As of mid-2013, the major trends that make Brazil one of the most exciting and dynamic insurance markets globally remain intact. Thanks to the steady fall in interest rates, the general improvement of perceived macro-economic risks and commercial initiatives by the insurance companies themselves, premiums are growing rapidly: this is at a time that leading players in both the non-life and the life segments are achieving high levels of profitability. Over the medium-term the only constraint on growth will be insurers’ ability to raise capital to support their businesses. To a greater extent than their counterparts in other large emerging …
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