Azos is a Brazilian insurtech founded in 2020 by Rafael Cló (CEO), Bernardo Ribeiro (CMO), and Renato Farias (COO). The company was conceptualized in 2019 after Cló experienced personal frustrations with the bureaucratic and inefficient processes of a traditional life insurance policy in Brazil. This experience prompted the founders to explore the Brazilian insurance market and create a digital-first platform to simplify the process of acquiring and managing life insurance.
Azos operates as a technology company and insurance brokerage, offering life insurance policies that are underwritten by its partners, Excelsior Seguros, a Brazilian insurer with over 80 years in the market, and reinsured by Swiss Re, a leading global reinsurer. This business model allows Azos to focus on the customer experience, technology, and distribution, while its partners provide the regulatory and capital foundation. The company employs a hybrid distribution strategy, combining direct-to-consumer online sales with a network of partner brokers across Brazil.
The company's core product offering includes life insurance, critical illness coverage, and total disability due to accidents. Azos aims to democratize access to life insurance in Brazil, a market where only an estimated 15% of the population is insured. It differentiates itself by offering a fully digital and streamlined process, allowing customers to get a quote and purchase a policy in minutes, a significant reduction from the industry average. Policies are customizable, with monthly premiums starting from as low as R$5, and coverage can reach up to R$3 million. The platform uses algorithmic underwriting and does not typically require medical exams for policy issuance.
Since its founding, Azos has attracted significant investment from various national and international venture capital funds, including Kaszek Ventures, Maya Capital, Propel, Prosus Ventures, and Munich Re. The company has raised over R$250 million through multiple funding rounds, including a Series C in 2026, to fuel its growth, enhance its technology, and expand its product offerings.
Keywords: life insurance, insurtech, digital insurance, Brazil, financial protection, critical illness coverage, disability insurance, online brokerage, Excelsior Seguros, Swiss Re, Rafael Cló, Bernardo Ribeiro, Renato Farias, venture capital, fintech, policy management, algorithmic underwriting, insurance distribution, personal insurance
Dealroom maps Azos's team person by person — pinpointing the standout operators and scoring them across the six dimensions investors underwrite. The counts and shape below are a public preview; the named individuals and exact scores live in the platform.
12team members profilednamed & role-tagged by Dealroom
Source: Dealroom Talent Intelligence. Public profiles show counts and the team's shape only — request a demo for the named individuals, per-person seniority and tenure, and team benchmarks vs peers.
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