Everyone is very sad. He was sick and now is resting. Poor Aparecida. What a shame dear

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2 Message This material was prepared to offer people, in a simple and illustrative way, information on how to contract insurance. Many times, the lack of information is the main responsible for the lack of protection in the most difficult moments lived by people. Insurance exists, precisely, to help protect the families during difficult moments. For example: When you lose a job; When you lose a dear one; When you have problems with the car; When you want more security for your home; This material shows that, with Insurance, it is possible to avoid future headaches and to stay at ease, even in unexpected situations. Have a good reading!

3 It was very, very sad, said Mrs. Maria to the family when she arrived from Josias s, her friend s husband, funeral. Everyone is very sad. He was sick and now is resting. Poor Aparecida. What a shame dear mother in law! And how is the family? 4 5

4 The funeral was very expensive! We all had to tip in to help the family pay for the expenses. UAU, they must be a bundle of nerves. Thanks my friend! What would happen to me if it wasn t for you guys... From the kitchen, Marta listens to everything. JOSIAS 6 7

5 Marta changes the subject with some good news. After the renovation that Isaura, my employer, did at the beauty parlor with the money paid by insurance because her husband died, the number of clients increased. The beauty parlor looks great, there is even a computer. It was very lucky that my employer s husband made a life insurance. Now she can support herself. That s true mom, we never think that the worse can happen to us. Yeah, and we never think about tomorrow and leave everything to the last minute. 8 9

6 At night watching TV, Mrs. Maria just can t forget what happened to her friend s husband. During the next breakfast, Mrs. Maria touches the subject. Not even have money for the funeral that s tough. Is there anything we can do so we do not have to go through that? Pedro, I think it is time you made insurance for us. Do you know how it is done? Mom, Mrs. Isaura said that an insurance broker and friend of the family that explained it all. I don t know...i think insurance is too expensive! Right then, an insurance ad airs on TV. That s it, Insurance! That is why Marta s employer ended up so well, and Aparecida, who did not have insurance, has it worse. Insurance, make yours and protect your family. I need to talk to my daughter and Pedro to buy Insurance for our family!!! 10 11

7 At the end of the day, the family talks In the middle of this conversation... I ve already asked Mrs. Isaura to ask the broker to come visit us. He will have to explain how we pay for this. I still think insurance is not for our family! Let s wait for the guy. He can help us understand how this insurance thing works. But Pedro, Mrs. Isaura s Family is just like ours and her husband bought the insurance; I think it could work out. Ricardo, the insurance broker arrives, sent by Mrs. Isaura from the beauty parlor

8 Pleased to meet you! I am Ricardo, Mrs. Isaura s friend. I know it s late, but she said that I could pass by now. There are many different types of insurance to protect all kinds of family I came here to explain and answer the doubts you might have....there is life and car insurance, funeral insurance. And of course, they have different values. Your family can pay the insurance cash or in small monthly installments. There is insurance where the installment cost the same as 3 packs of cookies

9 Hummmm this means that if I make funeral insurance for myself and I die, Marta will not have to worry about the expenses? But if I pay a small amount, where does the money to pay for all the expenses come from? And how do we buy insurance? 16 17

10 Mr. Pedro, that s it. The insurance is a protection for people and it helps cover the expenses when something unexpected happens. This way you do not have to ask family and friends for help. It s easy Mrs. Maria, you just have to talk to me or any other insurance broker. The broker will deliver a document called insurance proposal with all the information and to be signed. After everything is OK, the insurance company sends the slip to be paid in the bank. That s how it works Mrs. Marta. The insurance company gathers the money from all the people that buy insurance. It works like a pool in advance, but with a lot of people. In the case of Pedro s example, since not everyone dies at the same time, the insurance company pays case by case, as people die

11 Thanks god! Now we know how to protect our today and the days to come in the future. I like it! I am convinced. Now I know insurance is not just for the rich, let s make the insurance and protect our family. For a long time we did not have insurance because we did not know anything about it. Insurance Proposal Hey, it s really easy to have insurance! Before contracting any insurance, research. Make all the questions and clear any doubts with a broker or directly with the insurance company. Check if the value fits your budget. Organize your home budget before buying any product or goods

12 Now that you know how insurance works and how to buy it, talk to your broker to choose the best insurance to protect your family. Masthead: Initiative and Coordination: CNseg Rua Senador Dantas, andar - Centro - Rio de Janeiro - CEP: Copyright and Production: Nextar Communications; 1818 Comunicação; LPC Visual; Translated by LQuest Illustrations and Art: Leandro Spett, Carlos Antonio A. Araújo and Alexandre c. Fukugava

13 Do like the ESTOU SEGURO FAMILY: Make Insurance and protect you family too!