Currently, funeral insurance is very popular in Brazil, as are types of insurance bought through utilities and retailer chains - for example, extended warranties on white goods, personal accident insurance or some limited form of home insurance. Market research showed that any type of coverage the provides for illness - or the ancillary expenses, such as loss of income, travel expenses, etc, when a person is ill or in hospital - is in high demand.
A very interesting feature of the Brazilian market is the emphasis on "benefits in life." Brazilians love and celebrate living, but do not necessarily want to think about death (read: life insurance).
Hence products that bundle some other, tangible benefits that are likely to give you some value while alive into a personal accident or life insurance product are most popular. Be it in the form of medicine discounts, free clinic visits up to a certain benefit, home insurance coverage, food hampers upon giving birth, grocery vouchers, etc.
Arguably the most important "benefit in life" is the "capitalization" component added to most microinsurance products. This is a unique Brazilian savings product that contains a lottery component. In the case of microinsurance, insurers typically buy the savings product, entitling them to cede only the lottery component to clients.
最も重要な「存命中の恩恵」とは、ほぼ間違いなく、殆どのマイクロ保険商品に付加されている「資本化」要素である。これは、宝くじの要素を含んだブラジル特有の貯蓄商品である。マイクロ保険の場合、通常、保険業者が貯蓄商品を購入し、宝くじ部分だけを顧客へ譲渡する権利が得られるのである。
