MDS Corretora de Seguros

What MDS Corretora de Seguros does

MDS Corretora de Seguros, operating under the legal name Mara Denise Corretora de Seguros, is a privately held insurance brokerage founded more than 25 years ago and headquartered in Campo Limpo Paulista, São Paulo, Brazil. The firm operates as a multi-carrier intermediary, distributing insurance and financial products from twelve authorized partners—Porto Seguro, Azul, Suhai, Sompo, Mapfre, Allianz, Bradesco, Sul América, Tokio Marine, Liberty, Aliro, and Zurich—with Porto Seguro serving as the anchor supplier. Its catalog spans auto (including specialized segments such as young drivers, women, seniors, taxi, truck, and premium vehicles), life (individual, group, business, and simplified), residential (standard, premium, apartment, vacation, condominium), health and dental, portable electronics, agricultural, transport, and occupational health lines, alongside financial services such as property and vehicle consortiums, vehicle financing, consigned credit, vehicle-collateralized loans, working capital, Porto Seguro credit cards, and private pension plans.

The business runs on a traditional brokerage model with no proprietary technology platform: customer acquisition is driven by a website with online proposal forms, telephone and WhatsApp contact, in-person consultations at the Campo Limpo Paulista office, and a small Facebook presence. Revenue is generated through carrier commissions on policy sales and renewals, with pricing quote-based and undisclosed. The firm is founder-owned and operated by Mara Denise, supported by a team of approximately seven people, and serves individual consumers, families, and small-to-medium businesses primarily in São Paulo state. There is no public funding, no M&A activity, and no disclosed financial metrics, consistent with a mature micro-brokerage that has operated continuously in a single local market for over two decades.

Name

MDS Corretora de Seguros

Legal name

Mara Denise Corretora de Seguros

Website

https://mdsseguros.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

MDS Corretora de Seguros is a privately held Brazilian insurance brokerage in Campo Limpo Paulista, São Paulo, distributing auto, life, residential, health, and financial products from twelve carriers—anchored by Porto Seguro—to individuals, families, and small businesses across São Paulo state.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Auto insurance products
• Life insurance coverage
• Home insurance policies
• Insurance consulting services

Headquarters

HQ city

Campo Limpo Paulista

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commission Revenue: The brokerage earns commissions from insurance product sales sourced from multiple insurance carriers including Porto Seguro, Azul, Suhai, Sompo, Mapfre, Allianz, Bradesco, Sul América, Tokio Marine, Liberty, Aliro, and Zurich. Revenue is generated through sales of various insurance policies including auto, residential, life, health, and financial products.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

MDS Corretora de Seguros is an independent insurance brokerage that distributes insurance and financial products from multiple major Brazilian carriers to individual consumers, families, and small-to-medium businesses. Core offerings include auto, life, residential, health, dental, equipment, agricultural, and transport insurance, as well as vehicle financing, credit, consortiums, and pension plans. The brokerage operates as a consultant matching customers to carrier products rather than underwriting policies itself.

