Life Prev Corretora De Seguros

What Life Prev Corretora De Seguros does

LifePrev Corretora de Seguros is a Brazilian insurance brokerage (corretora de seguros) registered with SUSEP under registration 20.201.720-1. Founded on June 8, 2015, in Campinas, São Paulo, and currently headquartered in Valinhos, SP, the company operates as a multi-line insurance intermediary serving individual consumers and small-to-medium businesses primarily in Southeast Brazil. The firm is led by founder Mauricio Prado, who brings 35 years of experience in the insurance and consortium sectors.

The company's product portfolio spans personal and commercial lines, including auto, motorcycle, truck, and fleet insurance; life, health, dental, and personal accident coverage; residential, travel, and business insurance; consortium administration; capitalization titles; and car subscription services through partnerships such as Porto Seguro's "Carro Fácil." Revenue is generated through brokerage commissions across its 20+ insurance carrier partnerships, supplemented by consortium management fees and capitalization title sales.

The go-to-market approach is direct-to-consumer, leveraging WhatsApp as a primary sales channel alongside a website with quote simulation tools. The firm operates with a lean team of 9 employees from a single office in Valinhos, SP, with no external funding, no M&A activity, and no inorganic growth to date.

Name

Life Prev Corretora De Seguros

Legal name

LifePrev Corretora de Seguros

Website

https://lifeprev.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

LifePrev Corretora de Seguros is a SUSEP-registered Brazilian insurance brokerage offering personal and commercial insurance, consortium, capitalization, and car subscription products to consumers and SMBs in Southeast Brazil via WhatsApp and online channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Valinhos

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology

Revenue model

1. Insurance Brokerage Commissions: LifePrev acts as an insurance broker earning commissions from partner insurance companies (Porto, Azul, Itaú, HDI, Allianz, Mapfre, Bradesco Seguros, Tokio, Generali, and others) for intermediating insurance policies including auto, life, health, residential, business, and specialty insurance products.
2. Consortium Management Fees: The company offers consortium products (auto, real estate, services) through partner administrators (HS Consórcios, Caixa Consórcio, Canopus, Creditas, Banco do Brasil Consórcio) and earns fees from facilitating these group purchasing plans.
3. Capitalization Title Sales: LifePrev offers capitalization titles for rental guarantees (PortoCap Aluguel) and earns commissions on these financial products that serve as rental security deposits while accumulating returns for the renter.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

LifePrev is a Brazilian insurance brokerage that intermediates auto, life, health, residential, business, and specialty insurance policies from more than 20 partner insurers and operators. The firm also facilitates consortium plans, private pension, rental capitalization titles, car subscription, and auto financing for individuals, families, and small-to-medium businesses across Brazil.

