Tudo Seguro Corretora de Seguros

What Tudo Seguro Corretora de Seguros does

Tudo Seguro Corretora de Seguros is a Brazilian insurance brokerage founded on June 19, 2000, and headquartered in Cacoal, Rondônia. The company functions as an intermediary connecting clients with a broad roster of insurance carriers — including Porto Seguro, Allianz, HDI, Icatu, Tokio Marine, Zurich, SulAmérica, MetLife, Bradesco, and Capemisa — rather than underwriting its own products. Its portfolio spans professional liability (RC Médica, RC Dentistas, RC Multiprofissionais), personal lines (auto, residential, life, personal accident, family funeral assistance), commercial lines (business, equipment, contractual guarantee), private pension (PGBL/VGBL, children's pension, OABPrev), consortium plans, dental plans, and a niche cyclist accident product (Amigos do Pedal). Pricing is predominantly quote-based with risk-adjusted premiums, though a few standardized products carry fixed subscription pricing (e.g., R$239/year cyclist insurance, R$29.90/month family assistance).

The company operates nationally from its Rondônia base, with distribution through three concurrent GTM motions: consultative sales via WhatsApp and field for enterprise and individual clients, exclusive channel partnerships with professional associations (CRO-RO, CRO-AM, OABPrev RO, CAARO) that grant category-wide access to dentists and lawyers, and direct self-serve online purchase links embedded into partner carrier platforms (Porto Seguro, Affinity, SulAmérica Odonto). It is owned and operated by a married couple, Elizeu Dias dos Santos and Daiane Cristina Ribeiro dos Santos, with roughly seven total staff, and is SUSEP-registered (No. 202008408) for nationwide operation. No proprietary technology platform underpins the brokerage — workflows run on standard web, WhatsApp, and CRM-light practices typical of small Brazilian corretoras.

Revenue derives from commissions paid by partner insurers on placed business across the multi-product portfolio. The company has exhibited incremental product and partnership expansion (the 2012 pivot from auto-only into employee benefits, the 2015 healthcare-professional specialization, the subsequent CRO-AM geographic extension, and the Zênite legal-advisory partnership), but operates without external funding and at a stable headcount, consistent with a mature, founder-owned regional brokerage rather than a scaling venture.

Name

Tudo Seguro Corretora de Seguros

Legal name

Tudo Seguro Corretora de Seguros

Website

https://tudosegurocorretora.com.br

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Tudo Seguro Corretora de Seguros is a Cacoal, Rondônia-based insurance brokerage founded in 2000 that connects Brazilian individuals, healthcare professionals, and enterprises with multiple insurance carriers across professional liability, personal, commercial, and pension lines.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAJ

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

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

Keywords

• Insurance brokerage services
• Professional liability insurance
• Personal insurance products
• Business insurance solutions
• Private pension plans

Headquarters

HQ city

Cacoal

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commissions: The company earns commissions from insurance policy sales across multiple insurance categories including auto, life, professional liability, residential, business, bike, dental, and more. Commissions are paid by insurance companies (partner insurers) on placed business.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Tudo Seguro Corretora de Seguros is a multi-carrier insurance brokerage intermediating between clients and partner insurers (Porto Seguro, Allianz, Zurich, SulAmérica, Bradesco, MetLife, Tokio Marine, HDI, Icatu, and others). It places personal, professional, business, and pension/financial products on behalf of individuals, healthcare professionals, liberal professionals, and enterprises across Brazil. Revenue is generated through commissions paid by partner insurers on placed policies.

Product overview

Tudo Seguro Corretora de Seguros operates as a comprehensive insurance brokerage platform offering a diverse portfolio of insurance, pension, and financial products. The company functions as an insurance broker intermediary, connecting clients with multiple insurance providers (including Allianz, Porto Seguro, Bradesco, SulAmérica, Zurich, and others) to offer personalized coverage solutions. The core product offerings include professional liability insurance (RC Profissional) for doctors, dentists, and other liberal professionals; personal insurance products including auto, home, life, and personal accident coverage; business insurance for enterprises; and financial products including private pension plans (PGBL/VGBL), children's pension, consortium plans, and dental plans. The company specializes in serving healthcare professionals and offers exclusive agreements with professional associations like CRO-RO and OABPrev RO. The portfolio architecture is organized around a multi-provider brokerage model where the company acts as an intermediary aggregating multiple insurance carriers rather than underwriting its own products.

Differentiator

Problem solved

Functional benefit

Brands

• Seguro Ciclista Amigos do Pedal: Exclusive collective adhesion insurance product for cyclists providing coverage against accidents while cycling, with national coverage.

Products and services

• RC Médicos (Professional Liability Insurance for Doctors)

Quantifiable outcome

• Comprehensive coverage for healthcare professionals including 365 days of income replacement for disability (DIT)
• +2 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core and minor.

