{"id":10969,"date":"2020-01-03T20:34:49","date_gmt":"2020-01-03T22:34:49","guid":{"rendered":"https:\/\/www.portaldenoticias.net\/ffsantos\/?p=10969"},"modified":"2020-01-03T21:00:19","modified_gmt":"2020-01-03T23:00:19","slug":"10969-2","status":"publish","type":"post","link":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/","title":{"rendered":"COLUNA DO DILMO: ANO II NUMERO 09 &#8211; SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA &#8211; MUDAN\u00c7AS E CRESCIMENTO EM 2019"},"content":{"rendered":"<p><a href=\"https:\/\/www.portaldenoticias.net\/ffsantos\/10969-2\/binoclo\/\" rel=\"attachment wp-att-10971\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-10971\" src=\"https:\/\/www.portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO.jpg\" alt=\"\" width=\"626\" height=\"417\" srcset=\"https:\/\/portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO.jpg 626w, https:\/\/portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO-300x200.jpg 300w\" sizes=\"auto, (max-width: 626px) 100vw, 626px\" \/><\/a>O ano de 2019 tem sido um per\u00edodo cheio de novos acontecimentos no mercado de seguros, tanto em termos de regras, j\u00e1 vigentes ou ainda a serem cristalizadas, quanto em termos de novas iniciativas, como por exemplo as Insurtechs (&#8230; e Fintechs).<\/p>\n<p>Todos esses fatores v\u00eam alterando tradicionais comportamentos da ind\u00fastria de seguros, afetando todos os players de mercado de diversas formas e intensidades.<\/p>\n<p>Apesar disto, previs\u00f5es variadas no ano passado apontavam crescimento para o mercado segurador em 2019, sendo que tais proje\u00e7\u00f5es indicavam entre 6,9% e 10,6%, com varia\u00e7\u00f5es ainda acerca de inclus\u00e3o ou n\u00e3o de DPVAT, mas com uma coisa em comum: Pessoas e Previd\u00eancia seriam os setores que figurariam como carros chefes, previs\u00e3o essa que se concretiza.<\/p>\n<p>Utilizando-se dados estat\u00edsticos combinados, abrangendo o mercado segurador at\u00e9 o m\u00eas de outubro e Sa\u00fade Suplementar at\u00e9 junho, apresenta-se o seguinte quadro de arrecada\u00e7\u00e3o, em R$ bilh\u00f5es:<\/p>\n<p><strong>Ramo\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a02018\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2019\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Varia\u00e7\u00e3o<\/strong><\/p>\n<p>Capitaliza\u00e7\u00e3o\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 17,4\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 19,6\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 + 12,6 %<\/p>\n<p>Ramos Elementares sem DPVAT<strong>*<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a058,3\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 61,6\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 +\u00a0\u00a0 5,7 %<\/p>\n<p>Ramos Elementares com DPVAT<strong>*<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a062,5\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 63,3\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 +\u00a0\u00a0 1,3 %<\/p>\n<p>Pessoas (risco)\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a034,1\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 38,3\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 + 12,3 %<\/p>\n<p>Sa\u00fade Suplementar\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0 96,9\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 104,2\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 +\u00a0\u00a0 7,5 %<\/p>\n<p>VGBL \/ Previd\u00eancia Complementar<strong>*<\/strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a089,0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 103,8\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 + 16,6 %<\/p>\n<p><strong>Total s\/ DPVAT\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 295,7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 327,5\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 + 10,8 %<\/strong><\/p>\n<p><strong>Total c\/ DPVAT\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 358,2\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 390,8\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 + \u00a0\u00a09,1 %<\/strong><\/p>\n<p><strong>\u00a0<\/strong><em><strong>Obs.:<\/strong><\/em> o DPVAT apresentou decrescimento entre 2018 e 2019, raz\u00e3o pela qual se verifica uma raz\u00e3o de evolu\u00e7\u00e3o menor nos ramos Elementares quando se acrescenta aquele tipo de seguro.