REGLAMENTO DE AGENTES DE SEGUROS

5(62/8&,21$'0,1,675$7,9$6396,61R
/D3D])(%
&216,'(5$1'2
4XH OD 6XSHULQWHQGHQFLD GH 3HQVLRQHV 9DORUHV \ VHJXURV WLHQH FRPR PLVLyQ UHJXODU \
ILVFDOL]DUHOGHVHPSHxRGHHVWRVPHUFDGRVFRQDWULEXFLRQHVSDUDHVWHHIHFWRFRQIHULGDVSRU
OD/H\GH3URSLHGDG\&UpGLWR3RSXODU
4XH OD /H\ LQGLFD TXH HV IXQFLyQ GH OD 6XSHULQWHQGHQFLD GH 3HQVLRQHV 9DORUHV \
6HJXURVILVFDOL]DU\FRQWURODUDODVSHUVRQDVHQWLGDGHV\DFWLYLGDGHVUHODFLRQDGDVDOVHFWRU
GHVHJXURVGHODUHS~EOLFD
4XHPHGLDQWH5HVROXFLyQ6XSUHPD1RGHOGHMXQLRGHVHGHVLJQDFRPR
6XSHULQWHQGHQWHGH3HQVLRQHV9DORUHV\6HJXURVDO'U3DEOR*RWWUHW9DOGpV
4XH HO $UWLFXOR ƒ GH OD /H\ GHILQH DO $JHQWH GH 6HJXURV FRPR OD SHUVRQD QDWXUDO
YLQFXODGD D XQD HQWLGDG DVHJXUDGRUD PHGLDQWH XQ FRQWUDWR TXH VH GHGLFD D OD
LQWHUPHGLDFLyQ\DODJHVWLyQFRPHUFLDOGHFRQWUDWRVGHVHJXURV
4XH HO $UWLFXOR GH OD /H\ HVWDEOHFH TXH VRQ ,QWHUPHGLDULRV H[FOXVLYDPHQWH ORV
$JHQWHVGH6HJXURVDVtFRPRORV&RUUHGRUHVGH5HDVHJXURV
4XHHO$UWLFXORGHOD/H\GLVSRQHTXLHQHVSRGUDQGHVHPSHxDUVHFRPR$JHQWHVGH
6HJXURVDVtFRPRVXVDWULEXFLRQHVREOLJDFLRQHV\OLPLWDFLRQHV
4XH HO '6 GHO GH 2FWXEUH GH HQ VX $UWLFXOR ƒ GHWHUPLQD TXH ODV
DFWLYLGDGHVGHORV,QWHUPHGLDULRVGH6HJXURVGHEHUiQVHUQRUPDGDVSRUOD6XSHULQWHQGHQFLD
GH3HQVLRQHV9DORUHV\6HJXURV
4XH SDUD DSUREDU HO 5HJODPHQWR GH $JHQWHV GH 6HJXURV VH KDFH QHFHVDULR HPLWLU OD
UHVSHFWLYDUHVROXFLyQDGPLQLVWUDWLYD
3257$172
(/683(5,17(1'(17('(3(16,21(69$/25(6<6(*8526(1862'(
/$6$75,%8&,21(6&21)(5,'$6325/(<
5(68(/9(
$SUREDU HO 5HJODPHQWR GH $JHQWHV GH 6HJXURV HQ VXV $UWtFXORV TXH IRUPDQ SDUWH
LQVHSDUDEOHGHODSUHVHQWHUHVROXFLyQ
5(*/$0(172'($*(17(6'(6(*8526
$57,&8/2$/&$1&(
(OSUHVHQWH5HJODPHQWRULJHODDFWLYLGDGGHORVDJHQWHVGHVHJXURVGHQWURGHORVDOFDQFHV
VHxDODGRVSRUORVDUWtFXORVGHO&yGLJRGH&RPHUFLR\\GHOD/H\ GH6HJXURV
1R
$57,&8/25(48,6,7263$5$2%7(1(5$8725,=$&,21
/DVSHUVRQDVLQWHUHVDGDVHQWUDEDMDUFRPRDJHQWHVGHVHJXURVGHEHUiQREWHQHUDXWRUL]DFLyQ
GH OD 6XSHULQWHQGHQFLD GH 3HQVLRQHV 9DORUHV \ 6HJXURV 6396 FXPSOLHQGR FRQ ORV
VLJXLHQWHVUHTXLVLWRV
