YELO Seguros & Consórcios

What YELO Seguros & Consórcios does

YELO Seguros & Consórcios, operating under the legal entity YELO Corretora de Seguros Ltda (CNPJ 08.713.516/0001-95), is a privately held Brazilian insurance brokerage (corretora de seguros) founded in 2007 and headquartered in Resende, Rio de Janeiro. The company holds SUSEP registration (n.º 202004095) and is LGPD-compliant, operating under the tagline 'Mais do que TER Seguro é ESTAR Protegido' (More than HAVING Insurance is BEING Protected). YELO acts as an intermediary between customers and insurance companies, providing free, no-obligation multi-insurer comparison across 26+ partner carriers including Porto Seguro, Azul, Itaú, Allianz, Tokio Marine, Bradesco, Mapfre, SulAmérica, Amil, Porto Seguro Saúde, and Unimed.

The product portfolio spans consumer lines (auto, motorcycle, truck, health, life, travel, residential), commercial/SMB lines (business, condominium, school, portable equipment), and complex corporate risks (engineering risk, civil liability/D&O, guarantee bonds, rental guarantee). The flagship offering is corporate health insurance brokerage (plano de saúde empresarial) targeting businesses from MEI through large corporates, supplemented by interest-free Consórcios (consortium) intermediation for vehicles, real estate, and equipment. Distribution is sales-led and multi-channel: toll-free 0800 number, dedicated WhatsApp (0800 100 5002), website quote forms, walk-in at the Resende headquarters, and active social media presence (YouTube, Instagram, Facebook, LinkedIn) plus an educational blog covering 17+ insurance topic categories.

The business model is commission-based, with YELO earning a percentage of premiums from partner insurers on placed policies plus referral/intermediation fees on consortium products. Revenue is recurring given annual policy renewals, though no financial figures are publicly disclosed. Geographic scope is nationwide under SUSEP licensing but operationally concentrated in the Sul Fluminense, Norte Fluminense, Região Serrana, and Região dos Lagos regions of Rio de Janeiro state. The team is notably small at 6 employees, reflecting a boutique brokerage model rather than scaled national operation. Reputation metrics — 330+ positive Google reviews, 100% Reclame Aqui approval, and zero recorded legal actions — anchor the company's brand positioning in the regional market.

Name

YELO Seguros & Consórcios

Legal name

YELO Corretora de Seguros Ltda

Website

https://yeloseguros.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

YELO Seguros & Consórcios is a SUSEP-licensed Brazilian insurance brokerage headquartered in Resende, Rio de Janeiro, intermediating auto, health, life, property, and commercial policies across 26+ partner insurers for consumers and businesses in Rio de Janeiro state.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Real Estate / Lessors Risk BOP (FSAJAFAI)

Keywords

• Insurance brokerage services
• Multi-insurer comparison
• Corporate health insurance
• Auto insurance brokerage
• Consortium intermediation

Headquarters

HQ city

Resende

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 or R&D

Revenue model

1. Insurance brokerage commissions: YELO earns commissions from insurance companies (seguradoras) for placing and managing insurance policies. As a licensed corretora de seguros, they receive a percentage of policy premiums from partner insurers. Revenue is recurring as policies are renewed annually.
2. Consortium intermediation: YELO facilitates consortium (consórcio) products — planned purchase groups for vehicles, real estate, and equipment — earning referral or intermediation fees from consortium administrators.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

YELO operates as a SUSEP-licensed insurance brokerage (Corretora de Seguros) intermediating policies across 26+ partner insurers for individual consumers and businesses. The firm offers free, no-obligation comparison quotes for auto, health, life, travel, residential, business, condominium, civil liability, engineering risk, guarantee, rental guarantee, portable equipment, and school insurance, plus consortium services for vehicles, real estate, and equipment. Its core focus is corporate health plans (plano de saúde empresarial) for businesses with 2+ lives.

