Grupo Ragaz
Grupo Ragaz is a São Paulo-based insurance broker advisory firm providing free commercial and operational advisory services plus paid training courses to over 1,800 independent insurance brokers in Brazil, monetizing through insurance carrier commissions and Hotmart-distributed online training products.
- Company typePrivate
- Founded2015
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Grupo Ragaz does
Grupo Ragaz is a Brazilian insurance broker advisory firm founded in 2015 and headquartered in São Paulo, Brazil. The company provides commercial and technical-operational advisory services, training, and content to independent insurance brokers (corretores de Seguros) operating in the Brazilian insurance market. As of the input data, Ragaz reports serving over 1,800 brokers daily, supported by a staff in the 11-50 employee range and a founder-led ownership structure (Leonardo Sardinha as CEO alongside Claudia Simplicio and Rodrigo Borelli). The economic group comprises two legal entities: RAGAZ ASSESSORIA TREINAMENTOS E SEGUROS LTDA and HOTSEG CORRETORA E ADMINISTRADORA DE SEGUROS LTDA, with no external institutional investors disclosed.
The company's platform combines a web-based EAD (distance learning) training portal, a Bitrix24-based CRM for lead and onboarding management, WhatsApp Business API for direct broker communication, a LeadLovers-powered lead-capture system, and a centralized Acesso Rápido hub providing single-sign-on access to over a dozen insurance carrier and health operator portals. Core products include the Ragaz Assessoria advisory service, a Cadastro Unificado for unified multi-insurer broker registration, a Base de Conhecimento, and a paid training catalog (Top Corretor 2.0, Corretor Vendedor, Acelerador The Flash, A Mágica do Diferente, Do Zero ao Milhão, Insta Corretor 30D, WhatsMoney, Férias Vitalícia, and others) distributed through the Hotmart marketplace at prices ranging from R$98 to R$1,997. The company also operates two YouTube channels (SouCorretorEagora and Falando de Negócios) and a marketing asset library (Para Você Corretor) for brokers.
Ragaz's business model is dual-revenue: (1) commission-based advisory services funded directly by insurance carriers at 10-36% of premiums, making the service free to the broker, and (2) paid training courses sold directly to brokers via Hotmart. The model is supported by partnerships with over 10 insurance carriers (Suhai, Usebens, Darwin, HDI, Justos, Oceânica, BP Seguradora, Ituran, and others) and health operators (Amil, SulAmérica, Notre Dame Intermédica, Qualicorp, Clube Infinity, Omint, Kipp Saúde, Affix), plus complementary service partners (Grupo CAOM and UpHold for accounting, Sinicor for claims management, Multicálculo/Agger for multi-insurer quoting). The advisory value proposition — unifying broker onboarding, training, registration, and operational support across multiple carriers — sits at the core of the company's go-to-market.
Grupo Ragaz firmographics
Firmographics- Name
- Grupo Ragaz
- Legal name
- RAGAZ ASSESSORIA TREINAMENTOS E SEGUROS LTDA
- Website
- https://ragaz.com.br
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Grupo Ragaz is a São Paulo-based insurance broker advisory firm providing free commercial and operational advisory services plus paid training courses to over 1,800 independent insurance brokers in Brazil, monetizing through insurance carrier commissions and Hotmart-distributed online training products.
- Ownership category
- akta.pro rank
Grupo Ragaz industry classification
Industry- Product category
- Insurance Brokerage Consulting
- NAICS
- Administrative Management and General Management Consulting Services (541611)
- SIC
- Services-Management Consulting Services (8742)
- akta.pro primary industry
- Strategy & Corporate Development Consulting (BPAHACAA)
Keywords
Where Grupo Ragaz is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Grupo Ragaz business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Advisory/Consulting Services: Ragaz provides commercial and technical-operational advisory services to insurance brokers. The revenue is generated through commissions paid directly by insurance companies (not by the brokers), making the service free for brokers. Commission rates vary by insurer and product, ranging from 10% to 36% of premiums.
- Paid Training Courses: Ragaz monetizes through paid online courses and training programs for insurance brokers, including Top Corretor 2.0, Corretor Vendedor, Insta Corretor 30D, and others. Course prices range from R$98 to R$1,997, with some subscriptions and one-time payment options.
- E-book and Content Downloads: Free and paid digital content including e-books such as '75 Estratégias para Quebrar Objeções' distributed via lead capture forms, driving email/WhatsApp list building and future course sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free training content including mini-trainings, Instagram lessons, Suhai lessons, and strategy videos |
| One time/ perpetual license | Pay-as-you-go | A Mágica do Diferente - MasterClass on differentiation strategy |
| Subscription | Monthly | Corretor Vendedor - Sales conversion method course |
| One time/ perpetual license | Pay-as-you-go | Top Corretor - ACELERADOR (The Flash) - Rapid lead and sales acceleration method |
| One time/ perpetual license | Pay-as-you-go | Live Do Zero ao Milhão - Live training on scaling to R$1M+ annual revenue |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels10 records
Grupo Ragaz product offering
Product offeringCore offering
Grupo Ragaz is a Brazilian advisory firm that helps insurance brokers (corretores de seguros) grow their businesses through consulting, qualification programs, and paid training content. The company delivers expert advisory services to brokerages and produces educational/training material distributed via online course platforms such as Hotmart, while also receiving commissions from insurance companies for broker development activities.
