Youse Seguros

What Youse Seguros does

Youse Seguros operates a 100% digital insurance distribution platform serving individual Brazilian consumers across auto, residential, and life insurance lines. Founded in 2015 and headquartered in São Paulo, the company is a brand of Caixa Seguradora S.A., the insurance arm of state-owned Caixa Econômica Federal, which provides regulatory underwriting capacity under SUSEP registration n. 5631. The platform's core technology is a mobile-first application with a real-time pricing engine that lets customers quote, customize coverage, purchase, and file claims entirely through the iOS/Android app, website, or WhatsApp channel. Notable feature differentiators include Liga e Desliga (turn coverage on/off), pay-per-kilometer auto insurance, and pioneer integration of Brazil's central-bank PIX instant-payment rail.

The business model is built around recurring monthly subscription premiums billed via credit card or PIX, with fixed pricing offered for 24-month contract periods and up to 24x interest-free installments. Youse employs a product-led growth, direct-to-consumer go-to-market with no physical branches, no agents, and no brokers. Customer segments are horizontal across use cases: Brazilian vehicle owners, homeowners/renters, and individuals seeking life protection, each served through the same app-based self-serve flow with add-on assistance services (e.g., 20 assistance services bundled into life coverage). Prize-drawing incentives are layered into life products (R$5,000 weekly and R$50,000 monthly) to drive engagement and retention.

The company self-describes as Brazil's first 100% digital insurance platform and the largest insurtech in Latin America. Revenue is not publicly disclosed, and headcount is in the 251–500 range. Youse is wholly owned within the Caixa group structure with no independent venture funding, and its competitive moat is anchored in distribution via the parent conglomerate's regulatory and financial backing, brand positioning as a digital pioneer, and a structurally lower-cost direct-to-consumer model versus incumbent Brazilian carriers.

Name

Youse Seguros

Legal name

Youse (marca da Caixa Seguradora S.A.)

Website

https://youse.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

Youse Seguros is a Brazil-based, 100% digital insurance platform offering auto, residential, and life insurance to individual Brazilian consumers via mobile app, website, and WhatsApp, operating as a brand of Caixa Seguradora S.A.

Ownership category

akta.pro rank

Product category

Digital Insurance (Insurtech)

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)

Keywords

• Digital insurance platform
• Auto insurance
• Home insurance
• Life insurance
• Insurtech services

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Auto Insurance Premiums: Monthly subscription-style insurance premiums for vehicle coverage, with options for monthly credit card payments or annual contracts with discounts
2. Residential Insurance Premiums: Monthly subscription-style insurance premiums for home coverage, billed monthly via credit card
3. Life Insurance Premiums: Monthly subscription-style life insurance premiums with optional add-on coverages and assistance services

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Youse Seguros is a 100% digital insurance platform (Insurtech) offering customizable auto, residential, and life insurance products to Brazilian consumers through its mobile app, website, and WhatsApp channel. Customers can quote, customize coverages, purchase policies, and file claims entirely online with monthly subscription-based billing via credit card or PIX instant payments. The company operates as a brand of Caixa Seguradora S.A. and pioneered the fully digital insurance model in Brazil.

Product overview

Youse Seguros is a 100% digital insurance platform (Insurtech) offering three core insurance products: Seguro Auto (car insurance), Seguro Residencial (home insurance), and Seguro Vida (life insurance). The platform allows users to customize coverage and assistance services according to their needs, pay through various methods including PIX and credit card, and manage all insurance matters through the mobile app. Youse is a brand of Caixa Seguradora S.A. and is described as the largest Insurtech in Latin America.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Auto Car insurance product allowing users to customize coverage and assistance services, pay monthly with fixed rates, and access benefits such as extra roadside assistance for new vehicles. Features include Liga e Desliga (turn on/off coverage) and pay-per-kilometer pricing.
• Seguro Residencial Home insurance product covering residential properties with customizable protection plans for damage, theft, and natural disasters, plus residential assistance services. Starting price from R$ 10/month.
• Seguro Vida Life insurance product with customizable coverage including cancer diagnosis indemnification, accidental death double indemnification, and natural/acidental death coverage, plus 20 assistance services. Includes weekly and monthly prize drawings for customers. Starting price from R$ 13/month.

