What Sabemi does

Sabemi is a Brazilian insurance and financial services company headquartered in Porto Alegre (RS) and operating through more than 30 physical store locations across Brazil, including branches in Rio de Janeiro, Salvador, São Luís, and Belém. Founded in 1970 and operating under the legal name Sabemi Seguros, Previdência e Serviços Financeiros, the company runs a multi-entity structure comprising Sabemi Seguradora (insurance), Sabemi Previdência Privada (private pension), Sabemi Negócios (business operations), and Sabemi TEC (technology). It is a privately held company regulated by SUSEP, with LGPD-compliant data governance and an appointed Data Protection Officer. The company serves a primarily public-servant customer base, with additional reach into schools, logistics companies, travel agencies, banks, and individual consumers across Brazil.

Sabemi's product portfolio spans personal accident insurance (AP Bilhete, AP Eventos, AP Coletivo, AP Passageiros, AP Escolar, AP Estagiário, AP Logístico), specialty insurance (Vida em Grupo group life, Seguro Prestamista creditor coverage, Seguro Perda de Renda income protection, Seguro Viagem travel, Ingresso Protegido ticket protection), private pension plans (Previdência Privada), and financial services targeting federal public servants (Assistência Financeira personal loans up to 96 installments without SPC/Serasa consultation, and FGTS de Aniversário anticipation with 3-hour disbursement). Revenue is generated through recurring insurance premiums, administrative fees on pension contributions, and transaction-based interest and fees on credit products.

The company distributes through a hybrid model: the SABEMI Digital mobile app for self-service proposal submission, the Simpleseg broker portal for the broker channel, a WhatsApp-based 'Clicou, Chamou!' sales service connecting customers with specialized sellers, and physical store locations across multiple Brazilian regions. Technology features include the Hand Talk accessibility integration providing Brazilian Sign Language translation, and an embedded benefits ecosystem spanning e-Pharma medication discounts (15-60%), KOVR Capitalização weekly R$10,000 lottery drawings for pension holders, and Integral Group Solution 24-hour residential assistance services. Go-to-market is sales-led with dedicated sales specialists, complemented by broker and representative channel partnerships.

Name

Sabemi

Legal name

Sabemi Seguros, Previdência e Serviços Financeiros

Website

https://sabemi.com.br

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

251–500 employees

Short description

Sabemi is a Brazilian insurance and financial services company offering personal accident, life, travel, and creditor insurance, private pension plans, and public-servant loans through 30+ physical stores, a broker portal, mobile app, and WhatsApp sales channel across Brazil.

Ownership category

akta.pro rank

Headquarters

HQ city

Porto Alegre

HQ country

Brazil

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of insurance premiums from various personal accident insurance products (AP Bilhete, AP Eventos, AP Coletivo, AP Passageiros, AP Escolar, AP Estagiário, AP Logístico), life insurance (Vida em Grupo), creditor insurance (Prestamista), income protection (Seguro Perda de Renda), travel insurance (Seguro Viagem), and ticket protection (Ingresso Protegido). Revenue is generated through periodic premiums paid by policyholders.
2. Private Pension (Previdência Privada): Long-term private pension products offering investment and savings options for retirement planning. Generates revenue through administrative fees and contribution management.
3. Financial Assistance (Assistência Financeira): Credit services for public servants (federal, civil, and military, active, inactive, and pensioners) providing personal loans with payments up to 96 installments. Revenue generated through interest and fees on loans.
4. FGTS de Aniversário: Advance of severance fund (FGTS) anniversary withdrawals, allowing customers to anticipate 5, 7, or 10 parcels with funds available within 3 hours. Revenue generated through fees on the anticipation service.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Sabemi sells personal accident, life, travel, creditor, and income protection insurance products, private pension plans, personal loans for federal public servants (civil and military, active/inactive/pensioners) without SPC/Serasa credit checks, and FGTS birthday withdrawal anticipation loans. The company distributes these financial and insurance products through more than 30 physical stores across Brazil, a mobile app, a broker portal, and a WhatsApp-based sales channel.

