Centauro-ON
Centauro Seguradora (Centauro-ON) is a Brazilian life and personal accident insurance carrier, wholly owned by Constellation Insurance, selling 14+ products across individual, business, school, and association segments via broker networks and direct digital channels.
- Company typePrivate
- Founded1995
- HeadquartersCuritiba, Brazil
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Centauro-ON does
Centauro Seguradora, operating under the brand Centauro-ON, is a Brazilian life and personal accident insurance carrier headquartered in Curitiba, Brazil. Founded in 1995, the company operates as a wholly-owned subsidiary of Constellation Insurance, a diversified international insurance group that brings 110 years of operating history, US$42.3 billion in assets under management, US$7.7 billion in reserves, and more than 300,000 active policies to its underwriting capacity. Centauro sells a 14-product portfolio organized across four customer verticals: individual consumers (Vida Individual, Vida Inteira, Vida Temporário, Dotal Misto, Doenças Graves, Acidentes Pessoais, and Acidentes Pessoais de Passageiros), businesses (Vida Empresarial, Capital Global, Prestamista, Personalizados), schools and educational institutions (Escolar, Educacional), and class entities and associations (Centauro Plus). Ancillary services bundled with policies include 24/7 telemedicine and psychological teleconsultation, medication discounts, pet assistance, residence coverage, and access to an accredited service-provider network.
The company's technology stack centers on an online customer portal (centauro-online.centauroseguradora.com.br) that supports policy management, claims submission, beneficiary changes, payment handling, and access to accredited providers, alongside a parallel broker portal for registered corretores managing their book of business. Distribution follows a hybrid model: an actively recruited broker network augmented by direct-to-consumer sales via a corporate website and WhatsApp contact (+5541999440088). Revenue is generated through recurring insurance premiums billed on a monthly cadence under quote-based pricing that varies by coverage type, sum insured, age, and health assessment; specific rates are not publicly disclosed.
Centauro employs 51-100 staff and operates exclusively in the Brazilian domestic market with no apparent international expansion. There are no disclosed funding rounds, acquisitions, regulatory actions, certifications, patents, or leadership changes in the input data. The value proposition rests on three pillars: the financial backing and reserves of the Constellation Insurance parent, 30+ years of continuous Brazilian operating history, and a 360-degree protection approach spanning financial, health, educational, and lifestyle coverage across multiple customer segments.
Centauro-ON firmographics
Firmographics- Name
- Centauro-ON
- Legal name
- Centauro Seguradora
- Website
- https://centauro-on.com.br
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Centauro Seguradora (Centauro-ON) is a Brazilian life and personal accident insurance carrier, wholly owned by Constellation Insurance, selling 14+ products across individual, business, school, and association segments via broker networks and direct digital channels.
- Ownership category
- akta.pro rank
Centauro-ON industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)
- akta.pro secondary industry
- Key Person Disability Insurance (FSAIAIAK)
Keywords
Where Centauro-ON is headquartered
LocationHeadquarters
- HQ city
- Curitiba
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Centauro-ON business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: Collection of recurring insurance premiums from policyholders across life, accident, and creditor protection insurance products. Premiums are paid according to the coverage selected and policy terms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individual life insurance products |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels3 records
Centauro-ON product offering
Product offeringCore offering
Centauro-ON (Centauro Seguradora) is a Brazilian life and personal accident insurer that designs and underwrites its own insurance policies for individuals, businesses, schools, and class associations. Its products cover life (whole life, term, mixed endowment), personal accidents, serious illness, creditor (prestamista), corporate life, and school/educational coverage, distributed through a national broker channel and digital self-service portal.
Product overview
Centauro-ON is a Brazilian insurance company offering a comprehensive portfolio of life and personal insurance products through a multi-segment platform. The product lineup spans four main categories: individual insurance (Vida Individual, Vida Inteira, Vida Temporário, Dotal Misto, Doenças Graves, Acidentes Pessoais, Acidentes Pessoais de Passageiros), business insurance (Vida Empresarial, Capital Global, Prestamista, Personalizados), educational institution insurance (Escolar, Educacional), and association insurance (Centauro Plus). The company operates through an online portal (Centauro-ON) providing customers, brokers, and accredited networks with policy management, claims handling, and assistance services.
Differentiator
Problem solved
Functional benefit
Products and services
- Vida Individual (Individual Life) Individual life insurance policy marketed under the Para Você segment, providing personal life coverage for individual Brazilian consumers.
- Vida Inteira (Whole Life) Whole life insurance policy for individual policyholders, providing lifelong coverage with a savings component, offered under the Para Você segment.
- Vida Temporário (Term Life) Term life insurance policy providing coverage for a specified period, targeted at individual consumers seeking temporary life protection.
- Dotal Misto (Mixed Endowment) Mixed endowment life insurance policy combining protection and savings components, sold to individual consumers in the Para Você segment.
- Doenças Graves (Serious Illness) Critical/serious illness insurance policy providing a lump-sum payout upon diagnosis of covered conditions, designed for individual consumers in the Para Você segment.
