Seguros de Vida y Retiro

What Seguros de Vida y Retiro does

Seguros de Vida y Retiro is an independent insurance brokerage domiciled in Mexico that distributes life, retirement, educational, and major medical expense insurance products primarily underwritten by Seguros Monterrey New York Life (SMNYL). The firm sells to individual consumers and families nationwide, with a single-carrier channel relationship and no parent company, institutional capital, or M&A activity disclosed. Its product portfolio spans eight core lines — Seguro Vida Mujer (a flagship women's product combining life protection, maternity and female-condition coverage, income protection, and savings), Seguro Educativo Segubeca, Plan Personal de Retiro Imagina Ser, Seguro de Vida Vitalicio, Seguro de Gastos Médicos Mayores, Seguro Dotal, Seguro de Vida Temporal, and Seguro de vida con ahorro (Realiza) — plus adjacent offerings including a maternity-specific SGMM plan and a Deducible en Exceso rider for employer-to-individual SGMM transitions.

The firm operates a content-driven digital surface rather than a proprietary technology platform. Segurosvidayretiro.com.mx functions as a lead generation and education hub: an active blog with posts dated 2023–2026, a PPR vs CETES comparator with documented methodology and Banxico references, a video library organized by topic (Vida Mujer, GNP women coverage, deductible explanations, the Médicos a tu Lado program), and downloadable official PDF documentation for distributed products. There is no mobile app, no public API, and no proprietary AI capability. Distribution and conversion are handled through the website contact form and remote advisory sessions (15–20 minutes via Zoom or WhatsApp), with a Yucatán-area contact number (9991648628) and a single email channel.

The business model is commission-based across recurring insurance premiums. Vida Mujer premiums range from MXN $1,500 to MXN $8,600 per month depending on age band and configuration, while Vida Mujer Banorte — a basic group product distributed via a Banorte banking relationship — carries a fixed MXN $49.50 + IVA monthly premium with a MXN $150,000 sum assured. Additional revenue streams include commissions on retirement plans (PPR with potential Article 151/185 ISR tax benefits), educational savings (Segubeca), major medical expense coverage (SGMM), endowment, term life, and life-with-savings products. Pricing is consultative and requires a personalized quotation. The firm employs 1–10 people, operates without disclosed funding, and functions as a sales-led, content-supported brokerage in a fragmented Mexican retail insurance market.

Name

Seguros de Vida y Retiro

Legal name

Seguros de Vida y Retiro

Website

https://segurosvidayretiro.com.mx

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Independent Mexican insurance brokerage distributing life, retirement, educational savings, and major medical expense products from Seguros Monterrey New York Life to individual consumers and families nationwide, sold via a content-driven website and remote advisory consultations.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Life insurance brokerage
• Retirement planning services
• Education savings insurance
• Major medical insurance
• Insurance advisory services

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue — Vida Mujer: The company earns commissions from insurance premiums paid by clients on life insurance products for women (Seguro Vida Mujer), which combines life protection, savings, and health coverages.
2. Insurance Premium Revenue — Major Medical Expenses (Gastos Médicos Mayores): Commissions from major medical expense insurance premiums covering hospitalizations, surgeries, and medical treatments.
3. Insurance Premium Revenue — Retirement Insurance (Seguro de Retiro / PPR): Commissions from personal retirement plans (Planes Personales de Retiro) that combine savings and fiscal benefits for retirement.
4. Insurance Premium Revenue — Educational Insurance (Segubeca): Commissions from university education savings insurance (Seguro Educativo Segubeca) combining life coverage with a programmed savings plan for higher education expenses.
5. Insurance Premium Revenue — Other Life Insurance Products: Commissions from additional life insurance products including whole life (vitalicio), term life (temporal), endowment (dotal), and life insurance with savings (vida con ahorro).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Seguros de Vida y Retiro is a Mexican insurance brokerage/advisory firm that distributes and advises on insurance products from Seguros Monterrey New York Life (SMNYL). Its portfolio covers life insurance for women, educational savings insurance, retirement/pension plans, major medical expense coverage, term and whole life policies, endowment insurance, and life insurance with savings components. The firm operates via a content-driven website that funnels prospective customers into remote consultations (Zoom/WhatsApp) where personalized quotations and product recommendations are delivered.

Product overview

Seguros de Vida y Retiro is an insurance intermediary offering a portfolio of life insurance, retirement, educational, and health products primarily distributed through Seguros Monterrey New York Life (SMNYL). The product portfolio includes: Seguro Vida Mujer (comprehensive women's life insurance with health, maternity, income protection, and savings), Seguro Educativo Segubeca (educational savings insurance), Plan Personal de Retiro Imagina Ser (retirement/pension insurance with PPR options), Seguro de Vida Vitalicio (whole life insurance), Seguro de Gastos Médicos Mayores (major medical coverage), Seguro Dotal (endowment insurance), Seguro de Vida Temporal (term life insurance), and Seguro de vida con ahorro (life insurance with savings). The offerings operate as individual insurance products rather than a unified technology platform, with complementary resources including educational blog content, comparison tools, and video guides.

