Seguradora ALM

What Seguradora ALM does

Seguradora ALM S.A. is a privately held Brazilian insurance company headquartered in Rio de Janeiro, incorporated in 2024 (CNPJ 23.694.731/0001-80) with a stated headcount of 18 employees. The company underwrites and distributes two core product lines: life insurance (marketed as ALM Toda Vida / Seguro de Vida ALM), which bundles funeral expenses, food allowance, bureaucratic-expense assistance, and residential emergency services; and a simplified surety bond product (Seguro Garantia Simplificado) covering all bond modalities for contractors and corporate clients. The portfolio also includes individual life, group life (Vida em Grupo), and collective personal accident (Seguro de Acidentes Pessoais Coletivo) variants, layered with a complimentary Clube de Benefícios loyalty program offering SkyLight TV subscription, audiobooks, health-service discounts, and weekly or monthly prize drawings of up to R$30,000.

The company operates through a hybrid of licensed insurance brokers (corretores) accessing the Portal do Corretor and a dedicated surety bond portal, plus direct-to-consumer sales via WhatsApp (+55 21 97286-4098) and the Portal do Segurado. Customer support runs 24/7 through a dedicated SAC (0800 580 2647) and an independent Ouvidoria (0800 580 2437). Marketing channels include Instagram, YouTube, LinkedIn, and a content/news blog. The company claims 400,000+ people insured and 15,000+ service requests handled within SLA, though no revenue, capital, or financial figures are publicly disclosed.

Revenue is generated through recurring monthly insurance premiums on individual and corporate policies, with quote-based pricing delivered via WhatsApp. The company is classified as private with no disclosed parent, investors, or management team. No technology stack, AI capabilities, patents, partnerships, or certifications were disclosed in the input data, and there is no evidence of geographic expansion beyond Brazil.

Name

Seguradora ALM

Legal name

Seguradora ALM S.A.

Website

https://almseguradora.net

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

Seguradora ALM is a privately held Brazilian insurance company, founded in 2024 and headquartered in Rio de Janeiro, that underwrites life insurance and surety bond products for individual and corporate clients via licensed brokers, WhatsApp, and dedicated policyholder portals.

Ownership category

akta.pro rank

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of recurring insurance premiums from life insurance (Seguro de Vida ALM) and guarantee insurance (Seguro Garantia) policies. Revenue generated through periodic premium payments from individual and corporate policyholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Seguradora ALM is a Brazilian insurance company that sells life insurance (Seguro de Vida ALM / ALM Toda Vida) covering funeral expenses, food allowance, expense assistance, and residential assistance, plus guarantee insurance (Seguro Garantia) across all modalities for businesses. The company distributes its products through a licensed broker network, direct WhatsApp-based sales, and digital policyholder portals, complemented by a complimentary Benefits Club offering discounts, TV subscription, audiobooks, and prize drawings.

Product overview

Seguradora ALM offers a portfolio of insurance products centered around two core offerings: life insurance (Seguro de Vida ALM) and guarantee insurance (Seguro Garantia). The life insurance line includes individual and group variants, supplemented by collective personal accident coverage. The product suite is complemented by a Clube de Benefícios program that provides subscribers with exclusive discounts, entertainment services, and prize drawings. The company operates dedicated web portals for policyholders and brokers, and provides WhatsApp-based quoting for simplified customer engagement.

Differentiator

Problem solved

Functional benefit

Brands

• ALM Toda Vida: Life insurance product offered by Seguradora ALM, covering funeral expenses, food assistance, residential assistance, and offering benefits such as discounts on consultations, exams, and medications.

Products and services

• Seguro de Vida ALM (ALM Toda Vida) Comprehensive life insurance product for individual and group policyholders covering funeral expenses, food allowance, emergency expense assistance, and residential emergency services. Marketed under the ALM Toda Vida sub-brand and designed to provide financial protection and family support in case of death, with additional well-being benefits included.
• Seguro Garantia (Simplificado) Surety bond insurance covering all modalities, designed for contractors and businesses requiring contractual guarantees. Issued through a dedicated broker portal (Portal Garantia) with simplified and agile policy processing.
• Clube de Benefícios (ALM) Exclusive benefits club included with ALM insurance products at no additional cost, providing subscription TV (SkyLight), audiobooks, discounts on medical consultations, exams, and medications, plus weekly and monthly prize drawings of up to R$30,000.

Quantifiable outcome

• 400,000+ people insured
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Liberty Seguros Brasil: Brazilian subsidiary of Liberty Mutual offering life, auto, and surety through broker networks and direct channels. Comparable to ALM in life and surety underwriting and broker-led distribution.
• Zurich Seguros Brasil: Brazilian arm of Zurich Insurance, active in life, personal accident, and surety with broker and digital distribution. Comparable in product mix and broker-channel focus, though with global capital backing and broader product portfolio.
• SulAmérica Seguros: Major Brazilian life and health insurer with strong individual and group life offerings and broker-led distribution. Directly comparable to ALM's life insurance business and benefits-club-style value-added services strategy.
• Mapfre Seguros: Brazilian operations of global insurer Mapfre, active in life, auto, and surety with broker and digital channels. Comparable as a multi-line Brazilian insurer using both broker portals and direct distribution, similar to ALM's hybrid model.
• Porto Seguro Seguros: One of Brazil's largest multi-line insurers, offering life, personal accident, and surety products via broker and direct channels. Comparable as a direct competitor to ALM in the Brazilian individual life and personal accident space, though with much broader scale and product breadth.
• Tokio Marine Seguradora: Brazilian arm of Tokio Marine offering life, personal accident, and surety products through broker networks. Comparable in product scope and broker-channel distribution to ALM, though backed by a global reinsurer and with much larger balance sheet.
• Bradesco Seguros: Largest Brazilian insurance group, with leading life insurance (Bradesco Vida) and surety franchises distributed via Bradesco's bank network and brokers. Directly comparable to ALM as a life/surety carrier in Brazil, but with massive scale, capital, and embedded bank distribution.

Direct peers

• HDI Seguros: Mid-sized Brazilian insurer competing in life, personal accident, and surety via broker and digital channels. Closely comparable to ALM in size profile and broker-led distribution, making it a strong direct peer for benchmarking product and channel strategy.
• Pottencial Seguradora: Brazilian insurer historically specialized in surety bonds (Seguro Garantia), a core ALM product. Closely comparable to ALM's surety business in target market and product, making it the most relevant direct peer for that line.
• JMalucelli Seguradora: Brazilian surety-focused insurer historically strong in construction and contract guarantee bonds. Directly comparable to ALM's Seguro Garantia product, though ALM differentiates via simplified digital issuance rather than traditional broker-led underwriting.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCZgOFtjBT5xx-EAAvYFgJ6A
• LinkedInlinkedin.com/company/seguradora-alm
• Instagraminstagram.com/seguradoraalm

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 Seguradora ALM