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The services industry in Brazil has been growing since the 80 s and is the most important industry in most developed economies. The study of services marketing in the United States and Europe has been becoming increasingly important ever since, however studies by Brazilian researchers are still scarce. The aim of this dissertation is to study the management of decision variables in marketing for negative demand services, both in a conceptual and practical perspective. With that purpose in mind, an extensive theoretical review about services marketing management was carried out, focusing particularly on decision variables related to price, product, distribution and communication and concluding with a critical analysis of negative demand services. From a practical perspective, an exploratory research using case studies was done. Thus, the field research comprised the study of two insurance companies and resulted in fresh ideas on the central subject of this dissertation. The resulting case analyses have shown that both studied companies are aware of the nature of the services they sell. The price variable is not a differentiation variable, since prices in the insurance industry are subjected to regulations. Distribution is similar on both companies and is executed by business partners and brokers that have in fact the sales role. In-house sales training and reward campaigns account for the majority of the investment expenses of the companies. Finally, it was evidenced that the studied companies use communication elements that increase consumers receptiveness to their products and employ public relations and sponsorships as their main communication tools.

Variáveis de decisão de marketing em serviços de demanda não desejada: dois casos no setor de seguros