabajo
por mensajes de texto de celular.
A brindar respuestas inmediatas”.
HONDURAS
“Tasas altas de caducidad.
Buscar soluciones de negocio que ayuden a tener
tasas de persistencia mayores”.
MÉXICO
“Automatización de la selección.
Implementación conjunta de sistemas expertos
eficientes”.
MÉXICO
“Falta de conciencia en la población que permita
comercializar más el producto Vida.
Crear productos cómodos y accesibles”.
“Eficiencia operacional. Productividad comercial y
canales. Mejora de servicio al cliente.
Orientar con tendencias globales del negocio
Compartir experiencia sobre implementaciones
exitosas de plataformas más eficientes de TI”.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
País
ARGENTINA
REP.
DOMINICANA
ECUADOR
PARAGUAY
PERÚ
2013 Flaspöhler Survey
33
DIRECCIÓN DEL MERCADO
¿Hacia dónde cree que se dirige el Mercado (Vida y Salud - Latinoamericano y Caribe) y qué consejo le
daría a los Reaseguradores sobre dónde centrarse en el futuro?
A continuación se presentan comentarios textuales seleccionados de las cedentes sobre la
dirección del mercado.
¿Hacia dónde cree que se dirige el Mercado (Vida y Salud - Latinoamericano y Caribe)
País
“Hoy tenemos en nuestro país un nuevo régimen de reaseguros donde solo pueden operar cías.
locales constituidas legalmente como nacionales. Muchos operadores están haciendo experiencia
en la actualidad y la eficiencia es una cuestión de tiempo en el que deben experimentar y
autoevolucionar en sí mismos”.
ARGENTINA
“En los seguros masivos, deberían realizarse alianzas estratégicas para desarrollar en conjunto con
sus clientes y juntar experiencia y tecnología”.
BOLIVIA
“Mercado todavía muy centrado en P&C. No existe una oferta de nuevos productos al mercado de
vida”.
BRASIL
“El mercado se dirige a un enfoque más centrado en el cliente, donde es importante ser flexible
para entregar soluciones acordes a las necesidades. Mi consejo sería ver este negocio más como
una prestación de servicios y no solo como transferencia de riesgos”.
CHILE
“Seguros masivos, por tanto hay que olvidarse de los viejos paradigmas de suscripción de riesgos.
Hacer productos que sean de fácil venta y distribución aunque sean más caros”.
CHILE
“En mi opinión se dirige a aumentar la participación de vida individual pues las personas se
concientizarán más de la necesidad de asegurarse. Del mismo modo en Salud aumentará la
cobertura dadas las limitantes de los servicios de salud locales”.
COLOMBIA
“El mercado va a crecer en el área de banca-seguros y en el área colectiva. Los reaseguradores
pueden ayudar a mejorar la comercialización de los productos”.
COSTA RICA
“Se dirige hacia productos más simples y accesibles para el mercado y hacia la necesidad de dar
cobertura (aunque sea limitada) a aquellas personas consideradas hoy por hoy como "riesgos
subnormales o agravados”.
EL
SALVADOR
“Se dirige a mercados masivos; y los reaseguradores deben diseñar soportes facultativos acorde a
esta necesidad”.
HONDURAS
“Van en incremento importante en los próximos cinco años y el seguro de vida ahorro son bien
vistos por la población. Moviéndose en forma más competitiva en todos los aspectos”.
MÉXICO
“A la expansión de productos empaquetados a través de nuevos canales de venta con suscripción
simplificada y fácil operación en cuanto a la reclamación de siniestros se refiere”.
MÉXICO
“El mercado latinoamericano tiene gran futuro, ya que nuestra educación en seguros aún no se
encuentra en el índice de los países desarrollados, por lo que tiene gran potencial, por lo que una
ayuda en tratar de dar educación de seguro por parte de los reaseguradores daría oportunidad de
que la educación tenga su fruto para todos”.
NICARAGUA
“Vida bajo el esquema de masificación o nuevos canales”.
VENEZUELA
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
34
OTROS COMENTARIOS
¿Qué más le gustaría decir (confidencialmente, por supuesto) a los Reaseguradores que patrocinan este
estudio?
Los siguientes son comentarios textuales seleccionados de las cedentes.
¿Qué más le gustaría decir?
País
“Agradecerles por el esfuerzo que ponen en llegar a todas las Cedentes, por intermedio de estas
encuestas, interiorizándose de sus necesidades y las relaciones con el mercado. Toda herramienta
de comunicación es necesaria y se obtienen conclusiones para el beneficio del negocio y de todos
sus operadores”.
ARGENTINA
“Felicite al proyecto. Y también que la proximidad es esencial para comprender las necesidades de
la compañía de seguros puede entonces sugerir mejoras/proyectos/oportunidades”.
BRASIL
“Excelente iniciativa, ideal para dar mi opinión, espero que para mejorar la forma de trabajar de
reaseguro en Brasil”.
BRASIL
“Los reaseguradores deben ser más proactivos en los mercados locales aprovechando su
conocimiento global, aportando nuevas iniciativas que tuvieron éxito en otros países. También
deben ser un agente importante en la evaluación técnica de los productos, aportando más
información que la tarifa de reaseguro”.