D 7HQHUUHVLGHQFLDSHUPDQHQWHHQ%ROLYLD
E 1R HVWDUFRPSUHQGLGR HQ ODVSURKLELFLRQHVH LQKDELOLWDFLRQHV VHxDODGDV SRU HO &yGLJR
GH&RPHUFLR\OD/H\GH6HJXURVPHGLDQWHGHFODUDFLyQMXUDGDDQWHVGHODKDELOLWDFLyQ
F 6HUSUHVHQWDGRSRUXQDHQWLGDGDVHJXUDGRUD\WHQHUFRQWUDWRGHWUDEDMRFRQODPLVPD
G $SUREDU HO H[DPHQ GH FRQRFLPLHQWRV WpFQLFRV GH OD 6396 SDUD OD UDPD GH 6HJXURV
*HQHUDOHV LQFOX\HQGR $FFLGHQWHV 3HUVRQDOHV \ $VLVWHQFLD 0pGLFD VL OD DVHJXUDGRUD
RIHUWDHVWRVVHUYLFLRVVHJXURVGHSHUVRQDVRDPERV
H 1RHVWDUVXVSHQGLGRGHOD FDOLGDG GH DJHQWH SRU VDQFLyQ LPSXHVWD SRU OD 6396VDOYR
UHKDELOLWDFLyQH[SUHVDUHVXHOWDSRUODPLVPDHQWLGDG
$57,&8/2(;&/86,9,'$'
(O DJHQWH QR SRGUi VXVFULELU FRQWUDWR FRQ PiV GH XQD HQWLGDG GH VHJXURV GH XQD PLVPD
PRGDOLGDG 6L PDQWLHQH FRQWUDWR FRQ XQD HPSUHVD GH 6HJXURV *HQHUDOHV TXH DGHPiV
H[SORWD OD UDPD GH )LDQ]DV QR SRGUi VXVFULELU FRQWUDWR FRQ RWUD HPSUHVD TXH VH GHGLTXH
H[FOXVLYDPHQWHD)LDQ]DV
$57,&8/2(;$0(1'(+$%,/,7$&,21
/RV SRVWXODQWHV D DJHQWHV GH VHJXURV GHEHUiQ VRPHWHUVH D XQ H[DPHQ GH FRQRFLPLHQWRV
WpFQLFRVDQWHOD6XSHULQWHQGHQFLDUHDOL]DGRWULPHVWUDOPHQWH
(O H[DPHQ VHUi HVFULWR \ SRGUi DGRSWDU FXDOTXLHU PRGDOLGDG /RV WHPDV D VHU HYDOXDGRV
VHUiQ
D
E
F
G
$VSHFWRVJHQHUDOHVGHOD/H\GH6HJXURV
&yGLJRGH&RPHUFLRDVSHFWRVUHODFLRQDGRVFRQODDFWLYLGDGDVHJXUDGRUD
(OHPHQWRVGHO6HJXUR
&RQRFLPLHQWRVGHFREHUWXUDVEiVLFDVHQODVUDPDVGH6HJXURV *HQHUDOHV \ 6HJXURV GH
3HUVRQDVVHJ~QUDPDGHSRVWXODFLyQ
H &RQRFLPLHQWRGHOSUHVHQWH5HJODPHQWR
/DFDOLILFDFLyQPtQLPDGHDSUREDFLyQVHUiGHSXQWRVTXH KDELOLWDUi DO DJHQWH D FRQWDU
FRQ XQD FHUWLILFDFLRQ ILUPDGD SRU HO ,QWHQGHQWH GH 6HJXURV (Q FDVR GH QR DOFDQ]DU HVWH
SXQWDMHHOSRVWXODQWHSRGUiVRPHWHUVHDQXHYRVH[iPHQHV
(O H[DPHQ DSUREDGR SRU XQ DJHQWH DXVSLFLDGR SRU XQD HQWLGDG SXHGH VHULQYRFDGRFRPR
YiOLGR HQ FDVR TXH HO DJHQWH FDPELH GH HPSUHVD SHUR QR OR KDELOLWD SDUD DFWXDU FRPR
&RUUHGRU
/RVSRVWXODQWHVDDJHQWHVTXHDFUHGLWHQKDEHUHMHUFLGRIXQFLRQHVHMHFXWLYDVHQXQDHPSUHVD
DVHJXUDGRUD \ ORV FRUUHGRUHV GH VHJXURV TXH FXHQWHQ FRQ &HUWLILFDGR GH +DELOLWDFLyQ