Product overview

LifePrev Corretora de Seguros is a comprehensive insurance brokerage firm offering a diverse portfolio of insurance and financial products through partnerships with major Brazilian insurers and operators. The company's product suite centers around vehicle insurance (auto, motorcycle, truck, fleet), life and health coverage (life, personal accident, health, dental, pet health, travel), property and business insurance (residential, condominium, business, civil liability, equipment), and financial products (private pension, consortium, car subscription, auto financing, rental bond). As a broker with partnerships across 15+ insurers including Porto Seguro, Allianz, Bradesco, SulAmérica, HDI, and others, the company provides personalized consultation services rather than a unified software platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Auto (Auto Insurance) Vehicle insurance providing coverage against collision, theft, fire, and third-party damages with 24-hour roadside assistance including towing, tire changes, and fuel support, brokered to Brazilian consumers and businesses through partner insurers.
• Seguro Moto (Motorcycle Insurance) Motorcycle insurance offering protection against theft, collision, fire, bodily injury, and material damages with 24-hour assistance services.
• Seguro Caminhão (Truck Insurance) Truck insurance covering collision, fire, theft, and facultative civil liability (RCF-V) for commercial vehicles.
• Seguro para Frota (Fleet Insurance) Fleet insurance for commercial vehicle fleets providing unified policy coverage for collision, fire, theft, third-party damages, personal accident, and 24-hour assistance.
• Rastreador com Seguro (GPS Tracker with Insurance) GPS tracker with integrated insurance providing real-time vehicle monitoring, 24/7 protection, and coverage against collision, theft, fire, and natural events.
• Seguro de Vida (Life Insurance) Life insurance offering death coverage (natural or accidental), disability benefits, illness anticipation, funeral assistance, and temporary incapacity daily allowances.
• Seguro Estagiário (Intern Accident Insurance) Mandatory accident insurance for interns as required by Brazilian Law 11.788/2008, covering death or permanent disability caused by accidents during the internship period.
• Seguro Acidentes Pessoais (Personal Accident Insurance) Personal accident insurance covering death and permanent disability (total or partial) caused solely by sudden, violent, immediate, and involuntary accidents, including medical treatment coverage.
• Seguro Viagem (Travel Insurance) Travel insurance with plans for domestic, South America, Europe, international, and top-tier coverage, including medical assistance, trip cancellation, baggage loss, and repatriation services.
• Planos de Saúde (Health Insurance Plans) Health insurance plans offering access to a network of healthcare professionals, hospitals, clinics, and laboratories with various coverage levels from basic to comprehensive.
• Planos Odontológicos (Dental Insurance Plans) Dental insurance plans with coverage for major specialties through an extensive network of clinics, hospitals, diagnostics, and specialized veterinarians.
• Plano Saúde Pet (Pet Health Insurance) Pet health insurance covering veterinary consultations, exams, hospitalizations, complex treatments, and vaccinations through a network of clinics and specialists.
• Previdência Privada (Private Pension) Private pension plans serving as financial planning tools for long-term income, with flexible contribution amounts and potential tax benefits.
• Seguro Residencial (Home Insurance) Home insurance covering fire, lightning, electrical damage, explosion, robbery, theft, with 24-hour assistance including electrician, plumber, and locksmith services.
• Seguro Condomínio (Condominium Insurance) Condominium insurance providing comprehensive coverage for residential, commercial, mixed-use, office, flat, and apart-hotel condominiums against fire, robbery, electrical damages, and other risks.
• Seguro Empresarial (Business Insurance) Business insurance protecting enterprises against fire, explosion, robbery, theft, civil liability, and legal expenses, with customizable coverage for small businesses to large corporations.
• Seguro Fiança Locatícia (Rental Bond Insurance) Rental bond insurance enabling tenants to rent property without guarantor or deposit, covering monthly rent, charges, property damage, painting, and emergency repairs.
• Seguro Responsabilidade Civil (Civil Liability Insurance) Civil liability insurance for businesses and professionals covering material and personal damages caused to third parties during business activities.
• Seguro para Equipamentos (Equipment Insurance) Heavy equipment insurance covering industrial machinery, diagnostic equipment, excavators, tractors, and agricultural implements against accidents, theft, fire, and third-party damages.
• Seguro para Portáteis (Portable Electronics Insurance) Portable electronics insurance for smartphones, tablets, laptops, cameras, and smartwatches covering theft, accidental damage, and unforeseen events.
• Título de Capitalização para Aluguel (Rental Capitalization Title) Capitalization title for rental serving as a rental guarantee where the tenant accumulates capital that is fully returned at the end of the contract, offered through Porto Cap.
• Consórcio (Consortium Plans) Consortium plans for automobiles, real estate, and services providing organized purchasing without excessive interest, with monthly contributions, raffles, and advance bidding options, facilitated through partner administrators including HS Consórcios, Caixa Consórcio, Canopus, Creditas, and Banco do Brasil Consórcio.
• Carro por Assinatura (Carro Fácil - Car Subscription) Car subscription service through Porto Seguro allowing users to have a new car annually without concerns about IPVA, documentation, insurance, or preventive maintenance.
• Financiamento Auto Porto (Porto Auto Financing) Auto financing through Porto Seguro enabling up to 100% financing for new or used vehicles with terms up to 60 months, simplified credit analysis, and competitive interest rates.

Quantifiable outcome

• Access to multiple insurance providers for comparison

Named customers3 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

19 partnerships are on record, tiered core.

