bem-te-vi
bem-te-vi is a Brazilian Insurance-as-a-Service platform that enables fintechs and technology companies to embed insurance and assistance products into their platforms via APIs, handling regulatory compliance, operational infrastructure, and distribution optimization end-to-end.
- Company typePrivate
- Founded2021
- HeadquartersBrasil, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What bem-te-vi does
bem-te-vi is a Brazilian Insurtech founded in 2021 that operates an Insurance-as-a-Service (IaaS) platform enabling fintechs and technology companies to embed insurance and assistance products into their customer journeys via APIs. The platform is formally registered as BEM-TE-VI CONSULTORIA, TECNOLOGIA E CORRETAGEM DE SEGUROS LTDA (CNPJ 38.365.791/0001-26) and operates under SUSEP authorization (registration 212113821), granting it regulated standing to broker insurance in Brazil. Headcount is reported in the 11–50 range, and the company is headquartered in Brazil (São Paulo region).
The technology stack centers on a Plug & Play API infrastructure, adaptable partner-branded interfaces, real-time KPI dashboards, and a dedicated claims portal (sinistros.bemteviseguros.com), with public integration documentation hosted at docs.bemteviseguros.com. Core product surface is split between Seguros (customizable insurance coverages tailored per partner strategy) and Assistências (recurring-use assistance services). The company positions itself as a partner-agnostic intermediary between multiple insurance providers and B2B distributors, integrating the entire protection journey end-to-end and applying data science to conversion and benchmark data for distribution optimization.
The business model is B2B2C: bem-te-vi negotiates insurance supply on behalf of technology partners, which embed products into their own platforms and distribute to end customers. Revenue mechanics combine transaction fees on insurance distribution with recurring revenue from assistance services, with quote-based pricing negotiated per partner. Customer acquisition relies primarily on direct partner inquiry via the website, LinkedIn presence, and integration documentation as a content-marketing funnel. Total disclosed funding is approximately $2.17M across two rounds (Feb 2022 led by Astela/FCJ Venture Builder; April 2023 led by Astella).
bem-te-vi firmographics
Firmographics- Name
- bem-te-vi
- Legal name
- BEM-TE-VI CONSULTORIA, TECNOLOGIA E CORRETAGEM DE SEGUROS LTDA
- Website
- https://bemtevi.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- bem-te-vi is a Brazilian Insurance-as-a-Service platform that enables fintechs and technology companies to embed insurance and assistance products into their platforms via APIs, handling regulatory compliance, operational infrastructure, and distribution optimization end-to-end.
- Ownership category
- akta.pro rank
bem-te-vi industry classification
Industry- Product category
- Embedded Insurance / Insurtech
- NAICS
- Insurance Agencies and Brokerages (524210), Computer Systems Design Services (541512)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Technology / IT Services BOP (FSAJAFAK)
Keywords
Where bem-te-vi is headquartered
LocationHeadquarters
- HQ city
- Brasil
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
bem-te-vi business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Product Distribution: bem-te-vi acts as an intermediary between insurance companies and technology companies, enabling embedded insurance product distribution through their platform. The company creates protection programs for partners that generate new revenue streams while managing the full insurance operations.
- Assistance Services: Recurring assistance services that are bundled with insurance products, providing partners with simple and fast implementation to enhance customer experience and generate recurring revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Customized protection programs based on partner needs |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
bem-te-vi product offering
Product offeringCore offering
bem-te-vi operates an Insurance-as-a-Service platform (also branded as Protection-as-a-Service) that enables fintechs and technology companies to embed insurance and assistance products directly into their customer journeys via APIs. As a SUSEP-registered insurance broker, the company designs customized protection programs, manages regulatory and operational infrastructure, and negotiates with insurance providers on behalf of partners, while partners retain the end-customer relationship.
Product overview
bem-te-vi is an Insurance-as-a-Service (Insurance as a Service) company that offers a protection platform combining insurance (Seguros) and assistance services (Assistências) in a single platform. The core offerings include Seguros (customizable insurance products with tailored coverages) and Assistências (recurring-use assistance services), both delivered through robust APIs, adaptable interfaces, and real-time KPI dashboards. The platform enables technology companies to embed protection programs into their distribution journey without building operations from scratch.
