Mercado de seguros : análisis de riesgo y accesibilidad de la sociedad en la ciudad de Guayaquil periodo 2006-2016.

Abstract

The objective of this research is to describe the functioning of the insurance market in Guayaquil and the factors that affect the access of society to the different types of insurance offered. The method applied is deductive, with a scope of research at a descriptive level, given that each branch of the insurance market is presented in detail in Guayaquil, characterizing it and identifying how the risk is analyzed, the types of risks and management Carries out in the insurance market to face the aforementioned risks. It develops the theoretical framework around the insurance market, the typologies and branches of insurance, the risk, types of risk and the management that is carried out from the insurers. Primary and secondary information is collected. Primary, since surveys are applied to the population of Guayaquil, who have taken some type of insurance. Interviews are conducted with managers of insurance companies and regulatory authorities. Secondary, since it reviews and analyzes scientific documents in relation to the subject of study and uses information of database existing in the superintendence of companies of Ecuador. As a main conclusion, one has that the insurance market in Guayaquil is not very dynamic and this does not allow a significant growth. The company has very little access to the insurance offered in the Guayaquil market due mainly to the insufficient income levels, the low level of confidence, high amount of premiums and the asymmetry of the information that has the insurers.