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Commissions Commission for commercialization and distribution payed by insurance companies and health plan operators to brokers, financial institution and other insurance companies.
Retail Distribution Insurance commercialization using retail networks. Growing practice in Brazilian insurance market with the sale of, generally micro insurance, at retail stores.
D&O Civil liability insurance hired between a partnership and an insurance company, with the purpose of financially protect the administrators of eventual risks resulting from their decisions in the management of such partnership.
DPVAT Mandatory insurance for personal damage caused by land auto-vehicles, or their cargo, to people, transported or not.
Great Risks Group of insurances focused on great infrastructure works, which groups insurances for engineering risks, guarantee risks, operational risks and civil liability risks, according to high value criteria.
PGBL Free Benefits Generator Plan, social security plan mode that allows the restitution on the income tax up to a limit of 12% of the total taxable revenue.
Direct Premium Value referring to the total of premiums issued by the insurance companies, not considering cancelations and restitution, used as a basis for defining the measurement of the national and international insurance markets.
Issued Premium Value charged by insurance companies from their insured, stipulated on the issued policies, used as a basis for defining the commissions payed to brokerage partnerships. The value of the Issued Premium intermediated by the Brokerage Partnerships is calculated individually with basis in management and control systems of each Brokerage Partnership.
Financial Risks Products present in insurance market with the purpose of preserving the insured capital or guaranteeing the payment of financial compromises, as, for example, the insurances for credit, unemployment, prestamista, financial guarantees and fiança locatícia.
Vehicle Insurance Personal or Companies insurance for auto-vehicles or fleets, covering losses, such as collision, fire and theft, besides liability for damage to third parties or employees.
Housing Insurance Insurance acquired at the moment of the real estate financing contract, which guarantees the integrity of the insured real estate, which is itself the guarantee of the loan, that in a eventual recovery of the real estate by the financial agent, the real estate suffer the least depreciation possible. In order to cover damages of personal and material nature, the insurance covers death or disability of the insured and physical damage to the real estate (fire, explosion, landslide and flooding). This kind of insurance is mandatory in the loans at the Housing Financial System - SFH.
Health Insurance Health insurances offered both to personal as to companies (group of participants or employees). This kind of insurance includes the following categories: personal accident, travel, individual health, dental and social security.
Extended Guarantee Insurance Its purpose is to provide the insured the extension and/or complementation of the original factory guarantee, established in the contract of purchase and sale of durable consumer goods, upon premium payment.
Micro Insurance Segment Protection for low-income population against specific dangers in exchange for regular payment of premium. Characterized for being simple policies and with ease of understanding.
Life Insurance Life Insurance for personal and companies, under which is agreed the payment to the insured or his beneficiary of an amount previously established in case of death or invalidity.
VGBL Life Generator of Free Benefits, social security plan mode in which income taxing occurs at the moment of the withdrawals during the contribution period or in occasion of receiving the retirement monthly revenue.