Manuel Mora

What Manuel Mora does

Seguros Manuel Mora (legal entity: MANUEL MORA CORREDURIA DE SEGUROS S.L.) is a privately held, family-owned insurance brokerage (correduría de seguros) founded circa 1998–1999 in Santander, Cantabria, Spain, and currently operating from two physical offices in Santander (headquarters, C/ Castelar 27) and Madrid (C/ Poeta Joan Maragall 18). The firm is structured as a Spanish S.L. (Sociedad Limitada), is registered under key J-1893 with Spain's Administrative Registry of Insurance and Reinsurance Distributors, and is led by founder Manuel Mora (Director General) with his daughter Leticia Mora joining as Head of Client Acquisition, Advisory and Portfolio Management in 2025 after a career as a criminal defense lawyer. The team consists of five identified members, indicating a micro-brokerage operating model.

The company's service offering is organized around two pillars—Asesoramiento Financiero (financial advisory covering investments and savings strategies) and Planificación Patrimonial (estate, fiscal, and succession planning)—with an insurance product portfolio spanning personal lines (Vida Entera whole life with profit participation, term life, funeral insurance, PIAS guaranteed savings) and commercial lines (cyber risk, D&O liability, employee collective programs). Distribution is enabled through carrier partnerships with AXA, Santalucia Seguros, and Liberty Seguros, augmented by a 2024 strategic partnership with Iban Wallet for guaranteed savings products (3%–5% returns). The firm is compensated solely through commissions per its privacy policy disclosure. There is no proprietary technology stack, no mobile app, no API, and no disclosed AI/ML capability; the digital footprint is a WordPress-based marketing website, LinkedIn and Facebook pages, WhatsApp Business contact, and an editorial blog on insurance and pension topics.

The go-to-market is sales-led and relationship-driven: face-to-face advisory at physical offices, free initial consultations, multi-channel inbound (phone, email, WhatsApp, web contact form), and content marketing via the company blog. Customer acquisition relies on established reputation, referrals, and the founder's 25+ year track record. The firm has accumulated a series of regional industry awards (Boxstar 2016–2024, NeoWinTech 2024) positioning it as a "nationally award-winning" brokerage, though absolute scale is small, no funding has been raised, and revenue is not publicly disclosed.

Name

Manuel Mora

Legal name

MANUEL MORA CORREDURIA DE SEGUROS S.L.

Website

https://segurosmanuelmora.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Seguros Manuel Mora is a Spanish insurance brokerage founded circa 1998–1999 in Santander, operating from Santander and Madrid offices with a five-person team. It distributes personal and commercial insurance, plus financial and estate-planning advisory, for individuals, families, and SMBs, earning revenue solely through carrier commissions.

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

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance brokerage
• Financial advisory
• Estate planning
• Life insurance
• Pension planning

Headquarters

HQ city

Santander

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Brokerage Commissions: The company operates as an insurance brokerage (correduria de seguros) earning commissions from insurance companies for placing policies. Per their privacy policy: 'La remuneracion percibida por su actividad de correduria revestira unicamente la forma de comisiones' (Remuneration for brokerage activity comes only in the form of commissions).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Manuel Mora is a Spanish insurance brokerage (correduría de seguros) that distributes insurance and savings products from multiple providers to individuals and small-to-medium businesses, including life, funeral, D&O, cyber risk, and group insurance products. The firm is remunerated exclusively through commissions from insurance companies and supplements brokerage with personalized financial advisory and patrimonial/estate planning services delivered through offices in Santander and Madrid.

Product overview

Seguros Manuel Mora is a traditional insurance brokerage (correduría de seguros) operating primarily in Spain with over 25 years of experience. The company offers a unified portfolio of insurance and financial services organized around two core pillars: (1) Financial Advisory (Asesoramiento Financiero) covering investment planning, savings strategies, and financial protection, and (2) Patrimonial/Estate Planning (Planificación Patrimonial) covering asset evaluation, will preparation, fiscal planning, and succession planning. The insurance product range includes Vida Entera (whole life with profit participation), Seguro de Decesos (funeral insurance), PIAS (guaranteed savings plan), Vida Riesgo (term life), Ciberriesgo (cyber risk), D&O insurance, and employee collective programs. Savings products are also distributed through an Iban Wallet partnership. The company is registered under key J-1893 with the Spanish Insurance Distribution Registry and is compensated solely through commissions.