Product overview
Ragaz Assessoria is a B2B insurance broker advisory platform providing a multi-module service offering organized around three core pillars: (1) Ragaz Assessoria — the core advisory service offering onboarding, daily commercial support, and operational assistance to insurance brokers, enabling them to sell across multiple insurance companies; (2) Training & Content — a portfolio of paid courses (WhatsMoney, Insta Corretor 30D, Primeiros Passos, Corretor Vendedor, Top Corretor 2.0, Top Corretor Acelerador The Flash, A Mágica do Diferente, Férias Vitalícia, Os Segredos do Seguro Auto, Do Zero ao Milhão) alongside free educational content including an e-book (75 Estratégias para Quebrar Objeções), YouTube channels (SouCorretorEagora, Falando de Negócios), a knowledge base, training calendar, and broker portal tools (Acesso Rápido, Guia do Corretor, Para Você Corretor, EAD Training Portal); and (3) Insurance Partnerships — integrations with over a dozen insurance carriers including Usebens, Suhai, HDI, Ituran, Justos, Oceânica, Amil, Clube Infinity, Qualicorp, NotreDame Intermédica, Darwin, and Affix, giving brokers access to quote portals, commission dashboards, and policy management tools for auto, health, moto, and life insurance. Additional partner services include accounting support (UpHold, Grupo CAOM), claims management (Sinicor), and marketing tools. The platform also operates a unified document submission and broker transfer service enabling simultaneous multi-insurer registration.
Differentiator
Problem solved
Functional benefit
Products and services
- Insurance Broker Advisory Services
- Broker Qualification and Training Programs
- Paid Insurance Broker Content and Online Courses
Quantifiable outcome
- Over 1,800 insurance brokers supported daily, with access to training and information leading to increased production and profitability
- +3 more outcomes
Companies that use Grupo Ragaz
Customer profileNamed customers8 records
Segments2 records
Ideal customer profiles1 record
Grupo Ragaz technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
Feature3 records
Grupo Ragaz partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- Suhai SeguradoracoreSuhai is a key insurance company partner specializing in auto insurance with broad vehicle acceptance (including motorcycles, cars over 10 years, auction vehicles, app-based vehicles). Ragaz brokers can earn commissions up to 36% for motorcycles and vehicles over 10 years, and up to 30% for other vehicles. Ragaz has been recognized with multiple Suhai awards and achieved R$5 million in premiums issued. Suhai paid Ragaz's service costs directly.
- Usebens SeguradoracoreUsebens is an auto insurance company regulated by SUSEP (15414.900483/2017-14) that accepts vehicles up to 25 years old, auction cars, and app-based vehicles. Ragaz brokers earn commissions of 10-35% with recurring payment. The partnership includes 4-minute average response time and 89% of cases resolved internally.
- Darwin SeguroscoreDarwin is an auto insurance company partner accessible through Ragaz's unified registration process. Ragaz provides onboarding, training, and support for Darwin-registered brokers.
- HDI SeguroscoreHDI is an auto insurance company partner accessible through Ragaz. Ragaz provides commercial and operational support for HDI-registered brokers.
- Justos SeguroscoreJustos is an auto insurance company partner accessible through Ragaz's unified registration. Ragaz provides onboarding, training, and support for Justos-registered brokers.
- Oceânica SeguroscoreOceânica is an auto insurance company partner offering commissions up to 25% with lifelong renewal commissions. Accepts vehicles up to 30 years, motorcycles up to 15 years, and auction/app vehicles. Ragaz brokers receive support, training, and exclusive quoting tools.
- BP SeguradoraminorBP Seguradora is an insurance company partner accessible through Ragaz's unified registration process.
- Novo SegurosminorNovo Seguros is an insurance company partner accessible through Ragaz's unified registration process.
- IturancoreIturan is an auto insurance company specializing in tracked vehicles. Ragaz provides onboarding, training, and support for Ituran-registered brokers. Commission is paid by Ituran directly to brokers.
- Amil SaúdecoreAmil is a health insurance operator partner. Ragaz helps brokers register and provides support for Amil health plan sales, including quote tools and commission management.
- SulAméricacoreSulAmérica is a health insurance operator partner accessible through Ragaz. Ragaz provides commercial and operational support for SulAmérica-registered brokers.
- Notre Dame / IntermédicacoreNotre Dame Intermédica is a health insurance operator partner. Ragaz helps brokers with registration, documentation, and operational support for the partnership.
- AffixminorAffix is an insurance company partner requiring no documentation for broker registration. Accessible through Ragaz's unified registration process.
- OmintminorOmint is a premium health insurance operator partner accessible through Ragaz for broker registration and support.
- Kipp SaúdeminorKipp Saúde is a health insurance operator partner accessible through Ragaz for broker registration and support.
