Eugenio Velasques Executive Director and Head of Microinsurance Bradesco Seguros. A case study in insurance for low-income people

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1 Eugenio Velasques Executive Director and Head of Microinsurance Bradesco Seguros 7th International Microinsurance Conference A case study in insurance for low-income people

2 FEATURES TO BE BE CONSIDERED MARKETING EDUCATION PRODUCTS SERVICES DISTRIBUTION CHANNEL FOCUS VOCATION RESEARCH KNOWLEDGE TECHNOLOGY

3 FEATURES TO BE BE CONSIDERED MARKETING EDUCATION PRODUCTS SERVICES DISTRIBUTION CHANNEL RESEARCH KNOWLEDGE TECHNOLOGY

4 EXTREME VOCATION FOR RETAILER AND MASS MARKET IN LARGE SCALE PERFECT UNDERSTANDING: WHAT IS A LOW INCOME MARKET SPECIALIZED AND DEDICATED TEAM TO BE PERCEIVED AS SUPPLIER

5 FEATURES TO BE BE CONSIDERED MARKETING EDUCATION PRODUCTS SERVICES DISTRIBUTION CHANNEL FOCUS VOCATION TECHNOLOGY

6 KNOW IN DETAILS THIS MARKET. CRITICAL SUCESS FACTOR IT WORKS DIFFERENT MANY WERE MADE IN DIFFERENT FORMS UNDERSTANDING: WHAT ARE THE RISKS HOW TO OFFER AND TO SELL THE PRODUCT LIVING WITH THE MARKET

7 MAIN FEARS

8 MAIN FEARS AT LEAST 30% : INCOME EXTRA JOB R $ 1,495 R $ 2,354

9 FEATURES TO BE BE CONSIDERED MARKETING EDUCATION Produtcs SERVICES DISTRIBUTION CHANNEL FOCUS VOCATION RESEARCH KNOWLEDGE

10 THE SYSTEMS HAS DEVELOPED TO PROCESS LARGE VOLUME DATA OUTSOURCING PLATFORMS FLEXIBLE AND TAYLOR MADE HIGH CAPACITY OF CONTROL LOW COST OF PROCESSING CONNECTIVITY WITH THE SYSTEMS AND TECHNOLOGY INNOVATION

11 FEATURES TO BE BE CONSIDERED MARKETING EDUCATION DISTRIBUTION CHANNEL FOCUS VOCATION RESEARCH KNOWLEDGE TECHNOLOGY

12 DESINGNED IN ACCORDANCE SPECIFIC NEEDS CASES: BRADESCO SEGUROS PRODUCT TIME LINE: PA, FUNERAL, UNEMPLOYEMENT, CREDIT LIFE, LIFE, HOME, DENTAL, CAR, DISABILITY, PC, RURAL AND HEALTH THE PRODUCT IS DESIGNED AS DEFINED IN RESEARCH THE CHALLENGE OF THE PRICE THE PRODUCT IS FOR THE SEGMENT. THE COSTUME SERVICE IS THE SAME

13 PORTFOLIO TRADITIONAL PORTFOLIO TRADITIONAL POPULAR INSURANCE MICROINSURANCE POPULAR INSURANCE MICROINSURANCE MICROINSURANCE SOCIAL PROTECTION

14 ACCIDENTAL DEATH COVERAGE: US$ 11,000 FIRST PROTECTION BRADESCO US$ 1,89 / MONTH

15 LIGHTNING, FIRE, EXPLOSION AND LANSLIDE COVERAGE FROM: US$ 5,550 BRADESCO HOME TICKET US$ 5,50 / YEAR

16 FEATURES TO BE BE CONSIDERED MARKETING EDUCATION PRODUCTS SERVICES FOCUS VOCATION RESEARCH KNOWLEDGE TECHNOLOGY

17 CAPILLARITY / GOES WHERE THE MARKET IS ELECTRONIC DOOR TO DOOR NGO S AND COOPERATIVES FORCES OF ADDITIONAL INCOME SMALL RETAILERS CORRESPONDENT BANK LOCAL BROKERS MASTER BROKERS

18 MICROCENTERS MACRO MCC CENTER

19 STRATEGIC POINTS

20 STRATEGIC POINTS

21 FEATURES TO BE CONSIDERED PRODUCTS SERVICES DISTRIBUTION CHANNEL FOCUS VOCATION RESEARCH KNOWLEDGE TECHNOLOGY

22 EDUCATION IS THE KEY ACTION. TRADITIONAL MARKETING IS SUPPORT USING LOCAL AND SPECIFIC MEDIAS THE REGION, THE CITY, THE NEIGBOTHOOD BECAME MACROMERCADOS RETURN ON INVESTMENT - LONG, LONG TERM

24 JORNAL EXTRA - RIO DE JANEIRO May, 9TH 2010

29 MILESTONES AND RESULTS

30 IN 70 S SALES OF LIFE INSURANCE FOR LOW INCOME PEOPLE LARGEST INSURANCE COMPANY IN LA PREMIUMS AND POLICY HOLDERS 2004: PIONEER IN POPULAR INSURANCE SUSEP 2010: THE FIRST INSURANCE COMPANY TO LAUNCH PRODCTUS WITH CONCEPTS AND PHILOSOPHY OF MICROINSURANCE 24% OF NEW LIFE INSURANCE CLIENTS IN 21 MONTHS. FIRTS POLICY IN THEIR /BradescoSeguros /BradescoSegurosSA

31 TRAINING 30% INSURANCE BROKERS 2005: UNIVERSEG INSURANCE UNIVERSITY MORE THAN 15 MILLION CUSTOMERS PAY LESS THAN U$ 5,50 PER MONTH 2011: 13% OF THE HOMES ON THE SANTA MARTA SLUM / RJ HAVE INSURANCE 2009: HAS AT LEAST ONE POLICY IN EACH ONE BRAZILIAN /Bradesco Seguros /BradescoSegurosSA

32 PIONEERING AND INNOVATION TECHNOLOGY AND PRODUCT DESIGNING 2011: IT IS THE FIRST NATION INSURANCE COMPANY TO SELL INSURANCE USING MOBILE PHONE AND POS IN LARGE SCALE 2011: INNOVATION GRANT - MICROINSURANDE INNOVATION FACILITY/ILO / ILO BRADESCO PROTECTION. EASY /Bradesco Seguros /BradescoSegurosSA

34 ... Send velasques bradesco.com.br phone: Call me... bradescoseguros.com.br

36 Eugenio Velasques Executive Director and Head of Microinsurance Bradesco Seguros 7th International Microinsurance Conference A case study in insurance for low-income people

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