ANÁLISIS DE LOS MICROSEGUROS QUE COMERCIALIZA ACE SEGUROS A TRAVÉS DEL CANAL BANCO DEL BARRIO

Abstract

This investigation paper has as principal objective to do an analysis of themicroinsurances actual situation which are sold through “Banco del Barrio” by the insurance company “ACE” in Guayaquil, this type of product has as principal approach to satisfy the security needs of the well-known base of the pyramid, making reference to the people that are in a low social economy level in a population. To do this paper I took into account some topics, as the microinsurance origin and development in the region and in our country, as well as a detail analysis of “Banco del Barrio” from the idea conception to the implementation and final results. Finally I concluded that the microinsurance sold by ACE through the different distribution channels make a big security contribution to people that have it, becausethe insured and his/her family have multiples benefits.