Seguros e corretagem

Definição. Nine distinct reported stocks: PPNG, PPNG retrocession, PPNG RVNE, PSL, IBNR, PDR, PCC, other provisions, benefits to be granted. No summing overlapping stocks or inferring their adequacy.

Cobertura. All companies in six explicitly declared branches: 0114 residential, 0531 auto casco, 0553 vehicle third-party liability, 0977 credit life, 0993 group life, 1111 agricultural; sample latest one month, refresh latest three months.

Limitações. Not cash flows, claims payments, insurer regulatory capital or an ALM asset/liability duration match. Legacy discontinued PIP/IBNER/PDA/PCP columns excluded; zero values are retained only for active publisher fields. Market aggregation can conceal legal-entity or portfolio deficiencies; no adequacy inference from balance alone. PPNG and PPNG-RVNE fields remain separate; do not automatically add them without an entity-level accounting bridge. Public grid rounds to whole BRL and may be revised through FIP reloads. Raw public table may contain other branches; only the declared six are emitted. Missing any expected branch/metric in any requested month is an explicit failed partial result.