{"id":638328,"date":"2026-09-10T01:30:00","date_gmt":"2024-11-18T20:09:07","guid":{"rendered":"https:\/\/www.capgemini.com\/br-pt\/?post_type=research-and-insight&#038;p=638328"},"modified":"2026-10-02T01:31:28","modified_gmt":"2026-10-02T01:31:28","slug":"world-life-insurance-report","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-life-insurance-report\/","title":{"rendered":"World Life Insurance Report 2027"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Pardot-landing-page-banner-1200X350-copy.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Pardot-landing-page-banner-1200X350-copy.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source 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data-maxlength=\"34\">World Life Insurance Report 2027<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"grid-container\"><div class=\"col-12 col-md-2\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-life-insurance-report\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-life-insurance-report\/&amp;text=World%20Life%20Insurance%20Report%202027\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-life-insurance-report\/&amp;text=World%20Life%20Insurance%20Report%202027\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div><div class=\"article-text article-quote-text\">\n<style>\nhtml[data-cg-theme=\"dark\"] .geo-box,body.dark-theme .geo-box{background:#16202e !important;border-color:#2b3a4f !important;}\nhtml[data-cg-theme=\"dark\"] .geo-box p,body.dark-theme .geo-box p,html[data-cg-theme=\"dark\"] .geo-box li,body.dark-theme .geo-box li,html[data-cg-theme=\"dark\"] .geo-box td,body.dark-theme .geo-box td,html[data-cg-theme=\"dark\"] .geo-box strong,body.dark-theme .geo-box strong,html[data-cg-theme=\"dark\"] .geo-box caption,body.dark-theme .geo-box caption{color:#e6edf5 !important;}\nhtml[data-cg-theme=\"dark\"] .geo-box .geo-label,body.dark-theme .geo-box .geo-label{color:#6cc3ef !important;}\nhtml[data-cg-theme=\"dark\"] .geo-box .geo-source,body.dark-theme .geo-box .geo-source,html[data-cg-theme=\"dark\"] .geo-box .geo-source em,body.dark-theme .geo-box .geo-source em,html[data-cg-theme=\"dark\"] .geo-box .geo-cite,body.dark-theme .geo-box .geo-cite,html[data-cg-theme=\"dark\"] .geo-box .geo-cite strong,body.dark-theme .geo-box .geo-cite strong{color:#9aa7b6 !important;}\nhtml[data-cg-theme=\"dark\"] .geo-box tbody tr,body.dark-theme .geo-box tbody tr{background:transparent !important;border-color:#2b3a4f !important;}\nhtml[data-cg-theme=\"dark\"] .geo-box thead th,body.dark-theme .geo-box thead th{color:#ffffff !important;}\n<\/style>\n<p><time datetime=\"2026-09-10\" style=\"font-size:12px; color:#6b7280; display:block; margin-bottom:12px;\">Publicado em 10 de setembro de 2026 \u2014 Capgemini Research Institute for Financial Services, em parceria com a LIMRA<\/time><\/p>\n\n\n\n<h2 id=\"h-o-premio-da-relevancia-como-a-centralidade-no-consumidor-destrava-o-crescimento\" class=\"wp-block-heading\">O pr\u00eamio da relev\u00e2ncia: como a centralidade no consumidor destrava o crescimento<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O <strong>World Life Insurance Report 2027<\/strong> (Relat\u00f3rio Mundial de Seguros de Vida 2027), produzido pelo Capgemini Research Institute for Financial Services em parceria com a LIMRA, mostra que o principal desafio do mercado de seguros de vida hoje n\u00e3o \u00e9 a falta de demanda, mas as percep\u00e7\u00f5es equivocadas dos consumidores sobre custo, relev\u00e2ncia do produto, caracter\u00edsticas e benef\u00edcios. Embora 47% dos consumidores estejam considerando ativamente uma compra, essa inten\u00e7\u00e3o n\u00e3o se traduz em vendas: um em cada quatro consumidores desiste da jornada de compra antes de conclu\u00ed-la, em grande parte por causa de conte\u00fados confusos e pouco claros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E, entre os que se tornam clientes, quase 40% dos segurados raramente ou nunca recebem contato da seguradora ap\u00f3s a compra, o que os deixa sem conhecer os benef\u00edcios e o valor da ap\u00f3lice \u2014 e muitos acabam abandonando a cobertura. De fato, quase metade dos que cancelam suas ap\u00f3lices o fazem nos tr\u00eas primeiros anos, muito antes de as seguradoras conseguirem recuperar os custos de aquisi\u00e7\u00e3o ou construir relacionamentos duradouros. <strong><sup>1<\/sup><\/strong><\/p>\n\n\n\n<div style=\"background:#0070ad; color:#fff; padding:28px 36px; margin:28px 0 36px 0; border-radius:8px;\">\n  <h2 style=\"font-size:16px; font-weight:600; text-transform:uppercase; letter-spacing:0.8px; color:#ffffff !important; line-height:1.4; margin:0 0 20px 0;\">Principais resultados da pesquisa \u2014 World Life Insurance Report 2027<\/h2>\n  <div style=\"display:grid; grid-template-columns:repeat(auto-fit,minmax(180px,1fr)); gap:28px;\">\n    <div style=\"border-left:3px solid rgba(255,255,255,0.4); padding-left:16px;\">\n      <div style=\"font-size:36px; font-weight:700; line-height:1;\">47%<\/div>\n      <div style=\"font-size:13px; margin-top:6px; opacity:0.9;\">dos consumidores est\u00e3o <strong>considerando ativamente<\/strong> contratar seguro de vida<\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.4); padding-left:16px;\">\n      <div style=\"font-size:36px; font-weight:700; line-height:1;\">1 em 4<\/div>\n      <div style=\"font-size:13px; margin-top:6px; opacity:0.9;\">consumidores <strong>abandona a jornada de compra<\/strong> antes de conclu\u00ed-la<\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.4); padding-left:16px;\">\n      <div style=\"font-size:36px; font-weight:700; line-height:1;\">51%<\/div>\n      <div style=\"font-size:13px; margin-top:6px; opacity:0.9;\">dos consumidores planejam usar <strong>IA generativa<\/strong> para descobrir produtos de seguro nos pr\u00f3ximos tr\u00eas anos<\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.4); padding-left:16px;\">\n      <div style=\"font-size:36px; font-weight:700; line-height:1;\">41%<\/div>\n      <div style=\"font-size:13px; margin-top:6px; opacity:0.9;\">de <strong>crescimento de receita maior<\/strong> nas seguradoras best-in-class em rela\u00e7\u00e3o \u00e0s demais, com taxa de cancelamento 12% menor<\/div>\n    <\/div>\n  <\/div>\n  <div style=\"margin-top:20px; padding-top:16px; border-top:1px solid rgba(255,255,255,0.2); font-size:11px; opacity:0.75;\">\n    Fonte: Capgemini Research Institute for Financial Services e LIMRA, 2026 \u2014 6.175 consumidores em 18 pa\u00edses + 198 executivos de seguradoras de vida em 18 mercados | abril a junho de 2026\n  <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A pesquisa por tr\u00e1s do <strong>World Life Insurance Report 2027<\/strong> mostra que os 10% das seguradoras com melhor desempenho est\u00e3o resolvendo os desafios de percep\u00e7\u00e3o do consumidor ao incorporar a centralidade no cliente em todas as camadas do neg\u00f3cio. Elas alcan\u00e7aram um crescimento de receita 41% maior nos \u00faltimos tr\u00eas anos e uma taxa de cancelamento de ap\u00f3lices 12% menor que as demais. <strong><sup>1<\/sup><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A edi\u00e7\u00e3o 2027 combina os resultados de dois estudos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A Pesquisa Global Voz do Cliente 2026 (2026 Global Voice of the Customer Survey), realizada com a Phronesis Partners, com 6.175 consumidores em 18 pa\u00edses, incluindo o Brasil.<\/li>\n\n\n\n<li>As Entrevistas Globais com Executivos de Seguros 2026 (2026 Global Insurance Executive Interviews), com 198 executivos seniores de seguradoras de vida l\u00edderes em 18 mercados, incluindo o Brasil.