Product overview

Sabemi is a Brazilian insurance and financial services company operating under the Grupo Sabemi holding structure, which includes Sabemi Seguradora, Sabemi Previdência Privada, Sabemi Negócios, and Sabemi TEC. The product portfolio spans personal accident insurance products (AP Bilhete, AP Eventos, AP Coletivo, AP Passageiros, Ingresso Protegido, AP Escolar, AP Estagiário, AP Logístico), specialty insurance (Seguro Viagem, Vida em Grupo, Seguro Prestamista, Seguro Perda de Renda), and financial services (Previdência Privada, Assistência Financeira, FGTS de Aniversário). These products are distributed through physical branches across Brazil, the SABEMI Digital mobile app, the Simpleseg broker portal, the Portal do Cliente, and the WhatsApp-based 'Clicou, Chamou!' sales channel. The company primarily serves Brazilian public servants, employees, businesses, associations, and individual consumers, with products regulated by SUSEP.

Differentiator

Problem solved

Functional benefit

Brands

• Sabemi Digital: Digital platform for formalizing insurance and financial assistance proposals quickly and securely.

Products and services

• AP Bilhete (Personal Accident Ticket Insurance) Individual personal accident insurance providing coverage for accidental death and injury for individual policyholders.
• AP Eventos (Personal Accident Event Insurance) Personal accident insurance for event attendees covering injuries during organized events.
• AP Coletivo (Collective Personal Accident Insurance) Collective personal accident insurance providing customizable coverage limits and benefits for groups.
• AP Passageiros (Passenger Personal Accident Insurance) Personal accident insurance specifically designed for passengers of transportation services.
• Ingresso Protegido (Ticket Protection Insurance) Insurance providing coverage for event ticket holders in case of event cancellation or other covered incidents.
• AP Escolar (School Personal Accident Insurance) Personal accident insurance covering students during school activities, extracurricular events, and school trips. SUSEP registration 15414.612982/2024-67.
• AP Estagiário (Intern Protection Insurance) Personal accident insurance for interns covering accidental death, permanent disability, medical expenses, psychological assistance, and funeral coverage up to R$3,000. SUSEP registration 15414.608925/2022-22.
• AP Logístico (Logistics Personal Accident Insurance) Personal accident insurance for logistics professionals and transport workers covering death and total/partial permanent disability from work-related accidents. SUSEP process 15414.611297/2024-24.
• Seguro Viagem (Travel Insurance) Travel insurance available in collective and individual ticket modalities covering medical expenses, trip cancellation, baggage loss, and repatriation. SUSEP collective registration 15414.614473/2023-07 and individual 15414.618124/2023-56.
• Vida em Grupo (Group Life Insurance) Group life insurance covering death from any cause, funeral expenses, medical costs, and disability for employees and organization members in businesses, collective agreements, associations, schools, and cooperatives. SUSEP registration 15414.614256/2020-66.
• Seguro Prestamista (Creditor Insurance) Creditor insurance protecting financial institutions and lenders covering outstanding loan balances in case of borrower's death, disability, or involuntary loss of income. Targets banks, real estate companies, card issuers, retailers, and consortia. SUSEP registration 15414.644132/2021-96.
• Seguro Perda de Renda (Income Protection Insurance) Income protection insurance providing financial coverage during periods of involuntary unemployment or disability caused by accident. SUSEP registration 15414.614306/2023-58.
• Previdência Privada (Private Pension Plan) Long-term private pension and savings plan with various investment profiles, weekly R$10,000 lottery drawings (Sabemi Premiado Semanal), residential assistance, and medication discounts for retirement planning. SUSEP registration 15414.900344/2015-11.
• Assistência Financeira (Financial Assistance for Public Servants) Personal loan/credit service for Brazilian federal public servants (civil and military, active, retired, and pensioners) above 21 years of age with up to 96 monthly installments and no SPC/Serasa credit checks.
• FGTS de Aniversário (FGTS Birthday Advance Loan) Service allowing workers to anticipate 5, 7, or 10 installments of their FGTS (Fundo de Garantia do Tempo de Serviço) anniversary withdrawal balance, with funds deposited within 3 hours.