Product overview

YELO Seguros & Consórcios is a diversified insurance brokerage firm operating throughout Brazil with a focus on the Sul Fluminense, Norte Fluminense, Serrana, and Região dos Lagos regions of Rio de Janeiro state. The company offers a comprehensive portfolio of insurance and consortium products positioned as a single-point brokerage that works with multiple partner insurers to find optimal coverage at competitive pricing. The core product is business health insurance (plano de saúde empresarial) targeting MEI, small businesses with 2+ employees, and large corporations through partnerships with major operators including Bradesco Saúde, SulAmérica, Amil, Porto Seguro Saúde, Unimed, and Prevent Senior. The product suite spans vehicle insurance (auto, motorcycle, truck), personal lines (health, life, travel, residential), commercial lines (business, condominium, civil liability, engineering risk, guarantee bonds, rental guarantee, school insurance), and consortium services for vehicles, real estate, and equipment. The company emphasizes free quotation comparison across partner insurers, with a tagline of 'Mais do que TER Seguro é ESTAR Protegido' (More than HAVING Insurance is BEING Protected). YELO operates as an intermediary between customers and insurance companies, handling quotation, contracting, and ongoing policy management.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Brokerage Vehicle insurance intermediation covering cars, motorcycles, and trucks with customized protections for drivers in the Sul Fluminense region and throughout Brazil.
• Health Insurance Brokerage Primary offering: business and individual health insurance brokerage serving MEI, companies with 2+ employees, and large corporations, with plans from Bradesco, SulAmérica, Amil, Porto Seguro, Unimed, and Prevent Senior.
• Life Insurance Brokerage Life insurance with coverage options starting at accessible price points to guarantee financial protection for families and businesses.
• Travel Insurance Brokerage Travel insurance protecting travelers against medical emergencies, trip cancellations, baggage loss, and other unforeseen events during domestic or international trips.
• Residential Insurance Brokerage Home insurance protecting residences against fire, explosions, lightning, electrical damage, robbery, weather events, and offering family civil liability coverage.
• Business Insurance Brokerage Comprehensive business insurance covering fire, explosion, electrical damage, robbery, civil liability, fixed expenses, lost profits, flooding, glass breakage, leaks, vandalism, equipment and machinery, and severe weather events.
• Condominium Insurance Brokerage Mandatory insurance for condominiums covering common areas against fire, lightning, explosions, electrical damage, robbery, civil liability, glass breakage, weather events, flooding, collapse, and garage civil liability.
• Guarantee Insurance Brokerage Contractual guarantee insurance covering performance bonds, advance payment guarantees, retention guarantees, labor/social security guarantees, judicial guarantees, bid bonds, maintenance bonds, real estate guarantees, customs guarantees, PPPs, environmental guarantees, and sector-specific guarantees.
• Rental Guarantee Insurance Brokerage Insurance replacing traditional guarantors or security deposits for property rentals, covering unpaid rent, property charges, contract penalties, property damage, painting, and judicial expenses.
• Portable Equipment Insurance Brokerage Insurance for portable electronic devices including smartphones, notebooks, cameras, tablets, and smartwatches against qualified theft, accidental damage, electrical damage, and international coverage.
• Engineering Risk Insurance Brokerage Insurance for construction projects, renovations, and industrial installations covering works damages, project errors, robbery, equipment damage, civil liability, willful acts, completed works, installation damage, with technical inspection and work safety consulting.
• Civil Liability Insurance Brokerage Multiple liability insurance types including bodily injury, material damage, moral damage, professional RC, product RC, environmental RC, works RC, D&O, covering damages to third parties with legal defense and court costs.
• School Insurance Brokerage Student insurance covering personal accidents, medical expenses, permanent/temporary disability, accidental death, dental assistance, medical transport, and optional pramista protection for tuition payment in case of death or disability.
• Consortium Services Interest-free consortium intermediation for acquiring vehicles (light/heavy), machinery and equipment, and real estate. Participants contribute monthly to a common fund and receive credit through lottery or bid, with life/invalidity insurance and reserve fund options.

Quantifiable outcome

• 100% approval rate on Reclame Aqui consumer complaint platform
• +3 more outcomes

Named customers5 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

Feature3 records

Partnerships

26 partnerships are on record, tiered primary, core and secondary.

