{"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":"2026-10-01T05:13:13","modified_gmt":"2026-10-01T05:13:13","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 srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Pardot-landing-page-banner-1200X350-copy.jpg?w=1440&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: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Pardot-landing-page-banner-1200X350-copy.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Pardot-landing-page-banner-1200X350-copy.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Pardot-landing-page-banner-1200X350-copy.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Pardot-landing-page-banner-1200X350-copy.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/08\/Pardot-landing-page-banner-1200X350-copy.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:52% 54%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Cliente em primeiro lugar<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 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<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, 36% 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;\">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 crescimento de receita nas seguradoras <strong>best-in-class<\/strong>, 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% de 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-0e0aea28-1f37-4409-b459-9293cc0209d5\" 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-0e0aea28-1f37-4409-b459-9293cc0209d5\"><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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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_875557_2415_3279795070\" class=\"floating__label form-country-select-label\" data-content=\"Pa\u00eds\">\n\t\t\t\t<span class=\"floating-label-content\">Pa\u00eds<\/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_875557_2415_3279795070\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_875557_2415\" 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\">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 = 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_960577_9715_1814873769\" class=\"form-label\">\n\t\t\t opcional\t\t<\/label>\n\n\t\t\n\t\t<div class=\"checkbox-controls checkbox\">\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_960577_9715[]\"\n\t\t\t\t\t\tid=\"_mf_960577_9715_0_1814873769\"\n\t\t\t\t\t\tvalue=\"lifeinsurancesubscription\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\n\t\t\t\t\t<label class=\"form-check-label\" for=\"_mf_960577_9715_0_1814873769\">\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_813557_3262_4064854258\" 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_4064854258\" 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_3742996794\">Page title\t\t\t\t\t<\/label>\n\t\t\t\t<input type=\"hidden\" id=\"_mf_1155463_239_3742996794\" 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_3529210824\">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_3529210824\"\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_2749046369\">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_2749046369\"\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_2523211043\">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_2523211043\"\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_581266718\">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_581266718\"\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=\"fa00ae6a19\" \/>\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 percep\u00e7\u00e3o de custo, falta de clareza e 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 style=\"background:#f0f7fb; border-left:4px solid #0070ad; padding:20px 24px; margin:24px 0; border-radius:0 8px 8px 0;\">\n  <p 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><\/li>\n  <\/ul>\n  <p 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> sabem dos per\u00edodos de car\u00eancia ou de empr\u00e9stimos sobre o valor da ap\u00f3lice<\/li>\n  <\/ul>\n  <p 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% de 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, for\u00e7a de consultores e base de dados e intelig\u00eancia.<\/p>\n\n\n\n<div 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;\">Diferen\u00e7a<\/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 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 depende menos de investimento em marketing ou de reconhecimento de marca e mais 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 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 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 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, um elemento 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 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 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 setor, colocam as necessidades do consumidor no centro de cada decis\u00e3o. Na compara\u00e7\u00e3o com as seguradoras mainstream, elas t\u00eam <strong>1,8 vez<\/strong> mais probabilidade de oferecer educa\u00e7\u00e3o contextual e interativa, <strong>2,1 vezes<\/strong> mais de combinar consultores e consumidores por perfil, <strong>2,8 vezes<\/strong> mais de unificar os dados do consumidor em uma vis\u00e3o \u00fanica e <strong>3,1 vezes<\/strong> mais de 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: <strong>36%<\/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> sabem dos per\u00edodos de car\u00eancia ou de empr\u00e9stimos sobre o valor 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 77138985-d2e1-4ef2-98a8-a5c3402fce7a\">\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 impulsionada por IA na confer\u00eancia de seguros de vida de 2026\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransforma\u00e7\u00e3o impulsionada por IA na confer\u00eancia de seguros de vida de 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 de seguros de vida e anuidades de 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 de seguros de vida e anuidades de 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 impulsionada por IA na confer\u00eancia de seguros de vida de 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=\"Explore como as principais seguradoras preenchem a lacuna de CX, modernizam a tecnologia e impulsionam o crescimento no relat\u00f3rio de seguros de vida da Capgemini de 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 as principais seguradoras preenchem a lacuna de CX, modernizam a tecnologia e impulsionam o crescimento no relat\u00f3rio de seguros de vida da Capgemini de 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\/research-and-insight\/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\/research-and-insight\/world-life-insurance-report-2026\/\" type=\"link\" id=\"https:\/\/www.capgemini.com\/br-pt\/research-and-insight\/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, Anuidades, 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, Anuidades, 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 nossos Relat\u00f3rios Mundiais de Seguro de Vida 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_2106512549\" 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_3394972341\" name=\"_mf_344330_4305\" placeholder=\"Nome\" required \/><label for=\"_mf_344330_4305_3394972341\" 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_4202093136\" name=\"_mf_344330_8620\" placeholder=\"Sobrenome\" required \/><label for=\"_mf_344330_8620_4202093136\" 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_1141046173\" name=\"_mf_344330_7336\" placeholder=\"Email\" required \/><label for=\"_mf_344330_7336_1141046173\" 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_1299658000\" name=\"_mf_344330_4673\" placeholder=\"Empresa\" required \/><label for=\"_mf_344330_4673_1299658000\" 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_4210005558\" name=\"_mf_344330_1886\" placeholder=\"Cargo\" required \/><label for=\"_mf_344330_1886_4210005558\" 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_1191982013\" 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_1191982013\" 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_2325502818\" 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_2325502818\"\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_2325502818\">\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_537654644\" 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_537654644\" 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=\"fa00ae6a19\" \/>\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 Anuidades<\/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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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% do setor) 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":[208,101,241],"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","theme-digital-transformation","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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