bem-te-vi

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).

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

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

• Embedded insurance
• Insurance-as-a-service
• Insurtech platform
• API insurance integration
• B2B2C insurance distribution

Headquarters

HQ city

Brasil

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core 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

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Insurance Providers (Multiple)coreStrategic or Co-development Partnerbem-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

Direct 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

• Facebookfacebook.com/bemteviseguros
• LinkedInlinkedin.com/company/bemtevi-seguros
• Instagraminstagram.com/bemtevi.seguros

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about bem-te-vi