caso sinaf 2011 - ansp

SINAF SEGUROS

Seguros para uma vida melhor.

8,2%

15,5%

25,4%25,2%

15,7%

9,0%

1,0%

População por faixas de renda familiar per captaBrasil - 2009

extremamente pobre

pobre

média - baixa

média - média

média alta

rico

extremamente rico

Fonte: IETS - Instituto de Estudos do Trabalho e Sociedade. Estimativas obtidas a partir da Pesquisa Nacional por Amostra de Domicílios - 2008 (PNAD - IBGE).

Brasil – população por classes

Brasil – indicadores educação e trabalho

Fonte: UN/ESA, IBGE e ENCE

That’s how I think about my lifecycle.To leave something to my children in the future.

I’m living slowly day by day, because I come from a poor family.I took out insurance to send money to my family

because I have my kidney transplanted.

And I hear people saying: “But Cida, you’re so young and you’re alreadythinking about death”. And I answer:

“That’s what we’re here for. We’ll all die someday”.

The money is never in our hands. When it is, it’s very little.A funeral is very expensive and death catches us off guard.

A funeral costs about R$1600 and nobody has this moneybecause nobody has saving accounts.

I’ve asked for money. For a friend of mine that passed away and didn’thave family here. Many people went out in the streets with me asking for it.

Because I won’t be here when they graduate or when they are older.I’m not going to last for more 50 years.

I’ve already said that if anything happens to me, the insurance moneywill pay for his college. He’s a hard-working boy and deserves it.

And nowadays I don’t have the means to pay for it.

My husband didn’t want me to do it. I did it without his permission.Now he’s accepted.

Why not? To be terrified when someone dies or to letpeople terrified if I die? So, let me do it.

I did it for my mother in law too, thank God.The price has increased a little bit, but I’m managing to pay for it.

I don’t think people are immortal,so I decided to do it although he didn’t want me to do it.

People see our outside and don’t realize what is inside us.They only see our appearance. They say: “Oh, Cida had the means for the

funeral”.

He arrived and I just filled up the death certificate.He got in, I gave everything to him, and that was it.

Many of those who saw my father’s funeral, decided to get insurance too,because they saw how it works. I really didn’t have any kind of trouble.

I simply went there to ensure the body.

And if I pass away, I know she’s going to be okay.She’ll have the conditions to live well with my children.I can live a hundred years more, but if I die today,

this money will pay for his college. My daughter is getting married now.Thank God she won’t be dependent.

But I’m 54 years old now. 34 years ago I hadalready paid for it. When they saw that coffin, it was a very good one,

because the silver is a very good one.

So I did it for them, for my two children and my wonderful wife.And this is very important. I can stop paying anything,

but I will never stop paying SINAF, because I don’t know about tomorrow.This is really important to us.

SINAF is only for those that are conscious about it.

Produtos.

18 70

Assistência Funeral + Vida Individual ou Casal

60 80

Assistência Funeral (dependentes)00 80

idade

Assistência Funeral + Acidentes Pessoais

Garantia de Renda Mensal (06 a 24 meses)

Dignidade

Confiançano

FUTURO

Distribuição.

Uma pequena fábrica de cidadania.

SINAF has brought this to my life. It has brought my dreams back. It has showed me I’m capable.

For me it was a very considerable sign witch made possiblethe opening of new horizons.

I had my entire house reformed. I’ve saved money for that. In august I had my 10 year anniversary in this company and Iinsisted on buying a brand new car.

It makes me really proud to have this conquest in ten years of work.

I’m building my house, I’ve done courses and I intendon doing a technical course because the company is providing me that. I’ve done a plastic surgery, I’ve changed my whole face, and I’m feeling

much more beautiful and happier with my life and everyone else.During the period of one year and two months, when my husband was

unemployed, I got to maintain my children’s standard of living andkeep them in a private school.

My son has graduated in Law School thanks for this company.All this made me realize I have potential and made me move on.

I’ve entered the university and now I’m attending the seventh period. Here I found a family that believes in me. Sometimes everythinga professional needs is someone to believe in their potential.

The conquest I’ve had is much more important than anything elseI could pay for. I’ve received my insurance card and now

I’m an insurance professional.

Each client is a challenge, every door you open is a different storyto listen to, and in one way or another, you also make part of that story.

So we transmit to them what SINAF represents to us and whatit will represent to him in the future.

That’s true.

Because usually they don’t even think about insurance, they justthink about bearing their dear ones, once they aren’t able to afford it.

I try to clarify this at the moment of the purchase. I say:“This is a product you don’t want to use and you don’t want to talk about,

but it’s important for you to prevent it”. I often work in this manner.

That’s the most important thing in our company, because we transmit trust.Those people end up buying the product and one advises

to the other, resulting in an information-chain.

Working at SINAF made me reconquer my self-steem, made my standardof living better and also made me conquest the society’s respect.

I’m sure this company has yet many things to provide me.

Marketing.

How to set up your mother’s in law death.

None of our clients have ever come back to complain.

Cremation. Hot news from SINAF.

SINAF has passed away and went to heaven.

Now we are SINAF Seguros.

We know that you will never die.

But, what if it happens?

One day you don’t wake up, and guess what?

You are rich.

Madam, would you like the good news or the bad news first?

If you drink, don’t drive.

If you drive, SINAF.

Buy life insurance from SINAF.

Your family will love you forever.

(Singing: “Zé is a good fellow”)

In a past life, he was Roberto. He bought life insurance, and cared for his family future.

He was Andre. He bought life insurance, and took care of his children's education.

He was Sergio. He bought life insurance, and left a house for his family.

In a past life, he was Antonio. Buy life insurance from SINAF. Life insurance you can afford.He didn’t buy life insurance. He left his family empty-handed.

SINAF. Our widows are a good catch.SINAF. Life insurance for a better life.

We are here to test SINAF.But doesn’t someone need to die for us to receive the payment?Sure! It’s life insurance!Ok. I agree!Would you like to try SINAF?One month later...Did you like SINAF?I loved it! I was very lucky, because my husband died after one week. Poor fellow...

But I received a lot of money. I’m so happy! My house looks brand new! I’m a new woman!

Got it? You need life insurance. Call SINAF right now.

Indicadores Financeiros

RESULTADO

37.097.000

3.371.780 ( 9% )

RECEITA

5%

10%

21%

Pedro Bulcão

(55-21) 3212-1400

pbulcao@sinaf.com.br

www.sinaf.com.br