CHILE
“Encuentro excelente, que realicen este tipo de encuestas esto les ayuda a mejorar y entregar
mejores condiciones a las cías. de seguros en definitiva uno se siente integrado, parte del negocio,
en definitiva "socios". ¡¡¡Felicitaciones!!! Gracias”.
CHILE
“Consideramos que todos los medios y herramientas que los reaseguradores usen para acercarse y
conocer más de los cedentes va en mejora de esta relación tan importante”.
COLOMBIA
“Deben ser flexibles de acuerdo al mercado donde operan y ofrecer un servicio eficiente”.
REP.
DOMINICANA
“La formación es indispensable y la interacción constante con sus clientes. Estos aspectos facilitan
la alineación aseguradora-reaseguradora. El estudio de casos particulares puede ayudar a entender
el mercado bajo el cual trabajamos y sus necesidades, de tal manera que se establezca un marco
flexible al momento de establecer condiciones para nuevos negocios. La retención y la cesión son
elementos que deberían de ser siempre de interés mutuo”.
ECUADOR
“Considero que los reaseguradores son un socio estratégico nuestro y es importante compartir
estadísticas y discutirlas a fin de lograr un crecimiento conjunto en el mercado LATAM que sin duda
alguna promete mucho”.
GUATEMALA
“Agradeciendo por esta encuesta pues les permite conocer la necesidad que tenemos actualmente
en relación a la suscripción de vida”.
HONDURAS
“Gracias por coordinar esta encuesta, significa que están interesados en sus clientes y en mejorar
la calidad de sus servicios”.
MÉXICO
“Desarrollar modelos simplificados de suscripción en línea, digital son los nuevos retos para las
compañías de seguros. Es fundamental que aporten sus conocimientos en este rubro”.
MÉXICO
“Tomar en consideración las respuestas que dieron los clientes, y que sean una oportunidad de
mejora real para sus negocios”.
NICARAGUA
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
INFORMACIÓN DEMOGRÁFICA
¿Qué es lo que mejor describe a su compañía?
Un tercio (37.5%) de los encuestados representan a compañías Extranjeras con oficinas en
Latinoamérica/Caribe, mientras que más de la mitad son compañías estrictamente Locales.
¿Cuál es el volumen de primas de Reaseguro de Vida cedidas en 2010? (Incluyendo facultativo y
contratos)
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
35
2013 Flaspöhler Survey
Países de los Entrevistados
Los resultados "Total" de este informe se basan en las respuestas de los siguientes países:
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
36
2013 Flaspöhler Survey
37
Abajo hay una tabla detallando cuales países están en cada breakout del país.
2013
BR
País
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
ARGENTINA
2013
Other
SA
2013
Central
Amer
2013
Carib
36.7%
BARBADOS
5.3%
BELICE
3.2%
BERMUDAS
15.8%
BOLIVIA
33.3%
BRASIL
100%
CHILE
100%
COLOMBIA
100%
COSTA RICA
6.5%
REP. DOMINICANA
ECUADOR
47.4%
100%
EL SALVADOR
22.6%
GUATEMALA
19.4%
HONDURAS
16.1%
JAMAICA
5.3%
MÉXICO
100%
NICARAGUA
9.7%
PANAMÁ
22.6%
PARAGUAY
6.7%
PERÚ
100%
PUERTO RICO
15.8%
TRINIDAD Y TOBAGO
10.5%
URUGUAY
6.7%
VENEZUELA
16.7%
Los países que no se muestran arriba no registraron respuestas.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
38
PORTUGUÊS
SATISFAÇÃO COM RESSEGURADORES
Uma em cada quatro (38.9%) de todas as
cedentes indicam que elas estão Muito
Satisfeitas, comparado a um número
ligeiramente menor em 2011.
* “Global "significa resultados de todos os
entrevistados.
Como você classificaria seu nível de
satisfação com os seus
resseguradores dos ramos de vida?
2013
Global
2011
Global
Muito satisfeito
38.9%
34.2%
Um tanto satisfeito
49.0%
55.8%
Nem satisfeito nem insatisfeito
8.1%
6.0%
Um tanto insatisfeito
4.0%
3.5%
Muito insatisfeito
0.0%
.5%
Abaixo estão os resultados por país para a categoria Muito Satisfeito. Por exemplo, apenas um
quarto (23.1%) das cedentes estão Muito Satisfeitas no Equador.
(Nota: As categorias por país indicado abaixo e ao longo deste relatório são definidas no final deste documento.)
Como você classificaria seu nível de
satisfação com os seus
resseguradores dos ramos de vida?
2013
BR
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
2013
Other
SA
2013
Central
Amer
2013
Carib
Muito satisfeito
29.2%
27.7%
47.1%
23.1%
46.4%
20.0%
56.7%
53.3%
47.4%
Metade (52.4%) indica que as relações com
os resseguradores estão Melhorando,
Os seus relacionamentos com os
resseguradores estão, em geral, …?
Melhorando
comparado a um número ligeiramente
menor em 2011.