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">O relat\u00f3rio revela o que essas seguradoras de excel\u00eancia fizeram para transformar a forma como desenham produtos, comunicam valor e oferecem experi\u00eancias personalizadas, e apresenta os tr\u00eas pilares estrat\u00e9gicos de um novo modelo operacional liderado pelo consumidor e impulsionado por intelig\u00eancia:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Os produtos certos:<\/strong> solu\u00e7\u00f5es simples e relevantes, desenhadas para acompanhar as necessidades em evolu\u00e7\u00e3o dos consumidores, com benef\u00edcios em vida no centro da proposta de valor.<\/li>\n\n\n\n<li><strong>Pessoas e parcerias de confian\u00e7a:<\/strong> orienta\u00e7\u00e3o transparente e acion\u00e1vel, entregue no momento certo por consultores, corretores e parceiros.<\/li>\n\n\n\n<li><strong>Uma base avan\u00e7ada de dados e tecnologia:<\/strong> intera\u00e7\u00f5es proativas e inteligentes a partir de dados conectados, com uma vis\u00e3o \u00fanica e confi\u00e1vel de cada consumidor, intelig\u00eancia artificial em escala e acesso f\u00e1cil \u00e0 orienta\u00e7\u00e3o humana nas decis\u00f5es cr\u00edticas.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ampliar a confian\u00e7a do consumidor e entregar valor de forma cont\u00ednua ao longo do ciclo de vida do cliente vai definir o futuro da distribui\u00e7\u00e3o de seguros de vida. As seguradoras que se comunicam com clareza e promovem relev\u00e2ncia e confian\u00e7a em cada ponto de contato estar\u00e3o mais bem posicionadas para crescer com rentabilidade.<\/p>\n\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"container\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn  \" data-bs-toggle=\"modal\" data-bs-target=\"#cta-popin-864da86c-0af8-4ca6-a6ae-93fc279141f4\" tabindex=\"0\" href=\"#\">Acesse o relat\u00f3rio<\/a><\/div><div class=\"call-to-action-block\"><div class=\"modal cta-frontend-modal-wrapper\" id=\"cta-popin-864da86c-0af8-4ca6-a6ae-93fc279141f4\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal landing-page-modals\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div 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>Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tun\u00edsia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turcomenist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ucr\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbequist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis e Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimb\u00e1bue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Z\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >\u00c1frica do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >\u00c1ustria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >\u00cdndia<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount 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formul\u00e1rio, concordo com o tratamento dos meus dados pessoais pela Capgemini para ser contatado(a) a respeito de ofertas de seguro de vida e informa\u00e7\u00f5es relacionadas.\t\t\t\t\t<\/label>\n\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t<\/div>\n\n\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_813557_3262_1949125987\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_813557_3262[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_813557_3262_1949125987\" class=\"form-check-label consent-text\">\n\t\t\t\tConcordo que a Capgemini colete e processe meus dados pessoais para me permitir receber informa\u00e7\u00f5es sobre os servi\u00e7os da Capgemini. Para mais informa\u00e7\u00f5es, consulte nosso <a href=\"https:\/\/www.capgemini.com\/br-pt\/sobre-nos\/aviso-de-privacidade\/\" target=\"_blank\">Aviso de Privacidade<\/a>. &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_1155463_239_3275322764\">Page title\t\t\t\t\t<\/label>\n\t\t\t\t<input type=\"hidden\" id=\"_mf_1155463_239_3275322764\" class=\"mf_field__input empty\" name=\"_mf_1155463_239\" data-validate=\"text\" value=\"World Life Insurance Report 2027\"  \/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_1155463_8220_3583006083\">Page URL\t\t\t\t\t<\/label>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"hidden\"\n\t\t\t\t\tid=\"_mf_1155463_8220_3583006083\"\n\t\t\t\t\tclass=\"mf_field__input empty\"\n\t\t\t\t\tname=\"_mf_1155463_8220\"\n\t\t\t\t\tdata-validate=\"text\"\n\t\t\t\t\tvalue=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-life-insurance-report\/\"\n\t\t\t\t\t\t\t\t\t\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label for=\"slider-submit-_mf_813557_1867\" class=\"slide-text\">\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_813557_1867\"\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tclass=\"mf_field__input slider-frm-btn\"\n\t\t\t\t\t\trel=\"_mf_813557_1867\"\n\t\t\t\t\t\tmin=\"0\"\n\t\t\t\t\t\tmax=\"100\"\n\t\t\t\t\t\tvalue=\"0\"\n\t\t\t\t\t\taria-label=\"Slide to submit\"\n\t\t\t\t\t\taria-describedby=\"slide-instruction-_mf_813557_1867\"\n\t\t\t\t\t\taria-valuenow=\"0\"\n\t\t\t\t\t\taria-valuemin=\"0\"\n\t\t\t\t\t\taria-valuemax=\"100\"\n\t\t\t\t\t\taria-orientation=\"horizontal\"\n\t\t\t\t\t\trole=\"slider\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\/>\n\t\t\t\t\t<!-- Arrow\/tick icon element: Firefox and Safari don't render ::before\/::after on inputs -->\n\t\t\t\t\t<span class=\"slider-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<span id=\"slide-instruction-_mf_813557_1867\" class=\"sr-only\">\n\t\t\t\t\t\tUse right arrow keys to slide, or drag right with your finger. When you reach 100 percent, the form is submitted.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">If you use a screen reader or VoiceOver, double-tap this button to submit the form.<\/span>\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Deslize para enviar\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Enviado\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_1155463_1000_1419511608\">UTM_source\t\t\t\t\t<\/label>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"hidden\"\n\t\t\t\t\tid=\"_mf_1155463_1000_1419511608\"\n\t\t\t\t\tclass=\"mf_field__input empty\"\n\t\t\t\t\tname=\"_mf_1155463_1000\"\n\t\t\t\t\tdata-validate=\"text\"\n\t\t\t\t\tdata-mf-utm=\"utm_source\"\n\t\t\t\t\tvalue=\"\"\n\t\t\t\t\t\t\t\t\t\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_1155463_5818_1556179121\">UTM_medium\t\t\t\t\t<\/label>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"hidden\"\n\t\t\t\t\tid=\"_mf_1155463_5818_1556179121\"\n\t\t\t\t\tclass=\"mf_field__input empty\"\n\t\t\t\t\tname=\"_mf_1155463_5818\"\n\t\t\t\t\tdata-validate=\"text\"\n\t\t\t\t\tdata-mf-utm=\"utm_medium\"\n\t\t\t\t\tvalue=\"\"\n\t\t\t\t\t\t\t\t\t\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_1155463_3640_2936554468\">UTM_campaign\t\t\t\t\t<\/label>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"hidden\"\n\t\t\t\t\tid=\"_mf_1155463_3640_2936554468\"\n\t\t\t\t\tclass=\"mf_field__input empty\"\n\t\t\t\t\tname=\"_mf_1155463_3640\"\n\t\t\t\t\tdata-validate=\"text\"\n\t\t\t\t\tdata-mf-utm=\"utm_campaign\"\n\t\t\t\t\tvalue=\"\"\n\t\t\t\t\t\t\t\t\t\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"649109\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"revamp-world-life-insurance-report-2027-download\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"ecd8d60ca8\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t<h3>Obrigado por seu envio.<\/h3><br><h4><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/WLIR_2027_Final_2MB-Version.pdf\">Clique aqui para o download do relat\u00f3rio<\/a><\/h4><\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. Por favor, tente novamente.