アラビアン・ジャーナル・オブ・ビジネス・アンド・マネジメント・レビュー

The Five Competitive Forces of the Insurance and Pension Funds Industry for the Angolan Case

Abstract

Eduardo Gando Manuel

This article aims to analyze the five forces of Michael E. Porter, professor at Harvard Business School in the case of Insurance and Pension Funds Industry in Angola. We concluded that the five competitive forces of the insurance and of Angola pension funds industry are always subject to change according to the evolution of both markets. The level of insurance, involves changing the habits of insured within the insurance underwriting, the insurance underwriting obligation by the Government and also the supervisory measures to be taken in the future that may allow or not the permanence of current insurance in the domestic market. Already the level of pension funds, the changes of the five competitive forces of this industry will depend on the willingness and needs of individuals, public and private institutions to guarantee income for the future without relying on National Social Security Institute (INSS).