Crível Corretora de Seguros

What Crível Corretora de Seguros does

Crível Corretora de Seguros, operating as Grupo Crível, is a Brazilian insurance brokerage founded in 1991 and headquartered in Rio de Janeiro. The firm operates as a SUSEP-regulated intermediary (CNPJ 40.273.344/0001-99) connecting individual, family, and corporate clients with health, dental, life, residential, business, auto, and motorcycle insurance products. Its core service line is brokerage across a network of 15+ carrier partners including SulAmérica, Amil, Unimed, Bradesco Saúde, Itaú, Porto Seguro, Allianz, MetLife, and Tokio Marine, supplemented by a higher-value Consultoria em Saúde advisory practice focused on claim-ratio reduction and corporate wellness for SMEs and large enterprises.

The firm runs a consultant-led sales motion structured around three stages: quotation (market comparison and customized coverage design), implementation (contract generation and procedural follow-up), and post-sale management (beneficiary handling, movement processing, and rate negotiation). Revenue is generated exclusively through carrier commissions on placed and renewed policies, with no disclosed proprietary technology platform, no app, and no APIs. The company employs 11-50 staff across finance, commercial, marketing, and operational functions under CEO & Founder Randy K. Yazzie, and supports sales through a mix of physical office presence, WhatsApp, website contact forms, and organic social channels (Instagram, Facebook, YouTube).

Customer concentration among named logos (Adaptlink, Davita, Denial, Dinamicar, Piracanjuba, Plastlabor, Tamandaré, WiseUp) spans food/beverage, healthcare/laboratory, and education verticals, indicating vertical diversification, though no revenue per client is disclosed. The firm competes in a fragmented Brazilian corretora market with no technology differentiation, relying on relationship-driven sales, multi-carrier access, and 33 years of operating history as its primary competitive levers.

Name

Crível Corretora de Seguros

Legal name

CRIVEL CORRETORA DE SEGUROS LTDA

Website

https://grupocrivel.com.br

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Crível Corretora de Seguros is a SUSEP-licensed Brazilian insurance brokerage founded in 1991, based in Rio de Janeiro, that intermediates health, dental, life, auto, and property coverage from 15+ carriers for individuals, SMEs, and corporate clients, with a companion health-consulting advisory practice.

Ownership category

akta.pro rank

Headquarters

HQ city

Rio de Janeiro, Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Insurance Brokerage Commissions: Commission-based revenue model as an authorized insurance broker (corretora de seguros) authorized by SUSEP. Earns commissions from insurance companies for placing and managing insurance policies including health plans, dental plans, life insurance, residential, auto, and business insurance. The company represents client interests and mediates the relationship with insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Crível Corretora de Seguros is a Brazilian insurance brokerage (corretora de seguros) licensed by SUSEP that intermediates health plans, dental plans, and property/casualty insurance products between clients and major Brazilian insurers. The company offers health consulting, plan negotiation, policy implementation, and ongoing contract management for both individual/family customers and corporate clients (PME and large enterprises).

Product overview

Crível Corretora de Seguros operates as a traditional insurance brokerage firm with a single integrated service offering rather than a platform architecture. The core portfolio consists of three interconnected service lines: (1) Health and Dental Plan Brokerage — acting as intermediary between clients and health operators to find optimal cost-benefit solutions; (2) Insurance Products — offering life, residential, business, auto, and motorcycle coverage with customized protection; and (3) Health Consulting — providing strategic advisory for corporate benefits management and wellness culture implementation. Services are offered to both individuals (individual/family plans) and corporate clients (PME and PJ segments), with processes structured around quote analysis, policy implementation, and post-sale management.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Plans (Planos de Saúde) Brokerage of health insurance plans providing access to a network of hospitals, clinics, and specialists through partner operators. Offered for individual/family and corporate (PME/PJ) segments with emphasis on preventive healthcare.
• Dental Plans (Planos Odontológicos) Dental insurance plans with affordable costs and easy contracting, offering wide service coverage and a broad network of dental providers for both companies and individuals.
• Insurance and Benefits (Seguros e Benefícios) Insurance and benefits products including life, residential, business, auto, and motorcycle insurance. Provides customized coverage to protect material assets, digital assets, family members, and pets.
• Health Consulting (Consultoria em Saúde) Health consulting service that evaluates client scenarios, negotiates optimal plans, and promotes actions for continuous reduction of claim ratios. Combines benefits with cost reduction focused on prevention and well-being.