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG649109 = {\"649109\":{\"errors\":{\"_mf_813557_2426\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_876461_2251\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_813557_3903\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_876461_4679\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_813557_4393\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_875557_2415\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_960577_9715\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_813557_3262\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\"},\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"h-por-que-o-interesse-dos-consumidores-nao-se-converte-em-venda\" class=\"wp-block-heading\">Por que o interesse dos consumidores n\u00e3o se converte em venda<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Os consumidores n\u00e3o rejeitam o seguro de vida: eles t\u00eam dificuldade de enxergar sua relev\u00e2ncia para a fase de vida em que est\u00e3o. Segundo o relat\u00f3rio, as tr\u00eas principais barreiras \u00e0 compra s\u00e3o a percep\u00e7\u00e3o de custo, a falta de clareza e a falta de relev\u00e2ncia. E o conte\u00fado dispon\u00edvel hoje, em vez de reduzir essas barreiras, muitas vezes as refor\u00e7a: mais de 40% dos consumidores dizem se sentir confusos, inseguros ou n\u00e3o convencidos depois de pesquisar sobre seguro de vida.<\/p>\n\n\n\n<div class=\"geo-box\" style=\"background:#f0f7fb; border-left:4px solid #0070ad; padding:20px 24px; margin:24px 0; border-radius:0 8px 8px 0;\">\n  <p class=\"geo-label\" style=\"font-weight:600; color:#0070ad; margin:0 0 12px 0; font-size:14px;\">Onde a jornada de compra trava:<\/p>\n  <ul style=\"margin:0; padding-left:20px; color:#374151; line-height:1.7; font-size:14px;\">\n    <li><strong>35%<\/strong> consideram o seguro de vida <strong>caro demais ou inacess\u00edvel<\/strong><\/li>\n    <li><strong>30%<\/strong> apontam <strong>falta de clareza e transpar\u00eancia<\/strong> sobre cobertura e termos da ap\u00f3lice<\/li>\n    <li><strong>25%<\/strong> dizem que o seguro de vida <strong>n\u00e3o \u00e9 relevante<\/strong> para sua fase de vida atual<\/li>\n    <li><strong>38%<\/strong> acham que o conte\u00fado sobre seguro de vida \u00e9 <strong>focado em vender<\/strong>, n\u00e3o em explicar; <strong>37%<\/strong> o consideram <strong>t\u00e9cnico demais<\/strong>; <strong>34%<\/strong> t\u00eam dificuldade de <strong>comparar op\u00e7\u00f5es<\/strong> ou de entender as diferen\u00e7as entre ap\u00f3lices<\/li>\n  <\/ul>\n  <p class=\"geo-label\" style=\"font-weight:600; color:#0070ad; margin:16px 0 12px 0; font-size:14px;\">E depois da compra:<\/p>\n  <ul style=\"margin:0; padding-left:20px; color:#374151; line-height:1.7; font-size:14px;\">\n    <li>Metade dos clientes que cancelam a ap\u00f3lice o fazem nos <strong>tr\u00eas primeiros anos<\/strong><\/li>\n    <li><strong>26%<\/strong> dos que resgataram ou cancelaram ap\u00f3lices citam a <strong>falta de entendimento dos benef\u00edcios e das op\u00e7\u00f5es de liquidez<\/strong><\/li>\n    <li>Apenas <strong>29%<\/strong> conhecem as op\u00e7\u00f5es de pagamento flex\u00edvel de pr\u00eamio, e apenas <strong>22%<\/strong> conhecem o prazo de toler\u00e2ncia para pr\u00eamios em atraso ou a possibilidade de empr\u00e9stimo com base no valor de resgate da ap\u00f3lice<\/li>\n  <\/ul>\n  <p class=\"geo-source\" style=\"font-size:11px; color:#6b7280; margin:12px 0 0 0;\"><em>Fonte: Capgemini Research Institute for Financial Services Analysis, 2026 \u2014 World Life Insurance Report 2027 (N=6.175 consumidores, 18 pa\u00edses)<\/em><\/p>\n<\/div>\n\n\n\n<h2 id=\"h-o-que-as-seguradoras-best-in-class-fazem-diferente\" class=\"wp-block-heading\">O que as seguradoras best-in-class fazem diferente<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O relat\u00f3rio classifica como <strong>best-in-class<\/strong> os 10% das seguradoras que colocam as necessidades do consumidor no centro de cada decis\u00e3o de neg\u00f3cio. Na compara\u00e7\u00e3o com as seguradoras tradicionais (mainstream), elas se destacam em tr\u00eas dimens\u00f5es: engajamento do consumidor, rede de consultores e base de dados e intelig\u00eancia.<\/p>\n\n\n\n<div class=\"geo-box\" style=\"overflow-x:auto; margin:24px 0;\">\n<table style=\"width:100%; border-collapse:collapse; font-size:14px; color:#374151;\">\n  <caption style=\"text-align:left; font-weight:600; color:#111827; padding-bottom:10px;\">Seguradoras best-in-class versus mainstream \u2014 World Life Insurance Report 2027<\/caption>\n  <thead>\n    <tr style=\"background:#0070ad; color:#fff;\">\n      <th style=\"padding:10px 12px; text-align:left;\">Pr\u00e1tica<\/th>\n      <th style=\"padding:10px 12px; text-align:center;\">Best-in-class<\/th>\n      <th style=\"padding:10px 12px; text-align:center;\">Mainstream<\/th>\n      <th style=\"padding:10px 12px; text-align:center;\">Vantagem<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"border-bottom:1px solid #e5e7eb;\"><td style=\"padding:10px 12px;\">Oferecem educa\u00e7\u00e3o contextual e interativa ao consumidor<\/td><td style=\"padding:10px 12px; text-align:center;\"><strong>75%<\/strong><\/td><td style=\"padding:10px 12px; text-align:center;\">41%<\/td><td style=\"padding:10px 12px; text-align:center;\">1,8x<\/td><\/tr>\n    <tr style=\"border-bottom:1px solid #e5e7eb; background:#f9fafb;\"><td style=\"padding:10px 12px;\">Fazem contato proativo, baseado em necessidades e marcos de vida<\/td><td style=\"padding:10px 12px; text-align:center;\"><strong>25%<\/strong><\/td><td style=\"padding:10px 12px; text-align:center;\">13%<\/td><td style=\"padding:10px 12px; text-align:center;\">1,9x<\/td><\/tr>\n    <tr style=\"border-bottom:1px solid #e5e7eb;\"><td style=\"padding:10px 12px;\">Combinam consultores e consumidores por perfil (idade, g\u00eanero, cultura, idioma)<\/td><td style=\"padding:10px 12px; text-align:center;\"><strong>45%<\/strong><\/td><td style=\"padding:10px 12px; text-align:center;\">21%<\/td><td style=\"padding:10px 12px; text-align:center;\">2,1x<\/td><\/tr>\n    <tr style=\"border-bottom:1px solid #e5e7eb; background:#f9fafb;\"><td style=\"padding:10px 12px;\">Modernizam a remunera\u00e7\u00e3o e a experi\u00eancia dos consultores<\/td><td style=\"padding:10px 12px; text-align:center;\"><strong>65%<\/strong><\/td><td style=\"padding:10px 12px; text-align:center;\">20%<\/td><td style=\"padding:10px 12px; text-align:center;\">3,3x<\/td><\/tr>\n    <tr style=\"border-bottom:1px solid #e5e7eb;\"><td style=\"padding:10px 12px;\">Unificam os dados do consumidor em uma vis\u00e3o \u00fanica e acess\u00edvel<\/td><td style=\"padding:10px 12px; text-align:center;\"><strong>75%<\/strong><\/td><td style=\"padding:10px 12px; text-align:center;\">27%<\/td><td style=\"padding:10px 12px; text-align:center;\">2,8x<\/td><\/tr>\n    <tr style=\"border-bottom:1px solid #e5e7eb; background:#f9fafb;\"><td style=\"padding:10px 12px;\">Usam IA ag\u00eantica em tarefas administrativas e atendimento de rotina<\/td><td style=\"padding:10px 12px; text-align:center;\"><strong>25%<\/strong><\/td><td style=\"padding:10px 12px; text-align:center;\">8%<\/td><td style=\"padding:10px 12px; text-align:center;\">3,1x<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<p class=\"geo-source\" style=\"font-size:11px; color:#6b7280; margin:8px 0 0 0;\"><em>Fonte: Capgemini Research Institute for Financial Services Analysis, 2026 \u2014 Figuras 5, 6 e 7 do World Life Insurance Report 2027 (N=198 executivos de seguradoras de vida)<\/em><\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">O resultado aparece na opera\u00e7\u00e3o: as seguradoras