Análisis del perfil de los clientes de seguros de vida en la ciudad de Machala.

Abstract

The investigation raises as a problem the scarce existing information on the low contracting of life insurance in the Machala canton. The general objective is to determine the profile of the life insurance client in the city of Machala. The methodology is exploratory, quantitative, descriptive and field. The population is families with no incidence of poverty in the Machala canton. The sample was calculated on an infinite population at 5% error and 95% confidence, amounting to 325 families. A questionnaire with 15 questions was applied, each one with objective answers. Additionally, interviews were applied to qualified informants. The main conclusions are: i) Seguros Condor ranked eighth in 2019 in the equity rating. Its three branches with the largest participation are vehicle, group life and fire insurance and allied lines; ii) the average age of the typical client is 47 years old, they have a family with adolescent children, 21.6% of them have contracted life insurance; other insurance contracted are vehicle and prepaid health; around 50% allocate or would allocate between US $ 26.00 to 75.00 per month to pay for life insurance; iii) The type that would focus on Machala and areas of influence are individual and group life insurance for households without incidence of consumption poverty. And for credit life insurance they are commercial organizations and the popular and solidarity sector (savings and credit cooperatives).