Propuesta metodológica para la recuperación de cartera total de pólizas de ramos de fianzas renovaciones, para la disminución de cartera vencida en la empresa de seguros Aseguradora de Sur C.A

Abstract

The purpose of the methodological proposal is to establish a defined process of recovering the late payment portfolio for the Aseguradora del Sur C.A. This model can be implement in the different insurance companies in the country.

Currently in the insurance sector there is no defined collection process for the late payment portfolios, the finance policies in the insurance sector are characterized as contracts that cannot be canceled due to lack of payment, it is for this reason that bond policies are legal contracts and to terminate the validity of the policies, a definitive legalized certificate must be delivered, which indicates that the contract to which the bond policies were issued is terminated.

The proposal is focused on recovering overdue portfolio in the Aseguradora del Sur C.A, improve the liquidity of the Aseguradora del Sur C.A, define a process so that when the policies are renewed the collection of money is immediate, and perform a collection management with an external provider who helps us mitigate with an external provider who helps us mitigate the risk of having a bad portfolio.