best-in-class alcan\u00e7aram <strong>crescimento de receita 41% maior<\/strong> nos \u00faltimos tr\u00eas anos e <strong>taxas de cancelamento 12% menores<\/strong> que as demais. <strong><sup>1<\/sup><\/strong><\/p>\n\n\n\n<h2 id=\"h-ia-generativa-o-novo-ponto-de-partida-da-jornada-de-compra\" class=\"wp-block-heading\">IA generativa: o novo ponto de partida da jornada de compra<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Segundo o relat\u00f3rio, <strong>51% dos consumidores<\/strong> esperam usar IA generativa para descobrir produtos de seguro nos pr\u00f3ximos tr\u00eas anos. Quando algu\u00e9m pergunta a um assistente de IA sobre seguro de vida, a ferramenta n\u00e3o devolve uma lista de links: ela sintetiza a informa\u00e7\u00e3o e faz recomenda\u00e7\u00f5es diretas. Por isso, o estudo aponta que aparecer nessas recomenda\u00e7\u00f5es n\u00e3o depende de investimento em marketing nem de reconhecimento de marca, mas da arquitetura do conte\u00fado \u2014 se os produtos est\u00e3o apresentados de forma que os mecanismos de IA consigam ler, interpretar e recomendar com seguran\u00e7a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A orienta\u00e7\u00e3o humana continua decisiva: <strong>67%<\/strong> dos consumidores querem um consultor ao avaliar pre\u00e7os e decidir a compra, <strong>85%<\/strong> querem interagir com um consultor em algum momento da jornada e <strong>57%<\/strong> preferem um equil\u00edbrio entre autoatendimento digital e apoio do consultor.<\/p>\n\n\n\n<blockquote class=\"geo-box\" style=\"border-left:4px solid #0070ad; margin:24px 0; padding:12px 24px; background:#f9fafb;\">\n  <p style=\"font-size:17px; line-height:1.6; color:#111827; margin:0 0 10px 0;\">\u201cEstamos simplificando produtos e materiais para que a IA consiga interpret\u00e1-los com mais facilidade. As seguradoras j\u00e1 n\u00e3o falam apenas com os clientes: elas tamb\u00e9m se apresentam a modelos de linguagem que, cada vez mais, moldam a forma como os produtos s\u00e3o descritos e compreendidos.\u201d<\/p>\n  <p class=\"geo-cite\" style=\"font-size:13px; color:#6b7280; margin:0;\"><strong>Giancarlo Bosser<\/strong>, Chief Life Officer, It\u00e1lia, Generali \u2014 em entrevista para o World Life Insurance Report 2027<\/p>\n<\/blockquote>\n\n\n\n<h2 id=\"h-o-brasil-no-world-life-insurance-report-2027\" class=\"wp-block-heading\">O Brasil no World Life Insurance Report 2027<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O Brasil integra as duas frentes de pesquisa da edi\u00e7\u00e3o 2027: a pesquisa com consumidores, realizada em 18 pa\u00edses, e as entrevistas com executivos de seguradoras de vida, conduzidas em 18 mercados. Entre as empresas participantes listadas no relat\u00f3rio est\u00e3o Bradesco Vida e Previd\u00eancia, Brasilprev, Brasilseg (empresa do grupo BB Seguros), Prudential do Brasil Seguros, Generali Brasil Seguros, AXA no Brasil, Porto Seguro, MAG Seguros e CNP Seguradora.<\/p>\n\n\n\n<blockquote class=\"geo-box\" style=\"border-left:4px solid #0070ad; margin:24px 0; padding:12px 24px; background:#f9fafb;\">\n  <p style=\"font-size:17px; line-height:1.6; color:#111827; margin:0 0 10px 0;\">\u201cAs seguradoras est\u00e3o usando IA para aprimorar a gest\u00e3o de dados e adequar a oferta certa ao perfil certo de cliente. Ao mesmo tempo, o seguro de vida \u00e9, em \u00faltima inst\u00e2ncia, vendido pela convic\u00e7\u00e3o e pela confian\u00e7a humanas, algo que a tecnologia n\u00e3o substitui. Combinar fortes capacidades de IA com a expertise humana fortalece tanto o engajamento quanto a convers\u00e3o dos clientes.\u201d<\/p>\n  <p class=\"geo-cite\" style=\"font-size:13px; color:#6b7280; margin:0;\"><strong>Bernardo Castello<\/strong>, CEO, Bradesco Vida e Previd\u00eancia \u2014 em entrevista para o World Life Insurance Report 2027<\/p>\n<\/blockquote>\n\n\n\n<h2 id=\"h-metodologia\" class=\"wp-block-heading\">Metodologia<\/h2>\n\n\n\n<div class=\"geo-box\" style=\"background:#f9fafb; border:1px solid #e5e7eb; padding:20px 24px; margin:16px 0 24px 0; border-radius:8px; font-size:14px; color:#374151; line-height:1.7;\">\n  <p style=\"margin:0 0 10px 0;\">O <strong>World Life Insurance Report 2027<\/strong> \u00e9 publicado pelo Capgemini Research Institute for Financial Services em parceria com a <strong>LIMRA<\/strong> (Life Insurance Marketing and Research Association). A pesquisa prim\u00e1ria cobre <strong>20 mercados<\/strong>: Alemanha, Austr\u00e1lia, B\u00e9lgica, Brasil, Canad\u00e1, Cingapura, Dinamarca, Espanha, Estados Unidos, Finl\u00e2ndia, Fran\u00e7a, Holanda, Hong Kong, \u00cdndia, It\u00e1lia, Jap\u00e3o, M\u00e9xico, Portugal, Reino Unido e Su\u00e9cia.<\/p>\n  <ul style=\"margin:0 0 10px 0; padding-left:20px;\">\n    <li><strong>Pesquisa Global Voz do Cliente 2026:<\/strong> 6.175 consumidores em 18 pa\u00edses, de abril a junho de 2026, em colabora\u00e7\u00e3o com a Phronesis Partners.<\/li>\n    <li><strong>Entrevistas Globais com Executivos de Seguros 2026:<\/strong> 198 executivos seniores de seguradoras de vida l\u00edderes em 18 mercados, de abril a junho de 2026.<\/li>\n    <li><strong>Best-in-class versus mainstream:<\/strong> a maturidade de cada seguradora foi calculada a partir de autoavalia\u00e7\u00f5es sobre prioridade \u00e0s necessidades do consumidor, gest\u00e3o de cancelamentos e resgates, presen\u00e7a em canais de aprendizado do consumidor (incluindo ferramentas de IA), qualidade do conte\u00fado educativo, integra\u00e7\u00e3o entre canais e maturidade tecnol\u00f3gica.<\/li>\n  <\/ul>\n  <p style=\"margin:0;\">No relat\u00f3rio, \u201cseguro de vida\u201d abrange produtos individuais de seguro de vida, inclusive os de acumula\u00e7\u00e3o, e benef\u00edcios coletivos adjacentes, como doen\u00e7as graves, di\u00e1rias hospitalares e invalidez, contratados no mercado individual ou pelo empregador.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<div data-open-first=\"false\" class=\"wp-block-cg-blocks-cg-blocks-faq-schema\"><section class=\"wp-block-cg-blocks-cg-blocks-faq-schema section section--faqs-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"content-title\"><h2>Perguntas frequentes sobre o World Life Insurance Report 2027<\/h2><\/div><div class=\"filters filters--vertical\" data-max=\"100\"><div class=\"expanders filters-content\">\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>O que \u00e9 o World Life Insurance Report 2027?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">O <strong>World Life Insurance Report 2027<\/strong> (Relat\u00f3rio Mundial de Seguros de Vida 2027) \u00e9 o estudo anual do Capgemini Research Institute for Financial Services sobre o mercado global de seguros de vida, publicado em setembro de 2026 em parceria com a LIMRA. O tema central desta edi\u00e7\u00e3o \u00e9 o \u201cpr\u00eamio da relev\u00e2ncia\u201d: como a centralidade no consumidor destrava o crescimento das seguradoras. O relat\u00f3rio se baseia em pesquisa com <strong>6.175 consumidores em 18 pa\u00edses<\/strong> e entrevistas com <strong>198 executivos<\/strong> de seguradoras de vida em 18 mercados, incluindo o Brasil, realizadas de abril a junho de 2026. Fonte: Capgemini Research Institute for Financial Services e LIMRA, World Life Insurance Report 2027.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Por que os consumidores desistem de contratar seguro de vida?