HOLD Corretora

Name

HOLD Corretora

Legal name

Hold Planos de Saúde, Consórcios e Seguros

Website

https://holdseguros.com.br

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Uberlândia, Minas Gerais

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, Technology or R&D, Others

Revenue model

1. Insurance and Consortium Brokerage Commissions: HOLD Corretora generates revenue through commissions paid by insurance companies, consortium administrators, and health plan operators for policies and consortium quotas sold to end customers. The company acts as an intermediary matching customer needs with suitable products from their 60+ partner network.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

HOLD Corretora is a Brazilian insurance and consortium brokerage firm that acts as an intermediary between customers and more than 60 partner operators, consortium administrators, and insurance companies. The company sells individual/family and corporate health and dental plans, six categories of consortiums (real estate, auto, services, accelerated contemplation, condominiums, and churches) plus pre-contemplated credit letters, and over 20 lines of personal and commercial insurance (life, residential, automobile, business, travel, agricultural, D&O, civil liability, etc.). It earns revenue through commissions paid by partner providers for policies and consortium quotas sold to end customers.

Product overview

HOLD Corretora is a multi-product brokerage firm operating as an intermediary across three core pillars: Planos de Saúde (Health Insurance Plans), Consórcios (Consortium/Group Savings Plans), and Seguros (Insurance). The portfolio includes individual/family and enterprise health and dental plans, six types of consortium plans covering real estate, vehicles, services, MCA (accelerated contemplation), condominiums (CONDOFAZ), and churches (My Church), plus pre-contemplated consortium credit letters, and 20+ insurance lines spanning life, health, dental, private pension, residential, condominium, business, travel, bike, automobile, nautical, aviation, fleets, machinery, cargo transport, agricultural, engineering risk, guarantee, named risks, environmental, civil liability, and D&O insurance. The company connects customers with over 60 partner operators, administrators, and insurers to deliver tailored solutions at competitive pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Planos de Saúde Individual ou Familiar (Individual/Family Health Plans) Health insurance plans contracted through CPF for individuals and families, providing access to quality healthcare across more than 60 partner operators.
• Planos de Saúde para Empresas (Corporate Health Plans) Health insurance plans for companies contracted through CNPJ (minimum 2-3 beneficiaries), selected to meet employee needs and promote satisfaction, motivation, and productivity.
• Planos Odontológicos (Dental Plans) Dental insurance plans offered for individuals, families, and enterprises, providing access to quality dental care through partner operators.
• Consórcio de Imóveis (Real Estate Consortium) Consortium plan enabling purchase of residential or commercial properties, construction or renovation of homes, and acquisition of land, sites, and farms through planned installments.
• Consórcio Auto (Vehicle Consortium) Vehicle consortium plan for acquiring cars, motorcycles, pickups, vans, buses, and trucks (new or used) through manageable installments.
• Consórcio de Serviços (Services Consortium) Consortium for contracting professional services including renovations, plastic surgeries, dental treatments, studies, travel, and weddings.
• Consórcio MCA (Accelerated Contemplation Consortium) Accelerated contemplation consortium exclusive to BR Consórcios, offering investors a 15% per year guaranteed return and buyers guaranteed contemplation by the 4th month.
• CONDOFAZ – Consórcio para Condomínios (Condominium Consortium) Consortium facilitating access to credit for condominiums for improvements, expansions, renovations, and acquisition of equipment such as elevators, generators, and photovoltaic panels.
• My Church – Consórcio para Igrejas e Templos (Church Consortium) Consortium designed for churches and temples to access credit for parking lots, support halls, community service houses, audio and video equipment, vehicles, and other solutions.
• Cartas Contempladas de Imóveis (Pre-contemplated Property Credit Letters) Pre-contemplated property consortium credit letters available for immediate use to purchase real estate.
• Cartas Contempladas de Veículos (Pre-contemplated Vehicle Credit Letters) Pre-contemplated vehicle consortium credit letters available for immediate vehicle acquisition.
• Seguro de Vida (Life Insurance) Life insurance providing financial protection and coverage for beneficiaries in the event of death or terminal illness.
• Seguro Saúde (Health Insurance / Supplemental Health Coverage) Health insurance covering medical expenses, hospitalizations, and treatments as a supplemental/standalone coverage line.
• Previdência Privada (Private Pension) Private pension plan offering retirement savings and investment accumulation.
• Seguro Residencial (Residential Insurance) Residential insurance covering damages to homes from fire, lightning, explosion, flooding, storms, vehicle impact, aircraft, electrical damage, and civil liability.
• Seguro Condomínio (Condominium Insurance) Mandatory insurance for buildings and common areas against fire and total or partial destruction, covering all autonomous units and shared spaces.
• Seguro Empresarial (Business Insurance) Business insurance protecting companies against operational risks, property damage, and liability claims.
• Seguro Viagem (Travel Insurance) Travel insurance providing coverage for trip cancellations, medical emergencies, and lost baggage.
• Seguro Bike (Bicycle Insurance) Insurance coverage for bicycles against theft, damage, and accidents.
• Seguro Automóvel (Automobile Insurance) Automobile insurance covering vehicle damage, theft, and third-party liability.
• Seguro Náutico (Nautical Insurance) Insurance for boats and watercraft against damages, theft, and maritime risks.
• Seguro Aeronáutico (Aviation Insurance) Aviation insurance covering aircraft against damages, accidents, and liability.
• Seguro Frotas (Fleet Insurance) Fleet insurance covering multiple vehicles owned by businesses against damages and liability.
• Seguro Máquinas e Equipamentos (Machinery and Equipment Insurance) Machinery and equipment insurance covering mechanical breakdowns and operational losses.
• Seguro Transporte de Cargas (Cargo Transport Insurance) Cargo transport insurance covering goods in transit against damage, loss, and theft.
• Seguro Agrícola (Agricultural Insurance) Agricultural insurance covering crops, livestock, and farm equipment against weather events and losses.
• Seguro Risco de Engenharia (Engineering Risk Insurance) Engineering risk insurance covering construction projects and civil works against damages during the construction phase.
• Seguro Garantia (Guarantee Insurance) Guarantee insurance covering contractual obligations and performance bonds.
• Seguro Riscos Nomeados (Named Risks Insurance) Named risks insurance covering specifically enumerated perils as defined in the policy.
• Seguro Ambiental (Environmental Insurance) Environmental insurance covering liability for environmental damages and remediation costs.
• Seguro Responsabilidade Civil (Civil Liability Insurance) Civil liability insurance covering legal obligations arising from damages caused to third parties.
• Seguro D&O (Directors and Officers Insurance) Directors and Officers liability insurance covering company executives against legal claims arising from management decisions.