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• KOVR CapitalizaçãocoreStrategic or Co-development PartnerPartnership for lottery/sweepstakes services (Sabemi Premiado Semanal). KOVR Capitalização issues capitalization titles that support weekly R$10,000 lottery drawings for pension product holders. This partnership adds a prize component to pension products, enhancing their value proposition.
• Integral Group SolutioncoreStrategic or Co-development PartnerPartnership for residential assistance services. Integral Group Solution provides 24-hour residential emergency services including electrician, locksmith, plumber support as part of pension and insurance product benefits.
• e-PharmacoreStrategic or Co-development PartnerPartnership for medication discount services. e-Pharma enables insured individuals to access 15% to 60% discounts on medications through a networked pharmacy. This adds tangible value to insurance and pension products.
• Hand TalkcoreTechnology or IntegrationPartnership for accessibility services. Hand Talk provides Hugo, an automatic Libras (Brazilian Sign Language) translator that enables deaf customers to access insurance information, products and services through the website.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SulAmérica: Major Brazilian insurance group offering health, life, auto, and pension products through brokers, corporate channels, and direct sales. Compares to Sabemi's group life (Vida em Grupo), private pension, and individual insurance products, with similar broker-driven distribution.
• Caixa Seguradora: Insurance subsidiary of Caixa Econômica Federal, offering life, housing, and consumer credit insurance primarily to Caixa's banking customers including public servants. Highly comparable to Sabemi's federal public servant customer base and life insurance offerings through bank-distribution channels.
• Tokio Marine: Brazilian subsidiary of Tokio Marine Holdings offering P&C, life, and specialty insurance products through brokers and direct channels. Comparable to Sabemi in broker-driven distribution and product diversification across personal and commercial lines.
• Bradesco Seguros: Insurance arm of Bradesco, one of Brazil's largest financial conglomerates, offering life, health, P&C, and pension products. Directly comparable to Sabemi's insurance and pension offerings, with a similar broker network and target market including public servants via Bradesco's banking relationships.
• HDI Seguros: Brazilian insurer offering auto, P&C, and life insurance through broker networks. Compares to Sabemi's broker-led distribution via Simpleseg and the use of specialized sales teams to reach niche segments.
• Porto Seguro: One of Brazil's largest insurance groups offering P&C, life, health, and auto insurance through proprietary brokers and partner channels. Compares to Sabemi's insurance distribution model and national footprint, though at significantly larger scale and broader product portfolio.

Direct peers

• BMG: Brazilian bank and financial services company with deep focus on payroll-deductible loans (crédito consignado) to public servants and private-sector workers. Directly comparable to Sabemi's Assistência Financeira and FGTS products in target customer, distribution model, and product structure.
• Banco Pan: Brazilian bank specializing in payroll-deductible credit, consumer finance, and insurance for public servants and INSS beneficiaries. Highly comparable to Sabemi's product mix and target customer segment, with similar consignment credit and personal loan offerings.
• Zurich Santander: Joint venture between Zurich Insurance and Santander Brazil offering life, personal accident, and creditor insurance distributed through Santander's banking network. Directly comparable to Sabemi's AP Bilhete, Vida em Grupo, and Prestamista products, with similar public-servant and corporate client focus.

Regional players

• Capemisa Seguradora: Brazilian insurer specializing in life, personal accident, and pension products for public servants and corporate clients, with strong presence in regional markets. Closely comparable to Sabemi's niche focus on public servants and overlapping product lines (AP, Vida em Grupo, Previdência).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/sabemibrasil
• YouTubeyoutube.com/channel/UCDvq-6mteOZ322BuEPSNZCw
• Facebookfacebook.com/SabemiBrasil
• LinkedInlinkedin.com/company/grupo-sabemi
• Instagraminstagram.com/sabemibrasil

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

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 Sabemi