Aspeb

What Aspeb does

Aspeb (legal name: ASPEB - Administradora e Agenciadora de Benefícios Ltda) is a Brazilian family-owned benefits and insurance services company founded in 1990 in Belém, Pará, by Wilson Alves de Oliveira. The company designs, distributes, and administers subscription-based benefit packages that bundle life insurance, funeral assistance, health discounts, telemedicine, credit, and lottery participation into a single product for individual consumers, families, and corporate clients. Its two flagship offerings are the Pacote de Benefícios Individuais (Individual Benefits Package) and the Pacote de Benefícios em Grupo (Group Benefits Package), both sold on recurring monthly subscriptions and backed by Icatu Seguros for life insurance underwriting and capitalization titles.

Underlying the product portfolio is a hybrid digital-physical platform: customers manage benefits through the ASPEB Cliente mobile application (iOS/Android), access the 900+ partner establishment network (Rede Credenciada) for discounts on healthcare, pharmacies, and retail, and utilize the ASPEBCard electronic payment medium. The company operates eight physical branches across Pará, Amapá, and Maranhão states, with headquarters in a dedicated ASPEB Office facility in Belém inaugurated in 2015 that houses telemedicina infrastructure. Complementary subsidiaries include ASPEB Corretagem de Seguros Ltda (ASPEBCorr), which brokers corporate insurance with 12+ carrier partners (Porto Seguro, SulAmérica, Mapfre, Tokio Marine, MetLife, Bradesco Seguros, among others), and FINLEV, a fintech subsidiary founded in 2020 for customer financial services.

The go-to-market combines direct corporate sales for group benefit packages with digital self-serve acquisition for individual customers via app downloads, website, and traditional media (radio and television). Marketing relies on Instagram (6,733 followers), Facebook, YouTube, and customer testimonials. The company reports serving 150,000+ customers across North and Northeast Brazil, with no external institutional investors, private equity, or venture capital backing — it remains wholly family-owned across the second generation (Mayanna Oliveira Beckman and Wigor Oliveira in director roles).

Name

Aspeb

Legal name

ASPEB - Administradora e Agenciadora de Benefícios Ltda

Website

https://aspeb.com.br

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

Aspeb is a family-owned Brazilian benefits administrator founded in 1990 in Belém, Pará, offering subscription-based individual and corporate benefit packages that bundle life insurance, funeral assistance, health discounts, telemedicine, credit, and lottery participation, serving 150,000+ customers across North and Northeast Brazil through eight branches and a 900+ partner network.

Ownership category

akta.pro rank

Product category

Employee Benefits and Insurance Services

NAICS

Insurance Agencies and Brokerages (52421), All Other Insurance Related Activities (524298)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

akta.pro secondary industries

Administrative Services Only (ASO) for Employers (HLAEAAAD), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Employee benefits packages
• Group life insurance
• Funeral assistance services
• Corporate insurance brokerage
• Health discount network

Headquarters

HQ city

Belem

HQ country

Brazil

HQ region

Latin America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Individual Benefit Packages: Monthly subscription-based benefit packages offering life insurance, funeral assistance, health discounts, and lottery entries for individual customers and families
2. Group Benefit Packages: Corporate benefit packages sold to businesses for employees, including life insurance, funeral assistance, health discounts, and lottery entries with monthly billing
3. Corporate Insurance Brokerage: ASPEB Corr acts as insurance broker for corporate clients, intermediating property, fleet, liability, and corporate insurance policies with partner insurance companies

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

ASPEB sells subscription-based benefit packages to individuals and groups, bundling life insurance, funeral assistance, health discounts (up to 50%) on consultations and exams, telemedicine, credit for essential purchases without SPC/Serasa consultation, and monthly lottery/capitalization entries. Through subsidiary ASPEB Corretora (ASPEBCorr), the company also acts as insurance broker intermediating corporate policies (property, fleet, liability) with partner insurers such as Porto Seguro, SulAmérica, Mapfre, Tokio Marine, Bradesco Seguros, and MetLife.

Product overview

ASPEB is a benefits ecosystem company founded in 1990 in Belém do Pará, Brazil, offering individual and group benefit packages that combine protection, health access, and financial advantages. The core offerings consist of the Pacote de Benefícios Individuais for families and individuals, and the Pacote de Benefícios em Grupo for companies and employees. Supporting these are ASPEB Corretora (ASPEBCorr) for corporate insurance brokerage, the ASPEB Cliente mobile application for benefit management, and FINLEV for financial services. The company also maintains a network of 900+ partner establishments across Brazil providing discounts on health services, pharmacies, and supermarkets.