Product overview

MDS Corretora de Seguros is an insurance brokerage firm with over 25 years of experience operating in Campo Limpo Paulista, Brazil. The company offers a comprehensive portfolio of insurance products and financial services distributed across multiple categories: auto insurance (including Auto, Auto Premium, Auto Empresarial, Auto Jovem, Auto Mulher, Auto Sênior, Táxi, and Caminhão variants), life insurance (Individual, Grupo, Empresarial, Vida Mais Mulher, Vida On), residential insurance (Habitual, Premium, Apartamentos, Fácil, Veraneio, and Condomínio), health and dental insurance, portable equipment insurance (Notebook, Tablet, Smartphone, Câmera Fotográfica, Filmadora), agricultural insurance (Grãos, Horta, Pomar), and transport insurance. Financial services include vehicle financing, property and vehicle consortiums, consigned credit, vehicle-secured loans, working capital loans, credit cards, and pension plans. The company distributes products from major insurers including Porto Seguro, Azul, Suhai, Sompo, Mapfre, Allianz, Bradesco, Sul América, Tokio Marine, Liberty, Aliro, and Zurich. The Porto Faz service module provides home repair and maintenance services to both insured and non-insured customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Seguro Auto) Auto insurance with customizable coverage options including collision, fire, theft, third-party liability, and passenger protection, with optional add-ons such as extra car, windshield protection, and roadside assistance. Targeted at individual vehicle owners.
• Auto Premium Insurance (Seguro Auto Premium) Exclusive auto insurance for high-value vehicles starting at R$ 150,000, featuring concierge service, VIP notary assistance, premium workshop network, and up to 1-year 0km replacement coverage. Targeted at owners of high-value vehicles.
• Business Auto Insurance (Seguro Auto Empresarial) Auto insurance designed for company vehicles, covering fire, theft, collision, third-party damages, passengers, Carta Verde, glass protection, and offering unlimited km roadside assistance. Targeted at small and medium businesses.
• Young Driver Auto Insurance (Seguro Auto Jovem) Auto insurance for young drivers aged 18-24, featuring 15-day courtesy car, franchise discounts, free Motorista da Vez service, and the exclusive Trânsito+Gentil reward program. Targeted at young drivers aged 18-24.
• Women Driver Auto Insurance (Seguro Auto Mulher) Auto insurance designed for women drivers, including child seat replacement, complimentary pickup and delivery service, and special discounts on gym, pet, bike, and home services. Targeted at women drivers.
• Senior Driver Auto Insurance (Seguro Auto Sênior) Auto insurance for drivers aged 60+, offering 20% franchise discount, home installation services, electronics setup, and comprehensive coverage including credit for mobility apps. Targeted at drivers aged 60 and older.
• Taxi Driver Auto Insurance (Seguro Táxi) Specialized auto insurance for taxi drivers, featuring free brake pad and oil filter replacements, courtesy car or mobility app credits up to 30 days, and additional maintenance benefits. Targeted at professional taxi drivers.
• Truck Insurance (Seguro para Caminhão) Truck insurance covering fire, theft, mechanical failures, fuel assistance, tire changes, battery service, and home repair services, with up to 6-month 0km replacement guarantee. Targeted at truck owners and operators.
• Vehicle Financing (Financiamento de Veículos) Vehicle financing up to 100% of vehicle value and 60 months, with personalized rates, free inspection and notary fees, and optional credit life insurance. Targeted at individual vehicle buyers.
• Women's Life Insurance (Seguro de Vida Mais Mulher) Life insurance for women providing cancer diagnosis indemnity, travel assistance, monthly R$12,000 lottery draws, home emergency services, and second medical opinion. Targeted at women seeking specialized life coverage.
• Life Insurance (Seguro de Vida) Life insurance providing death and accident indemnification for individuals, professionals, and small-to-medium business employees, bundled with wellness program and cultural event discounts. Targeted at individuals, professionals, and SMB employees.
• Individual Life Insurance (Seguro de Vida Individual) Individual life insurance covering ages 16-64 with capitals from R$20,000 to R$2 million, featuring partner discounts, travel assistance, and R$12,000 monthly lotteries. Targeted at individuals aged 16-64.
• Group Life Insurance (Seguro de Vida em Grupo) Group life insurance covering double accidental death, special disease advance, medical expenses, funeral assistance, spouse/children coverage, and total/partial permanent disability. Targeted at groups and employers purchasing employee benefits.