Quantifiable outcome

• Companies with investments in health promotion and wellness show 5% higher growth than those that do not invest (citing Instituto de Estudos de Saúde Suplementar)

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and minor.

• Notre Dame IntermédicacoreChannel Partner/ Reseller/ DistributorHealth insurance operator partnership providing individual and corporate health plans. Crível acts as broker intermediary between Notre Dame and clients.
• Porto SegurocoreChannel Partner/ Reseller/ DistributorMajor Brazilian insurance company partnership for health, dental, and property insurance products distributed through Crível.
• SulAméricacoreChannel Partner/ Reseller/ DistributorLeading health insurance operator partnership for individual and corporate health plan solutions.
• Tokio MarinecoreChannel Partner/ Reseller/ DistributorJapanese insurance company partnership for health and benefits solutions in Brazil.
• UnimedcoreChannel Partner/ Reseller/ DistributorLargest Brazilian health cooperative network partnership for health plan distribution.
• AllianzcoreChannel Partner/ Reseller/ DistributorGlobal insurance company partnership for health and benefits products in Brazil.
• AmilcoreChannel Partner/ Reseller/ DistributorMajor Brazilian health insurance operator partnership for individual and corporate health plans.
• Bradesco SaúdecoreChannel Partner/ Reseller/ DistributorBradesco group health insurance partnership for corporate health solutions.
• ItaúcoreChannel Partner/ Reseller/ DistributorItaú insurance partnership for corporate health and benefits solutions.
• MetLifecoreChannel Partner/ Reseller/ DistributorGlobal benefits and insurance company partnership for corporate solutions.
• Assim SaúdeminorChannel Partner/ Reseller/ DistributorHealth insurance operator partnership for specific regional coverage options.
• Azul SegurosminorChannel Partner/ Reseller/ DistributorInsurance company partnership for additional coverage options.
• ChubbminorChannel Partner/ Reseller/ DistributorGlobal property and casualty insurance partnership.
• Golden CrossminorChannel Partner/ Reseller/ DistributorHealth insurance operator partnership for health plan distribution.
• HDI SegurosminorChannel Partner/ Reseller/ DistributorGerman insurance company partnership for various insurance products.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Aon Brasil: Global insurance brokerage and advisory firm with substantial operations in Brazil, offering health benefits, risk, and reinsurance solutions to large companies. Competes for the same enterprise benefits RFPs as Crível, albeit at a much larger scale.
• Marsh Brasil: Brazilian arm of the global insurance brokerage Marsh, providing risk advisory, insurance placement, and benefits consulting to large corporates. Operates as a broad incumbent with overlapping health and benefits brokerage capabilities for enterprise clients that Crível also targets.
• Willis Towers Watson Brasil: Global advisory and brokerage firm with a Brazilian presence focused on corporate risk management, health and benefits, and actuarial consulting. Comparable to Crível in the health and benefits intermediation space but serves predominantly large enterprise clients.
• Lockton Brasil: Independent global insurance broker with operations in Brazil providing commercial insurance and employee benefits placement. Competes with Crível for mid-market and large corporate health benefits accounts in Brazil.

Emerging players

• Minuto Seguros: Brazilian digital-first insurance broker/comparison platform that automates policy quoting and online distribution. Represents the digital-native model that contrasts with Crível's traditional consultative brokerage approach, increasingly competing for SME and individual customers.
• Justos: Brazilian insurtech operating a digital auto insurance offering with a tech-driven brokerage/insurer hybrid model. Represents a new wave of digital-first competitors targeting parts of the insurance distribution value chain where traditional brokers like Crível operate.

Direct peers

• Allseg (formerly Wiz Soluções Corretora de Seguros): One of Brazil's largest insurance broker groups offering multi-line brokerage (health, dental, property, life) to both corporate and individual clients. Directly competes with Crível in the Brazilian supplemental health and benefits brokerage market with a substantially larger footprint.
• BK Corretora de Seguros: Brazilian insurance brokerage offering health plans, dental, life, and corporate benefits with a multi-carrier model. Closely mirrors Crível's value proposition and target segments (PME and individuals) in the Brazilian market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC8_pbnBqJ3boOTWbHQrKesQ
• Facebookfacebook.com/grupocrivel
• Instagraminstagram.com/grupocrivel
• LinkedInlinkedin.com/company/grupocrivel

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Crível Corretora de Seguros