RETRACTED. RETRACTED. International Insurance Law Review, Sussex, U.K., v. 33, n. S5, p. 175–195, 2025. DOI: 10.64526/iilr.33.S5.12. Disponível em: https://lumarpub.com/iilr/article/view/33.S5.12. Acesso em: 12 dec. 2025.