• Business Life Insurance (Seguro de Vida Empresarial) Business life insurance for all company types covering natural/acidental death, funeral assistance, medical expenses, basket of goods, spouse/children inclusion, and income tax deductibility. Targeted at small and medium businesses.
• Simple Life Insurance (Seguro Vida On) Simple life insurance starting at R$4.00/month for ages 16-64, with capitals from R$10,000 to R$200,000, no health questionnaire required, and immediate expense coverage of R$1,000. Targeted at individuals seeking low-cost life coverage.
• Standard Home Insurance (Seguro Residencial Habitual) Home insurance covering fire, electrical damage, vehicle impact, storms, glass breakage, civil liability, theft, home office, rent loss, collapse, and pipe leaks for primary and vacation homes. Targeted at homeowners of primary and vacation residences.
• Premium Home Insurance (Seguro Residencial Premium) Premium home insurance for high-value properties offering exclusive coverage for jewelry, watches, art, garden damage, collector vehicles, collector vehicle assistance, bike assistance, and pet boarding. Targeted at owners of high-value properties.
• Apartment Insurance (Seguro Residencial Apartamentos) Apartment insurance covering fire, explosion, smoke, aircraft impact, electrical damage, glass breakage, installations, pipe leaks, flooding, funeral assistance, third-party liability, collapse, and vehicle impact. Targeted at apartment owners.
• Simplified Home Insurance (Seguro Residencial Fácil) Simplified low-cost home insurance covering fire and explosion with optional rent loss, civil liability, and theft coverage, available for masonry residences nationwide. Targeted at homeowners seeking basic, low-cost coverage.
• Vacation Home Insurance (Seguro Residencial Veraneio) Vacation home insurance covering fire, explosions, smoke, vehicle impact, storms, hail, theft, glass breakage, with special restaurant and theater discounts. Targeted at owners of vacation/seasonal properties.
• Condominium Insurance (Seguro Condomínio) Condominium insurance for vertical, commercial, mixed, office, flat, apart-hotel, and horizontal residential condominiums, covering the building, syndicate, staff, and offering free emergency services. Targeted at condominium syndicates and managers.
• Rental Guarantee Insurance (Seguro Fiança Locatícia) Rental guarantee insurance replacing traditional guarantors and deposits, covering rent, condo fees, IPTU, painting, contract termination fees, utilities, and gas with free emergency maintenance. Targeted at tenants and landlords.
• Real Estate Consortium (Consórcio de Imóvel) Real estate consortium with credits from R$50,000 to R$400,000, monthly installments from R$347.56 without interest, up to 200 months, with FGTS utilization and three lance options. Targeted at individuals seeking to acquire real estate.
• Vehicle Consortium (Consórcio de Veículo) Vehicle consortium for cars, trucks, and vans with credits from R$25,000 to R$130,000, payment terms up to 80 months, and lance options for early credit access. Targeted at individuals seeking to acquire vehicles.
• Consigned Credit (Crédito Consignado) Consigned credit for companies with 300+ CLT employees, offering lower interest rates, payroll deduction, no company cost, and flexible credit analysis. Targeted at employees of larger companies and the companies facilitating payroll deduction.
• Vehicle-Secured Loan (Empréstimo com Garantia de Veículo) Secured loan using vehicle as collateral, with up to 60-month terms, rates lower than other credit types, online contracting, and no inspection required for Porto or Azul insured vehicles. Targeted at vehicle owners seeking lower-rate credit.
• Working Capital Loan (Empréstimo para Capital de Giro) Working capital credit line for legal entities, limited to R$30,000 with 30-month repayment term, competitive rates, and no need to prove credit direction. Targeted at small businesses needing working capital.
• Corporate Health Insurance (Seguro Saúde) Corporate health insurance with ambulatory, hospital, and obstetric coverage, offering extensive provider network, pharmacy and gym discounts, travel assistance, and personalized benefits management. Targeted at companies providing employee health benefits.
• Dental Insurance (Seguro Odontológico) Dental insurance with national provider network, pharmacy and gym discounts, travel assistance, 24-hour customer service, and reimbursement for all plans with optional or mandatory enrollment. Targeted at individuals and companies seeking dental coverage.
• Occupational Health and Safety Solution (Seguro Saúde Ocupacional) Occupational health and safety management solution reducing workplace accidents, occupational diseases, absenteeism, and increasing productivity. Targeted at companies seeking to manage occupational health and safety compliance.