RWRUJDGRSRUOD6396SRGUiQSUHVHQWDUXQDVROLFLWXGHVFULWDDQWHOD6XSHULQWHQGHQFLDSDUD
VHUH[LPLGRVGHOH[DPHQ
$57,&8/2(;$0(1'($&78$/,=$&,21
/RVDJHQWHVGHVHJXURVUHJLVWUDGRVHQOD6XSHULQWHQGHQFLDFRQFUHGHQFLDOH[SHGLGDDQWHVGH
OD SURPXOJDFLyQ GH OD /H\ GH 6HJXURV 1R GHEHUiQ VRPHWHUVH D XQ H[DPHQ GH
DFWXDOL]DFLyQGXUDQWHODJHVWLyQ
$57,&8/23(5,2'2'(358(%$
/RVSRVWXODQWHVDDJHQWHVSRGUDQYHQGHUVHJXURVSRUXQSOD]RPi[LPRGHWUHVPHVHVDQWHV
GH UHQGLU HO H[DPHQ GH FRQRFLPLHQWRV WpFQLFRV DQWH OD 6396 (Q HVWH SHULRGR ORV
SRVWXODQWHVDDJHQWHVGHEHUiQUHFLELUFXUVRVGHFDSDFLWDFLyQSRUSDUWHGHODVDVHJXUDGRUDV
/D 6396 VDQFLRQDUi HO LQFXPSOLPLHQWR GH OR VHxDODGR DQDWHULRUPHQWH VHJ~Q OD
UHJODPHQWDFLyQGHVDQFLRQHV
$57,&8/25(*,6752
/D6396OOHYDUiXQUHJLVWURGHORVDJHQWHVGHVHJXURVFRQODVLJXLHQWHLQIRUPDFLyQ
D 'DWRVJHQHUDOHVGHODJHQWH
E 1RPEUHGHODHPSUHVDDVHJXUDGRUDGRQGHSUHVWDVHUYLFLRV
F )HFKDGHH[SLUDFLyQGHODFUHGHQFLDOSXQWDMHREWHQLGRHQHOORVH[DPHQHV\UDPDGH
RSHUDFLyQ
G 5HQRYDFLRQHVUHDOL]DGDV\RWURV
/DGXUDFLyQGHOUHJLVWURVHUiLQGHILQLGDSHURODFUHGHQFLDOGHEHUiUHQRYDUVHDQXDOPHQWH6L
HODJHQWHFDPELDUHGHDVHJXUDGRUDGHEHUiDFWXDOL]DUDQWHOD6396VXQXHYDFUHGHQFLDO
$57,&8/2&5('(1&,$/
/D &RPSDxLD H[SHGLUi OD FUHGHQFLDO GHO DJHQWH FRQ YDOLGH] DQXDO FRQ OD VLJXLHQWH
LQIRUPDFLyQ
D
E
H
F
G
1RPEUHDSHOOLGRV\IRWRJUDItDGHODJHQWH
1~PHURGHUHJLVWUR\UDPDGHRSHUDFLyQ
1RPEUHGHODHPSUHVDDVHJXUDGRUDGRQGHSUHVWDVHUYLFLRV
)HFKDGHH[SLUDFLyQGHODFUHGHQFLDO
)LUPDGHO,QWHQGHQWHGH6HJXURV
/DFUHGHQFLDOVHUDHQYLDGDDOD6396SDUDVXUHJLVWUR
$57,&8/2352+,%,&,21(6
(ODJHQWHHVWiSURKLELGRGH
D 5HFLELU SDJRV GH SULPDV GH ORV DVHJXUDGRV VDOYR DXWRUL]DFLyQ H[SUHVD GH OD
DVHJXUDGRUD
E $VXPLUHOSDJRGHVLQLHVWURVGHPRGRSURSLR
F 3URSRQHU FRQGLFLRQHV GLVWLQWDV D ODV FRQWHQLGDV HQ OD SyOL]D \R FRQWUDULDV D ORV
SULQFLSLRV\QRUPDVGHOVHJXUR
G &RPSURPHWHUDODDVHJXUDGRUDHQFRQWUDWRVRFRQYHQLRVSDUDORVTXHQRHVWpDXWRUL]DGR
H 8WLOL]DU LQIRUPDFLyQ GLVWRUVLRQDGD GHVDFUHGLWDU D RSHUDGRUHV GHO PHUFDGR \ XVXDULRV
SDUDREWHQHUVHJXURVVLQSHUMXLFLRGHODVVDQFLRQHVSHQDOHVTXHFRUUHVSRQGDQ
