Forget the old mantra that "insurance is sold, not bought". That rule is dead. The new reality is brutally simple: insurance has become invisible.
Nobody wakes up wanting to buy a policy; people are looking for peace of mind, convenience or the unlocking of a service. They want to solve it with a click, without time-consuming human interactions.
If you lead operations in digital banking, retail, utilities or logistics and still see insurance as a mere "off-the-shelf product" or a compliance headache, I have some hard news for you: you're leaving millions on the table.
The market grew by more than 12% in 2024, but the real traction is not in the old models, but in the Embedded Insurance (built-in insurance). The question is not if you will sell, but as will monetize the base it already has.
See how to apply playbook of ModoSegu in four strategic sectors:
1. Fintechs and digital banks: We are living through an epidemic of digital insecurity where instant transaction fraud has grown by 70%. Customers are afraid to use their money, and here lies the opportunity: to turn account security into a feature of the main product. Insurance ceases to be a contract and becomes a "security button" activated on transfer.
Like ModoSegu does: Our API-first platform integrates insurance against improper transactions directly into the flow of your app, generating a huge increase in LTV and liquidity retention.
2. Utilities and telecom: Many see the electricity or internet bill only as a bill, but we see it as a mass distribution channel. Faced with the volatility of tariffs and the risk of churnThe way out is to sell micro-insurance (such as "invoice protection" or home insurance) diluted in the monthly bill. This stabilizes your revenue and creates an exit barrier for the customer.
Like ModoSegu does: We transform an ordinary boleto into an essential services hub, guaranteeing payment of consumer bills in the event of your client's loss of income.
3. Logistics and fleets: Cargo theft costs billions every year and the traditional policy model is slow and expensive. Carriers need agility. The solution is to migrate to Pay-per-trip (payment per trip) activated via API when issuing the CTe, where whoever holds the telemetry dictates the risk rule.
Like ModoSegu does: We connect data intelligence to underwriting. Insurance becomes a commodity and your logistics intelligence becomes the premium product.
4. Gig economy and platforms: There are millions of unassisted delivery drivers and freelancers, generating high turnover and operational risks. The great opportunity is to offer protection for personal accidents or equipment only during working hours (On/Off model).
Like ModoSegu does: We act as the link that connects insurers' capacity to the capillarity of their platform, protecting their workforce and reducing liabilities.
Your company doesn't have to go it alone
You don't need to master actuarial calculations or deal with complex bureaucracy to offer more protection to your client and security to your business.
ModoSegu solves this for you. Acting as a Digital MGA (Managing General Agent), we deliver the entire technological and regulatory infrastructure ready for use. You focus on your business, we'll take care of the insurance:
- Zero CAPEX: We eliminate the barrier to entry. Instead of tying up capital in proprietary development, we offer a model where you don't need a heavy initial investment. We turn implementation risk into operational partnership.
Speed-to-Market: The opportunity cost of long projects is high. While the market takes months to integrate legacy systems, our architecture API-first puts operations on the air in a matter of weeks. É plug-and-playintegrate, test and start billing. - White-Label: The customer is yours, the trust is yours. The entire experience takes place under your brand, without friction or extraneous redirections. The end customer sees the value of your company, while we quietly take care of all the regulation, claims and technology behind the scenes.
We are in the age of convergence. If you have a recurring and transactional customer base, you are already an insurance distribution channel. It remains to be seen whether you will monetize this or let your competitor offer the protection your customer is already looking for.
ModoSegu is one of the companies participating in MOVE Track 2025, Montreal Ventures' Business Development Track. Together, we understand that transforming cost centers into profit centers happens through technological integration.
Is your operation just charging the customer or protecting them? Shall we build this new revenue together?
Diego Rocha, CEO of ModoSegu
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