• Real Estate Brokerage Insurance (Seguro Imobiliária) Real estate insurance protecting residential and commercial properties from fire, explosion, vehicle impact, storms, electrical damage, and riots, with 24-hour emergency services. Targeted at real estate companies and property managers.
• Grain Insurance (Seguro Grãos) Grain insurance for corn, soybean, and wheat crops covering hail, fire, lightning, excessive temperature, water, strong winds, frost, drought, and non-germination. Targeted at grain crop farmers.
• Market Garden Insurance (Seguro Horta) Market garden insurance covering hail damage and commercial devaluation for garlic, onion, tomato, eggplant, and cucumber crops with 6-month coverage. Targeted at market garden produce farmers.
• Orchard Insurance (Seguro Pomar) Orchard insurance covering plum, atemoya, persimmon, citrus, fig, apple, mango, guava, nectarine, pear, peach, and grape crops against hail damage. Targeted at orchard farmers.
• Collective Conventions Insurance (Seguro para Convenções Coletivas) Collective conventions insurance covering construction workers, condominiums, bars, restaurants, and teachers with accident, life, and disability coverage. Targeted at employers and unions required to provide collective convention coverage.
• School Accident Insurance (Seguro de Acidentes Pessoais Escolar) School accident insurance providing student protection during activities inside and outside the educational institution, including transport for injuries and medical expense advances abroad. Targeted at schools and educational institutions.
• Shipper Transport Insurance (Seguro Transportes Embarcador) Shipper transport insurance offering cargo coverage combinations for industry, commerce, and service sectors in road or air transport with competitive pricing. Targeted at shippers and cargo owners.
• International Transport Insurance (Seguro Transporte Internacional) International transport insurance for export and import via air, waterway, or land with over 40 coverage options and payment in Brazilian reais. Targeted at importers and exporters.
• Simplified Transport Insurance (Seguro Transportes Mais Simples) Simplified transport insurance with rates based on cargo segment rather than origin/destination, offering installment payment and free towing assistance up to 200km. Targeted at small transport companies and cargo movers.
• Notebook Insurance (Seguro para Notebook) Notebook insurance providing equipment replacement for damage or theft, addressing the device's market leadership in Brazil according to Cetic.br research. Targeted at notebook owners.
• Tablet Insurance (Seguro para Tablet) Tablet insurance covering damage or theft replacement, with plans adapted to device value allowing personalized pricing per customer. Targeted at tablet owners.
• Smartphone Insurance (Seguro Celular) Smartphone insurance covering physical damage, theft with obstacles, electrical damage, and international warranty, with minimum device value of R$500 and maximum 1-year usage. Targeted at smartphone owners.
• Photography Equipment Insurance (Seguro para Câmera Fotográfica) Photography equipment insurance covering cameras, lenses, tripods, flashes, and accessories against damage or theft with replacement coverage. Targeted at photographers and camera equipment owners.
• Camcorder Insurance (Seguro para Filmadora) Camcorder insurance providing equipment replacement for damage or theft, covering both the device and separately purchased accessories. Targeted at camcorder owners and videographers.
• Portable Equipment Insurance (Seguro Equipamentos Portáteis) Portable equipment insurance covering smartphones, smartwatches, tablets, notebooks, cameras, and camcorders against fire, lightning, explosion, and vehicle impact. Targeted at owners of multiple portable electronic devices.
• Pet Health Insurance (Petlove Saúde) Pet health insurance through Petlove partnership offering veterinary consultations, exams, hospitalizations, surgeries, home care, and partner discounts on medications. Targeted at pet owners seeking veterinary coverage.
• Porto Seguro Credit Cards (Cartão de Crédito Porto Seguro) Porto Bank credit cards including Visa Infinite, Gold, Platinum, and MasterCard Black with points accelerators, travel benefits, Priority Pass lounges, and auto insurance discounts. Targeted at individual consumers seeking premium credit cards.
• Private Pension Plans (Previdência) Private pension plans including individual, child, and corporate options for 3-400 participants, offering flexible contributions and investment funds matching different risk profiles. Targeted at individuals and companies seeking retirement planning solutions.
• Certified Pre-Owned Vehicles (Carros Seminovos) Certified pre-owned vehicles up to 2 years old with low mileage, single owner, no accident history, 6-month engine and transmission warranty, and full inspection with current CAUTIVE report. Targeted at individuals seeking certified used vehicles.