I $FWRVGHFROXVLyQFRQFOLHQWHVTXHSHUMXGLTXHQDODDVHJXUDGRUD
J ,QWHUPHGLDUVHJXURVGHHQWLGDGHVQRDXWRUL]DGDVDRSHUDUHQ%ROLYLD
K 3DUWLFLSDUHQOLFLWDFLRQHVHLQYLWDFLRQHVGHOVHFWRUS~EOLFR
$57,&8/25(63216$%,/,'$''(/$(17,'$'$6(*85$'25$
/DDVHJXUDGRUDHVUHVSRQVDEOHGHORVDFWRVGHVXVDJHQWHVVDOYRTXHpVWRVDFW~HQIXHUDGH
ODVIDFXOWDGHVFRQIHULGDVHQHOFRQWUDWRDVtFRPRFXDQGRWHQLHQGRFRQRFLPLHQWRGHDFWRVGH
HVWDFODVHORVDFHSWDUHWiFLWDPHQWHRQRORVREVHUYDUHRSRUWXQDPHQWH
$57,&8/2352+,%,&,21(6$/$6(17,'$'(6$6(*85$'25$6
/DVHQWLGDGHVDVHJXUDGRUDVHVWiQSURKLELGDVGH
D 7UDEDMDU FRQ SHUVRQDV QDWXUDOHV TXH GHWHQWHQ OD FDOLGDG GH DJHQWHV VLQ TXH pVWDV
FXHQWHQFRQODDFUHGLWDFLyQGHOD6396
E 3DJDUFRPLVLRQHVGHDJHQWHDSHUVRQDVTXHQRWHQJDQHVWDFDOLGDG
F 8WLOL]DUFRPRDJHQWHVDSHUVRQDVVREUHODVTXHFRQFXUUDQFDXVDVGHLQKDELOLWDFLyQ
G 6HUFyPSOLFHGHVXVDJHQWHVHQRSHUDFLRQHVSURKLELGDVRTXHYXOQHUHQODVGLVSRVLFLRQHV
OHJDOHV
$57,&8/25(92&$725,$26863(16,21'(/$$8725,=$&,21
/D 6396 SRGUi UHYRFDU R VXVSHQGHU OD DXWRUL]DFLyQ RWRUJDGD D XQ DJHQWH GH VHJXURV GH
DFXHUGR D OD JUDYHGDG GH OD LQIUDFFLyQ FRPHWLGD HVSHFLILFDGD HQ HO 5HJODPHQWR GH
6DQFLRQHV
$57,&8/2$18/$&,21'(/$,16&5,3&,21
$GHPiV GH ODV VDQFLRQHV SUHYLVWDV HQ HO 5HJODPHQWR GH 6DQFLRQHV OD LQVFULSFLyQ VHUi
DQXODGDHQORVVLJXLHQWHVFDVRV
D &XDQGRHODJHQWHLQFXUUDHQODVFDXVDVGHLQFRPSDWLELOLGDGHLQKDELOLWDFLyQVHxDODGDSRU
HO&yGLJRGH&RPHUFLROD/H\GH6HJXURV1R\HOSUHVHQWH5HJODPHQWR
E 3RU OLTXLGDFLyQ R WUDQVIRUPDFLyQ GH OD HQWLGDG DVHJXUDGRUD R VXVSHQVLyQ GH OD
DXWRUL]DFLyQ GH RSHUDFLRQHV HQ OD UDPD R UDPRV GH DFWXDFLyQ GH VX DJHQWH R
WUDQVIHUHQFLDGHODFDUWHUDFRUUHVSRQGLHQWH
F $SHWLFLyQGHODHQWLGDGDVHJXUDGRUDRGHODJHQWHFRQFRQRFLPLHQWRGHODRWUDSDUWH
G )DOOHFLPLHQWRGHODJHQWH
$57,&8/2,163(&&,21(6
/D 6396 UHDOL]DUD LQVSHFFLRQHV WULPHVWUDOHV SDUD YHULILFDU HO FXPSOLPLHQWR GHO UHJLVWUR
OHJDOGHVXVDJHQWHV
$57,&8/2$&78$/,=$&,21
(Q HO SOD]R GH GLDV D SDUWLU GH OD SXEOLFDFLRQ GH OD SUHVHQWH 5HVROXFLRQ ODV HQWLGDGHV
DVHJXUDGRUDVGHEHQDFWXDOL]DUHOUHJLVWURGHDJHQWHVHQOD6396
5HJtVWUHVHSXEOtTXHVH\F~PSODVH