Piorando
Comentários textuais sobre essa melhoria
Não mudam
2013
Global
2011
Global
52.4%
44.0%
.4%
1.5%
47.2%
54.5%
podem ser encontrados na página seguinte.
Abaixo estão os resultados por país para a categoria Melhorando.
Os seus relacionamentos com os
resseguradores estão, em geral, …?
2013
BR
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
2013
Other
SA
2013
Central
Amer
2013
Carib
Melhorando
81.3%
20.8%
52.9%
84.6%
50.0%
66.7%
36.7%
46.7%
63.2%
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
39
Seguem-se comentários das cedentes sobre como os relacionamentos estão melhorando.
De que maneira, especificamente, os seus relacionamentos estão melhorando e
por quê?
País
“Porque nós temos maior contato e eles oferecem apoio de subscrição online e
treinamento constante.”
BOLÍVIA
“Eu tenho tido maior contato com eles; Eu entendo as dificuldades deles e a sua
necessidade de informação para ter contratos mais equilibrados.”
BRASIL
“Negociações de contratos mais rápidas, taxas e rapidez no serviço de sinistros.”
BRASIL
“Desenvolvendo negócios juntos.”
CHILE
“Eles oferecem mais apoio e opções de seguros.”
COLÔMBIA
“Penetração de novos jogadores nos contratos.”
REP.
DOMINICANA
“Eu creio que os resseguradores com quem a companhia trabalha têm evoluído de acordo
com as mudanças no mercado e podemos contar com eles como aliados estratégicos para o
desenvolvimento de novos produtos ou mercados.”
EQUADOR
“Nos últimos anos nós perdemos contato direto com eles. A partir de aprox. 12 meses atrás
isto tem melhorado, bem como a comunicação; os resultados e treinamento apresentam
melhora significativa.”
EL SALVADOR
“Entendimento e apoio para o desenvolvimento de novos negócios em modelos não
tradicionais, tanto financeiramente quanto em termos de sua operação comercial.”
MÉXICO
“Porque estamos abrindo novas linhas de negócios, percebi que eles estão mais
interessados em trabalhar conosco.”
PANAMÁ
“Maior interesse dos resseguradores em saber a real condição das companhias no país, e
especialmente a nossa; procurar adaptar suas diretrizes de subscrição ao que vende e ao
que é necessário no mercado peruano.”
“1. Tempo de resposta mais rápido para serviços. 2. Respostas eficazes e pontuais 3.
Dispostos a apoiar a companhia e prover aconselhamento.”
PERÚ
VENEZUELA
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
40
FATORES IMPORTANTES DE AVALIAÇÃO E SELEÇÃO DE RESSEGURADORES
As cedentes foram convidados a avaliar a importância de cada um desses fatores na avaliação de
uma resseguradora.
 Pricing que é consistente com os serviços e security oferecida
 Cobertura de resseguro e serviços que agregam valor a sua
companhia
Segurança financeira
 Nível de Rating elevado atribuído por agência de Rating
 Carteira de risco diversificada mundialmente
 Forte gestão do capital e filosofia de reservas
Conhecimento do
mercado e expertise
 Equipe com experiência técnica forte para entender o seu negócio
 Transforma investigações de mortalidade/morbilidade em
soluções tangíveis para o seu negócio
 Demonstra liderança em gestão de risco
 Conhecimento de mercados e produtos que possam ser do seu
interesse
 Alta experiência em relação a necessidades de produtos/
inovações no mercado
Orientação ao cliente
 Contato regular com equipes que entendem os seu negócio
 Representantes de Marketing que mantém contato regular
 Engrenado para oferecer soluções




 Fornecer cotações em tempo hábil
 Tempo media de resposta de 24 horas para subscrição de
facultativos
 Retorno de ligações rapidamente
 Receptivo no serviço de contratos e sinistros
 Maneja os dados e fornece fedback em tempo adequado
(administração)
 Treinamento abrangente em subscrição e sinistros
 Valor agregado por programas certificados
 Seminários sobre tópicos relevantes no momento adequado
 Publicações úteis
 Analise de dados
 Implementação de controle atuarial cíclico
 Gestão e redução do risco operacional
 Aplica controles adequados sobre os relatórios de resseguro
recebidos
 Atuários de qualidade
 Tomar uma posição de liderança em investigações de
mortalidade/morbilidade
 Expertise em desenvolvimento de produtos
 Idéias inovadoras no desenvolvimento de produtos e no
desenvolvimento de oportunidades de negócio
 Suporte atuarial competente
 Uma filosofia de subscrição compatível com a sua.
 Subscritor e direção médica que você respeita e nos quais confia.
 Expertise medica
 Equipe de subscrição receptiva e com conhecimento
 Uma variedade ampla de ferramentas de subscrição, como por
exemplo, ferramenta de subscrição automática.
