Often the definition of technological innovation is narrowly and mistakenly related only to industry when it technologically develops or perfects a product or to the pharmaceutical and chemical industries whose innovation is intrinsic to its nature.

However, in the field of social science, several lines of research are aimed at the design of new actuarial products, aiming to delineate and predict with the maximum possible possible operational risks. Also, in this sense, the mass treatment of socio-behavioral data, combined with the elaboration of algorithms responsible for promoting celerity to the interpretation of facts with unmapped occurrence, have full adherence to Law 11.196 / 05, whose benefit for financial institutions is around 45% of the total invested in these activities.


The insurance industry is facing numerous challenges and changes, having to survive in a scenario of high competitiveness and volatility, having to maintain its competitive advantage while also having to improve its profitability, generate revenue growth and, not least, regulatory changes.

One of the points to be mentioned in this topic concerns the study of tax regimes (Presumed Profit and Real Profit) that can be applied to securitization companies, among others. It is understood that the interpretation of the regulatory and oversight bodies is not precise, generating, with this, legal uncertainty in the entire sector. Because of this uncertainty, many companies opt for conservatism, which may increase their taxes.


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