MGA, el modelo asegurador que crece en el mundo y desafía al mercado colombiano
El mercado asegurador colombiano continúa mostrando señales de solidez y crecimiento, pero al mismo tiempo enfrenta el desafío de adaptarse a modelos que ya son comunes en otras economías.
TL;DR
- The Colombian insurance market is showing signs of solidity and growth, with a projected 6.5% increase by 2026.
- Managing General Agents (MGAs) are gaining global prominence but lack a regulatory framework in Colombia.
- MGAs are intermediaries with broader faculties than traditional brokers, including underwriting and claims administration.
- In other markets, MGAs help insurers expand rapidly, innovate, and handle complex risks.
- Potential benefits of MGAs in Colombia include developing insurance for emerging risks and serving underserved markets like SMEs and rural populations.
- Colombia's current regulations, enforced by the Financial Superintendence, only recognize agents, agencies, and brokers, with MGA functions reserved for supervised insurers.
- Operating as an MGA in Colombia under the international model would currently be outside the Colombian legal framework.