 Expertise em sinistros que não tem dentro da sua companhia
 Responsáveis de sinistros que você respeita e nos quais confia
 Apoio competente e aconselhamento no manejo de sinistros
 Pagamento de sinistros no momento adequado
 Abordagem razoável e colaborativa para revisar, decidir e pagar
sinistros
Valor financeiro
Serviço Pontual
Cursos de Treinamento e
Seminários Eficazes
Serviço de controle de
riscos
Expertise atuarial
Habilidades de subscrição
médica
Forte Habilidade no
tratamento de Sinistros
Entrega o prometido
Trabalho de maneira transparente
Tem interesse em um relacionamento de longo prazo
Soluções que criam situações onde ambas as partes ganham
A escala de avaliação é de 1-9, onde 1 = Não importante e 9 = Muito Importante. Uma avaliação
de 7 ou mais = importante. O fator Valor financeiro foi classificado como o mais importante em
2013, enquanto Segurança financeira foi classificado o mais importante em 2011.
Fatores
2011 Nível
2013 Nível
Interpretação
Valor financeiro
8.47
8.41
Mais importante
Orientação ao cliente
8.31
8.20
Conhecimento do mercado e expertise
8.31
8.23
Segurança financeira
8.27
8.48
Serviço Pontual
8.25
8.34
Habilidades de subscrição médica
7.93
7.82
Forte Habilidade no tratamento de Sinistros
7.92
7.86
Expertise atuarial
7.81
7.69
Cursos de Treinamento e Seminários Eficazes
7.59
7.49
Serviço de controle de riscos
7.38
7.29
Menos importante
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
41
MELHORES RESSEGURADORES POR FATOR
O melhor ressegurador para cada um dos 10 fatores está listado abaixo. Também estão listados em ordem de melhor primeiro - os cinco resseguradores, completando o top seis resseguradores
por fator de avaliação.
Fator & Melhor
Valor Financeiro
Munich Re
Segurança financeira
Munich Re
Conhecimento do
mercado e expertise
Munich Re
Orientação ao cliente
Hannover Re
Serviço Pontual
Gen Re
Completando o top seis
são:
Gen Re
Hannover Re
PartnerRe
SCOR Global Life
Swiss Re
Gen Re
Hannover Re
PartnerRe
RGA
Swiss Re
Gen Re
Hannover Re
Mapfre Re
Patria Re
Swiss Re
Gen Re
Munich Re
Patria Re
RGA
Swiss Re
Hannover Re
Munich Re
Patria Re
RGA
Swiss Re
Fator & Melhor
Cursos de
Treinamento e
Seminários Eficazes
Munich Re
Serviço de controle
de riscos
Munich Re
Expertise atuarial
Swiss Re
Habilidades de
subscrição médica
Munich Re
Forte Habilidade no
tratamento de
Sinistros
RGA
Completando o top seis
são:
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Mapfre Re
Munich Re
RGA
Gen Re
Hannover Re
Patria Re
RGA
Swiss Re
Gen Re
Hannover Re
Munich Re
Patria Re
Swiss Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
42
Os top três resseguradores mais bem avaliados por país para cada um dos fatores estão listados
abaixo.
Top 3 por
Fator
2013
Central
Amer
2013
Carib
Munich Re
Munich Re
Munich Re
2013 BR
2013 CL
2013 CO
2013 EC
2013 MX
2013 PE
2013
Other SA
Munich Re
Munich Re
Hannover Re
Munich Re
Swiss Re
Munich Re
Swiss Re
Segurança
financeira
Valor
financeiro
Swiss Re
Swiss Re
Swiss Re
Gen Re
Munich Re
Munich Re
Hannover Re
RGA
Gen Re,
PartnerRe
(tie)
Swiss Re
Gen Re
Gen Re,
Swiss Re (tie)
Hannover Re
Hannover Re
Swiss Re
Gen Re
Hannover Re
Munich Re
Hannover Re
Hannover Re
Munich Re
Munich Re
Hannover Re
Munich Re
Swiss Re
Swiss Re
Munich Re
Gen Re
Gen Re
Gen Re
Hannover Re
Gen Re
SCOR Global
Life
Swiss Re
Gen Re
Swiss Re
Swiss Re
Swiss Re
Munich Re
Hannover Re
Gen Re
Munich Re
Hannover Re
Hannover Re
Serviço
Pontual
Conhecimento
do mercado e
expertise
Orientação ao
cliente
Forte
Habilidade no
tratamento de
Sinistros
Habilidades de
subscrição
médica
Expertise
atuarial
Cursos de
Treinamento e
Seminários
Eficazes
Serviço de
controle de
riscos
SCOR Global
Life
SCOR Global
Life
Mapfre Re,
Munich Re
(tie)
Hannover Re
Hannover Re
Hannover Re
Munich Re
SCOR Global
Life
Hannover Re
Munich Re
Munich Re
Gen Re
PartnerRe
RGA
IRB
Munich Re
Munich Re
Swiss Re
Swiss Re
Gen Re
Mapfre Re,
Swiss Re (tie)
Hannover Re
Munich Re
Hannover Re
PartnerRe
RGA
Gen Re