Differentiator

Problem solved

Functional benefit

Brands

• Seguro Vida Mujer: Life insurance product designed for women, combining protection, health coverage, savings, and innovative benefits tailored for women.
• Seguro Educativo Segubeca
• Plan Personal de Retiro Imagina Ser
• Seguro de Vida Vitalicio
• Seguro de Gastos Médicos Mayores
• Seguro Dotal
• Seguro de Vida Temporal
• Seguro de Vida con Ahorro
• Médicos a tu Lado

Products and services

• Seguro Vida Mujer Comprehensive life insurance for women combining life protection, female-specific health coverage, maternity benefits, income protection during disability, and a periodic savings component. Distributed by Seguros de Vida y Retiro for Mexican women aged 18-55, underwritten by Seguros Monterrey New York Life.
• Seguro Educativo Segubeca Educational insurance designed to generate savings for paying children's university expenses, combining life insurance protection with a programmed savings plan for higher education funding. For parents and grandparents in Mexico planning education legacies.
• Plan Personal de Retiro Imagina Ser Retirement pension insurance product that delivers a lump sum to finance retirement, with PPR (Plan Personal de Retiro) options available in UDIS for inflation protection and tax benefits under Articles 151 and 185 of the Mexican Income Tax Law. For Mexican individuals planning retirement income.
• Seguro de Vida Vitalicio Whole life insurance designed for long-term family financial protection with accumulated cash value that can be used as guarantee or for future premium payments. For Mexican individuals and families seeking permanent life coverage.
• Seguro de Gastos Médicos Mayores Major medical expense insurance covering hospital and medical costs derived from illness, pregnancy, or unexpected accidents to prevent destabilization of family finances. For Mexican families seeking private healthcare coverage.
• Seguro Dotal Endowment life insurance combining protection and guaranteed savings, where the policyholder receives a dote or amount at the end of the plan term regardless of whether death occurred. For Mexican individuals building long-term wealth and patrimony.
• Seguro de Vida Temporal Term life insurance with low-cost premiums protecting over a defined short or medium-term horizon with larger sums insured. For Mexican individuals with temporary protection needs such as mortgages or income replacement.
• Seguro de Vida con Ahorro (Realiza) Life insurance with savings component for accelerated capital generation and patrimony building, combining life protection with return of capital or savings. For Mexican individuals seeking investment-linked life coverage.

Quantifiable outcome

• Vida Mujer savings component returns 115% of sum assured accumulated over plan term (5% every 2 years for 20 years, plus 80% at maturity), in addition to economic support payments.
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Seguros Monterrey New York Life (SMNYL)coreChannel Partner/ Reseller/ DistributorSeguros de Vida y Retiro acts as a broker/distributor for insurance products underwritten by Seguros Monterrey New York Life (SMNYL), including Vida Mujer, retirement plans (Imagina Ser PPR), major medical expense insurance (SGMM), and other life insurance products. The company distributes, advises on, and manages SMNYL insurance products for its clients across Mexico.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Sura México: Large Latin American insurance group operating across life, health, and retirement lines in Mexico. Comparable as a broad incumbent offering overlapping product categories (life, health, retirement) with established distribution and greater scale.
• AXA Seguros México: Global insurer with major Mexican operations offering life, health, and savings products. Comparable as a broad incumbent serving similar individual/family customer needs with substantially larger scale and brand recognition.
• MetLife México: Major global life insurer with extensive Mexican life, retirement, and accident & health product portfolio. Comparable as a broad incumbent competing for the same individual life and retirement insurance customers.
• GNP Seguros (Grupo Nacional Provincial): One of Mexico's largest domestic insurers offering life, health, and auto coverage through agents and brokers. Comparable as a broad incumbent with a multi-line product strategy targeting the same Mexican individual/family segment.
• Zurich Seguros México: Global insurer with Mexican operations across life and general insurance lines. Comparable as a broad incumbent providing life insurance products to Mexican consumers via agent/broker distribution.
• Seguros Monterrey New York Life: The carrier partner underwriting Seguros de Vida y Retiro's product portfolio (Vida Mujer, Imagina Ser PPR, Segubeca, etc.). Comparable because it offers the same underlying insurance products via its own captive agent and broker channels, representing both the source of supply and the most direct competitive overlap.
• Mapfre México: Spanish-headquartered global insurer with significant Mexican life and health operations. Comparable as a broad incumbent offering life and health insurance through Mexican agent/broker distribution.
• BBVA Seguros México: Bank-affiliated insurer leveraging BBVA's Mexican retail banking base to distribute life, health, and savings products. Comparable as a broad incumbent with embedded distribution advantages competing for the same individual consumer.
• Seguros Inbursa: Mexican insurer owned by Grupo Financiero Inbursa offering life and accident & health products. Comparable as a broad incumbent with cross-sell reach through Inbursa's financial services ecosystem.

Direct peers

• Comparaencasa: Latin American online insurance comparison platform operating in Mexico that aggregates life, health, and other insurance products from multiple carriers. Comparable as a direct peer because it uses an online content-and-comparison model to broker individual insurance products in Mexico — mirroring Seguros de Vida y Retiro's content-led distribution approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/segurosvidayret

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 Seguros de Vida y Retiro