The Chile Financial Market Commission has published its Insurance Market Financial Report for the close of 2025, showing total insurance sales of USD 17,737 million between January and December 2025, a real increase of 9.3 percent from the same period in 2024. Industry profits reached USD 1,311.2 million, up 13.6 percent in real terms. Life insurance sales rose 17.6 percent in real terms to USD 12,215 million, while general insurance sales fell 5.4 percent to USD 5,522 million. Within life insurance, 68.4 percent of premiums related to pension insurance, led by life annuities at 47.8 percent of total premiums and disability and survivorship insurance at 15.5 percent. In general insurance, the largest lines by direct premiums were earthquake and tsunami at 26.0 percent, motor vehicles at 23.3 percent, fire at 13.6 percent, surety and credit at 4.8 percent, general liability excluding motor vehicles at 4.8 percent, unemployment at 4.3 percent, and personal accident insurance at 2.1 percent. Life insurers reported profits of USD 983.2 million, up 5.2 percent, supported by higher retained premiums and investment results despite higher claims costs and technical reserve variations. General insurers posted profits of USD 328 million, up 49.2 percent, driven by stronger investment results, higher retained premiums and a better intermediation result, which offset higher claims costs. Investment portfolios remained broadly unchanged from the previous period, with domestic fixed income accounting for 53.7 percent of life insurers' portfolios and 78.0 percent of general insurers' portfolios.

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