Swiss Re
Gen Re
Swiss Re
Munich Re
Swiss Re
Hannover Re
Swiss Re
Munich Re
Swiss Re
Hannover Re
Mapfre Re
Munich Re
Swiss Re
Munich Re
Hannover Re
Hannover Re
RGA, Swiss
Re (tie)
Swiss Re
Munich Re
Swiss Re
Swiss Re
Munich Re
Munich Re
Munich Re
Hannover Re
Hannover Re
Gen Re
Mapfre Re
Swiss Re
Munich Re
Munich Re
Gen Re
Gen Re
Swiss Re
SCOR Global
Life
Swiss Re
Swiss Re
Hannover Re
Munich Re
Munich Re
Hannover Re
Gen Re
Munich Re
Hannover Re
Gen Re
Swiss Re
Hannover Re
Gen Re
SCOR Global
Life
Swiss Re
SCOR Global
Life
RGA
Munich Re
Munich Re
Munich Re
Gen Re
Patria Re
Gen Re
Gen Re
Gen Re
Hannover Re
Swiss Re
Swiss Re
Swiss Re
Mapfre Re
Swiss Re
Hannover Re
Munich Re
Hannover Re
Swiss Re
RGA
Gen Re
Patria Re
Hannover Re
RGA
Munich Re
Hannover Re
Gen Re,
Swiss Re (tie)
Swiss Re
Gen Re
Munich Re
Munich Re
Munich Re
Gen Re
Hannover Re
Hannover Re
Gen Re
Hannover Re
Munich Re
Patria Re
Hannover Re
Munich Re
Swiss Re
SCOR Global
Life
RGA
Gen Re,
Munich Re
(tie)
Swiss Re
Hannover Re
Swiss Re
Hannover Re
Munich Re
Gen Re
Munich Re
Swiss Re
Gen Re
Swiss Re
Patria Re
SCOR Global
Life
Gen Re
Mapfre Re
Hannover Re
Munich Re
Munich Re
Hannover Re
RGA
Hannover
Re, Swiss Re
(tie)
Munich Re
Swiss Re
Gen Re,
SCOR Global
Life (tie)
Hannover Re
Munich Re
Swiss Re
Hannover Re
Munich Re
SCOR Global
Life
RGA
Gen Re
Hannover Re
Munich Re
Swiss Re
Gen Re
Hannover Re
Munich Re
Swiss Re
Gen Re
Hannover Re
Swiss Re
SCOR Global
Life
Hannover Re
Gen Re
Swiss Re
Swiss Re
Swiss Re
Munich Re
Gen Re
Hannover Re
Munich Re
Gen Re
Hannover Re
Gen Re
Hannover Re
RGA
Gen Re
Munich Re
Swiss Re
Swiss Re
Swiss Re
Swiss Re
Hannover Re
Swiss Re
Munich Re
Hannover Re
RGA
Munich Re
Swiss Re
Hannover Re
Swiss Re
Munich Re
SCOR Global
Life
Swiss Re
Gen Re
Munich Re
Munich Re
Munich Re
Swiss Re
Hannover Re
Hannover Re
Hannover Re
Hannover Re
Swiss Re
Gen Re
Gen Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
43
MELHORES RESSEGURADORES POR VOTO E AVALIAÇÃO
As cedentes foram convidadas para votar nos resseguradores que são "os melhores, em geral”
(no máximo cinco resseguradores).
5
Os melhores resseguradores por voto estao abaixo, em ordem . Dois terços (69.2%) das
cedentes nomearam o Munich Re.
“Melhores” por Voto
2013 Global
1.
Munich Re
69.2%
2.
Swiss Re
62.8%
3.
Hannover Re
57.9%
4.
Gen Re
36.4%
5.
SCOR Global Life
31.6%
6.
Mapfre Re
27.9%
De acordo com os fatores Flaspöhler de avaliação e seleção, os melhores resseguradores são, em
6
ordem :
"Melhores" por Avaliação
2013 Global
(1/baixo-9/alto)
1.
Munich Re
8.19
2.
Swiss Re
8.13
3.
Hannover Re
8.09
4.
Gen Re
8.01
5.
RGA
7.85
6.
Patria Re
7.62
7.
SCOR Global Life
7.70
8.
Mapfre Re
7.74
A próxima página mostra as mesmas estatísticas, organizadas por país.
5
Votações favorecem companhias maiores, enquanto avaliações não favorecem nenhum tamanho de companhia em
particular.
6
Pontuações são as médias combinadas dos dez fatores de avaliação e seleção.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
44
Os top resseguradores votados e top resseguradores avaliados por país:
Países
2013 BR
2013 CL
2013 CO
Melhores por Voto
(em ordem)
Melhores por Avaliação
(em ordem)
Munich Re
Swiss Re
Swiss Re
Munich Re
IRB
Hannover Re
Munich Re
Munich Re
Swiss Re
Swiss Re
Gen Re
Gen Re
Hannover Re
Hannover Re
Munich Re
Munich Re
Swiss Re
Swiss Re
Hannover Re
2013 EC
Hannover Re
SCOR Global Life
SCOR Global Life
Munich Re
RGA
2013 MX
Hannover Re
Hannover Re, RGA (tie)
Swiss Re
2013 PE
2013 Other SA
2013 Central Amer
Munich Re
Munich Re
Gen Re
Gen Re
Hannover Re
Hannover Re
Munich Re
Swiss Re
Hannover Re
Munich Re
Swiss Re
Hannover Re
Hannover Re
Hannover Re
Swiss Re
Munich Re
Munich Re
Swiss Re
Swiss Re
2013 Carib
Swiss Re
Munich Re
Gen Re
Swiss Re
Munich Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
MAPA PERCEPTUAL DE RESSEGURADORES
Este diagrama mostra como cada ressegurador é percebido, em relação aos outros
resseguradores, de acordo com os dez fatores de avaliação e seleção.