<\/p>\n<p>(bases CNSeg e, Carta de Conjuntura do Setor de Seguros &#8211; Sindseg-SP \/ Sincor-SP*)<\/p>\n<p>Essa constata\u00e7\u00e3o de crescimento mais uma vez mostra que, ainda que permane\u00e7a pequena a contrata\u00e7\u00e3o de seguros pelos brasileiros em rela\u00e7\u00e3o a mercados mais desenvolvidos no segmento, a ind\u00fastria securit\u00e1ria nacional continua firme no sentido da evolu\u00e7\u00e3o positiva.<\/p>\n<p>\u00c0 exemplo das mudan\u00e7as na matriz de distribui\u00e7\u00e3o de comercializa\u00e7\u00e3o de seguros no mercado, como j\u00e1 vimos desde 2018, ano que em ocorreu a invers\u00e3o de posicionamento entre o ramo de Autom\u00f3vel, tradicional l\u00edder do mercado, e o seguro de Pessoas, esta situa\u00e7\u00e3o dever\u00e1 se repetir at\u00e9 o final deste ano.<\/p>\n<p>Segundo dados da Susep (base SES), o valor de pr\u00eamio de seguros de 2019, at\u00e9 o m\u00eas de outubro, soma R$ 26,2 bilh\u00f5es para os ramos de seguros de Pessoas (sem VGBL), contra R$ 22,8 bilh\u00f5es para os ramos de Autom\u00f3vel. Para os dez primeiros meses deste ano em rela\u00e7\u00e3o a 2018, o crescimento na contrata\u00e7\u00e3o de seguros de Pessoas foi de 12,6 %.<\/p>\n<p>Verifica-se tamb\u00e9m, conforme o quadro j\u00e1 apresentado, que entre 2018 e 2019 os ramos de seguros de Pessoas cresceram mais do que duas vezes o crescimento dos ramos Elementares (sem DPVAT), devendo apresentar resultados positivos mesmo ap\u00f3s a dedu\u00e7\u00e3o da taxa de infla\u00e7\u00e3o.<\/p>\n<p>Esses n\u00fameros apontam para uma mudan\u00e7a importante a ser devidamente estudada, objetivando o entendimento dos motivos que a levaram a acontecer.<\/p>\n<p>Importante registrar que no segmento de Previd\u00eancia Complementar, segundo estudo executado este ano pela Associa\u00e7\u00e3o Brasileira das Entidades dos Mercados Financeiro e de Capitais (Anbima), 58% dos brasileiros n\u00e3o possuem nenhum tipo de reserva financeira. Considerando as modifica\u00e7\u00f5es em curso nas regras da Previd\u00eancia Social, isto tem o potencial de aquecer ainda mais os planos privados de aposentadoria.<\/p>\n<p>Somando-se \u00e0 essas informa\u00e7\u00f5es positivas, verifica-se nos dados acumulados at\u00e9 o momento a recupera\u00e7\u00e3o das margens de rentabilidade agregadas das seguradoras, para as quais nos dois \u00faltimos anos observou-se queda. Com esse resultado, poder\u00e1 haver inclusive novos investimentos que provavelmente afetar\u00e3o de modo positivo os v\u00e1rios setores desse mercado.<\/p>\n<p>De toda forma, o mais importante \u00e9 registrar que o crescimento do mercado de seguros, incluindo Previd\u00eancia Complementar e Sa\u00fade, tem sido resiliente e demonstrado n\u00e3o somente sua for\u00e7a, como tamb\u00e9m uma mudan\u00e7a positiva do perfil de consumo em termos de busca do apoio e seguran\u00e7a econ\u00f4mica que esses contratos, em seus v\u00e1rios ramos e coberturas, podem oferecer aos indiv\u00edduos, \u00e0s fam\u00edlias, \u00e0 sociedade e \u00e0 economia do pa\u00eds.<\/p>\n<p>Dilmo Bantim Moreira &#8211;\u00a0Presidente do Conselho Consultivo do CVG\/SP, diretor de Relacionamento com o segmento de Pessoas e acad\u00eamico da ANSP, administrador p\u00f3s-graduado em Gest\u00e3o de Seguros e Previd\u00eancia Privada, atu\u00e1rio, membro da Comiss\u00e3o T\u00e9cnica de Produtos de Risco da FenaPrevi e de Seguro Habitacional da FenSeg, docente em Seguros de Pessoas, Previd\u00eancia Complementar, Sa\u00fade, Capitaliza\u00e7\u00e3o, Atendimento ao P\u00fablico e colunista em m\u00eddias de seguros.<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center\"><em><strong>Blog do Florisvaldo &#8211; Informa\u00e7\u00e3o Com Imparcialidade &#8211; 03\/01\/2020<\/strong><\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O ano de 2019 tem sido um per\u00edodo cheio de novos acontecimentos no mercado de seguros, tanto em termos de regras, j\u00e1 vigentes ou ainda a serem cristalizadas, quanto em termos de novas iniciativas, como por exemplo as Insurtechs (&#8230; e Fintechs). Todos esses fatores v\u00eam alterando tradicionais comportamentos da ind\u00fastria de seguros, afetando todos<\/p>\n","protected":false},"author":2,"featured_media":10971,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,1,6],"tags":[],"class_list":{"0":"post-10969","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-brasil","8":"category-destaques","9":"category-economia"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>COLUNA DO DILMO: ANO II NUMERO 09 - SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA - MUDAN\u00c7AS E CRESCIMENTO EM 2019 - Blog do