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

Twelve partnerships are on record, tiered core and minor.

• Porto SegurocoreChannel Partner/ Reseller/ DistributorPrimary insurance carrier partner offering a comprehensive range of insurance products including auto, residential, life, health, and financial services. MDS Corretora represents Porto Seguro as an authorized distributor of their insurance products.
• AzulcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto insurance and related products. MDS Corretora distributes Azul insurance products to their customer base.
• SuhaiminorChannel Partner/ Reseller/ DistributorInsurance carrier partner for auto insurance products distributed through MDS Corretora.
• SompominorChannel Partner/ Reseller/ DistributorInternational insurance carrier partner offering various insurance products distributed through the brokerage.
• MapfreminorChannel Partner/ Reseller/ DistributorGlobal insurance carrier partner represented by MDS Corretora for various insurance product lines.
• AllianzminorChannel Partner/ Reseller/ DistributorInternational insurance carrier partner offering insurance products distributed through the brokerage.
• BradescominorChannel Partner/ Reseller/ DistributorMajor Brazilian financial group insurance subsidiary represented by MDS Corretora.
• Sul AméricaminorChannel Partner/ Reseller/ DistributorMajor Brazilian insurance carrier offering health and other insurance products distributed through the brokerage.
• Tokio MarineminorChannel Partner/ Reseller/ DistributorJapanese insurance carrier partner offering various insurance products in Brazil through MDS Corretora.
• LibertyminorChannel Partner/ Reseller/ DistributorInsurance carrier partner for auto and other insurance products distributed through the brokerage.
• AlirominorChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by MDS Corretora.
• ZurichminorChannel Partner/ Reseller/ DistributorGlobal insurance carrier partner offering various insurance products distributed through the brokerage.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Bidu Corretora de Seguros: Online Brazilian insurance broker comparing quotes across multiple carriers for auto, residential, life and other personal lines. Directly comparable as a multi-carrier retail brokerage serving Brazilian individual consumers.
• 180 Seguros: Brazilian digital insurance brokerage distributing auto, home, life and other personal lines from multiple carriers. Directly comparable as a multi-carrier retail broker targeting Brazilian consumers, with a tech-enabled model that contrasts with MDS' relationship-driven approach.

Broad incumbents

• Mapfre Brasil: Brazilian subsidiary of global insurer Mapfre and one of MDS' carrier partners. Comparable as an established insurance carrier distributing through independent brokers like MDS and reaching the same southeast-Brazil retail and SMB segments.
• SulAmérica Seguros: Major Brazilian insurance carrier focused on health, life, auto and P&C, and one of MDS' carrier partners. Comparable as an incumbent insurer whose own distribution channels and broker relationships compete for the same southeast-Brazil customer pool.
• Bradesco Seguros: Insurance arm of Bradesco financial group and one of MDS' carrier partners. Comparable as a major Brazilian insurance distributor with significant retail-brokerage-like distribution competing for the same personal and small-business customers.
• Tokio Marine Brasil: Brazilian subsidiary of Japanese insurer Tokio Marine and one of MDS' carrier partners. Comparable as an incumbent carrier whose multi-line distribution network addresses the same auto, residential and life customers that MDS serves.
• Porto Seguro: Major Brazilian insurance carrier that is MDS' core strategic partner and product originator for most of its flagship lines. Comparable because Porto Seguro's own broker channel and direct-to-consumer portal compete for the same personal-lines customers that MDS serves.
• Allianz Brasil: Brazilian arm of global insurer Allianz and one of MDS' carrier partners. Comparable as an incumbent insurer whose products MDS distributes and whose own broker network addresses overlapping personal and commercial customers.

Emerging players

• Justos: Brazilian insurtech that distributes auto insurance with a digital, app-driven experience. Comparable as a new-entrant personal-lines distribution channel competing for the same end customers as MDS in Brazil's southeast.

Regional players

• Picmoney Corretora: Independent Brazilian insurance brokerage focused on personal lines including auto, residential and life. Comparable as an independent retail brokerage distributing multi-carrier products to Brazilian consumers, with overlap in target use cases.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/mds-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 MDS Corretora de Seguros