Differentiator

Problem solved

Functional benefit

Products and services

• Pacote de Benefícios Individuais (Individual Benefits Package) Subscription-based individual benefits package offering life insurance (backed by Icatu Seguros), funeral assistance up to R$ 5,500, health discounts up to 50% on medical and dental consultations and exams, up to 9 annual consultations paid by ASPEB, telemedicine access, credit for essential purchases without SPC/Serasa consultation, and 4 monthly lottery entries of R$ 12,000 via capitalization titles. Targeted at workers, self-employed individuals, retirees, and families in northern Brazil seeking affordable protection and health access.
• Pacote de Benefícios em Grupo (Group Benefits Package) Subscription-based group benefits package for companies offering life insurance, funeral assistance, health discounts up to 50%, up to 9 annual medical/dental consultations paid by ASPEB, telemedicine, credit for essential purchases, and 4 monthly raffles of R$ 5,000, billed monthly per employee. Targeted at small and medium businesses, associations, unions, and public or private companies seeking to provide employee benefits for retention and protection.
• ASPEB Corretora (ASPEBCorr) Corporate Insurance Brokerage Corporate insurance brokerage offering technical consultancy and intermediation of property, fleet, civil liability, and corporate insurance policies with leading partner insurers including Porto Seguro, SulAmérica, Azul Seguros, Mapfre, Tokio Marine, Suhai Seguros, Icatu, Itaú Seguros, Liberty Seguros, Sompo, MetLife, HDI Seguros, and Bradesco Seguros. Targeted at medium and large companies and industries requiring comprehensive risk management and corporate insurance solutions.
• FINLEV Wholly-owned fintech subsidiary of ASPEB focused on financial services for customers, reinforcing the company's commitment to innovation in financial technology alongside its traditional benefits and insurance offerings.
• ASPEB Cliente Mobile Application Mobile application for individual and group customers to manage benefits, access insurance and benefits information, check statements, and access the credenciado provider network, available on Android (Google Play) and iOS (App Store) platforms.
• ASPEBCard Electronic payment medium that provides practicality in using benefits, enabling ASPEB members to access and consume their benefits through electronic transactions.

Quantifiable outcome

• Up to 50% discount on health consultations and exams
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

13 partnerships are on record, tiered core and major.

• Icatu SeguroscoreTechnology or Integration · 1 January 2005Long-term partnership with Icatu Seguros for life insurance products and capitalisation titles. Icatu provides insurance coverage for life and funeral assistance policies, with ASPEB acting as administrator and broker. Sorteios (lotteries) are backed by capitalisation titles from Icatu Capitalizacao S/A.
• Porto SeguromajorTechnology or IntegrationPartner insurance company for ASPEB Corr corporate insurance brokerage, providing property, fleet, and liability insurance solutions for large enterprises and industries.
• SulAmricamajorTechnology or IntegrationPartner insurance company for ASPEB Corr, offering insurance products through the corporate brokerage channel.
• Azul SegurosmajorTechnology or IntegrationPartner insurance company for ASPEB Corr corporate insurance solutions.
• MapfremajorTechnology or IntegrationPartner insurance company for ASPEB Corr, providing insurance products for corporate clients.
• Tokio MarinemajorTechnology or IntegrationPartner insurance company for ASPEB Corr, offering corporate insurance solutions.
• Suhai SegurosmajorTechnology or IntegrationPartner insurance company for ASPEB Corr insurance brokerage.
• Itau SegurosmajorTechnology or IntegrationPartner insurance company for ASPEB Corr, providing insurance products for corporate clients.
• Liberty SegurosmajorTechnology or IntegrationPartner insurance company for ASPEB Corr insurance solutions.
• SompomajorTechnology or IntegrationPartner insurance company for ASPEB Corr, offering corporate insurance products.
• MetLifemajorTechnology or IntegrationPartner insurance company for ASPEB Corr, providing insurance solutions for enterprises.
• HDI SegurosmajorTechnology or IntegrationPartner insurance company for ASPEB Corr insurance brokerage.
• Bradesco SegurosmajorTechnology or IntegrationPartner insurance company for ASPEB Corr, offering insurance products through the corporate channel.

Scale indicators5 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• Qualicorp: Brazil's largest corporate health/benefits administrator, intermediating group plans between insurers and corporate clients. Directly comparable to ASPEB's Pacote de Benefícios em Grupo model, though operating at substantially larger national scale.
• Allcare Administradora de Benefícios: Brazilian benefits administrator that intermediates health and ancillary benefits for corporate clients. Directly comparable to ASPEB's TPA-style role for group benefits, though typically focused on corporate rather than individual subscribers.

Broad incumbents

• SulAmérica: Large Brazilian health, dental, life and auto insurer with strong group/employer-sponsored benefits franchise. ASPEB Corretora partner; directly comparable in the group benefits intermediation space though at national incumbent scale.
• Porto Seguro: One of Brazil's largest insurance conglomerates, providing property, auto, fleet and liability coverage. Partner of ASPEB Corretora for corporate insurance brokerage, making it a direct overlap in the commercial brokerage value chain though at vastly greater scale.
• Icatu Seguros: Major Brazilian life insurance, capitalization and pension carrier that has been ASPEB's core insurance partner since 2005. Comparable as the underlying risk underwriter for ASPEB's life, funeral and capitalization products, though operates as a carrier rather than administrator/broker.
• Mapfre Brasil: Global insurance group with sizable Brazilian operations across property, casualty, life and corporate lines. Partner of ASPEB Corretora for corporate insurance solutions; comparable as a broad-line incumbent carrier operating in ASPEB's distribution geography.
• MetLife Brasil: Major global life and group benefits insurer operating in Brazil. ASPEB Corretora partner for corporate insurance; comparable in the group benefits underwriting space where ASPEB intermediates coverage.
• Bradesco Seguros: Insurance arm of Bradesco, one of Brazil's largest insurance groups across life, health, property and casualty. ASPEB Corretora partner; comparable as a broad incumbent with strong corporate and group benefits offerings distributed through partners like ASPEB.
• Tokio Marine Seguradora: Major Brazilian insurer offering corporate, auto, property and specialty products. ASPEB Corretora partner; operates in the same corporate brokerage value chain where ASPEB intermediates insurance placements.

Regional players

• Plena Saúde: Regional health benefits provider operating in select Brazilian states with bundled services including consultations and discounts. Similar regional TPA-like model to ASPEB but with a tighter health-services focus and different geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC9W_dRvtft67DIPOUnV9Jmw
• Facebookfacebook.com/aspeb.beneficios
• Instagraminstagram.com/aspeb.beneficios
• LinkedInlinkedin.com/company/aspeb

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 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 Aspeb