Protectus
Protectus is a Porto-based, ASF-registered independent multi-brand insurance broker in Portugal (founded 2024) mediating 50+ insurance products across 26+ carriers for individual and corporate clients via a remote, dedicated account-manager model, with a credit-intermediation sub-brand operated through Eupago.
- Company typePrivate
- Founded2024
- HeadquartersLisboa, Portugal
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Protectus does
Protectus — legally PROTECTUS - MEDIAÇÃO DE SEGUROS, S.A. — is an independent multi-brand insurance broker founded in August 2024 and headquartered in Porto, Portugal. The company is registered with the Portuguese insurance regulator ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões) under registration number 424586615, with authorization to distribute Life (Vida) and Non-Life (Não Vida) insurance products. Protectus operates a remote distribution model, offering free simulations and personalized advisory through a dedicated account-manager channel accessible via website, phone, and email, with no proprietary technology platform — relying on standard digital marketing infrastructure (Google Analytics, Facebook Pixel, Hotjar) and cookie-based personalization. The company maintains offices in Porto (headquarters and registered office), Lisbon, and Funchal (Madeira), and is supervised by ASF only for the insurance entity; its credit-intermediation sub-brand Protectus Crédito is operated by parent affiliate Eupago - Instituição de Pagamento, Lda. (Banco de Portugal registration nr. 8709, €1M share capital), with both entities integrated into the broader Paysoft Alliance.
The product portfolio spans 15+ named insurance products across two segments: Particulares (life-credit, life-pension, automobile, multi-risk home, health, children protection, pet insurance, travel insurance, savings/pension instruments) and Empresas (group health, fleet, business travel, executive life, civil liability, work accidents). The company mediates across 26+ insurance carrier partners including Zurich, Allianz, Fidelidade, Tranquilidade, Ageas, Lusitania, Lusitania Vida, Real Vida, UNA, Asisa, Ergo, Prevoir, Mgen, Inovarisk, and Allianz Partners, allowing cross-market comparison rather than captive distribution. Protectus additionally mediates credit contracts on behalf of eight bank and financial partners under the Protectus Crédito brand via Eupago.
The revenue model is commission-based on insurance premiums mediated, supplemented by direct professional service fees ('honorários') and other insurance-related remuneration. Pricing to end customers is identical to going direct to insurers — no additional fees — with free simulations offered across the portfolio. Distribution is single-country (Portugal), leveraging a horizontal segmentation approach across individuals, businesses, and savings. The company has disclosed 300+ customers and 60+ policies created since founding, with no publicly reported revenue or funding, and operates with a €50,000 share capital at the Protectus entity level.
Protectus firmographics
Firmographics- Name
- Protectus
- Legal name
- PROTECTUS - MEDIAÇÃO DE SEGUROS, S.A.
- Website
- https://protectus.pt
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Protectus is a Porto-based, ASF-registered independent multi-brand insurance broker in Portugal (founded 2024) mediating 50+ insurance products across 26+ carriers for individual and corporate clients via a remote, dedicated account-manager model, with a credit-intermediation sub-brand operated through Eupago.
- Ownership category
- akta.pro rank
Where Protectus is headquartered
LocationHeadquarters
- HQ city
- Lisboa
- HQ country
- Portugal
- HQ region
- Europe
Offices4 records
Markets served
Protectus business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Insurance Commission: Commission calculated and included in the premium amount paid by the client to the insurance company where the insurance policy is placed. This is the primary revenue stream for the insurance mediation business.
- Professional Services / Honorarios: Direct charging to the client as professional fees, previously agreed upon, for insurance distribution services.
- Other Insurance-Related Remuneration: Other types of remuneration in connection with the insurance contract, or a combination of any of the remuneration types mentioned.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Free simulation and advisory service |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Protectus product offering
Product offeringCore offering
Protectus is an independent multi-brand insurance broker that mediates and distributes over 50 insurance products across Life and Non-Life categories on behalf of 26+ insurance company partners to individual consumers and businesses in Portugal. The company provides free personalized simulations, market comparison, and dedicated account manager advisory throughout the insurance lifecycle, earning commissions embedded in premiums paid by clients to partner insurers. Through its Protectus Crédito sub-brand operated by sister company Eupago, it also offers credit intermediation services.
Product overview
Protectus is a multi-brand independent insurance broker founded in 2024, operating as part of the Paysoft Alliance alongside Eupago. The company offers a comprehensive portfolio of insurance products for both individuals (Particulares) and businesses (Empresas), accessing over 25 insurance companies and 50+ products. The portfolio is organized into two main segments: Protectus Seguros (insurance mediation covering life, non-life, and pension products) and Protectus Crédito (credit intermediation operated through Eupago). Insurance products include life credit insurance, life pension insurance, automobile insurance, multi-risk home insurance, health insurance, children's protection, pet insurance, travel insurance, fleet insurance, group health for companies, business travel insurance, executive life insurance, civil liability, and work accident insurance. The company provides personalized advisory services through dedicated account managers, free simulations, and maintains partnerships with major insurers including Zurich, Allianz, Fidelidade, Tranquilidade, Ageas, Lusitania, and others.
Differentiator
Problem solved
Functional benefit
Products and services
- Seguro Vida Crédito
Companies that use Protectus
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Protectus technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Protectus partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core.
- Eupago - Instituição de Pagamento, Lda.coreEupago operates the Protectus Crédito brand for credit mediation services. It is supervised and registered at Banco de Portugal under nr. 8709. The partnership enables Protectus to offer credit intermediation alongside insurance products, both companies integrating Paysoft Alliance.
