Grupo Futuro

What Grupo Futuro does

Grupo Futuro S.A. (legal entity: FLR FUTURO CORRETORA DE SEGUROS DE VIDA LTDA) is a privately held Brazilian insurance and financial advisory brokerage headquartered in São José dos Campos, São Paulo. Founded by three professionals from the insurance, health, and financial performance sectors, the firm is currently led by Leandro Lago and operates without external investors or parent-company affiliation. Its business model is a B2B advisory brokerage: Grupo Futuro recruits, trains, and supports a network of independent insurance brokers (corretores) and consultants who sell its product portfolio to end customers, supplemented by direct inside-sales via WhatsApp, phone, and email.

The company's product portfolio spans health plans (individual, family, business/adhesion modalities), dental plans, individual and business life insurance, residential and commercial property insurance, and three consortium (consórcio) lines covering real estate, automobiles, and heavy vehicles — the consortium products are BACEN-regulated and associated with ABAC. Pricing is quote-based and not publicly disclosed; revenue is generated through transaction commissions on policies placed and maintained, with co-brokerage (co-corretagem) and multi-carrier (multinotas) structures enabling lifelong commission income for affiliated brokers. The technology stack is intentionally lean: a broker-facing web portal (Área do Corretor), WhatsApp Business as the primary customer communication channel, social media presence on Facebook/Instagram/LinkedIn, and an external quote engine (rc4vc.com) integrated into the consultant workflow. There is no proprietary software product, no app, no public API, and no AI/ML component — Grupo Futuro is a traditional, relationship-driven distribution intermediary rather than a technology company.

Go-to-market is a hybrid channel-partner and inside-sales motion. The firm recruits brokers through its portal and marketing materials, equips them with backoffice support (proposal issuance, contract monitoring, post-sale guidance), and incentivizes retention via lifelong commissions. End customers are served across individual, family, and enterprise (CNPJ) segments, with national and regional coverage options depending on product line. The customer base is highly distributed with no named enterprise logos or anchor accounts disclosed, implying a long-tail, volume-driven revenue profile typical of small-to-mid-sized Brazilian brokerages.

Name

Grupo Futuro

Legal name

FLR FUTURO CORRETORA DE SEGUROS DE VIDA LTDA

Website

https://grupofuturo-sa.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Advisory

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Insurance brokerage services
• Health plan advisory
• Life insurance distribution
• Financial consortium sales
• Broker advisory support

Headquarters

HQ city

São José Dos Campos

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Others, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: Grupo Futuro earns commissions from insurance companies and health plan operators for each policy sold and maintained. The company works with 'multinotas' (multiple insurance notes) and co-corretagem (co-brokering), allowing brokers to earn lifelong commissions within insurance providers.
2. Co-brokering and Multinotas: The company works with multiple insurance carriers simultaneously, earning commissions on policies placed with various insurers and health plan operators.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Grupo Futuro S.A. is a Brazilian insurance brokerage and advisory firm that intermediates health plans, dental plans, individual and business life insurance, residential and commercial property insurance, and real estate, automobile, and heavy vehicle consortium products between end customers and major insurance carriers and consortium administrators. The company operates through a network of qualified brokers and consultants, supported by a dedicated Área do Corretor portal, backoffice administration, and direct WhatsApp/phone-based consulting for personalized quotes.

Product overview

Grupo Futuro S.A. is a financial and insurance advisory brokerage offering a comprehensive portfolio of products and services. The core offering consists of health insurance plans (Planos de Saúde), dental plans (Planos Odontológicos), life insurance (individual and business), and residential/business property insurance. Additionally, the company offers three types of consortium products: real estate (Consórcio de Imóveis), automobile (Consórcio de Automóveis), and heavy vehicle (Consórcio de Veículos Pesados). These are complemented by advisory services for brokers and consultants, co-brokerage services enabling lifelong commissions, and backoffice administrative support. The products are designed for individual clients, families, and businesses, with the company acting as an intermediary between customers and major insurance/financial operators.