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">A demanda existe: <strong>47%<\/strong> dos consumidores est\u00e3o considerando ativamente contratar seguro de vida. Mas <strong>um em cada quatro<\/strong> abandona a jornada antes de conclu\u00ed-la. As principais barreiras s\u00e3o a percep\u00e7\u00e3o de custo (<strong>35%<\/strong> consideram o seguro caro ou inacess\u00edvel), a falta de clareza sobre cobertura e termos (<strong>30%<\/strong>) e a percep\u00e7\u00e3o de que o produto n\u00e3o \u00e9 relevante para a fase de vida atual (<strong>25%<\/strong>). O conte\u00fado dispon\u00edvel agrava o problema: <strong>38%<\/strong> o consideram focado em vender e <strong>37%<\/strong>, t\u00e9cnico demais. Fonte: Capgemini Research Institute for Financial Services e LIMRA, World Life Insurance Report 2027.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>O que diferencia as seguradoras de vida best-in-class?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">As seguradoras best-in-class, que representam <strong>10%<\/strong> do total de seguradoras, colocam as necessidades do consumidor no centro de cada decis\u00e3o. Na compara\u00e7\u00e3o com as seguradoras mainstream, elas s\u00e3o <strong>1,8 vez<\/strong> mais propensas a oferecer educa\u00e7\u00e3o contextual e interativa, <strong>2,1 vezes<\/strong> mais propensas a combinar consultores e consumidores por perfil, <strong>2,8 vezes<\/strong> mais propensas a unificar os dados do consumidor em uma vis\u00e3o \u00fanica e <strong>3,1 vezes<\/strong> mais propensas a usar IA ag\u00eantica. O resultado: crescimento de receita <strong>41% maior<\/strong> nos \u00faltimos tr\u00eas anos e taxa de cancelamento <strong>12% menor<\/strong>. Fonte: Capgemini Research Institute for Financial Services e LIMRA, World Life Insurance Report 2027.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Como a IA generativa est\u00e1 mudando a compra de seguro de vida?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Segundo o relat\u00f3rio, <strong>51%<\/strong> dos consumidores esperam usar IA generativa para descobrir produtos de seguro nos pr\u00f3ximos tr\u00eas anos. Como os assistentes de IA sintetizam a informa\u00e7\u00e3o e fazem recomenda\u00e7\u00f5es diretas, aparecer nessas respostas passa a depender da arquitetura do conte\u00fado: produtos apresentados de forma que a IA consiga ler, interpretar e recomendar com seguran\u00e7a. Ainda assim, a orienta\u00e7\u00e3o humana continua decisiva: <strong>67%<\/strong> querem um consultor ao avaliar pre\u00e7os e decidir a compra, e <strong>85%<\/strong> querem interagir com um consultor em algum momento da jornada. Fonte: Capgemini Research Institute for Financial Services e LIMRA, World Life Insurance Report 2027.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Por que tantos segurados cancelam a ap\u00f3lice nos primeiros anos?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Metade dos clientes que cancelam o seguro de vida o fazem nos <strong>tr\u00eas primeiros anos<\/strong>, antes que a seguradora recupere o custo de aquisi\u00e7\u00e3o. O relat\u00f3rio associa esse comportamento a falhas de comunica\u00e7\u00e3o: quase <strong>40%<\/strong> dos segurados raramente ou nunca recebem contato da seguradora ap\u00f3s a compra, apenas <strong>29%<\/strong> conhecem as op\u00e7\u00f5es de pagamento flex\u00edvel e apenas <strong>22%<\/strong> conhecem o prazo de toler\u00e2ncia para pr\u00eamios em atraso ou a possibilidade de empr\u00e9stimo com base no valor de resgate da ap\u00f3lice. Entre os que cancelaram ou resgataram, <strong>26%<\/strong> citam a falta de entendimento dos benef\u00edcios e das op\u00e7\u00f5es de liquidez. Por outro lado, <strong>48%<\/strong> dizem que ficariam mais tempo com uma seguradora que oferecesse orienta\u00e7\u00e3o regular e conselhos personalizados nos momentos cr\u00edticos. Fonte: Capgemini Research Institute for Financial Services e LIMRA, World Life Insurance Report 2027.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>O Brasil faz parte do World Life Insurance Report 2027?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Sim. O Brasil integra as duas frentes de pesquisa da edi\u00e7\u00e3o 2027: a pesquisa com 6.175 consumidores em 18 pa\u00edses e as entrevistas com 198 executivos de seguradoras de vida em 18 mercados. Entre as empresas participantes listadas no relat\u00f3rio est\u00e3o Bradesco Vida e Previd\u00eancia, Brasilprev, Brasilseg, Prudential do Brasil Seguros, Generali Brasil Seguros, AXA no Brasil, Porto Seguro, MAG Seguros e CNP Seguradora. Bernardo Castello, CEO da Bradesco Vida e Previd\u00eancia, participou das conversas estrat\u00e9gicas com executivos que embasam o estudo. Fonte: Capgemini Research Institute for Financial Services e LIMRA, World Life Insurance Report 2027.<\/p>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent\">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader 48ca819f-ba8c-424f-b5c4-5716e5163789\">\n\t\t\t\t\t\t\t\t\t<div class=\"slider-nav-wrapper smallDevice\">\n\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 text-center\">\n\t\t\t\t\t\t\t\t<div class=\"slider-nav\">\n\t\t\t\t\t\t\t\t\t<button class=\"slider-prev inactive\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"anterior do carrossel\"><\/button>\n\t\t\t\t\t\t\t\t\t<ul class=\"slider-paginator\"><\/ul>\n\t\t\t\t\t\t\t\t\t<button class=\"slider-next \"\n\t\t\t\t\t\t\t\t\t\taria-label=\"pr\u00f3ximo do carrossel\"><\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire2\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Transforma\u00e7\u00e3o com IA na Confer\u00eancia Anual LIMRA 2026\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransforma\u00e7\u00e3o com IA na Confer\u00eancia Anual LIMRA 2026\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Explore como a Capgemini capacita seguradoras com IA, opera\u00e7\u00f5es modernas e inova\u00e7\u00e3o de produtos mais r\u00e1pida na Confer\u00eancia Anual LIMRA 2026.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tExplore como a Capgemini capacita seguradoras com IA, opera\u00e7\u00f5es modernas e inova\u00e7\u00e3o de produtos mais r\u00e1pida na Confer\u00eancia Anual LIMRA 2026.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"Leia mais sobre Transforma\u00e7\u00e3o com IA na Confer\u00eancia Anual LIMRA 2026\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\thref=\"https:\/\/www.capgemini.com\/news\/events\/2026-limra-annual-conference\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Limra-2026-CapComm-banner-2880x1800-1.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tobject-position: 50% 50%; object-fit: cover;\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\tclass=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire2\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Transformando a distribui\u00e7\u00e3o de seguros com inova\u00e7\u00e3o digital\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransformando a distribui\u00e7\u00e3o de seguros com inova\u00e7\u00e3o digital\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Capacitando agentes, corretores e seguradoras com ferramentas digitais, integra\u00e7\u00f5es fluidas e capacidades impulsionadas por IA.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCapacitando agentes, corretores e seguradoras com ferramentas digitais, integra\u00e7\u00f5es fluidas e capacidades impulsionadas por IA.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"Leia mais sobre Transformando a distribui\u00e7\u00e3o de seguros com inova\u00e7\u00e3o digital\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\thref=\"https:\/\/www.capgemini.com\/solutions\/insurance-digital-agency-experience\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/Capcom-Banner_2880x1800_01.