(O centro do diagrama representa a média de todos os resseguradores.)
De acordo com o mapa abaixo Munich Re, Swiss Re, Hannover Re e Gen Re foram avaliados
muito positivamente em AMBOS os fatores de Serviços e fatores Financeiros.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
45
2013 Flaspöhler Survey
46
RESSEGURADORES MAIS UTILIZADOS
Hannover Re é o ressegurador mais utilizado
na América Latina. Eles são usados pela
metade (52,8%) de cedentes, como são
Munich Re (52,0%) e Swiss Re (51,2%).
Seguem-se os resseguradores mais utilizados
por país.
Países
Utiliza Atualmente
2013 Global
1.
2.
3.
Hannover Re
Munich Re
Swiss Re
52.8%
52.0%
51.2%
4.
5.
6.
Mapfre Re
SCOR Global Life
Gen Re
36.3%
31.5%
25.4%
Mais Utilizadas (em ordem)
IRB (Brazil)
2013 BR
Swiss Re
Munich Re
Munich Re
2013 CL
Swiss Re
Mapfre Re
Hannover Re
2013 CO
Mapfre Re
PartnerRe
Hannover Re
2013 EC
SCOR Global Life
Swiss Re
2013 MX
2013 PE
Hannover Re
Patria Re, RGA (tie)
Hannover Re
SCOR Global Life, Munich Re (tie)
Munich Re
2013 Other SA
Mapfre Re
Hannover Re
Swiss Re
2013 Central Amer
Hannover Re
Munich Re, Gen Re (tie)
Swiss Re
2013 Carib
Munich Re
Hannover Re
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
47
FACILIDADE PARA FAZER NEGÓCIOS (EODB)
Pedimos cedentes para nos dizer quão fácil é fazer negócios com as resseguradoras que eles
usam. Cedentes classificaram resseguradoras em uma escala de 0 (difícil de fazer negócios com)
a 10 (muito fácil de fazer negócios com), dando uma pontuação média para cada resseguradora.
As resseguradoras com a maior pontuação EODB são mostrados a seguir, em ordem.
Facilidade Para Fazer Negócios (EODB)
2013 Global
(0/baixo-10/alto)
1.
Patria Re
8.94
2.
Hannover Re
8.67
3.
PartnerRe
8.38
4.
Gen Re
8.20
5.
Mapfre Re
8.10
Abaixo estão as maiores pontuações EODB por país:
País
Melhores EODB *
2013 BR
Hannover Re
2013 CL
RGA
2013 CO
PartnerRe
2013 EC
Hannover Re
2013 MX
Hannover Re
2013 PE
Gen Re
2013 Other SA
2013 Central Amer
2013 Carib
Hannover Re
Patria Re
Gen Re
* EODB = Ease of Doing Business
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
PREFERÊNCIAS DE CESSÃO
Que é a maior porcentagem (%) do total cedido em resseguro no ramo de vida que você se sente
confortável de colocar com um único ressegurador?
Metade dos cedentes
(43,0%) colocariam 51%
ou mais do seu
resseguro de vida
cedido com um
ressegurador.
Qual é o Rating mínimo requerido quando seleciona um ressegurador dos ramos de vida?
Resultados para ambas as avaliações AM Best e S&P encontram-se expostos abaixo.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
48
2013 Flaspöhler Survey
49
Por que razão, se existe, você consideraria pagar um prêmio maior para trabalhar com um ressegurador
especifico?
Metade das cedentes considerariam pagar um prémio mais elevado pela Assistência no
Desenvolvimento de Produtos e / ou Serviço Superior.
Qual é o valor mínimo de capital requerido quando você seleciona um ressegurador?
Dois ter dos entrevistados não exigem um valor mínimo de capital ao selecionar um
ressegurador.
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
50
MAIORES DESAFIOS
Quais são os maiores desafios que a sua companhia enfrenta hoje? Como os resseguradores podem
ajudá-lo?
A seguir encontram-se seletos comentários literais das cedentes sobre seus maiores desafios e
como os resseguradores podem auxiliá-las com tais desafios.
Quais são os maiores desafios que a sua companhia
enfrenta hoje?
Como os resseguradores podem ajudá-lo?
“Alterar mercado em face da instabilidade política e
econômica.
Aconselhando sobre o desenvolvimento de novos
produtos compatíveis com a situação económica. “
ARGENTINA
“Desenvolvimento e implantação de seguro de
saúde em massa.
O apoio técnico e tecnológico. Informações sobre
experiências com mercados similares. “
BOLÍVIA
“Idéias de novos produtos, soluções para UW System
(como teleUW ou UW automatizado) e métricas de
risco operacional e de estudos.
