Seguro de vida individual, uma proteção, uma cultura a ser difundida

Abstract

Individual life insurance is the sale of financial protection against some adverse event to occurs in a person's life. Insurance entered Brazil along with European colonization. Among the basic foundations of the insurance contract are mutualism, good faith, social function, and autonomy of will. Due to the growth of the individual life insurance sector in recent years, the present study aims to bring an understanding of the concepts that involve the subject of contracting individual life insurance. In Brazil this market is very small when compared to other countries in the world, it should be noted that this has a lot to do with the Brazilian economic, social, and political factors that directly influence people's decision-making. The progress of individual life insurance is linked to the emergence of several insurers, including international ones, that invest in encouraging consumers to obtain new solutions for their misfortunes. The opening of the Brazilian market to foreign insurance companies is strictly in line with the trend of market globalization, which in recent years has been taking place on a global scale. In view of this, the importance of records of technologies involved in this theme arises, as well as improvement processes, such as the technological prospection of insurance patents. The research uses qualitative and quantitative methodology, its nature is basic and exploratory. In view of the above, it can be noted that there is a growing market with regard to individual life insurance, where Brazil needs to stimulate greater interest in this category of insurance, since in other countries, for example: USA; China; Japan; Canada and Korea, there is a great demand for registrations in the International Patent Database of the European Office, Espacenet. It is emphasized how the method of such records promotes gains to the market, obtaining future forecasts, what is new in technologies and resulting in a more competitive and innovative market.