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tobject-position: 50% 50%; object-fit: cover;\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\tclass=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire2\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"World Life Insurance Report 2026\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWorld Life Insurance Report 2026\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Veja como as principais seguradoras fecham a lacuna de CX, modernizam a tecnologia e aceleram o crescimento no World Life Insurance Report 2026.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tVeja como as principais seguradoras fecham a lacuna de CX, modernizam a tecnologia e aceleram o crescimento no World Life Insurance Report 2026.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"Leia mais sobre World Life Insurance Report 2026\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\thref=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-life-insurance-report-2026\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WLIR-Insurance-2026-Capcom-Webpage-Banner_2880x1800.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tobject-position: 50% 50%; object-fit: cover;\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\tclass=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"slider-nav-wrapper largeDevice\">\n\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 text-center\">\n\t\t\t\t\t\t\t\t<div class=\"slider-nav\">\n\t\t\t\t\t\t\t\t\t<button class=\"slider-prev inactive\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"anterior do carrossel\"><\/button>\n\t\t\t\t\t\t\t\t\t<ul class=\"slider-paginator\"><\/ul>\n\t\t\t\t\t\t\t\t\t<button class=\"slider-next\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"pr\u00f3ximo do carrossel\"><\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit is-align-center\"><div class=\"container\"><div><div class=\"row\"><div class=\"col-12 col-md-2\"><\/div><div class=\"content-title col-12 col-md-8\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Leitura adicional<\/h2><\/div><\/div><div class=\"row\"><div class=\"col-12 col-md-2\"><\/div><div class=\"col-12 col-md-8\"><p><\/p><\/div><\/div><\/div><div class=\"row\"><div class=\"col-12 col-md-2\"><\/div><div class=\"col-12 col-md-8\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Edi\u00e7\u00f5es anteriores do World Life Insurance Report<\/h3><\/div><div class=\"expander-content\"><p><a href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-life-insurance-report-2026\/\" type=\"link\" id=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-life-insurance-report-2026\/\">World Life Insurance Report 2026<\/a><br><a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-life-insurance-report-2025\/\">World Life Insurance Report 2025<\/a><br><a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-life-insurance-report-2023\/\">World Life Insurance Report 2023<\/a><br><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/WLHIR_2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Life and Health Insurance Report 2022<\/a><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Notas de rodap\u00e9<\/h3><\/div><div class=\"expander-content\"><p>1. Capgemini Research Institute for Financial Services Analysis, 2026.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Isen\u00e7\u00f5es de responsabilidade<\/h3><\/div><div class=\"expander-content\"><p>As informa\u00e7\u00f5es contidas neste relat\u00f3rio s\u00e3o gerais e n\u00e3o se destinam a ser aconselhamento legal, tribut\u00e1rio, de investimento, financeiro ou profissional. A Capgemini n\u00e3o assume responsabilidade por erros ou omiss\u00f5es ou pelo uso deste material. Este relat\u00f3rio \u00e9 apenas para fins informativos e pode n\u00e3o atender \u00e0s suas necessidades espec\u00edficas. A Capgemini se isenta de responsabilidade por imprecis\u00f5es na tradu\u00e7\u00e3o e fornece as informa\u00e7\u00f5es &#8220;como est\u00e3o&#8221;, sem garantias. A Capgemini n\u00e3o ser\u00e1 respons\u00e1vel por quaisquer perdas decorrentes da confian\u00e7a nesta informa\u00e7\u00e3o.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"contentTitle col-12 col-md-8\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\">Explore nossos servi\u00e7os<\/h2><\/div><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Seguro\" href=\"\/br-pt\/industrias\/seguros\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Seguro<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/Life-insurance-page-web-banner-2880-x-1800.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Vida, Previd\u00eancia e Benef\u00edcios\" href=\"https:\/\/www.capgemini.com\/industries\/insurance\/life-annuities-benefits\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Vida, Previd\u00eancia e Benef\u00edcios<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Subscri\u00e7\u00e3o Inteligente\" href=\"\/br-pt\/subscricao-de-risco-inteligente\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Subscri\u00e7\u00e3o Inteligente<\/h3><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined is-style-cg-secondary-3 call-to-action-block\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" data-maxlength=\"144\">Fique informado<\/h3><p class=\"description\" data-maxlength=\"210\">Inscreva-se para receber as pr\u00f3ximas edi\u00e7\u00f5es do World Life Insurance Report e conte\u00fados relacionados.<\/p><\/div><div class=\"button-wrapper has-description\"><a class=\"cta-btn action-valid\" data-bs-toggle=\"modal\" data-bs-target=\"#CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\" data-maxlength=\"24\" tabindex=\"0\" href=\"#\"> Inscreva-se <\/a><\/div><div class=\"modal cta-frontend-modal-wrapper\" id=\"CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\" alt=\"logo\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" alt=\"logo\" class=\"light\"\/><\/div><h4 class=\"form-title\">Inscreva-se<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_649110_1174175335\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"asterisk_title\">\n\t\t\t\t\t<p><span class=\"star-required\">*<\/span> Campo obrigat\u00f3rio<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"mf_form__errors mf_form__errors--top\" role=\"alert\" aria-live=\"polite\">\n\t\t\t\t\t<ul class=\"mf_form__errors__list\"><\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344330_4305_389728005\" name=\"_mf_344330_4305\" placeholder=\"Nome\" required \/><label for=\"_mf_344330_4305_389728005\" class=\"form-label\">Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344330_8620_1906167317\" name=\"_mf_344330_8620\" placeholder=\"Sobrenome\" required \/><label for=\"_mf_344330_8620_1906167317\" class=\"form-label\">Sobrenome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_344330_7336_190207111\" name=\"_mf_344330_7336\" placeholder=\"Email\" required \/><label for=\"_mf_344330_7336_190207111\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344330_4673_385133539\" name=\"_mf_344330_4673\" placeholder=\"Empresa\" required \/><label for=\"_mf_344330_4673_385133539\" class=\"form-label\">Empresa <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344330_1886_3471562875\" name=\"_mf_344330_1886\" placeholder=\"Cargo\" required \/><label for=\"_mf_344330_1886_3471562875\" class=\"form-label\">Cargo <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_952819_8933_1659315586\" class=\"floating__label form-country-select-label\" data-content=\"Country\">\n\t\t\t\t<span class=\"floating-label-content\">Country<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_952819_8933_1659315586\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_952819_8933\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pa\u00eds<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afeganist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Alb\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tun\u00edsia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turcomenist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ucr\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbequist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis e Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimb\u00e1bue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Z\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >\u00c1frica do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >\u00c1ustria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >\u00cdndia<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\">Country n\u00e3o \u00e9 v\u00e1lido.