Orígenes Seguros

What Orígenes Seguros does

Orígenes Seguros de Retiro S.A. is a privately held Argentine insurance company that provides retirement savings and investment products to two distinct customer segments: individual consumers and corporate clients. Founded circa 1989 and headquartered in Buenos Aires, the company operates under the regulatory oversight of the Superintendencia de Seguros de la Nación (SSN) under registration Nro. 0423, and has accumulated more than 35 years of continuous operation in the Argentine retirement insurance market. The firm maintains 101–250 employees and reaches customers through a hybrid distribution model that combines direct digital self-service (website enrollment forms), phone-based inside sales (0810-666-8484), WhatsApp Business, and a producer/agent intermediary network served by a dedicated portal at pas.origenes.com.ar.

The company's product architecture consists of seven animal-themed savings plans. For individuals, Plan Ardilla offers monthly savings in pesos or dollars with a 1% guaranteed minimum return and an average 6.2% profitability over five years on dollar-denominated contributions; Plan Oso provides a lump-sum investment vehicle starting at ARS 250,000 with optional monthly top-ups; and Plan Elefante is an education savings plan that bundles life and disability insurance for the policyholder and offers a tax deduction of up to ARS 573,817.13. For corporate clients, Plan Koala addresses employee retention and loyalty, Plan León ties contributions to goal achievement, Plan Camello encourages employee savings via employer-employee contributions, and Plan Cebra provides voluntary employee savings at preferential costs. The underlying technology stack is conventional: digital portals for policyholders and producers, a website, and standard CRM/communication tooling — no proprietary AI, algorithms, or technical platforms are disclosed in the available material.

Orígenes generates revenue primarily through recurring subscription-style monthly premiums across its individual and corporate plans. Pricing is dual-currency (pesos and dollars), with the company pooling contributions into investment portfolios and sharing profitability with policyholders via a guaranteed minimum return plus additional yields. Customer acquisition blends product-led growth through educational content marketing (an active blog covering savings tips, retirement myths, and compound interest) with enterprise field sales supported by sales advisors for corporate accounts. The company holds ISO 9001 certification from Bureau Veritas for process quality. No parent company, external investors, M&A activity, funding rounds, or subsidiaries are disclosed, and the company appears independently owned with no publicly available information on its shareholder structure.

Name

Orígenes Seguros

Legal name

Orígenes Seguros de Retiro S.A.

Website

https://origenes.com.ar

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Short description

Orígenes Seguros de Retiro S.A. is a privately held Argentine insurance company offering retirement savings and investment plans to individual consumers and corporate clients. Founded circa 1989, it sells seven animal-themed plans through digital, phone, WhatsApp, and producer channels under SSN regulation.

Ownership category

akta.pro rank

Product category

Retirement Insurance and Savings

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524), Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro industry

PRIMARYFSAEABAD

Retirement Income Planning & Decumulation Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEABAF

Retirement Plan Participant Advice & Managed Accounts

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAIACAE

Immediate Income Annuities (SPIA)

Financial & Insurance/Insurance — Life & Health/Annuities (Fixed, Variable & Indexed)

SECONDARYFSAIAMAF

Worksite Supplemental Life Insurance (Voluntary Life)

Financial & Insurance/Insurance — Life & Health/Supplemental & Voluntary Benefits (Worksite)

Keywords

• Retirement insurance
• Savings plans
• Corporate benefits
• Life insurance
• Education savings

Headquarters

HQ city

Buenos Aires

HQ country

Argentina

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Retirement Savings Plans: Monthly contributions from policyholders into retirement savings plans (Plan Ardilla for monthly savings, Plan Oso for investment with initial capital, Plan Elefante for education savings). Policyholders make regular contributions in pesos or dollars, and the company invests these funds to generate returns, sharing profitability with policyholders through guaranteed minimum returns plus additional yields.
2. Corporate Employee Benefit Plans: Enterprise plans for employee retention and loyalty (Plan Koala, Plan León, Plan Camello, Plan Cebra). Companies pay monthly contributions for each employee participant, creating a recurring revenue stream from corporate clients seeking to offer savings benefits to their workforce.
3. Individual Life and Risk Insurance: Individual life insurance, burial insurance (seguro de sepelio), personal accident insurance, and cancer coverage policies generate revenue through periodic premiums paid by individual policyholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Orígenes Seguros de Retiro S.A. is an Argentine insurance company that provides retirement savings and insurance products to individuals and corporations. Its individual offerings include monthly savings plans (Plan Ardilla), lump-sum investment plans (Plan Oso), and education savings plans (Plan Elefante), while its corporate offerings include employee loyalty, retention, and voluntary contribution plans (Plan Koala, León, Camello, Cebra). All plans provide guaranteed minimum profitability, dual currency options (pesos or dollars), and professional investment management.

