Bem-Te-Vi

Embedded insurance platform for technology companies in Brazil

Distribution & Sales Startup Seed

Overview

Bem-Te-Vi is a Brazilian embedded insurance platform for technology companies and fintechs seeking to offer insurance products to their customers. Operating as a licensed insurance broker (corretagem de seguros) regulated by SUSEP (Superintendencia de Seguros Privados), the company connects distribution partners with multiple insurance carriers through an insurer-agnostic API infrastructure.

The platform delivers a full-stack Insurance as a Service solution covering RESTful APIs, adaptive user interfaces, and real-time performance dashboards. Partners embed credit, life, residential, cyber, directors and officers, and rental bond insurance products into their own applications without managing carrier relationships or regulatory compliance directly. Bem-Te-Vi handles end-to-end operational management from underwriting to claims resolution.

Founded in 2020 and headquartered in Sao Paulo, Bem-Te-Vi raised a seed round of USD 543K in April 2023 from Astella Investimentos and Spectra Investments. Distribution runs through technology partners and fintech companies that integrate the platform APIs.

Products & Services

Insurance as a Service Platform

An API-based platform enabling technology companies to embed insurance and assistance products into their existing offerings. The platform manages carrier integrations, regulatory compliance, and distribution operations on behalf of partners.

Key Features

RESTful APIs for insurance distribution and integration
Real-time KPI dashboards for conversion tracking and program optimization
Insurer-agnostic model supporting multiple carrier relationships
End-to-end operational management from underwriting through claims

Target Users: Technology companies, fintechs, and digital businesses seeking to add insurance products to their platforms

Insurance Product Lines

The platform distributes multiple insurance product categories:

Key Features

Credit Insurance: Coverage for credit-related transactions
Life Insurance: Term and life coverage products
Residential Insurance: Property coverage including fire, lightning, electrical damage, and temporary rental
Cyber Insurance: Digital risk protection
Directors & Officers (D&O) Insurance: Executive liability coverage
Rental Bond Insurance: Coverage for rental agreements

Assistance Services

Recurring-use services deployed alongside insurance products to create comprehensive protection packages within partner platforms.

At a Glance

Founded: 2020
Headquarters: Sao Paulo, Brazil
Employees: 11-50
Funding: Seed

Category & Focus

Category: Distribution & Sales
Subcategories: Embedded Insurance API Distribution Insurance as a Service
Insurance Verticals: Life & Annuity P&C Personal P&C Commercial Specialty/E&S
Target Customers: Carriers, Brokers