Frizzo

What Frizzo does

Frizzo Corretora de Seguros is a São Paulo-based insurance brokerage founded in 1997 by Fábio Frizzo, operating as a SUSEP-registered corretora de seguros. The firm intermediates insurance and consortium products for individual consumers and small/mid-sized businesses in Brazil, distributing across 40+ carrier partnerships with a 92-person team. Its product portfolio spans health, auto, life, business, residential, cell phone, and travel insurance, alongside consórcio administration services.

The business model is built on brokerage commissions earned on placed policies and consortium management fees, with no disclosed external funding or M&A activity. Distribution is anchored on a WhatsApp-first channel supported by online quote forms, Instagram, Facebook, LinkedIn, and direct sales from the São Paulo headquarters. The firm operates Frizzolândia, a loyalty program that has run for over two decades and functions as the primary customer retention mechanism. The company is privately held and founder-controlled, with no evidence of a proprietary technology platform, AI capability, or geographic expansion beyond its São Paulo base.

Name

Frizzo

Legal name

Frizzo Corretora de Seguros

Website

https://frizzoseguros.com.br

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

51–100 employees

Short description

Frizzo Corretora de Seguros is a São Paulo-based, SUSEP-licensed insurance brokerage founded in 1997 by Fábio Frizzo, distributing health, auto, life, business, residential, cell phone, and travel insurance plus consortium services across 40+ carrier partnerships to Brazilian consumers and SMBs.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAA

Retail (Personal Lines) Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAIAEAL

Individual Health Insurance Brokerage & Distribution

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

Keywords

• Insurance brokerage
• Insurance consulting
• Personal insurance
• Commercial insurance
• Consortium services

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Insurance Brokerage Commissions: Frizzo earns commissions from insurance companies for policies sold and renewed. As an independent broker registered with SUSEP since 1997, the company receives percentage-based commissions on premiums paid by customers across all insurance product lines (health, auto, life, home, business, travel, cell phone). The business model relies on building a multi-policy customer base through the 'Frizzolândia' loyalty program, increasing customer lifetime value through cross-selling.
2. Consortium Management Fees: Frizzo offers consórcios (group savings pools for cars and real estate) and earns management/administration fees from facilitating these interest-free group savings programs. Customers pay periodic contributions to the consortium fund, with Frizzo earning fees for arranging and managing the program.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Frizzo Corretora de Seguros is an independent Brazilian insurance brokerage that distributes insurance and consortium products from 40+ partner insurers to individual consumers, families, and small/medium businesses in São Paulo. The firm's portfolio spans health, auto, life, home, business, cell phone, and travel insurance, supplemented by interest-free consortium services for vehicle and real estate acquisition, all delivered through personalized broker-led consulting.

Product overview

Frizzo Corretora de Seguros is an insurance brokerage firm offering a unified portfolio of insurance and financial products. The core offerings include eight distinct insurance categories (health, auto, life, business, home, cell phone, and travel insurance) plus consortium services for vehicle and real estate acquisition. The Frizzolândia loyalty program ties these products together, rewarding customers who consolidate multiple policies with exclusive benefits, policy management services, and differentiated pricing. The company operates as a single-platform insurance broker rather than a modular software product, providing personalized consultancy and quote services primarily through WhatsApp and online contact forms.

Differentiator

Problem solved

Functional benefit

Brands

• Frizzolândia: An exclusive loyalty and benefits program for clients who concentrate more than one insurance policy with Frizzo, offering credits and differentiated conditions for new contracts.

Products and services

• Health Insurance Plans (Planos de Saúde) Health insurance plans providing medical coverage and care for individuals and families, distributed through partner networks including Amil, Notredame Intermédica, Prevent Senior, and Medsenior.
• Consortium (Consórcio) Interest-free group savings service enabling customers to acquire vehicles or real estate through periodic contributions and consortium allocations, with Frizzo earning administration fees for facilitating the program.
• Auto Insurance (Seguro Auto) Vehicle insurance providing comprehensive protection for automobiles, distributed through partners including Porto Seguro, Allianz, Azul Seguros, HDI, and Suhai.
• Life Insurance (Seguro de Vida) Life insurance providing financial security for beneficiaries in the event of death or critical illness, distributed through partner insurers including Allianz.
• Business Insurance (Seguro Empresarial) Commercial insurance solutions designed to protect companies from operational risks, liabilities, and disruptions, distributed through partner insurers including Porto Seguro, Tokio Marine, and others.
• Home Insurance (Seguro Residencial) Residential property insurance covering damages, theft, and other unforeseen events affecting the home, distributed through partners including Porto Seguro, Allianz, and HDI.
• Cell Phone Insurance (Seguro Celular) Mobile device insurance protecting smartphones against damage, theft, and other device-related issues.
• Travel Insurance (Seguro Viagem) Travel insurance providing coverage and peace of mind during domestic and international trips.

Quantifiable outcome

• Not specifically quantified - customer testimonials indicate high satisfaction with multi-decade relationships and seamless insurance transitions

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core and minor.

