Implicaciones éticas de los life settlements y los viatical settlements

Jorge de Andrés-Sánchez

doi:10.26360/2020_1

Autores/as

Jorge de Andrés-Sánchez Universidad Rovira i Virgili (España)

DOI:

https://doi.org/10.26360/2020_1

Palabras clave:

mercados secundarios de seguros de vida, Life settlements, Viatical settlements, información asimétrica, azar moral, ética financiera

Resumen

En este trabajo analizamos las implicaciones éticas y morales de las transacciones conocidas como life settlements y viatical settlements. Son transacciones muy habituales en el mercado de seguros de EEUU, pero bastante desconocidas en Europa e inexistentes en España. Los mercados de seguros de vida tienen, por su naturaleza, un alto grado de asimetría informativa y riesgo moral y, además, estos acuerdos se hacen generalmente en una situación de fragilidad en la salud y financiera del asegurado. Estas cuestiones generan diversos dilemas éticos y morales sobre los que reflexionamos en este trabajo.

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