Análisis del impacto del COVID-19 a nivel de recaudación del portafolio de clientes emitidos en la aseguradora Liberty S.A sede Ecuador en el periodo 2020 – 2021

Abstract

The main objective of this work is to determine the impact of the COVID -19 health emergency on Liberty S.A. on the collection of the client portfolio and establish the necessary tools to support the collection process. The activity of the company is the sale of insurance policies in the Ecuadorian market at the national level, the same ones that were affected in the years 2020-2021 by the security measures that the country took, causing innumerable inconveniences such as a decrease in sales of insurance, unemployment, increases in claims and, above all, non-payment of insurance premiums, triggering cancellations and annulments of contracted policies. The descriptive - analytical and qualitative method was used through the collection of information in the different enabled media: web pages of insurance companies, as well as press articles. The company's income was affected by the economic crisis that the country went through as it was in lockdown. In 2021, there was an increase in the value of income as well as a decrease in the value of cancellations, this is due to the economic reactivation that the country was gradually experiencing. One of the main suggestions is the creation of more virtual collection or self-management tools for brokers and clients, since the lack of digital mechanisms that facilitate the collection process was observed.