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t});\n\t\t\t\t\t\t$select.on('blur', function() {\n\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t});\n                    });\n                });\n            });\n        <\/script>\n\n\t\t<div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<label for=\"_mf_952819_172_2228734637\" class=\"form-label\">\n\t\t\t \t\t<\/label>\n\n\t\t\n\t\t<div class=\"checkbox-controls checkboxrequired\">\n\n\t\t\t\n\t\t\t\t<div class=\"form-check\">\n\n\t\t\t\t\t<input class=\"form-check-input\" type=\"checkbox\"\n\t\t\t\t\t\tname=\"_mf_952819_172[]\"\n\t\t\t\t\t\tid=\"_mf_952819_172_0_2228734637\"\n\t\t\t\t\t\tvalue=\"lifeinsurancesubscription\"\n\t\t\t\t\t\t\t\t\t\t\t\trequired\t\t\t\t\t>\n\n\t\t\t\t\t<label class=\"form-check-label\" for=\"_mf_952819_172_0_2228734637\">\n\t\t\t\t\t\tAo enviar este formul\u00e1rio, concordo com o tratamento dos meus dados pessoais pela Capgemini para ser contatado(a) a respeito de ofertas de seguro de vida e informa\u00e7\u00f5es relacionadas.\t\t\t\t\t<\/label>\n\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t<\/div>\n\n\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_344330_7525_2226458530\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_344330_7525[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_344330_7525_2226458530\" class=\"form-check-label consent-text\">\n\t\t\t\tConcordo que a Capgemini colete e processe meus dados pessoais para me permitir receber informa\u00e7\u00f5es sobre os servi\u00e7os da Capgemini. Para mais informa\u00e7\u00f5es, consulte nosso <a href=\"https:\/\/www.capgemini.com\/br-pt\/sobre-nos\/aviso-de-privacidade\/\" target=\"_blank\">Aviso de Privacidade<\/a>.  &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label for=\"slider-submit-_mf_344330_1680\" class=\"slide-text\">\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_344330_1680\"\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tclass=\"mf_field__input slider-frm-btn\"\n\t\t\t\t\t\trel=\"_mf_344330_1680\"\n\t\t\t\t\t\tmin=\"0\"\n\t\t\t\t\t\tmax=\"100\"\n\t\t\t\t\t\tvalue=\"0\"\n\t\t\t\t\t\taria-label=\"Slide to submit\"\n\t\t\t\t\t\taria-describedby=\"slide-instruction-_mf_344330_1680\"\n\t\t\t\t\t\taria-valuenow=\"0\"\n\t\t\t\t\t\taria-valuemin=\"0\"\n\t\t\t\t\t\taria-valuemax=\"100\"\n\t\t\t\t\t\taria-orientation=\"horizontal\"\n\t\t\t\t\t\trole=\"slider\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\/>\n\t\t\t\t\t<!-- Arrow\/tick icon element: Firefox and Safari don't render ::before\/::after on inputs -->\n\t\t\t\t\t<span class=\"slider-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<span id=\"slide-instruction-_mf_344330_1680\" class=\"sr-only\">\n\t\t\t\t\t\tUse right arrow keys to slide, or drag right with your finger. When you reach 100 percent, the form is submitted.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">If you use a screen reader or VoiceOver, double-tap this button to submit the form.<\/span>\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Deslize para enviar\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Enviado\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"649110\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"revamp-fs-h2-world-life-insurance-reports-2027-subscription\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"ecd8d60ca8\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tSeu formul\u00e1rio foi enviado com sucesso.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. Por favor, tente novamente.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG649110 = {\"649110\":{\"errors\":{\"_mf_344330_4305\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_344330_8620\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_344330_7336\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_344330_4673\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_344330_1886\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_952819_172\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_344330_7525\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\"},\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<div class=\"wrapper-get-in-touch-block\">\n<section class=\"wp-block-cg-blocks-wrapper-get-in-touch section get-in-touch-block\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 class=\"getintouch-heading\">Conhe\u00e7a nossos especialistas<\/h2><\/div><\/div><div><div class=\"cg-slider show-card\"><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/08\/Samantha-Chow-Headshot-2024_2.jpg\" alt=\"Samantha Chow\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Samantha Chow<\/h3><p class=\"box-position\">L\u00edder global do setor de Vida e Previd\u00eancia<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/04\/julien-assouline.jpg\" alt=\"Julien Assouline\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Julien Assouline<\/h3><p class=\"box-position\">Managing Director de Servi\u00e7os Financeiros<\/p><p class=\"box-company\">Capgemini Invent<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/05\/Kiran-Boosam.jpg\" alt=\"Kiran Boosam\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Kiran Boosam<\/h3><p class=\"box-position\">L\u00edder global do portf\u00f3lio de Seguros<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/12\/Remi-Tordeux.jpg\" alt=\"R\u00e9mi Tordeux\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>R\u00e9mi Tordeux<\/h3><p class=\"box-position\">Head da pr\u00e1tica de Seguros, FS Fran\u00e7a e Europa Continental<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/luca.jpeg\" alt=\"Luca Russignan\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Luca Russignan<\/h3><p class=\"box-position\">Head global do Capgemini Research Institute for Financial Services<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Lotfi-Baccouche.jpg\" alt=\"Lotfi Baccouche\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Lotfi Baccouche<\/h3><p class=\"box-position\">Head global da pr\u00e1tica de Seguros<\/p><p class=\"box-company\">Capgemini Invent<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Prashant-Shastri_headshot-1-1.jpg\" alt=\"Prashant Shastri\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Prashant Shastri<\/h3><p class=\"box-position\">L\u00edder da unidade de neg\u00f3cios de Seguros<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Holly-Olive.jpg\" alt=\"Holly Olive\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Holly Olive<\/h3><p class=\"box-position\">L\u00edder da pr\u00e1tica de Seguros na Am\u00e9rica do Norte<\/p><p class=\"box-company\">WNS<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><\/div><div class=\"cg-slider hide-card\"><\/div><\/div><\/div><\/section>\n<\/div>\n\n<section class=\"latest-insights layout-odd layout-one-card-only \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Pesquisas e insights relacionados<\/h2><\/div><div class=\"layout-single-card\">\n                      <div class=\"row align-items-center w-lg-100\">\n                        <div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/tendencias-de-seguros-de-vida-2025\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg?w=2048&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg?w=500&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg?w=1000&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2025\/01\/Life-Landing-page-banner_2880x1800_04.