TY - JOUR AU - Chinchilima Quezada, Yolanda Michelle AU - Lanche Capa, María Gabriela AU - Ordóñez Parra, Janice PY - 2022/05/02 Y2 - 2024/03/28 TI - Claim response model and its impact on the financial indicators in insurance companies in Cuenca, 2017-2020 period JF - Religación JA - rgn VL - 7 IS - 32 SE - General Section DO - 10.46652/rgn.v7i32.893 UR - https://revista.religacion.com/index.php/religacion/article/view/893 SP - e210893 AB - Currently, insurance companies rely on response models for claims, a tool that verifies the real-time status of their insured's mishaps, forcing companies to improve processes, guidelines, and customer service. The objective of this article is to establish guidelines and strategies that help the current claim reception model and provide a prompt response and solution to them, through financial indicators for the years 2017-2020. For this purpose, a character approach was used: quantitative, descriptive, explanatory and longitudinal; with the help of statements of financial situation of the Company "Seguros Alianza" to suggest aspects to improve, thus setting a precedent for the different insurance companies; The results showed the importance of a continuous improvement in the processes, renewing their perception in society, due to the ability to generate benefits, reflected by the liquidity indicator, which presented a result of 0.18, demonstrating that its liquid assets covered its short-term obligations, with respect to the solvency indicator, 1.6 was obtained, evidencing the ability to meet its payment commitments, in terms of Roe it reflects 92.25% for the periods studied, which means that it can cover its liabilities and to be a fundamental basis for correct decision-making by managers, as well as for their analysis of the viability of the investment, for which a standard model is proposed for the handling and adequate response of claims for the different insurance companies. ER -