Ensure sustenance of the family in case of death cares less Brazilian than having a stolen car : insurance people - which includes personal accident and life - is 31 % of the market , against 40 % of the car , according to Susep ( Superintendence of Private Insurance ) , 2012 . Already the cost of hiring a life insurance policy is much smaller than that of cars . According to research from the Protest , the monthly amount can vary from £ 16 to £ 213, according to age . The price also varies among insurers and capital employed .
Insurance of persons represented 31 % of the insurance market in 2012 , according to Susep
The low price, however, can not be only requirement to close a contract . Before making life insurance , you need to have extra attention to byproducts of the plan . There is risk of paying for unnecessary coverage or left uncovered in specific situations , the researcher warns of Protest , Gisele Rodrigues .
According to Susep , insurance people increased 14.3 % among all insurers in 2012 , accompanying the trend of previous years . The director of life insurance BB / Mapfre , which owns 19.6 % of this market , Benedict Zanzini , attributes the increase to the higher purchasing power of the middle class , now aspire for family protection .
"Consumers looking for life insurance is predominantly male , married with children , and usually has more than 30 years," says the executive . Unmarried or younger people tend to seek more insurance personal accident , which exclude death , according Zanzini . "How much younger , lower the perceived need to have life insurance ," he says .
Renato Spadafora , director of operations Segurar.com , which sells insurance over the Internet , states that life insurance is much sought after by people with little or newborn children , regardless of sex . " When you have a downward , the individual is sensitive to the desire to ensure a standard of living in their absence ," analyzes .
Have people with kids that have achieved financial independence usually transfer the concern for the spouse , Spadafora says.
The product becomes more expensive with increases in age
The availability of money is the main advantage of life insurance relative to other investments , believes the executive Mapfre . " If the owner of a property at $ 1 million lost their lives , we need to find a buyer and pay about U.S. $ 40,000 for the transfer tax ."
To calculate the capital insurance - amount of compensation - you need to assess which expenses the family will have in the absence of the insured , and for how long . It should be taken into account , remember Gisele , if there are children of school age . You also need to read the policy carefully and know the exclusions of insurance in order to avoid unpleasant surprises .
" If the insured has a preexisting disease must inform the insurer beforehand , lest she refuses to compensation," says the researcher . A survey by Protest with nine companies and 17 plans noted that none offered the most sought additional coverage , such as serious illness, disability, accident or death of a spouse ."