- ZurichcoreInsurance company partner offering life and non-life insurance products through Protectus mediation.
- AllianzcoreInsurance company partner offering life and non-life insurance products through Protectus mediation.
- FidelidadecoreInsurance company partner offering life and non-life insurance products through Protectus mediation.
- TranquilidadecoreInsurance company partner offering life and non-life insurance products through Protectus mediation.
- AgeascoreInsurance company partner offering life and non-life insurance products through Protectus mediation.
- BNI - Banco de Negócios Internacional (Europa), SAcoreCredit lender partner for Protectus Crédito brand, operated by Eupago. Contracted lender for credit intermediation services.
- Banco BPI, S.A.coreCredit lender partner for Protectus Crédito brand, operated by Eupago. Contracted lender for credit intermediation services.
- CofidiscoreCredit lender partner for Protectus Crédito brand, operated by Eupago. Contracted lender for credit intermediation services.
- Santander Consumer Finance S.A. - Sucursal em PortugalcoreCredit lender partner for Protectus Crédito brand, operated by Eupago. Contracted lender for credit intermediation services.
- Novo Banco, S.A.coreCredit lender partner for Protectus Crédito brand, operated by Eupago. Contracted lender for credit intermediation services.
- ABANCA Corporación Bancaria, SA, Sucursal em PortugalcoreCredit lender partner for Protectus Crédito brand, operated by Eupago. Contracted lender for credit intermediation services.
- Caixa Geral de Depósitos S.A.coreCredit lender partner for Protectus Crédito brand, operated by Eupago. Contracted lender for credit intermediation services.
- UCI, Unión de Créditos Inmobiliários, S.A. – Establecimiento Financiero de Crédito, Sucursal em PortugalcoreCredit lender partner for Protectus Crédito brand, operated by Eupago. Contracted lender for credit intermediation services.
- Paysoft AlliancecoreStrategic alliance group that Protectus and Eupago both integrate. Represents the broader corporate ecosystem providing payment and insurance mediation services.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Protectus competitors and assessment
Company assessmentBroad incumbents
- Tranquilidade: Tranquilidade is a major Portuguese non-life insurance company with direct and broker distribution, comparable as a broad incumbent competing for the same individual and corporate customers in the Portuguese market.
- Lusitania Seguros: Lusitania is a Portuguese insurance company offering life and non-life products through direct and broker channels. Protectus is a current distribution partner, making Lusitania a partner and competitive incumbent in the same Portuguese segments.
- Allianz Portugal: Allianz operates in Portugal across life and non-life insurance with direct and broker channels. Protectus is a current Allianz distribution partner, making Allianz a partner and competitive incumbent in the same segments.
- Fidelidade: Fidelidade is Portugal's largest insurance company with captive broker networks and direct distribution, serving as a broad incumbent that competes for the same end customers via direct and broker channels. Also a current Protectus distribution partner.
- MAPFRE: MAPFRE is a major Spanish-origin insurance group with significant Portugal presence, offering direct and broker-distributed products. Comparable as a broad Iberian incumbent in the same insurance market where Protectus operates.
- Generali Portugal: Generali operates in Portugal offering life and non-life insurance products through direct and broker channels. Comparable as a broad incumbent with overlapping product portfolio to Protectus' distribution.
- Zurich Portugal: Zurich is a global insurer operating in Portugal through direct channels and broker partnerships. Protectus is a current Zurich distribution partner, making Zurich both a partner and a competitive incumbent for end customers.
Direct peers
- Marsh Portugal: Marsh is a global insurance broker and risk advisor with Portugal operations, comparable to Protectus in multi-carrier brokerage and advisory services, with stronger enterprise and specialty segment focus.
- Aon Portugal: Aon is a global insurance brokerage and advisory firm with Portugal presence, providing multi-carrier placement and risk advisory to corporate clients. Comparable to Protectus in the broker intermediation model, though Aon focuses on larger enterprise and specialty risks.
- Garanta: Garanta is a Portuguese multi-carrier insurance broker offering advisory services to individuals and businesses, directly comparable to Protectus in independent broker positioning, multi-insurer product breadth, and Portuguese market focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Protectus social profiles
Digital presenceProtectus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Protectus leadership team
Management profileNumber of profiles
Protectus funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Protectus M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Protectus
What does Protectus do?
Protectus is an independent multi-brand insurance broker that mediates and distributes over 50 insurance products across Life and Non-Life categories on behalf of 26+ insurance company partners to individual consumers and businesses in Portugal. The company provides free personalized simulations, market comparison, and dedicated account manager advisory throughout the insurance lifecycle, earning commissions embedded in premiums paid by clients to partner insurers. Through its Protectus Crédito sub-brand operated by sister company Eupago, it also offers credit intermediation services.
Is Protectus a public or private company?
Protectus is a private company. It is classified as corporate owned and is currently operating.
When was Protectus founded?
Protectus was founded in 2024. It employs 1 to 10 people.
Where is Protectus based?
Protectus is headquartered in Lisboa, Portugal, in the Europe region.
How does Protectus make money?
Three revenue lines are on record. Insurance Commission is the primary driver. The others are professional Services / Honorarios and other Insurance-Related Remuneration.
Who are Protectus's main competitors?
Broad incumbents on record are Tranquilidade, Lusitania Seguros, Allianz Portugal, Fidelidade, MAPFRE, Generali Portugal and Zurich Portugal. Direct peers are Marsh Portugal, Aon Portugal and Garanta.
Does Protectus have an API?
No public API is recorded for Protectus.