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The emergence in much of Latin America of a new middle class with greater demands and the progressive aging of the population are factors behind the expansion of the employee benefits market in the region. Many medium and large companies are offering benefits such as life insurance, health coverage and retirement savings plans with the primary goal of attracting and retaining qualified personnel. However, there are still obstacles to overcome for these benefits to become widespread. There remains greater insurance awareness among multinational companies compared to local companies and, in many cases, benefits at the local level are limited to management.
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