Trends and elements for the development of insurance markets

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      <subfield code="a">Insurance plays a fundamental role in delivering economic stability and strengthening savings, investment, and capital formation processes by offering protection against risks, and compensation in the event of them materializing, all of which contributes to ensuring the continuity of productive activity. Insurance groups are also major institutional investors in that they channel long-term resources into the financing of productive activity. Based on a comparative analysis of international experience, this report identifies aspects related to prudential regulation, innovation and new insurance products, cost efficiency, distribution channels, insurance as a public policy instrument (tax incentives, compulsory insurance, and participation in support of other areas of activity), financial education, and financial inclusion in insurance as the main areas that need to be addressed in order to boost insurance penetration, thereby seeking to expand the coverage afforded by this instrument and recognizing its capacity to raise levels of well-being in society</subfield>
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