Differentiator
Problem solved
Functional benefit
Products and services
- Seguros
Quantifiable outcome
- Higher customer LTV (Lifetime Value) for partners
- +3 more outcomes
Companies that use bem-te-vi
Customer profileSegments1 record
Ideal customer profiles1 record
bem-te-vi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
bem-te-vi partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Insurance Providers (Multiple)corebem-te-vi operates as an agnostic intermediary between technology companies and multiple insurance providers. The company negotiates with various insurers to deliver the best protection program for each partner's business model, managing all insurance operations and compliance.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
bem-te-vi competitors and assessment
Company assessmentDirect peers
- Akua: Brazilian embedded insurance startup formerly known as 180˚ Seguros, building an API-driven distribution platform that partners with fintechs and digital businesses to embed insurance. Closest direct analogue to bem-te-vi's model in the same geography.
- Pier: Brazilian Insurtech offering embedded insurance-as-a-service with an API-first platform targeting digital businesses. Highly comparable in product, geography, and partner-centric GTM.
- Cover Genius: Global embedded insurance platform (Smart Protection API) enabling partners to embed insurance worldwide. Comparable in Insurance-as-a-Service/API-first architecture and partner distribution motion, but operates at a much broader international scale.
- Boost Insurance: US-based embedded insurance Infrastructure-as-a-Service platform enabling digital brands to launch and distribute insurance products via APIs. Highly comparable Insurance-as-a-Service/embedded offering, though focused on the US market.
- Wrisk: UK-based embedded insurance platform offering a SaaS/API toolkit for brands and platforms to embed insurance products. Comparable in API-first IaaS design and partner-led distribution model.
Regional players
- Justos: Brazilian Insurtech that uses data and technology to offer fairer auto insurance. Same Brazilian market and tech-led insurance thesis, but direct-to-consumer rather than embedded distribution.
- Iguana: Brazilian Insurtech providing technology and distribution platforms for digital insurance products, with shared focus on Brazil-based technology-enabled insurance distribution.
Emerging players
- Trov: Insurance-as-a-Service platform enabling on-demand insurance products via API for digital platforms. Comparable white-label embedded offering, though now pivoted toward mobility-specific deployments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
bem-te-vi social profiles
Digital presencebem-te-vi compliance and trust
Trust signalCompliance2 records
bem-te-vi financial estimates
Financial estimateRevenue estimate
Valuation estimate
bem-te-vi leadership team
Management profileNumber of profiles
bem-te-vi funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
bem-te-vi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about bem-te-vi
What does bem-te-vi do?
bem-te-vi operates an Insurance-as-a-Service platform (also branded as Protection-as-a-Service) that enables fintechs and technology companies to embed insurance and assistance products directly into their customer journeys via APIs. As a SUSEP-registered insurance broker, the company designs customized protection programs, manages regulatory and operational infrastructure, and negotiates with insurance providers on behalf of partners, while partners retain the end-customer relationship.
Is bem-te-vi a public or private company?
bem-te-vi is a private company. It is classified as venture growth investor backed and is currently operating.
When was bem-te-vi founded?
bem-te-vi was founded in 2021. It employs 11 to 50 people.
Where is bem-te-vi based?
bem-te-vi is headquartered in Brasil, Brazil, in the Latin America region.
How does bem-te-vi make money?
Two revenue lines are on record. Insurance Product Distribution is the primary driver. The others are assistance Services.
Who are bem-te-vi's main competitors?
Direct peers on record are Akua, Pier, Cover Genius, Boost Insurance and Wrisk. Regional players are Justos and Iguana. Trov is listed as an emerging player.
Does bem-te-vi have an API?
Yes. bem-te-vi provides a robust API infrastructure for insurance integration. The platform offers APIs for insurance products (seguros) and assistance services (assistências), enabling partners to embed protection programs into their operations. Documentation is available via the Integration Guide (Guia de Integração). Developer documentation is at docs.bemteviseguros.com.
What industry is bem-te-vi in?
bem-te-vi's product category is Embedded Insurance / Insurtech. Its primary akta.pro industry code is FSAJAFAK, Technology / IT Services BOP. Its NAICS code is 524210 and its SIC code is 6411.