Quantifiable outcome

• Up to 20% discount available on insurance premiums
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Caixa Seguradora S.A.coreOthersYouse is a brand of Caixa Seguradora S.A., an authorized insurer regulated by SUSEP (n. 5631). Caixa Seguradora provides the regulatory and financial backing for Youse's insurance products including Auto (SUSEP 15414.900039/2016-18), Residential (SUSEP 15414.900040/2016-34), and Life (SUSEP 15414.900041/2016-89) insurance.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Porto Seguro: Porto Seguro is Brazil's largest multi-line insurer with dominant share in auto and a long-running digital transformation (Porto Seguro Online, Porto Bank). It competes directly with Youse in auto and residential insurance but as an established incumbent with branch, broker, and telematics channels rather than a pure-digital model.
• SulAmérica Seguros: SulAmérica is one of Brazil's largest insurance groups, with a strong auto/health/life portfolio under the SulAmérica and Azul Seguros brands. It competes broadly with Youse across all three lines, with significantly larger scale, broader distribution, and ongoing investment in digital channels aimed at replicating the PLG experience Youse pioneered.
• Tokio Marine Seguradora: Tokio Marine is among Brazil's top non-life insurers (auto, residential, SME) and has invested in digital distribution through Tokio Marine Seguradora's online channels. Comparable as a large, multi-line insurer with a growing digital channel competing for the same Brazilian consumer segments as Youse.
• HDI Seguros: HDI is a leading Brazilian P&C insurer focused on auto and property with its own broker-led and digital channels. Comparable to Youse in product scope (auto, residential) and in competing for the same Brazilian insured pool, but it operates predominantly through traditional broker distribution.
• Bradesco Seguros: Bradesco Seguros is the insurance arm of Banco Bradesco, one of Brazil's largest private banks, with broad auto, residential, and life product portfolios. It competes with Youse across all three product lines and benefits from a captive bank distribution channel analogous to Youse's Caixa Seguradora relationship.

Direct peers

• Justos: Justos is a Brazil-native auto insurtech using telematics and a mobile-first model to offer fairer, usage-based pricing — directly mirroring Youse's pay-per-kilometer positioning. Both target Brazilian consumers through a 100% digital funnel and compete for the same digitally-engaged, price-sensitive auto customer.
• 180° Seguros: 180° Seguros is a digital-first Brazilian insurance broker/insurer offering auto, home, and life coverage through app and web channels with monthly subscription pricing. It competes with Youse head-on in the same product categories with a similarly self-serve, digital onboarding experience.
• Lemonade: Lemonade is a US-listed consumer insurtech offering renters, home, pet, and life coverage through a 100% digital, AI-driven funnel with monthly subscription pricing — the closest global analogue to Youse's PLG insurtech model. Comparable as a strategic and operational reference for digital-first, multi-line consumer insurance.
• Root Insurance: Root is a US auto insurtech built around telematics-based and usage-based pricing through a mobile app. Directly comparable to Youse's pay-per-kilometer and Liga e Desliga auto features in using driving data to personalize pricing in a DTC app experience.

Emerging players

• Wibe (Wibe Soluções em Seguros): Wibe is a Brazilian digital insurance broker focused on auto and home delivered through a digital platform with embedded integration into partnership funnels. Comparable to Youse as a digital broker operating in the same product categories with similar self-serve UX and partnership-driven distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/youseseguros
• YouTubeyoutube.com/@youseseguros
• Facebookfacebook.com/youseseguros
• LinkedInlinkedin.com/company/10411941
• Instagraminstagram.com/youseseguros
• TikToktiktok.com/@youseseguros

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Youse Seguros