- Acidentes Pessoais (Personal Accident) Personal accident insurance policy covering accidental death and disability, marketed to individual consumers under the Para Você segment.
- Acidentes Pessoais de Passageiros Individual Individual passenger personal accident insurance policy covering accidental injuries during travel, targeted at individual consumers in the Para Você segment.
- Vida Empresarial (Business Life) Group corporate life insurance policy covering employees and key personnel, marketed to companies under the Para Sua Empresa segment.
- Capital Global Capital Global corporate insurance product offering global capital protection for businesses, sold within the Para Sua Empresa segment.
- Prestamista (Creditor Insurance) Creditor (Prestamista) insurance policy that pays off outstanding loans in case of death or disability of the borrower, targeted at financial lenders and businesses.
- Personalizados (Customized Corporate Coverage) Customized corporate insurance coverage tailored to specific employer requirements, sold within the Para Sua Empresa segment.
- Escolar (School Insurance)
Companies that use Centauro-ON
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Centauro-ON technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Centauro-ON partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights4 records
Centauro-ON competitors and assessment
Company assessmentBroad incumbents
- SulAmérica Seguros: Major Brazilian insurer with strong life, health, and accident insurance offerings distributed through brokers and direct channels. Comparable product portfolio including individual life, group life, and personal accident products, with broader market presence.
- Bradesco Seguros: One of Brazil's largest insurance groups, offering life, health, accident, and pension products through banking and broker channels. Directly comparable to Centauro in product categories and distribution approach, but with significantly larger scale and brand recognition.
- Porto Seguro: Large Brazilian insurance conglomerate offering life, accident, health, and other personal lines through broker networks and direct sales. Overlaps with Centauro in personal accident and life insurance categories, with greater geographic and segment diversification.
- Zurich Santander Brasil: Joint venture offering life and personal insurance products in Brazil through Santander's banking network and brokers. Comparable life and accident insurance offerings with significant distribution advantage through banking partnership.
Direct peers
- Prudential do Brasil: Brazilian life insurance subsidiary of Prudential Financial offering individual life, accident, and savings-linked products (similar to Centauro's Dotal Misto). Comparable niche positioning in life insurance with international parent financial backing.
- Liberty Seguros: Brazilian subsidiary of Liberty Mutual offering personal and business insurance including life, accident, and creditor coverage. Comparable mid-sized international carrier with broker distribution and overlapping product mix with Centauro.
- Mapfre Seguros: Brazilian operation of Spanish insurance group Mapfre, providing life, accident, and personal insurance products. Similar mid-sized carrier positioning as Centauro, with broker distribution and comparable target customer segments.
- Tokio Marine Seguradora: Brazilian subsidiary of Japanese insurer Tokio Marine, offering life, accident, and personal insurance products through broker networks. Closely comparable to Centauro in product mix, broker-led distribution, and target customer segments in Brazil.
- HDI Seguros: Brazilian insurer offering life, personal accident, and business insurance products through broker and direct channels. Comparable product portfolio and channel strategy to Centauro, with similar scale in the Brazilian market.
- MetLife Brasil: Brazilian subsidiary of MetLife offering individual and group life, accident, and dental insurance. Comparable product set in life and personal accident insurance distributed through brokers, with similar international parent backing structure.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Centauro-ON social profiles
Digital presenceCentauro-ON financial estimates
Financial estimateRevenue estimate
Valuation estimate
Centauro-ON leadership team
Management profileNumber of profiles
Centauro-ON funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Centauro-ON 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 Centauro-ON
What does Centauro-ON do?
Centauro-ON (Centauro Seguradora) is a Brazilian life and personal accident insurer that designs and underwrites its own insurance policies for individuals, businesses, schools, and class associations. Its products cover life (whole life, term, mixed endowment), personal accidents, serious illness, creditor (prestamista), corporate life, and school/educational coverage, distributed through a national broker channel and digital self-service portal.
Is Centauro-ON a public or private company?
Centauro-ON is a private company. It is classified as corporate owned and is currently operating.
When was Centauro-ON founded?
Centauro-ON was founded in 1995. It employs 51 to 100 people.
Where is Centauro-ON based?
Centauro-ON is headquartered in Curitiba, Brazil, in the Latin America region.
How does Centauro-ON make money?
One revenue line is on record: insurance Premiums.
Who are Centauro-ON's main competitors?
Broad incumbents on record are SulAmérica Seguros, Bradesco Seguros, Porto Seguro and Zurich Santander Brasil. Direct peers are Prudential do Brasil, Liberty Seguros, Mapfre Seguros, Tokio Marine Seguradora, HDI Seguros and MetLife Brasil.
Does Centauro-ON have an API?
No public API is recorded for Centauro-ON.
What industry is Centauro-ON in?
Centauro-ON's product category is Life Insurance. Its primary akta.pro industry code is FSAJAJAD, Personal Accident Insurance (Injury, Disability & Income Benefit), with a secondary code of FSAIAIAK, Key Person Disability Insurance. Its NAICS code is 52411 and its SIC code is 6311.