Entendiendo la anulación y el rescate en los seguros de vida: una revisión de los principales detonantes e hipótesis
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https://doi.org/10.26360/2026_02Palabras clave:
seguros de vida, rescate, comportamiento del tomador, comportamiento ante la cancelación, riesgo de rescate, riesgo de caídaResumen
Este artículo ofrece una revisión exhaustiva de la literatura sobre el comportamiento del tomador en relación con el rescate y la cancelación de seguros de vida, analizando 85 publicaciones de las recientes décadas. Hasta donde alcanza nuestro conocimiento, esta constituye la revisión más amplia realizada hasta la fecha en términos del número de estudios analizados, excluyendo aquellos de naturaleza exclusivamente bibliográfica. El estudio analiza los enfoques propuestos en los diferentes análisis e identifica el mayor número de hipótesis consideradas en estudios previos, alcanzando un más de 20 hipótesis diferentes. Como característica distintiva, la revisión clasifica los hallazgos temporalmente, por tipo de producto - en particular diferenciando entre contratos con y sin valor de rescate- así como por país, teniendo en cuenta las diferencias en las características del mercado, los marcos legales, la tributación y la existencia de mercados secundarios de seguros. El objetivo es ofrecer una síntesis estructurada del conocimiento actual adaptada a cada tipo de seguro y contextos específicos, proporcionando así un marco para futuros investigadores y profesionales que les ayude a evitar la aplicación errónea de los resultados empíricos. El artículo concluye identificando las principales deficiencias identificadas y proponiendo nuevas áreas potenciales de investigación futura en este campo.
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Derechos de autor 2026 Carmen Perán Mazón, María Villeta, José Luis Valencia
Esta obra está bajo una licencia internacional Creative Commons Atribución-NoComercial-SinDerivadas 4.0.