Oferecendo novas idéias de produtos e soluções de
sistemas. “
BRASIL
“Gerenciamento de volumes de propostas de vida
único, e as alterações legislativas no Chile.
Compartilhar experiência outros países. “
CHILE
“Riscos ligados à longevidade e riscos financeiros.
Produtos para mitigar os riscos descritos. “
COLÔMBIA
“Desenvolvimento de produtos voluntários.
Oferecendo produtos competitivos. “
“A nova legislação, como Lei dePessoas com
Deficiência, a Lei de Controle de Mercado, o novo
sistema de reservas..
Suporte para novos projetos, financiamento, etc. “
“Mass-comercialização de seguros através de canais
alternativos: bancos, supermercados, outros..
Com produtos de valor que é agregado por nicho de
mercado. “
EL SALVADOR
“O custo de mortalidade não é compatível com a
realidade do mercado.
Para realizar estudos atuariais para melhorar o índice
de mortalidade do mercado. “
GUATEMALA
“O negócio é muito variável a cada dia. E as
respostas devem ser o mais imediatas possível. Eu
até comecei a trabalhar alguns casos baseados em
mensagens de texto de telefone celular.
Fornecendo respostas imediatas. “
HONDURAS
“As altas taxas de mortalidade.
Para encontrar soluções de negócios que ajudariam
ter maiores taxas de longo prazo. “
MÉXICO
“Automação de seleção.
Implementação Conjunta de sistemas especialistas
eficientes. “
MÉXICO
“A falta de conscientização da população que torna
possível vender mais produto de vida.
Desenvolver produtos convenientes e acessíveis. “
PARAGUAI
“A eficiência operacional. Produtividade e canais
comerciais. Melhor atendimento ao cliente.
Alinhar com as tendências globais de negócios.
Compartilhando experiências sobre implementações
bem-sucedidas de plataformas de TI mais
eficientes. “
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
Pais
REP.
DOMINICANA
EQUADOR
PERÚ
2013 Flaspöhler Survey
51
DIREÇÃO DO MERCADO
Onde você pensa que o mercado de resseguro vida da América Latina e do Caribe está focado e que
conselhos específicos você ofereceria aos resseguradores sobre enfoque para o futuro?
A seguir encontram-se seletos comentários literais das cedentes sobre direção de mercado.
Onde você pensa que o mercado de resseguro vida da América Latina e do Caribe está
focado
“Hoje temos em nosso país um novo regime de resseguro, onde eles só podem operar companias
locais legalmente constituídas nacionalmente. Há muitos que estão experimentando atualmente
ele e a eficiência é uma questão de tempo que eles precisam experiente e realizar uma autoavaliação.“
Pais
ARGENTINA
“Com o seguro de massa, eles devem fazer parcerias estratégicas a serem desenvolvidas em
conjunto com os clientes e unir experiência e tecnologia.“
BOLÍVIA
“Mercado ainda muito focado em P&C. Não há oferta de novos produtos ao mercado de vida.“
BRASIL
“O mercado caminha para um foco mais centrado no cliente, onde é importante ser flexível para ser
capaz de oferecer soluções de acordo com as necessidades. Meu conselho seria olhar para este
negócio mais como uma oferta de serviços e não apenas sobre a transferência de riscos. “
CHILE
“Seguros massificados, portanto esquecer os velhos paradigmas de subscrição. Desenvolver
produtos que são fáceis de vender e distribuir, mesmo que sejam mais caros.“
CHILE
“Na minha opinião, ele é dirigido para aumentar a participação na vida individual, porque as
pessoas tornam-se mais conscientes da necessidade de precaver-se. Da mesma forma, a cobertura
em Saúde vai aumentar devido aos limites dos serviços de saúde locais.“
COLÔMBIA
“O mercado vai crescer na área de banco-seguro e na área coletiva. As resseguradoras podem
ajudar a melhorar a comercialização dos produtos.“
COSTA RICA
“Ele é direcionado para os produtos que são mais simples e mais acessível para os mercados e para
a necessidade de fornecer uma cobertura (embora limitada) para as pessoas agora considerados
como "riscos subnormais ou agravadas.’"
EL
SALVADOR
“Está indo em direção a mercados de massa, e as resseguradoras deve projetar apoio facultativo, de
acordo com esta necessidade.“
HONDURAS
“Nos próximos cinco anos, vamos ver um crescimento importante e as economias de seguro de vida
são vistos favoravelmente pela população. Movendo-se de forma mais competitiva em todos os
aspectos. “
MÉXICO
“Rumo à expansão dos produtos comercializados através de novos canais de vendas com subscrição
simplificada e de fácil operação, como se refere a sinistros.“
MÉXICO
“O mercado latino-americano tem um grande futuro, uma vez que a nossa educação no seguro
ainda não está no nível dos países desenvolvidos, e por causa disso ele tem um grande potencial e,
portanto, a ajuda do ressegurador na tentativa de proporcionar uma educação sobre o seguro iria
proporcionar a oportunidade que a educação vai dar frutos para todos.“
NICARÁGUA
“Vida será baixo no esquema de seguros massificados ou novos canais.“
VENEZUELA
OUTROS COMENTÁRIOS
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
52
Que mais você gostaria de dizer aos resseguradores que patrocinam este estudo?
