Youse Seguros
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.
- Company typePrivate
- Founded2015
- HeadquartersSão Paulo, Brazil
- Headcount251–500
- GTM typeB2C
- OfferingServices
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.
Youse Seguros firmographics
Firmographics- 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
Youse Seguros industry classification
Industry- 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
Where Youse Seguros is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Youse Seguros business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Auto Insurance Premiums: Monthly subscription-style insurance premiums for vehicle coverage, with options for monthly credit card payments or annual contracts with discounts
- Residential Insurance Premiums: Monthly subscription-style insurance premiums for home coverage, billed monthly via credit card
- Life Insurance Premiums: Monthly subscription-style life insurance premiums with optional add-on coverages and assistance services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Auto Insurance starting at R$ 45/month |
| Subscription | Monthly | Residential Insurance starting at R$ 10/month |
| Subscription | Monthly | Life Insurance starting at R$ 13/month |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Youse Seguros product offering
Product offeringCore 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
Companies that use Youse Seguros
Customer profileSegments3 records
Ideal customer profiles3 records
Youse Seguros technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Youse Seguros partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Caixa Seguradora S.A.coreYouse 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
Youse Seguros competitors and assessment
Company assessmentBroad 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
Youse Seguros social profiles
Digital presenceYouse Seguros compliance and trust
Trust signalCompliance2 records
Youse Seguros financial estimates
Financial estimateRevenue estimate
Valuation estimate
Youse Seguros leadership team
Management profileNumber of profiles
Profiles1 record
Youse Seguros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Youse Seguros 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 Youse Seguros
What does Youse Seguros do?
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.
Is Youse Seguros a public or private company?
Youse Seguros is a private company. It is classified as corporate owned and is currently operating.
When was Youse Seguros founded?
Youse Seguros was founded in 2015. It employs 251 to 500 people.
Where is Youse Seguros based?
Youse Seguros is headquartered in São Paulo, Brazil, in the Latin America region.
How does Youse Seguros make money?
Three revenue lines are on record. Auto Insurance Premiums are the primary driver. The others are residential Insurance Premiums and life Insurance Premiums.
Who are Youse Seguros's main competitors?
Broad incumbents on record are Porto Seguro, SulAmérica Seguros, Tokio Marine Seguradora, HDI Seguros and Bradesco Seguros. Direct peers are Justos, 180° Seguros, Lemonade and Root Insurance. Wibe (Wibe Soluções em Seguros) is listed as an emerging player.
Does Youse Seguros have an API?
No public API is recorded for Youse Seguros.
What industry is Youse Seguros in?
Youse Seguros's product category is Digital Insurance (Insurtech). Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators), with a secondary code of FSAGAGAE, Data, Analytics & AI for Insurance (Risk, Pricing, Personalization). Its NAICS code is 524210 and its SIC code is 6411.