Differentiator

Problem solved

Functional benefit

Products and services

• Planos de Saúde (Health Plans) Health insurance plans offered in individual, family, business (empresarial), and adhesion (adesão) modalities with national or regional coverage, distributed through Grupo Futuro's broker network to individuals, families, and companies.
• Planos Odontológicos (Dental Plans) Dental insurance plans providing coverage for prevention, diagnosis, children's treatment, gum treatment, prostheses, root canals, surgery, 24-hour emergencies, restorations, and radiographs, sold as standalone or upsell to health plan customers.
• Seguro de Vida Individual (Individual Life Insurance) Individual life insurance offering protection in case of death, total disability from accidents, and serious illness coverage, with living benefits usable during the policyholder's lifetime for individual customers and their families.
• Seguro de Vida Empresarial (Business Life Insurance) Business life insurance for companies of any segment to protect employees, with costs optionally shared between employer and employee and coverage extendable to spouses and children.
• Seguro Residencial e Empresarial (Residential and Business Property Insurance) Property insurance protecting homes and businesses against risks including fire, theft, electrical damage, and civil liability, with comprehensive coverage and specialized assistance for individuals and companies.
• Consórcio de Imóveis (Real Estate Consortium) Real estate consortium for purchasing, constructing, or renovating properties with flexible terms from 24 to 216 months, letter of credit from R$200,000 to R$400,000, and option to use FGTS for bids, regulated by BACEN and associated with ABAC.
• Consórcio de Automóveis (Automobile Consortium) Vehicle consortium for purchasing automobiles with up to 100-month payment terms, no interest charges, and credit letters providing negotiating power for upfront vehicle purchases.
• Consórcio de Veículos Pesados (Heavy Vehicle Consortium) Heavy vehicle consortium for acquiring trucks and commercial vehicles through monthly installments with draws and bids, regulated by BACEN and insured by ABAC, targeting business fleet acquisition and renewal.
• Assessoria para Corretores e Consultores (Broker and Consultant Advisory) Advisory services for insurance brokers and health plan consultants providing complete and personalized solutions combining technology with humanized service, including access to the Área do Consultor portal and product training.
• Backoffice Administrative support service for brokers including proposal issuance, contract monitoring, and post-sale guidance to help corretores operate efficiently.

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Wiz Soluções: One of Brazil's largest independent insurance brokerages, distributing auto, life, health, and residential lines through a vast broker network. Comparable to Grupo Futuro as a multi-line corretora but operating at national scale with publicly disclosed financials and far broader carrier partnerships.
• Porto Seguro: Major Brazilian insurance carrier that also operates broker and bancassurance channels. Comparable to Grupo Futuro as a major distributor of health, life, auto, and residential products, though Porto Seguro carries risk on its own balance sheet rather than acting purely as intermediary.
• SulAmérica: Large Brazilian insurance carrier with significant group health, dental, life, and P&C lines distributed via brokers. Comparable to Grupo Futuro at the product level (especially group health and life), though SulAmérica underwrites risk rather than purely intermediating.

Emerging players

• Justos: Tech-led Brazilian insurance startup (acquired Minuto Seguros) using app-based distribution and telematics for auto and other lines. Comparable to Grupo Futuro in distribution intent but competes for the same SMB/individual broker-led customer base with a far more modern stack.

Direct peers

• 180 Seguros: Brazilian insurance broker and comparison platform selling auto, life, residential, and health products directly. Comparable to Grupo Futuro as a multi-line corretora targeting Brazilian consumers and SMBs, with a stronger digital acquisition engine.
• Plural Corretora de Seguros: Brazilian insurance brokerage offering health, dental, life, and consortium products to individuals and businesses through broker networks. Closely comparable to Grupo Futuro in product mix, target segments, and broker-supported distribution model.
• Compare Seguro: Brazilian online insurance comparison and brokerage platform distributing health, auto, life, and residential products. Comparable to Grupo Futuro as a multi-line corretora serving individuals and SMBs, with stronger digital lead capture.
• Iguá Corretora: Brazilian insurance brokerage offering health, life, auto, and consortium products through a regional broker network. Comparable to Grupo Futuro in product breadth (insurance + consortium) and broker-led go-to-market, with similar SMB and family focus.
• Bidu Corretora: Brazilian digital insurance broker and comparison platform focused on auto, health, life, and residential lines. Comparable to Grupo Futuro as a multi-line corretora, with a more digital and self-service customer experience.
• Bossa Nova Seguros: Brazilian digital-first insurance brokerage distributing auto, home, life, and health products online with broker support. Directly comparable to Grupo Futuro as a multi-product corretora, though more tech-forward and digital in its customer experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ogrupofuturo
• LinkedInlinkedin.com/company/grupo-futuro-sa
• Instagraminstagram.com/ogrupofuturo

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Grupo Futuro