What Alianza does

Alianza Seguros is a Bolivian insurance company founded in 1991 and headquartered in Santa Cruz de la Sierra, operating as a private multi-line insurer serving both individual and corporate customers across Bolivia. The company offers two principal product lines: Alianza Vida (life insurance covering mortgage protection/desgravamen hipotecario, burial/sepelio, group life, term life, and long-term life insurance) and Alianza Generales (general insurance covering auto, home, fire, machinery, personal accidents, family assistance, mass-market plans, and the Mundisalud health plan). The business serves 649,500 insured individuals and 3,500 corporate clients, distributing through nationwide physical offices, a toll-free contact line, and digital self-service channels.

The company's technology infrastructure consists of a mobile application platform with policy management, payment processing, and provider network access with geographic map integration. Proprietary digital products include the Assist Insured mobile application (published on Google Play), the 24-hour Medinet telephonic medical advisory service staffed by doctors and specialists (functioning as a virtual family doctor), the ALIANZA 360 online payment portal, and the ALIANZA 360 business partner platform for managing policies and commissions. The mobile app integrates with Full Assistance's provider portal platform (inthub.full-assistance.net) to coordinate a network of 300 healthcare providers, workshops, and service centers distributed across Bolivia.

Alianza operates a subscription-based revenue model, generating recurring premium income from both individual and group policyholders across its life and general insurance portfolios. Distribution combines direct enterprise sales for corporate clients, self-service mobile/web channels for retail consumers, and an inside-sales toll-free line for inbound inquiries. Marketing is conducted primarily through Facebook (educational and CSR content), the corporate website, and customer testimonials displayed online. The company also runs the ALIANZA 360 corporate social responsibility program focused on nutritional, physical, and emotional prevention and education, which the company claims is unique among Bolivian insurers. Reported brand health includes a 96% customer recommendation rate. Geographic presence is anchored in Bolivia, with a recently inaugurated international expansion into Paraguay through Alianza Garantía.

Name

Alianza

Legal name

Alianza Seguros

Website

https://www1.alianza.com.bo

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Short description

Alianza Seguros is a Bolivian multi-line insurance company founded in 1991 offering life and general insurance products to 649,500 individuals and 3,500 businesses through mobile, web, and physical distribution channels across Bolivia and Paraguay.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Insurance Carriers and Related Activities (524)

SIC

Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Life insurance
• General insurance
• Auto insurance
• Health insurance
• Insurance services

Headquarters

HQ city

Santa Cruz De La Sierra

HQ country

Bolivia

HQ region

Latin America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance Premiums (Vida): Collection of recurring insurance premiums from policyholders for life insurance products including desgravamen hipotecario (mortgage life), sepelio (burial), vida en grupo (group life), vida temporal (term life), and vida a largo plazo (long-term life insurance).
2. General Insurance Premiums (Generales): Collection of recurring insurance premiums from policyholders and businesses for general insurance products including auto (Auto Alianza), homeowners (Casa Segura), fire (Incendio), machinery (Maquinaria), personal accidents (Accidentes Personales), mass market (Masivos), family assistance (Asistencia Familiar Integral), and Mundisalud health plans.

Pricing tiers

Distribution channels4 records

Marketing channels3 records

Core offering

Alianza Seguros underwrites and sells a portfolio of insurance products in Bolivia through two main lines: Alianza Vida (life insurance including mortgage life, burial, group, term, and long-term life) and Alianza Generales (general insurance including auto, home, fire, machinery, personal accidents, family assistance, mass market, and health plans such as Mundisalud). Customers access policy management, premium payments, and provider search through the Assist Insured mobile app, the ALIANZA 360 web portal, and the Medinet healthcare network platform, complemented by physical offices and a 24/7 medical advice hotline.

Product overview

Alianza is a Bolivian insurance company offering a comprehensive portfolio of insurance products and digital services. The core offering consists of two main insurance product lines: Alianza Vida (life insurance) and Alianza Generales (general insurance). Vida products include mortgage life, burial, group life, term life, and long-term life insurance. Generales products cover personal accidents, family assistance, auto, home, fire, and machinery insurance. The company supplements its insurance products with digital platforms including ALIANZA 360 for business partners, Medinet for healthcare provider networking, and a mobile application for policyholders. The company serves 649,500 insured members with access to 3,500 providers across a network of doctors, clinics, and workshops.

