Criterios que intervienen en la toma de decisión de compra de un seguro de vida en los habitantes de la ciudad de Bogotá de estratificación socioeconómica media

Abstract

This research project reflects a general vision of the current behavior and during the last two decades of the insurance sector, especially in individual life insurance, establishing particularities of the market conditions in reference to the life branch. On the other hand, the phenomenon is analyzed by which the population in the city of Bogotá of middle socioeconomic stratum (4), according to the classification of the National Administrative Department of Statistics, there is no culture rooted in insurance, therefore, those who they have acquired it at some point, most of it has been derived from some contractual obligation and not from voluntary action. Through the application of a survey, this research delves into the criteria that intervene in the decision-making process when purchasing a life policy, determining a strategy aimed at promoting life insurance on a voluntary basis, encouraging savings in the long term, at the same time mitigating the risk against the possible death of one of the family members, so that the beneficiaries are economically favored by strengthening the family heritage.