MAP20260001371Trends and elements for the development of insurance markets / MAPFRE Economics. — Madrid : Fundación MAPFRE, 2025114 p.Traducción de: Tendencias y elementos para el desarrollo de los mercados aseguradores. - Madrid : Fundación MAPFRE, 2025Conceptual framework regarding the determinants of insurance penetration levels -- Determinants of insurance penetration levels on the supply side -- Determinants of insurance penetration levels on the demand side -- Summary and conclusions. — Sumario: 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 society1. Mercado de seguros. 2. Penetración del seguro. 3. Demanda de seguros. 4. Oferta contractual. 5. Canales de distribución. 6. Instrumentos financieros. 7. Educación financiera. 8. Cultura aseguradora. 9. Tendencias. I. Fundación MAPFRE. Área de Seguro y Previsión Social. II. MAPFRE Economics. III. Título.