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

One partnership is on record.

• Health Plan Operators (60+ Partners)coreOthersHOLD Corretora maintains relationships with more than 60 commercial partners including health operators, consortium administrators, and insurance companies. These partnerships enable the company to offer a wide range of health plans, consortium products, and insurance options to meet diverse customer needs for optimal cost or best benefits.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• SulAmérica Seguros: Major Brazilian health, life, dental, and auto insurer; overlaps with HOLD on the health and dental plan distribution side and competes for the same corporate benefits RFPs.
• Allianz Brasil: Global insurer with a large Brazilian presence offering health, life, auto, and property coverage; comparable as both a likely partner carrier for HOLD and a competitor in corporate benefits distribution.
• Bradesco Seguros: Large Brazilian insurance carrier group within Banco Bradesco, distributing life, health, auto, and property products; comparable as a multi-line insurance provider and a likely carrier within HOLD's 60+ partner network.
• Porto Seguro: One of Brazil's largest insurance carriers and broker networks offering auto, health, life, and property coverage; a broad incumbent with overlapping distribution and product breadth versus HOLD's portfolio.

Emerging players

• Akko: Brazilian digital insurance and electronics protection provider; comparable as a newer insurance intermediary, but focused on niche gadget/device coverage rather than the broad multi-line brokerage HOLD offers.
• Bidu Comparador de Seguros: Brazilian insurance comparison platform that aggregates quotes from multiple carriers; comparable to HOLD in aggregating multiple insurance partners, though serving customers through self-serve online quoting instead of personalized advisory.
• Justos: Brazilian digital-first auto insurance broker/carrier with proprietary tech; comparable to HOLD as an insurance distribution intermediary in Brazil, but competing on mobile UX rather than personal advisory.
• Warren Investimentos: Brazilian digital investment and insurance platform; comparable as a multi-product financial intermediary serving retail Brazilian customers, though primarily digital rather than WhatsApp/advisory-led.
• 180 Seguros: Brazilian online insurance broker offering auto, home, and life coverage from multiple carriers; overlaps with HOLD's multi-line insurance distribution but operates through a digital funnel rather than WhatsApp-led advisory.

Direct peers

• Wiz Soluções: Brazil's largest independent insurance brokerage, distributing life, auto, health, and other insurance lines via a multi-partner network; directly comparable to HOLD's multi-product brokerage model, though at vastly greater scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/jacimar.gomes.7/?locale=pt_BR
• LinkedInlinkedin.com/company/holdseguros
• Instagraminstagram.com/jacimarholdcorretora

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 HOLD Corretora