Análisis del impacto de la siniestralidad de las compañías del seguro del sector Vida de la ciudad de Guayaquil periodo de pandemia Covid 19.

Abstract

An investigative work was carried out on the Impact on Claims in Life Policies during the Covid 19 period in insurance companies. This analysis was given through investigations within the pages of FEDSEG and Superintendency of Companies, Securities and Insurance, which we were able to notice the high index that was marking the accident rate or eventuality in these life insurance policies that were affected during the Covid 19 period As of March 2019. Through the interviews carried out with some people from different areas of the insurance environment, which told us about the deficiency when analyzing in a timely manner the pricing for catastrophic illnesses regardless of age. For this reason, it is proposed to rate and add additional questions to the declaration form to be able to accept a risk in a timely manner and avoid such a high accident rate.