• Porto SeguroprimaryTechnology or IntegrationMajor Brazilian insurance company offering auto, health, residential, and corporate insurance. Listed as a key partner in YELO's insurer network.
• Azul SegurosprimaryTechnology or IntegrationBrazilian insurance company. Listed as a key partner in YELO's insurer network for multiple product lines.
• Itaú SegurosprimaryTechnology or IntegrationInsurance arm of Itaú Unibanco, one of Brazil's largest financial institutions. Listed as a key partner in YELO's insurer network.
• AllianzprimaryTechnology or IntegrationGlobal insurance group operating in Brazil. Listed as a key partner in YELO's insurer network for auto and other insurance lines.
• Tokio MarineprimaryTechnology or IntegrationJapanese-origin insurance company operating in Brazil. Listed as a key partner in YELO's insurer network.
• YelumcoreTechnology or IntegrationBrazilian digital insurance company. Both a partner insurer and distinct from YELO corretora (confirmed on YELO blog as separate entities). Listed as a partner in YELO's network.
• HDI SegurosprimaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• Bradesco SegurosprimaryTechnology or IntegrationInsurance subsidiary of Bradesco, one of Brazil's largest banks. Listed as a key partner for auto and other insurance products.
• MapfreprimaryTechnology or IntegrationSpanish-origin global insurer operating in Brazil. Listed as a partner in YELO's insurer network.
• Alfa SegurossecondaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• Mitsui Sumitomo InsurancesecondaryTechnology or IntegrationJapanese global insurance group. Listed as a partner in YELO's insurer network.
• Darwin SegurossecondaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• Suhai SegurossecondaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• Ezze SegurossecondaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• Suíca SegurossecondaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• BP (Brasil Insurance)secondaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• Youse SeguradorasecondaryTechnology or IntegrationDigital insurance company from Caixa Econômica Federal. Listed as a partner in YELO's insurer network.
• EssorsecondaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• CNP SegurossecondaryTechnology or IntegrationBrazilian insurance company. Listed as a partner in YELO's insurer network.
• Santander SegurossecondaryTechnology or IntegrationInsurance arm of Santander Brasil. Listed as a partner in YELO's insurer network.
• SulAméricaprimaryTechnology or IntegrationMajor Brazilian health and insurance company. Listed as a key health plan partner for YELO's corporate health insurance offerings.
• Bradesco SaúdeprimaryTechnology or IntegrationHealth insurance subsidiary of Bradesco. Listed as a key health plan partner for YELO's corporate health insurance offerings.
• AmilprimaryTechnology or IntegrationMajor Brazilian health insurance operator. Listed as a key health plan partner for YELO's corporate health insurance offerings.
• Porto Seguro SaúdeprimaryTechnology or IntegrationHealth insurance division of Porto Seguro. Listed as a key health plan partner for YELO's corporate health insurance offerings.
• UnimedprimaryTechnology or IntegrationLargest health insurance cooperative network in Brazil. Listed as a key health plan partner for YELO's corporate health insurance offerings.
• Prevent SeniorsecondaryTechnology or IntegrationBrazilian health insurance operator focused on senior care. Listed as a health plan partner for YELO's health insurance offerings.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Pier: Brazilian digital insurance company that combines its own underwriting with broker-style distribution. Comparable to YELO through its multi-line insurance focus and Brazilian SME/consumer target market, though it operates its own carrier rather than distributing others.
• Youse Seguradora: Digital insurance company from Caixa Econômica Federal offering auto, home, and life products. Comparable to YELO as a partner carrier on YELO's broker shelf, and a competitor in delivering instant online insurance to Brazilian consumers.

Broad incumbents

• SulAmérica: Major Brazilian health and insurance carrier. Comparable to YELO as one of YELO's primary health plan partners, and a potential competitor through its own direct-to-corporate health plan sales force.
• Tokio Marine: Large Japanese-origin insurer operating broadly in Brazil across multiple lines. Comparable to YELO as a partner carrier that also distributes through its own broker and bancassurance channels.
• Allianz Brasil: Global insurance group with significant Brazilian operations across auto, life, and corporate lines. Comparable to YELO as both a partner carrier and as a competitor that sells direct through its own broker network.
• Porto Seguro: Major Brazilian insurance carrier providing auto, health, residential, and corporate products. Comparable to YELO because it is one of YELO's primary partner carriers, and increasingly competes by selling direct through its own digital channels.
• Wiz Soluções: One of Brazil's largest insurance and consortium brokerages, distributed through banking channels (Bradesco, CAIXA). Comparable to YELO's brokerage model but operates at significantly greater scale with national reach and embedded banking partnerships.

Direct peers

• Justos: Brazilian digital insurance broker offering auto insurance through a fully online, instant-quote model. Competes with YELO on the same Brazilian insurance distribution space, with a tech-first rather than human-broker-led approach.
• Bidu Corretora: Brazilian insurance and consortium broker offering online comparison across multiple carriers and product lines. Directly comparable to YELO's brokerage model, with a national digital presence and consortium offering.
• 180 Seguros: Brazilian online insurance brokerage offering multi-carrier comparison across auto, home, life, and business lines. Closely comparable to YELO's product breadth and customer segments, with a stronger digital self-serve interface.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/channel/UC6O-xHbvE_bt5CXtE4PRKqQ
• Facebookfacebook.com/YELOSeguros
• LinkedInlinkedin.com/company/yelo-seguros-e-consorcios
• Instagraminstagram.com/yeloseguros

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 YELO Seguros & Consórcios