Differentiator

Problem solved

Functional benefit

Brands

• ALIANZA 360: 360-degree responsibility social program focused on nutritional, physical, and emotional prevention and education for collaborators and Bolivian society.
• Auto Alianza
• MediNet

Products and services

• Alianza Vida (Life Insurance Line) Life insurance product line for individuals and groups covering mortgage life (desgravamen hipotecario), burial (sepelio), group life (vida en grupo), term life (vida temporal), and long-term life insurance (vida a largo plazo).
• Desgravamen Hipotecario Mortgage life insurance providing coverage for outstanding mortgage balances in case of borrower death or disability.
• Sepelio Burial insurance providing financial coverage for end-of-life funeral and burial expenses.
• Seguro de Vida en Grupo Group life insurance policy offering coverage for multiple members under a single contract, typically employer-sponsored.
• Seguro de Vida Temporal Term life insurance providing coverage for a specified period with lower premiums compared to whole life policies.
• Seguro de Vida a Largo Plazo Long-term life insurance offering extended coverage periods with accumulated cash value components.
• Alianza Generales (General Insurance Line) General insurance product line covering property, casualty, and personal accident coverage including auto, home, fire, machinery, personal accidents, family assistance, and health insurance.
• Auto Alianza Automobile insurance providing coverage for vehicle damage, liability, and related risks.
• Casa Segura Home insurance covering property damage, theft, and liability for residential dwellings.
• Incendio Fire insurance providing coverage for property damage caused by fire and related perils.
• Maquinaria Machinery insurance covering breakdown and damage to industrial equipment and machinery.
• Accidentes Personales Personal accident insurance providing coverage for injuries, disability, or death resulting from accidents.
• Asistencia Familiar Integral Comprehensive family assistance insurance covering medical, legal, and household assistance services for insured families.
• Masivos Mass market insurance products designed for broad accessibility with simplified underwriting and affordable pricing.
• Mundisalud Health insurance product providing medical coverage and access to healthcare provider networks.
• ALIANZA 360 Online payment portal and business partner platform enabling policyholders to pay premiums and outstanding installments and giving business partners access to manage policies, commissions, and operational tools.
• Medinet Medical network platform connecting insured members with healthcare providers, doctors, and clinics across Bolivia, including 24-hour telephonic medical advisory services.

Quantifiable outcome

• 649,500 insured individuals and 3,500 companies trust Alianza for their insurance needs
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• MedinetcoreTechnology or IntegrationMedinet is a health network partner providing Alianza with access to a network of doctors and healthcare providers across Bolivia. The partnership enables policyholders to access medical consultations, studies, and healthcare services through the integrated provider network available via the mobile application and office locations.
• Full AssistancecoreTechnology or IntegrationFull Assistance provides the provider portal platform (inthub.full-assistance.net) that enables Alianza to manage and integrate its network of 300 service providers including workshops, healthcare providers, and service centers across Bolivia.
• ALIANZA 360 PartnerscoreChannel Partner/ Reseller/ DistributorALIANZA 360 is a business partner program that integrates service providers into the Allianz ecosystem, enabling coordinated service delivery across all commercial insurance branches nationwide.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• AXA: AXA is a French-headquartered global insurer with broad life, health, and P&C offerings across Latin America. It overlaps Alianza's product categories at a much larger scale, serving as a broad incumbent competitor and reference benchmark for international expansion.
• Zurich Insurance Group: Zurich is a Swiss global insurer with established presence in Bolivia and Latin America. It underwrites overlapping life, P&C, and accident/health lines as part of a much wider portfolio, making it a broad incumbent peer rather than a pure direct competitor.
• SURA Seguros: SURA is a major Latin American insurance group with operations across multiple Spanish-speaking markets. It serves overlapping customer segments (life, health, P&C) but at significantly larger regional scale than Alianza's Bolivia-only footprint.
• Chubb Limited: Chubb is a global P&C and life insurer with Latin American subsidiaries. While it does not specialize in mass-market health lines like Alianza, it competes for the same commercial, personal accident, and auto business in the region.
• MAPFRE: MAPFRE is a Spanish-headquartered global insurer with significant operations across Latin America, including Bolivia. It offers a much broader portfolio and balance sheet, and competes with Alianza in life, P&C, and health lines via local subsidiaries.

Regional players

• Seguros Equinoccial: Seguros Equinoccial is a regional Latin American insurance carrier offering life and P&C products with comparable mass-market and corporate positioning. As it operates in different South American geographies, it serves as a regional benchmark rather than a direct Bolivia competitor.
• HDI Seguros: HDI Seguros operates across multiple Latin American markets through the HDI group, offering P&C and life products. It is comparable to Alianza in product mix but primarily serves markets outside Bolivia, making it a regional reference point rather than head-to-head competitor.

Direct peers

• Seguros La Vitalicia: La Vitalicia is a Bolivian-domiciled insurance carrier with multi-line coverage including life and general insurance. It represents a direct comparable in terms of product breadth, regulatory framework, and target customer segments within Bolivia.
• BISA Seguros: BISA Seguros is one of the leading insurance carriers in Bolivia, offering life, P&C, and health products through a comparable multi-channel distribution model. It competes head-to-head with Alianza for the same Bolivian individual, family, and corporate customer base.
• Compañía de Seguros y Reaseguros Fénix: Fénix is an established Bolivian insurer operating across life and general insurance lines. It directly overlaps Alianza's Vida and Generales product portfolios and serves similar individual and corporate clients in the Bolivian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AlianzaSegurosyReaseguros

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 Alianza