Life insurance is expanding its role within the financial planning of Brazilian citizens. This expansion has stimulated an increase in policies that combine protection, asset management, and long-term security.
In the financial sphere, Sicredi registered an amount of R$ 443.5 million in collected premiums, representing a growth of 15.1% compared to 2025 and exceeding 57% compared to 2023. During the first half of 2026, the financial cooperative accounted for almost 146 thousand new individual life insurance contracts, marking a 6% advance compared to the same period last year.
This movement reflects a trend observed in the national market. Data provided by the Superintendence of Private Insurance (Susep) indicates that the collection in the life insurance sector grew by 10.7% in the first four months of 2026, compared to the corresponding period of the previous year. Additionally, the increasing life expectancy reinforces the importance of continuous financial planning. According to the IBGE, the life expectancy of Brazilians reached 76.6 years in 2024.
The institution's information shows that the demand for protection and planning occurs at various stages of life. In the first semester, 51.5% of policyholders reported being between 18 and 40 years old, while 36.5% were in the age group of 41 to 60 years, and 11.7% were over 60 years old. This panorama suggests that life insurance is being integrated into the structuring of economic security, asset conservation tactics, and succession planning.
In response to the evolving needs of its members, Sicredi, in collaboration with Icatu Seguros, launched Seguro Vida Planejada (Planned Life Insurance). This solution aims to harmonize family protection, financial planning, and extended asset organization.
Among the notable features of this product are the ability to customize coverage, including support for up to 24 serious illnesses. Other differentials include the absence of price readjustment based on age group, which guarantees financial predictability throughout the contract. The insurance can offer a sum insured of up to R$ 30 million, with options for temporary or lifetime validity, in addition to allowing the constitution of a financial reserve subject to early repayment or withdrawal, depending on the established clauses.