• Porto SegurocoreChannel Partner/ Reseller/ DistributorMajor insurance partner providing auto, life, travel, and portable equipment insurance products. Tudo Seguro acts as reseller for Porto Seguro products with dedicated online purchase links and exclusive campaign codes.
• AllianzcoreChannel Partner/ Reseller/ DistributorPartner insurance company providing various insurance products. Mentioned among the insurance company logos displayed on the main website.
• HDI SeguroscoreChannel Partner/ Reseller/ DistributorPartner insurance company mentioned among displayed insurer logos on the company website.
• Icatu SeguroscoreChannel Partner/ Reseller/ DistributorPartner insurance company mentioned among displayed insurer logos.
• Tokio MarinecoreChannel Partner/ Reseller/ DistributorPartner insurance company mentioned among displayed insurer logos.
• ZurichcoreChannel Partner/ Reseller/ DistributorPartner insurance company for Assistance Familiar product and mentioned among displayed insurer logos.
• SulAméricacoreChannel Partner/ Reseller/ DistributorPartner insurance company for dental plans and mentioned among displayed insurer logos.
• Affinity (Seguro Viagem)coreChannel Partner/ Reseller/ DistributorPartner for travel insurance products with dedicated online purchase link through Affinity platform.
• MetLifecoreChannel Partner/ Reseller/ DistributorPartner insurance company mentioned among displayed insurer logos.
• Bradesco SeguroscoreChannel Partner/ Reseller/ DistributorPartner insurance company mentioned among displayed insurer logos.
• CRO-RO (Conselho Regional de Odontologia de Rondônia)coreStrategic or Co-development PartnerExclusive partnership offering customized insurance solutions for dental professionals in Rondônia including professional liability, DIT, vehicle, residence, clinic, and invalidity insurance. Also includes accounting consultancy and financial check-up services.
• OABPrev RO (Ordem dos Advogados do Brasil - Rondônia)coreStrategic or Co-development PartnerPartnership offering OABPrev pension plans specifically designed for lawyers in Rondônia. Provides retirement, disability, and pension benefits for lawyers and their dependents.
• CAARO (Caixa de Assistência dos Advogados de Rondônia)coreStrategic or Co-development PartnerPartnership offering 10% discount on professional liability insurance for lawyers. Joint initiative with OAB-RO as institutional creators of the OABPrev pension plan.
• CRO-AM (Conselho Regional de Odontologia do Amazonas)coreStrategic or Co-development PartnerPartnership for offering customized insurance solutions for dental professionals in Amazonas state, similar to CRO-RO partnership.
• Zênite (Legal Advisory)coreTechnology or IntegrationLegal advisory partnership providing 24/7 legal support line (0800 772 1117) for healthcare professionals. Team includes lawyers, doctors, dentists, and experts offering preventive, reactive, prognostic, and strategic legal guidance.
• Associação Amigos do PedalminorChannel Partner/ Reseller/ DistributorAssociation partnership for the 'Seguro Amigos do Pedal' cyclist insurance product. Cyclists must be members of the association to access the insurance coverage.
• SulAmérica OdontocoreChannel Partner/ Reseller/ DistributorDental plan platform partnership for online simulation and enrollment of SulAmérica dental plans with national coverage.
• Dental NorteminorOthersCommercial partner for insurance product distribution in Cacoal region, mentioned in testimonial from Dental Norte's Commercial Manager.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Tokio Marine Brasil: Major Brazilian P&C, life and specialty insurer with direct and broker distribution. Comparable as a carrier partner of Tudo Seguro and as a competitor for auto, business and professional liability customers.
• SulAmérica: Major Brazilian health, dental, life and P&C insurer with its own brokerage and direct distribution. Comparable to Tudo Seguro as both a partner carrier (SulAmérica Odonto) and a competing distribution channel for individual, family and SME customers.
• Allianz Brasil: Global insurer with a significant Brazilian presence across auto, life, health and commercial lines. Comparable to Tudo Seguro as a carrier partner and a competitor in the same personal and SME insurance categories.
• Icatu Seguros: Brazilian specialist in life insurance, private pension (PGBL/VGBL) and capitalization, with strong broker-channel distribution. Comparable to Tudo Seguro as both a partner carrier for pension products and a competitor in life and pension placement.
• Bradesco Seguros: Bank-anchored Brazilian insurance giant offering life, health, dental, auto and P&C products with direct and bancassurance distribution. Comparable to Tudo Seguro across overlapping personal and SME lines and as a carrier partner.
• Zurich Brasil: Large Brazilian insurer providing P&C, life, and assistance products (including the Família assistance product placed via Tudo Seguro). Comparable as a partner carrier and broader competitor in personal and SME lines.
• Porto Seguro: Brazil's largest composite insurance carrier and broker, offering auto, life, home, health and equipment products directly to consumers as well as through partner brokers. Comparable to Tudo Seguro as a competitor for end customers and as a supplier of products Tudo Seguro resells via online purchase links.
• MetLife Brasil: Major life, accident and group benefits insurer with significant SME and corporate distribution. Comparable to Tudo Seguro as a carrier partner and a competitor for life and group benefits business.

Emerging players

• 180 Seguros: Brazilian digital insurance broker and microinsurance provider offering travel, life and consumer products online. Comparable to Tudo Seguro as a digital-first broker targeting overlapping customer segments (cyclists, travelers, individuals) with a self-serve model that bypasses traditional brokers.
• Justos: Brazilian insurtech selling auto insurance direct-to-consumer with a digital-first model. Comparable to Tudo Seguro because it targets the same Brazilian personal-lines customers with a lower-cost structure that pressures broker commissions and threatens traditional brokerage models.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/tudoseguro
• LinkedInlinkedin.com/company/tudo-seguro-corretora-de-seguros

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Tudo Seguro Corretora de Seguros