• Porto SegurocoreChannel Partner/ Reseller/ DistributorMajor insurance partner offering auto, life, residential, and business insurance products. LifePrev also offers Porto's auto financing and car subscription (Carro Fácil) products through this partnership.
• Azul SeguroscoreChannel Partner/ Reseller/ DistributorInsurance partner providing various insurance products through LifePrev's brokerage services.
• ItaúcoreChannel Partner/ Reseller/ DistributorInsurance partner with products distributed through LifePrev's brokerage platform.
• HDI SeguroscoreChannel Partner/ Reseller/ DistributorInsurance partner offering coverage through LifePrev's brokerage services.
• Allianz SeguroscoreChannel Partner/ Reseller/ DistributorGlobal insurance company partner providing various insurance products via LifePrev's distribution network.
• MapfrecoreChannel Partner/ Reseller/ DistributorInternational insurance company partner offering coverage through LifePrev's brokerage services.
• Bradesco SeguroscoreChannel Partner/ Reseller/ DistributorMajor Brazilian insurance provider with products distributed through LifePrev.
• Tokio MarinecoreChannel Partner/ Reseller/ DistributorJapanese insurance company operating in Brazil, offering insurance products through LifePrev's brokerage.
• Generali BrasilcoreChannel Partner/ Reseller/ DistributorItalian global insurance group partner providing coverage via LifePrev.
• SulAméricacoreChannel Partner/ Reseller/ DistributorLeading Brazilian health and insurance company, partner for health, dental, and insurance products. LifePrev offers SulAmérica travel insurance through quote simulations.
• HS ConsórcioscoreChannel Partner/ Reseller/ DistributorConsortium administrator partner for auto, real estate, and services consortium products.
• Caixa ConsórciocoreChannel Partner/ Reseller/ DistributorGovernment-backed bank consortium administrator partner for group purchasing plans.
• Banco do Brasil ConsórciocoreChannel Partner/ Reseller/ DistributorState-owned bank consortium administrator offering auto, real estate, and services consortium products.
• AmilcoreChannel Partner/ Reseller/ DistributorMajor Brazilian health plan operator offering health and dental coverage through LifePrev.
• UnimedcoreChannel Partner/ Reseller/ DistributorBrazil's largest health cooperative network offering health plans through LifePrev's distribution.
• Bradesco SaúdecoreChannel Partner/ Reseller/ DistributorMajor health insurance provider from Bradesco group, offering corporate and individual health plans.
• OdontoPrevcoreChannel Partner/ Reseller/ DistributorSpecialized dental plan operator offering coverage through LifePrev's brokerage services.
• Prevent SêniorcoreChannel Partner/ Reseller/ DistributorHealth plan operator focused on senior care, partner for health insurance distribution.
• Notre Dame IntermédicacoreChannel Partner/ Reseller/ DistributorHealth plan operator offering medical and hospital coverage through LifePrev.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Justos: Justos is a Brazilian insurtech starting with auto insurance and expanding into other lines via a data-driven underwriting approach. Comparable to LifePrev in the auto insurance segment for Brazilian consumers, though Justos operates its own MGA rather than pure brokerage.
• Pier: Pier is a Brazilian digital insurance broker for auto and other consumer lines, intermediating policies from multiple insurers through a mobile-first platform. Directly comparable to LifePrev's auto and consumer insurance brokerage model.
• 180 Seguros: 180 Seguros is a Brazilian digital insurance broker offering multi-line coverage with online quote comparison across multiple carriers. Comparable to LifePrev as a multi-carrier broker, differentiated by a pure-digital UX and venture-backed scale.
• Wiz Soluções: Wiz is one of the largest independent insurance brokerage platforms in Brazil, intermediating multi-line products across dozens of carriers for individuals and businesses. Directly comparable to LifePrev in business model (multi-carrier broker earning commissions), with substantially greater scale and digital infrastructure.

Broad incumbents

• SulAmérica: SulAmérica is a leading Brazilian health and insurance company offering health, dental, auto, life, and travel insurance. Directly comparable as a supplier of multiple product lines LifePrev intermediates, particularly health, dental, and travel.
• Tokio Marine: Tokio Marine is a major global insurer with a large Brazilian operation offering auto, property, and specialty lines. Comparable as a supplier of products LifePrev distributes through its brokerage.
• Porto Seguro: Porto Seguro is one of Brazil's largest insurance carriers, offering auto, life, residential, health, and financial products. Comparable as a broad incumbent in the same product categories LifePrev distributes, and also a key carrier partner of LifePrev.
• Bradesco Seguros: Bradesco Seguros is a major Brazilian insurance group offering life, health, auto, and property products through captive and broker channels. Comparable to LifePrev's product portfolio and is also a carrier partner on LifePrev's platform.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/life-prev-corretora-de-seguros

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 Life Prev Corretora De Seguros