- SinicorcoreSinicor is a claims management company (sinistro management) that partners with Ragaz to help insurance brokers manage claims efficiently. Through the partnership, brokers can refer clients to Sinicor and receive cashback when referrals close in the same month. Sinicor provides nationwide service. Ragaz earns referral fees for broker introductions.
- Grupo CAOMcoreGrupo CAOM is an accounting firm with over two decades of experience specializing in serving insurance brokers. The partnership offers Ragaz-assessed brokers exclusive discounts on accounting services and free consultancy sessions. Grupo CAOM serves brokers nationwide.
- UpHold Assessoria ContábilminorUpHold is an accounting firm partner providing discounted accounting services to Ragaz-assessed brokers. Non-clients receive special pricing and a free course on hiring interns. Assessed/franchised brokers receive 3 courses on Férias Vitalícia as bonus.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Grupo Ragaz competitors and assessment
Company assessmentEmerging players
- EverQuote: U.S. online insurance marketplace connecting consumers with local agents and carriers, with agent-side tooling. Comparable to Ragaz in providing lead generation and carrier-access infrastructure that helps producers sell more insurance.
- Justos: Brazilian digital auto insurer using data-driven underwriting. Comparable as an emerging digital insurance player that is also a Ragaz carrier partner; both target modernizing Brazil's auto insurance distribution chain.
- 180 Seguros: Brazilian digital insurance broker platform focused on simplifying insurance purchase for consumers. Comparable to Ragaz in seeking to make insurance distribution more efficient in Brazil, though positioned more consumer-direct than broker-support.
- Lemonade: Digital-first insurance carrier using technology to simplify insurance purchase and claims. Comparable as a digital insurance player reshaping traditional distribution, though operating as a carrier rather than a broker-support entity like Ragaz.
Regional players
- Bidu (Bidu Corretora): Brazilian online insurance comparison and brokerage platform enabling consumers (and increasingly brokers) to compare and purchase policies from multiple carriers. Comparable to Ragaz's multi-insurer aggregation model, though aimed more at the end consumer than at broker productivity.
Broad incumbents
- Brown & Brown: U.S. insurance brokerage and risk management firm with extensive carrier relationships and broker support capabilities. Comparable to Ragaz in its role as an intermediary aggregating carrier access for producers.
- PolicyBazaar: India's largest online insurance marketplace and comparison platform aggregating multiple carriers. Comparable to Ragaz's multi-carrier aggregation thesis and consumer/broker enablement, scaled to a different geography.
- SelectQuote: U.S. direct-to-consumer insurance distribution platform specializing in life and health insurance. Comparable to Ragaz in monetizing aggregated carrier relationships and converting consumer interest into bound policies, though via a different distribution model.
- Wiz (Wiz Soluções / BB Seguros): Brazilian insurance brokerage super-group serving independent brokers and corporate clients through multi-carrier distribution and back-office support. Comparable to Ragaz in providing aggregated broker enablement and carrier relationships, but at much larger scale and broader product scope.
- Hub International: Large North American insurance brokerage providing broker support services, carrier access, and operational infrastructure to insurance producers. Comparable to Ragaz as a broker-enablement organization, though operating at vastly greater scale and in a different geography.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Grupo Ragaz social profiles
Digital presenceGrupo Ragaz financial estimates
Financial estimateRevenue estimate
Valuation estimate
Grupo Ragaz leadership team
Management profileNumber of profiles
Profiles3 records
Grupo Ragaz funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Grupo Ragaz 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 Grupo Ragaz
What does Grupo Ragaz do?
Grupo Ragaz is a Brazilian advisory firm that helps insurance brokers (corretores de seguros) grow their businesses through consulting, qualification programs, and paid training content. The company delivers expert advisory services to brokerages and produces educational/training material distributed via online course platforms such as Hotmart, while also receiving commissions from insurance companies for broker development activities.
Is Grupo Ragaz a public or private company?
Grupo Ragaz is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Grupo Ragaz founded?
Grupo Ragaz was founded in 2015. It employs 11 to 50 people.
Where is Grupo Ragaz based?
Grupo Ragaz is headquartered in São Paulo, Brazil, in the Latin America region.
How does Grupo Ragaz make money?
Three revenue lines are on record. Advisory/Consulting Services are the primary driver. The others are paid Training Courses and E-book and Content Downloads.
Who are Grupo Ragaz's main competitors?
Emerging players on record are EverQuote, Justos, 180 Seguros and Lemonade. Bidu (Bidu Corretora) is listed as a regional player. Broad incumbents are Brown & Brown, PolicyBazaar, SelectQuote, Wiz (Wiz Soluções / BB Seguros) and Hub International.
Does Grupo Ragaz have an API?
No public API is recorded for Grupo Ragaz.
What industry is Grupo Ragaz in?
Grupo Ragaz's product category is Insurance Brokerage Consulting. Its primary akta.pro industry code is BPAHACAA, Strategy & Corporate Development Consulting. Its NAICS code is 541611 and its SIC code is 8742.