• Allianz SeguroscoreChannel Partner/ Reseller/ DistributorAllianz is one of the world's largest insurance companies. Frizzo distributes Allianz auto, life, and property insurance products to Brazilian customers as an authorized broker.
• Amil (UnitedHealth Group)coreChannel Partner/ Reseller/ DistributorMajor Brazilian health insurance provider. Frizzo offers Amil health plans to individual and corporate clients as an authorized distributor.
• Porto SegurocoreChannel Partner/ Reseller/ DistributorLeading Brazilian insurance company specializing in auto, home, and business insurance. Frizzo distributes PortoSeguro products as an authorized broker.
• SulAméricacoreChannel Partner/ Reseller/ DistributorOne of the largest independent insurers in Brazil. Frizzo offers SulAmérica health and personal insurance products to customers.
• MapfrecoreChannel Partner/ Reseller/ DistributorGlobal insurance group with significant Brazilian operations. Frizzo distributes Mapfre insurance products as an authorized broker.
• Tokio MarinecoreChannel Partner/ Reseller/ DistributorJapanese-origin global insurer operating in Brazil. Frizzo offers Tokio Marine auto, business, and personal insurance products.
• Itaú SeguroscoreChannel Partner/ Reseller/ DistributorInsurance subsidiary of Itaú Unibanco, one of Brazil's largest banks. Frizzo distributes Itaú insurance products through the partnership.
• Notredame IntermédicacoreChannel Partner/ Reseller/ DistributorMajor health insurance operator in Brazil. Frizzo offers Notredame Intermédica health plans to individual and corporate customers.
• Prevent SeniorminorChannel Partner/ Reseller/ DistributorHealth insurance provider focused on senior customers. Frizzo distributes Prevent Senior health plans as an authorized broker.
• MedseniorminorChannel Partner/ Reseller/ DistributorHealth insurance operator serving the Brazilian market. Frizzo offers Medsenior health plans to eligible customers.
• Azul SegurosminorChannel Partner/ Reseller/ DistributorBrazilian insurance company offering auto and property insurance. Frizzo distributes Azul products as an authorized broker.
• HDI SegurosminorChannel Partner/ Reseller/ DistributorBrazilian property and casualty insurer. Frizzo offers HDI insurance products to customers.
• Suhai SegurosminorChannel Partner/ Reseller/ DistributorBrazilian auto insurance specialist. Frizzo distributes Suhai auto insurance products.
• Yelum SegurosminorChannel Partner/ Reseller/ DistributorBrazilian insurance provider. Frizzo offers Yelum insurance products as an authorized broker.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Justos: Brazilian insurtech starting with auto insurance and expanding into additional lines, combining tech-led underwriting with broker-like advisory. Comparable in target market (Brazilian consumers seeking personal lines) but differentiates through proprietary underwriting technology.
• Akko: Brazilian insurtech focused on gadget and cell phone insurance with a tech-led distribution model. Comparable to Frizzo in cell phone insurance line but targets younger, digital-native consumers via app.

Direct peers

• Minuto Seguros: Brazilian digital-first insurance brokerage offering multi-line comparison and online policy purchase across major Brazilian insurers. Most directly comparable peer given similar product breadth and carrier-agency model, though with stronger technology orientation.
• 180 Seguros: Brazilian insurance brokerage distributing policies from multiple major carriers across personal and commercial lines. Comparable to Frizzo in product breadth and intermediary role, with a more digitally enabled customer experience.
• UseSeguros: Online Brazilian insurance brokerage offering multi-carrier comparison and policy purchase across health, auto, life, and other personal lines. Comparable to Frizzo in product scope and intermediary business model.
• Tudo Sobre Seguros: Brazilian insurance comparison and brokerage platform helping consumers across multiple lines. Comparable to Frizzo as a multi-carrier intermediary serving individual and SMB customers in Brazil.

Broad incumbents

• Wiz Soluções: One of Brazil's largest insurance brokerage and consulting groups, serving corporate and individual clients nationwide. Comparable in core brokerage activity but vastly larger scale and geographic reach than Frizzo.
• SulAmérica: Leading Brazilian independent insurer with strong health and personal lines distribution. Comparable as a Frizzo partner carrier with overlapping product focus, particularly in health and life insurance.
• Icatu Seguros: Major Brazilian insurance carrier with a strong brokerage distribution arm across life, pension, and capitalization products. Comparable as a multi-channel insurance distributor in Brazil, though with carrier-side capabilities Frizzo lacks.
• Porto Seguro: One of Brazil's largest insurance carriers, distributing auto, home, life, and business insurance through proprietary and broker channels. Comparable as a Frizzo distribution partner, but operates at much larger scale with captive underwriting.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/FrizzoCorretoraDeSeguros
• LinkedInlinkedin.com/company/frizzo
• Instagraminstagram.com/frizzoseguros

Compliance1 record

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 Frizzo