Product overview

Orígenes Seguros offers a portfolio of retirement and savings insurance products organized into individual plans and corporate/employer plans. For individuals, the core offerings are Plan Ardilla (monthly savings with flexible contributions in pesos or dollars), Plan Oso (lump-sum investment with better fee conditions), and Plan Elefante (education savings for children with built-in life/disability coverage). For corporate clients, the company provides employee benefit plans including Plan Koala (loyalty and retention), Plan León (goal-based incentives), Plan Camello (employee savings), and Plan Cebra (voluntary contributions). All plans offer guaranteed minimum profitability plus additional returns from company investments, with flexible contribution amounts and withdrawal options. The product architecture is a platform of insurance-based savings instruments rather than a modular software platform.

Differentiator

Problem solved

Functional benefit

Brands

• Plan Ardilla: Monthly savings plan designed for individuals who find it challenging to save, offering contributions in dollars or pesos with a guaranteed return rate.
• Plan Oso
• Plan Elefante
• Plan Koala
• Plan León
• Plan Camello
• Plan Cebra

Products and services

• Plan Ardilla (Squirrel Plan) Monthly savings plan allowing individual customers to make regular contributions in Argentine pesos or US dollars, with guaranteed minimum profitability, flexible contribution amounts, and the ability to modify contributions or redeem partially/totally. Targeted at individuals who find saving challenging. Includes life and disability coverage.
• Plan Oso (Bear Plan) Investment plan for individuals with a substantial lump-sum capital amount (starting from ARS 250,000) who want to protect and grow their savings through a single initial contribution with optional additional monthly contributions. Offers guaranteed minimum returns plus additional yields, with partial redemptions allowed after the first year and total redemptions at any time.
• Plan Elefante (Elephant Plan) Education savings plan designed to finance the university studies of a child or dependent through monthly contributions in pesos or dollars during their school years. Includes guaranteed minimum profitability, life and disability insurance for the policyholder, and tax deduction benefits of up to ARS 573,817.13 from income tax (ganancias).
• Plan Koala Corporate loyalty and retention plan designed to ensure employee permanence and retain talent, providing benefits for both the company and staff. Targeted at small and medium-sized companies seeking to retain employees and increase loyalty.
• Plan León Corporate plan that rewards employees for achieving objectives, providing benefits tied to performance goal compliance. Designed for companies seeking to incentivize employees through goal-based bonuses.
• Plan Camello Corporate loyalty plan that encourages employees to save through combined employer and employee contributions, promoting a savings culture within the workforce.
• Plan Cebra Corporate voluntary contributions plan providing employees with a savings tool at preferential costs, enabling workforce savings beyond standard employer contributions.

Quantifiable outcome

• 6.2% average profitability over 5 years for dollar-denominated Plan Ardilla
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Galeno Seguros: Argentine insurance company offering retirement, life, and health insurance plans to individuals and corporates. Closely comparable product portfolio and customer base in the same Argentine market, with similar mid-to-large scale and SSN regulation.
• La Caja Seguros: Argentine mutual insurer offering retirement, life, and savings plans. Directly comparable in product mix (individual retirement plans, employer plans) and target customer (Argentine consumers and SMEs), with similar regulatory standing under SSN.
• La Segunda Seguros: Argentine mutual insurance group offering life, retirement, and group benefits products. Directly comparable in retirement/savings plans for individuals and corporates, with similar mid-sized scale and producer-led distribution in Argentina.

Broad incumbents

• Sancor Seguros: One of Argentina's largest insurance groups with retirement, life, property, and casualty lines. Operates as a cooperative with extensive producer network and significantly larger scale than Orígenes; competes in the same individual and corporate retirement plans market.
• Mapfre Argentina: Argentine arm of global insurer Mapfre, offering life, retirement, auto, and property/casualty. Overlaps with Orígenes in the individual and corporate retirement/savings segment but operates as part of a much larger multinational portfolio.
• Zurich Argentina: Local subsidiary of Zurich Insurance Group offering life, retirement, and general insurance products. Competes directly with Orígenes in retirement and life insurance for Argentine consumers and corporates, but with global capital backing and broader product breadth.
• MetLife Argentina: Argentine operation of MetLife focused on life and retirement insurance for individuals and groups. Directly comparable in retirement plan structure and corporate benefits offerings, with substantially larger scale and brand recognition.
• HSBC Seguros Argentina: Insurance arm of HSBC in Argentina, focused on life and retirement products distributed through the bank's customer base. Overlaps with Orígenes' retirement savings plans for individuals and corporate employee benefits, but leverages captive banking distribution.

Regional players

• Federación Patronal Seguros: Argentine cooperative insurer offering life, retirement, and general insurance primarily in Argentina. Comparable in product portfolio and SSN-regulated status, with similar cooperative-style approach to customer service and producer networks.
• Río Uruguay Seguros: Argentine cooperative insurer offering life, retirement, and general insurance products. Comparable mid-tier competitor with similar product set (retirement plans, life insurance, corporate benefits) and SSN-regulated operation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/OrigenesSeguros
• LinkedInlinkedin.com/company/origenes-seguros

Revenue estimate

Valuation estimate

Number of profiles

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 Orígenes Seguros