Florisvaldo<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"COLUNA DO DILMO: ANO II NUMERO 09 - SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA - MUDAN\u00c7AS E CRESCIMENTO EM 2019 - Blog do Florisvaldo\" \/>\n<meta property=\"og:description\" content=\"O ano de 2019 tem sido um per\u00edodo cheio de novos acontecimentos no mercado de seguros, tanto em termos de regras, j\u00e1 vigentes ou ainda a serem cristalizadas, quanto em termos de novas iniciativas, como por exemplo as Insurtechs (&#8230; e Fintechs). Todos esses fatores v\u00eam alterando tradicionais comportamentos da ind\u00fastria de seguros, afetando todos\" \/>\n<meta property=\"og:url\" content=\"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog do Florisvaldo\" \/>\n<meta property=\"article:published_time\" content=\"2020-01-03T22:34:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-01-03T23:00:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"626\" \/>\n\t<meta property=\"og:image:height\" content=\"417\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Florisvaldo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Florisvaldo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/\"},\"author\":{\"name\":\"Florisvaldo\",\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/#\\\/schema\\\/person\\\/709c788ecb22f2378d698c2cd46cecc3\"},\"headline\":\"COLUNA DO DILMO: ANO II NUMERO 09 &#8211; SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA &#8211; MUDAN\u00c7AS E CRESCIMENTO EM 2019\",\"datePublished\":\"2020-01-03T22:34:49+00:00\",\"dateModified\":\"2020-01-03T23:00:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/\"},\"wordCount\":770,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/bINOCLO.jpg\",\"articleSection\":[\"Brasil\",\"Destaques\",\"Economia\"],\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/\",\"url\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/\",\"name\":\"COLUNA DO DILMO: ANO II NUMERO 09 - SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA - MUDAN\u00c7AS E CRESCIMENTO EM 2019 - Blog do Florisvaldo\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/bINOCLO.jpg\",\"datePublished\":\"2020-01-03T22:34:49+00:00\",\"dateModified\":\"2020-01-03T23:00:19+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/#\\\/schema\\\/person\\\/709c788ecb22f2378d698c2cd46cecc3\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/bINOCLO.jpg\",\"contentUrl\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/bINOCLO.jpg\",\"width\":626,\"height\":417},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/10969-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"COLUNA DO DILMO: ANO II NUMERO 09 &#8211; SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA &#8211; MUDAN\u00c7AS E CRESCIMENTO EM 2019\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/#website\",\"url\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/\",\"name\":\"Blog do Florisvaldo |\",\"description\":\"Informa\u00e7\u00e3o com imparcialidade\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/#\\\/schema\\\/person\\\/709c788ecb22f2378d698c2cd46cecc3\",\"name\":\"Florisvaldo\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/23c59839b4c874bb227d4916d18ba065e405a73d0e423fa9255ba9436604e628?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/23c59839b4c874bb227d4916d18ba065e405a73d0e423fa9255ba9436604e628?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/23c59839b4c874bb227d4916d18ba065e405a73d0e423fa9255ba9436604e628?s=96&d=mm&r=g\",\"caption\":\"Florisvaldo\"},\"url\":\"https:\\\/\\\/portaldenoticias.net\\\/ffsantos\\\/author\\\/ffsantos\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"COLUNA DO DILMO: ANO II NUMERO 09 - SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA - MUDAN\u00c7AS E CRESCIMENTO EM 2019 - Blog do Florisvaldo","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/","og_locale":"pt_BR","og_type":"article","og_title":"COLUNA DO DILMO: ANO II NUMERO 09 - SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA - MUDAN\u00c7AS E CRESCIMENTO EM 2019 - Blog do Florisvaldo","og_description":"O ano de 2019 tem sido um per\u00edodo cheio de novos acontecimentos no mercado de seguros, tanto em termos de regras, j\u00e1 vigentes ou ainda a serem cristalizadas, quanto em termos de novas iniciativas, como por exemplo as Insurtechs (&#8230; e Fintechs). Todos esses fatores v\u00eam alterando tradicionais comportamentos da ind\u00fastria de seguros, afetando todos","og_url":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/","og_site_name":"Blog do