Differentiator

Problem solved

Functional benefit

Products and services

• Asesoramiento Financiero (Financial Advisory) Personalized financial advisory service helping clients make decisions about investments, savings strategies, and financial planning aligned with short- and long-term goals, targeted at individuals and families.
• Planificación Patrimonial (Estate/Patrimonial Planning) Strategic service for organizing and managing assets to maximize value, minimize tax burdens, and ensure proper distribution according to the client's wishes, including will preparation, fiscal planning, and succession planning for individuals and families.
• Seguro Vida Entera (Whole Life Insurance) Whole life insurance product offering profit participation, providing long-term life coverage with a savings component for individuals.
• Seguro de Decesos (Funeral Insurance) Funeral insurance with special assistance services included, covering burial and related expenses for individuals and families.
• PIAS (Plan Individual de Ahorro Sistemático / Individual Systematic Savings Plan) Guaranteed individual systematic savings plan offering systematic savings accumulation with guaranteed returns for individuals.
• Ciberriesgo (Cyber Risk Insurance) Cybersecurity insurance product protecting businesses against digital risks and cyber threats, targeted at SMB clients.
• Seguro D&O para Empresarios y Directivos (D&O Insurance) Directors and Officers liability insurance protecting business owners and executives from legal claims arising from management decisions, targeted at SMB clients.
• Compliance Penal (Criminal Compliance) Criminal compliance consulting service helping businesses establish internal controls and procedures to prevent corporate criminal liability, targeted at SMB clients.
• Seguros Colectivos de Empleados (Employee Group Insurance) Collective insurance programs for employees with preferential distribution terms, including loyalty programs for business owners, key executives, and employees of SMB clients.
• Iban Wallet Guaranteed Products Guaranteed financial products distributed in partnership with Iban Wallet, available to both businesses and individuals with time horizons and returns ranging from 3% to 5%.
• Seguro Vida Riesgo (Term Life Insurance) Risk life insurance positioned as competitive against any market alternative, providing financial protection for dependents of individual clients.

Quantifiable outcome

• Vida Entera insurance product delivered 4.17% profit participation in 2019
• +1 more outcomes

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

Four partnerships are on record, tiered core.

• Iban WalletcoreStrategic or Co-development Partner · 1 January 2024Partnership agreement with Iban Wallet to commercialize guaranteed products (deposits/risk-free investments) to both businesses and individuals. Products offered at different time horizons with returns ranging from 3% to 5%.
• AXAcoreChannel Partner/ Reseller/ DistributorInsurance provider partner. AXA is one of the main insurance companies whose products are distributed through the Manuel Mora brokerage.
• Santalucia SeguroscoreChannel Partner/ Reseller/ DistributorInsurance provider partner since 2015-2024, distributing Santalucia insurance products through the brokerage.
• Liberty SeguroscoreChannel Partner/ Reseller/ DistributorInsurance provider partner distributing Liberty Seguros products through the Manuel Mora brokerage.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Howden Iberia: Howden is an independent insurance brokerage group expanding across Iberia. It competes directly with Manuel Mora in independent intermediary positioning, multi-carrier distribution, and personalized client service, though at larger scale.
• ERSM Insurance Brokers: ERSM is a Spanish insurance brokerage directly comparable to Manuel Mora in size, business model (commission-based intermediary serving individuals and SMBs), and Spanish market focus. Listed as the investor in Manuel Mora's 2026 funding event, evidencing direct industry adjacency.

Broad incumbents

• Aon Spain: Aon is a global insurance brokerage and advisory firm with a Spanish presence, offering risk, reinsurance, and wealth solutions. Directly comparable to Manuel Mora's full-service brokerage model but serving enterprise and mid-market clients at much greater scale.
• Lockton España: Lockton is the world's largest privately held insurance brokerage, operating in Spain. Comparable to Manuel Mora as an independent (non-bank-owned) broker, but Lockton Spain focuses on mid-market and corporate clients in commercial lines.
• Marsh (Marsh & McLennan Spain): Marsh is a global insurance broker and risk advisor with a Spanish operation, serving commercial clients across all major lines. Overlaps with Manuel Mora in property/casualty and specialty lines (D&O, cyber) but operates at significantly larger scale with corporate focus.
• Willis Towers Watson (WTW) Iberia: WTW provides insurance brokerage, risk management, and advisory services globally with operations in Spain and Portugal. Comparable to Manuel Mora in core brokerage activity (commercial and specialty insurance) but addresses corporate clients through offices in Madrid.
• Arthur J. Gallagher Iberia: Gallagher is a global insurance brokerage with Spanish operations offering retail and wholesale brokerage, risk management, and HR consulting. Directly comparable to Manuel Mora in retail brokerage activity for SMB clients.

Others

• AUNNA Asociación: AUNNA is a Spanish association of independent insurance brokerages of which Manuel Mora is a member (referenced via the customer service department email). It is a peer ecosystem organization that aggregates and represents comparable Spanish brokerages.

Regional players

• Seguros Bilbao / Catalana Occidente: Catalana Occidente is a Spanish insurance group with multi-channel distribution (including broker networks) operating heavily in northern Spain including Cantabria. Comparable as a Spanish insurance distribution player overlapping Manuel Mora's geographic footprint and product mix.

Emerging players

• Acuerdo (Spain insurtech broker): Acuerdo is a Spanish insurtech-enabled digital insurance broker for SMBs, directly competing with Manuel Mora in the same Spanish SMB customer segment but using a digital-first model — representing the digital competitive threat to traditional brokerages.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks1 record

Key highlights7 records

Customer concentration

• Facebookfacebook.com/correduriadesegurosmanuelmora
• LinkedInlinkedin.com/company/manuel-mora-correduria-de-seguros-sl

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors1 record

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 Manuel Mora