A seguir encontram-se seletos comentários literais das cedentes.
Que mais você gostaria de dizer?
País
“Para agradecer-lhes pelo esforço que colocou em conectar com todos os cedentes por meio dessas
pesquisas, descobrindo as suas necessidades e as relações de mercado. Cada ferramenta de
comunicação é necessária e eles elaborará conclusões relativas ao benefício da empresa e de todos
os seus operadores. “
ARGENTINA
“Parabenizar pelo projeto. E também que a proximidade é essencial para entender as necessidades
do segurador podendo então sugerir melhorias/projetos/oportunidades. “
BRASIL
“Excelente iniciativa, muito bom poder dar minha opinião, espero que melhore a forma de trabalhar
resseguro no Brasil. “
BRASIL
“As resseguradoras devem ser mais pró-ativa em mercados locais, aproveitando o seu conhecimento
global e trazendo novas iniciativas que foram bem sucedidas em outros países. Eles também devem
ser agentes importantes na avaliação técnica de produtos, contribuindo mais informações do que a
taxa para o resseguro. “
CHILE
“Eu acho que é excelente que eles conduzem pesquisas deste tipo. Ela ajuda a melhorar e oferecer
melhores condições para as companhias de seguros. Ele definitivamente faz você se sentir integrada,
parte do negócio, com certeza "parceiros". Parabéns! Obrigado. “
CHILE
“Pensamos que todos os meios e ferramentas que os resseguradores usam para se aproximar e
tornar-se mais familiarizados com cedentes ajudar a melhorar essa relação que é muito
importante. “
“Eles devem ser flexíveis, de acordo com o mercado onde eles estão operando e deve oferecer um
serviço eficiente. “
COLÔMBIA
REP.
DOMINICANA
“O treinamento é indispensável assim como é constante interação com seus clientes. Estes aspectos
facilitam o alinhamento da seguradora-ressegurador. O estudo de casos particulares podem ajudar a
entender o mercado em que trabalhamos e suas necessidades, de tal maneira que estabelece um
quadro flexível ao estabelecer condições para novos negócios. Retenção e cessão são elementos que
devem sempre ser de interesse mútuo. “
EQUADOR
“Eu acho que as resseguradoras são nossos parceiros estratégicos, e é importante para compartilhar
estatísticas e discuti-las com o objetivo de alcançar um crescimento mútuo no mercado LATAM, que
sem dúvida promete muito. “
GUATEMALA
“Obrigado por esta pesquisa, pois permite-lhes a conhecer a necessidade atualmente temos em
relação à subscrição de vida. “
HONDURAS
“Obrigado por coordenar esse levantamento. Significa estar interessado em seus clientes e melhorar
a qualidade dos seus serviços.”
MÉXICO
“Desenvolver modelos simplificados para subscrição online. Os novos desafios para as companhias
de seguros são digitais. É essencial que eles contribuem com seu conhecimento nesta área. “
MÉXICO
“Para levar em consideração as respostas que os clientes deram e que seria uma oportunidade de
melhoria real para os seus negócios. “
NICARÁGUA
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
53
DEMOGRAFIA
Em que tipo de companhia você trabalha?
Um terço (37,5%) dos respondentes representam companhias Estrangeiras com escritórios na
América Latina/Caribe, enquanto mais da metade são companhias puramente Locais.
Qual é a sua estimativa do volume de resseguro cedido no ramo de vida em USD (incluindo facultativo e
contratos) para todo o ano 2010?
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
2013 Flaspöhler Survey
Países Respondentes
Os resultados totais neste relatório foram obtidos de respostas nos seguintes países:
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.
54
2013 Flaspöhler Survey
55
Abaixo segue um gráfico detalhando quais são os países que estão em cada categoria de países.
2013
BR
País
2013
CL
2013
CO
2013
EC
2013
MX
2013
PE
ARGENTINA
2013
Other
SA
2013
Central
Amer
2013
Carib
36.7%
BARBADOS
5.3%
BELIZE
3.2%
BERMUDAS
15.8%
BOLÍVIA
33.3%
BRASIL
100%
CHILE
100%
COLÔMBIA
100%
COSTA RICA
6.5%
REP. DOMINICANA
EQUADOR
47.4%
100%
EL SALVADOR
22.6%
GUATEMALA
19.4%
HONDURAS
16.1%
JAMAICA
5.3%
MÉXICO
100%
NICARÁGUA
9.7%
PANAMÁ
22.6%
PARAGUAI
6.7%
PERÚ
100%
PORTO RICO
15.8%
TRINDADE E TOBAGO
10.5%
URUGUAI
6.7%
VENEZUELA
16.7%
Países não mostrados acima não tiveram qualquer resposta.
The End
© 2014 Flaspöhler Research Group. All rights reserved.
No part of this material may be reproduced or transmitted in any form or by any means, electronic or mechanical, including
photocopying, recording, or anyother information storage and retrieval system, without the written permission of Flaspöhler
Research Group.