Florisvaldo","article_published_time":"2020-01-03T22:34:49+00:00","article_modified_time":"2020-01-03T23:00:19+00:00","og_image":[{"width":626,"height":417,"url":"https:\/\/portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO.jpg","type":"image\/jpeg"}],"author":"Florisvaldo","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Florisvaldo","Est. tempo de leitura":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/#article","isPartOf":{"@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/"},"author":{"name":"Florisvaldo","@id":"https:\/\/portaldenoticias.net\/ffsantos\/#\/schema\/person\/709c788ecb22f2378d698c2cd46cecc3"},"headline":"COLUNA DO DILMO: ANO II NUMERO 09 &#8211; SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA &#8211; MUDAN\u00c7AS E CRESCIMENTO EM 2019","datePublished":"2020-01-03T22:34:49+00:00","dateModified":"2020-01-03T23:00:19+00:00","mainEntityOfPage":{"@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/"},"wordCount":770,"commentCount":0,"image":{"@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/#primaryimage"},"thumbnailUrl":"https:\/\/portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO.jpg","articleSection":["Brasil","Destaques","Economia"],"inLanguage":"pt-BR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/","url":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/","name":"COLUNA DO DILMO: ANO II NUMERO 09 - SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA - MUDAN\u00c7AS E CRESCIMENTO EM 2019 - Blog do Florisvaldo","isPartOf":{"@id":"https:\/\/portaldenoticias.net\/ffsantos\/#website"},"primaryImageOfPage":{"@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/#primaryimage"},"image":{"@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/#primaryimage"},"thumbnailUrl":"https:\/\/portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO.jpg","datePublished":"2020-01-03T22:34:49+00:00","dateModified":"2020-01-03T23:00:19+00:00","author":{"@id":"https:\/\/portaldenoticias.net\/ffsantos\/#\/schema\/person\/709c788ecb22f2378d698c2cd46cecc3"},"breadcrumb":{"@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/"]}]},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/#primaryimage","url":"https:\/\/portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO.jpg","contentUrl":"https:\/\/portaldenoticias.net\/ffsantos\/wp-content\/uploads\/2020\/01\/bINOCLO.jpg","width":626,"height":417},{"@type":"BreadcrumbList","@id":"https:\/\/portaldenoticias.net\/ffsantos\/10969-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/portaldenoticias.net\/ffsantos\/"},{"@type":"ListItem","position":2,"name":"COLUNA DO DILMO: ANO II NUMERO 09 &#8211; SEGUROS, SA\u00daDE, CAPITALIZA\u00c7\u00c3O E PREVID\u00caNCIA &#8211; MUDAN\u00c7AS E CRESCIMENTO EM 2019"}]},{"@type":"WebSite","@id":"https:\/\/portaldenoticias.net\/ffsantos\/#website","url":"https:\/\/portaldenoticias.net\/ffsantos\/","name":"Blog do Florisvaldo |","description":"Informa\u00e7\u00e3o com imparcialidade","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/portaldenoticias.net\/ffsantos\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Person","@id":"https:\/\/portaldenoticias.net\/ffsantos\/#\/schema\/person\/709c788ecb22f2378d698c2cd46cecc3","name":"Florisvaldo","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/secure.gravatar.com\/avatar\/23c59839b4c874bb227d4916d18ba065e405a73d0e423fa9255ba9436604e628?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/23c59839b4c874bb227d4916d18ba065e405a73d0e423fa9255ba9436604e628?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/23c59839b4c874bb227d4916d18ba065e405a73d0e423fa9255ba9436604e628?s=96&d=mm&r=g","caption":"Florisvaldo"},"url":"https:\/\/portaldenoticias.net\/ffsantos\/author\/ffsantos\/"}]}},"_links":{"self":[{"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/posts\/10969","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/comments?post=10969"}],"version-history":[{"count":4,"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/posts\/10969\/revisions"}],"predecessor-version":[{"id":10974,"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/posts\/10969\/revisions\/10974"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/media\/10971"}],"wp:attachment":[{"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/media?parent=10969"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/categories?post=10969"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/portaldenoticias.net\/ffsantos\/wp-json\/wp\/v2\/tags?post=10969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}