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/tendencias-de-seguros-de-vida-2025\/\" aria-label=\"Tend\u00eancias de seguros de vida 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Tend\u00eancias de seguros de vida 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><\/div><\/section>\n\n<div class=\"wrapper-get-in-touch-block\">\n<section class=\"wp-block-cg-blocks-wrapper-get-in-touch section get-in-touch-block\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 class=\"getintouch-heading\">Comit\u00ea executivo do relat\u00f3rio<\/h2><\/div><\/div><div><div class=\"cg-slider show-card\"><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/AneeshKhanna.jpeg\" alt=\"Aneesh Khanna\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Aneesh Khanna<\/h3><p class=\"box-position\">Head de Grupo \u2014 Produtos e Segmentos<\/p><p class=\"box-company\">HDFC Life<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Bernardo-Castello-3.jpg\" alt=\"Bernardo Castello\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Bernardo Castello<\/h3><p class=\"box-position\">CEO<\/p><p class=\"box-company\">Bradesco Vida e Previd\u00eancia<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/C.Bartosik-Headshot-1.jpg\" alt=\"Colette Bartosik\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Colette Bartosik<\/h3><p class=\"box-position\">Managing Director de Servi\u00e7os Financeiros Go To Market<\/p><p class=\"box-company\">Salesforce<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Cindy-Hoes_Professional-Headshot-2025.jpg\" alt=\"Cindy Hoes\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Cindy Hoes<\/h3><p class=\"box-position\">CVP, Head de Pesquisa de Distribui\u00e7\u00e3o<\/p><p class=\"box-company\">LIMRA<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Giancarlo-Bosser-1-1.jpg\" alt=\"Giancarlo Bosser\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Giancarlo Bosser<\/h3><p class=\"box-position\">Chief Life Officer, It\u00e1lia<\/p><p class=\"box-company\">Generali<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Laura-Murach.jpg\" alt=\"Laura Murach\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Laura Murach<\/h3><p class=\"box-position\">Diretora de Pesquisa, Pesquisa de Distribui\u00e7\u00e3o<\/p><p class=\"box-company\">LIMRA<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Marguarette-Tucker.jpg\" alt=\"Marguarette Tucker\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Marguarette Tucker<\/h3><p class=\"box-position\">Diretora de Seguros<\/p><p class=\"box-company\">Google Cloud<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Rodrigo.jpg\" alt=\"Rodrigo Fern\u00e1ndez-Avello\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Rodrigo Fern\u00e1ndez-Avello<\/h3><p class=\"box-position\">Diretor-Geral Corporativo de Vida e Previd\u00eancia<\/p><p class=\"box-company\">Santaluc\u00eda<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Sophie-Misselyn.jpg\" alt=\"Sophie Misselyn\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Sophie Misselyn<\/h3><p class=\"box-position\">Diretora, membro do Comit\u00ea Executivo, l\u00edder de Vida e Vendas da Vivium<\/p><p class=\"box-company\">P&amp;V Group<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Sree-Rella-Photo.jpg\" alt=\"Sree Rella\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Sree Rella<\/h3><p class=\"box-position\">VP, Chief Information Officer<\/p><p class=\"box-company\">USAA Life Insurance Company<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Tom-Scales-NEW.png\" alt=\"Tom Scales\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Tom Scales<\/h3><p class=\"box-position\">Principal Analyst<\/p><p class=\"box-company\">Celent<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Walter-Kiceloff.jpeg\" alt=\"Walter Kiceleff\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Walter Kiceleff<\/h3><p class=\"box-position\">CEO<\/p><p class=\"box-company\">Zurich Santander Insurance America<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Phil-headshot-jpeg.jpg\" alt=\"Phil Ratcliff\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Phil Ratcliff<\/h3><p class=\"box-position\">Chief Growth Officer<\/p><p class=\"box-company\">Verisk Life Solutions<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><\/div><div class=\"cg-slider hide-card\"><\/div><\/div><\/div><\/section>\n<\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Report\",\n  \"name\": \"World Life Insurance Report 2027\",\n  \"alternateName\": [\n    \"Relat\u00f3rio Mundial de Seguros de Vida 2027\",\n    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Brasil. Mostra que 47% dos consumidores consideram contratar seguro de vida, mas 1 em 4 abandona a compra, e que as seguradoras best-in-class (10% das seguradoras) t\u00eam crescimento de receita 41% maior e taxa de cancelamento 12% menor.\"\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Veja as principais conclus\u00f5es do World Life Insurance Report 2027 sobre a inten\u00e7\u00e3o de compra de seguros de vida.<\/p>\n","protected":false},"author":23,"featured_media":649263,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[{\"uuid\":\"5c5b4d3c-2a1c-421d-a15b-8b809a66b52e\",\"blogId\":\"1\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/\",\"postLink\":\"https:\/\/www.capgemini.com\/insights\/research-library\/world-life-insurance-report\/\",\"postId\":836348,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"hreflang\":\"\",\"link\":\"\"}]","cg_seo_canonical_relation":"{\"uuid\":\"ba85ec36-58b8-4f0d-b96e-3b57f87e1d49\",\"blogId\":\"1\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/\",\"postLink\":\"https:\/\/www.capgemini.com\/insights\/research-library\/world-life-insurance-report\/\",\"postId\":836348,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"hreflang\":\"\",\"link\":\"\"}","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"ccb14059-7391-44e9-9115-a732200f6d00\",\"blogId\":\"1\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/\",\"postLink\":\"https:\/\/www.capgemini.com\/insights\/research-library\/world-life-insurance-report\/\",\"postId\":836348,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"isEnabled\":true}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"This is an updated version of the 2022 report.","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":208,"primary_term":"Customer first","featured_focal_points":""},"tags":[274,521,269],"research-and-insight-type":[70,73],"theme":[208,101],"brand":[72],"service":[28,77],"industry":[242,51],"partners":[],"content-group":[],"class_list":["post-638328","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","tag-insurance","tag-seguro-de-vida","tag-world-life-insurance-report","research-and-insight-type-capgemini-research-institute","research-and-insight-type-report","theme-customer-first","theme-data-and-ai","brand-capgemini-research-institute","service-customer-experience","service-data-ai","industry-financial-services","industry-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>World Life Insurance Report 2027<\/title>\n<meta name=\"description\" content=\"47% dos consumidores planejam contratar seguro de vida, mas 1 em 4 desiste. 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