A partnership designed for Insurance Professionals
Evolve your business model, strengthen your relationship with your clients, and create a more stable, sustainable, and vibrant portfolio.Authorized by Banco de PortugalCredit intermediary no. 0001290
CRRF - BROKERAGE, LDA, headquartered at Rua da Terça, 11 3200-010 Casal de Ermio, acts as a Linked Credit Intermediary, registered with Banco de Portugal under no. 0001290, is authorized to present or propose credit contracts to consumers and to assist in the preparatory acts of those contracts or other pre-contractual management work regarding credit contracts that have not been presented or proposed by it. It does not provide consulting services.
Covered Credit Contracts: Mortgage and Consumer Credit.
Maintains a binding contract with the following lenders: BANCO BPI S.A., CAIXA GERAL DE DEPÓSITOS, S.A., BANCO SANTANDER TOTTA, S.A., NOVO BANCO, S.A., BNI - BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), S.A., BANKINTER, S.A. - BRANCH IN PORTUGAL, ABANCA PORTUGAL S.A., SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO, UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - BRANCH IN PORTUGAL, BANCO CTT, S.A., COFIDIS, BNP PARIBAS PERSONAL FINANCE, S.A. - BRANCH IN PORTUGAL, BBVA, INSTITUIÇÃO FINANCEIRA DE CRÉDITO S.A. Complete and updated information can be consulted at: https://www.bportugal.pt/intermediariocreditofar/crrf-brokerage-lda, Email: crrf360@sapo.pt. CRRF - BROKERAGE, LDA operates under the national brand "CREDISEGUR", registered with the National Institute of Intellectual Property under no. 668183.
Go beyond Non-Life Insurance
We know that most traditional brokers operate between 90% to 95% of their portfolio in Non-Life Insurance
This business model is essential, but it results in a more transactional portfolio, short-term products, high client turnover, lower average premiums, and strong commercial pressure.It is from this reality that many brokers begin to rethink their business model and plan for a sustainable growth model.
What changes with Credit Intermediation?
By combining Insurance Mediation with Credit Intermediation in your service ecosystem, your business model evolves to a new level
Credit processes naturally generate associated Life Insurance, which translates into:Long-term relationships with clients
Lower portfolio turnover
More stable and predictable remuneration
More balanced portfolios
Greater ease of management
How does it work?
CrediSegur acts as a complementary partner, always respecting the broker's relationship with the client
•Structured commercial partnerships
•Continuous strategic cooperation
•Progressive integration of services
•Comprehensive support from dedicated managers
•Rigorous and transparent methodology
•Total respect for the broker's client ownership
Advantages of being a CrediSegur partner
Over 15 years of experience in the financial market
Specialized structure in Mortgage and Personal Credit
Proprietary business technology
Established banking partnerships
Strategic vision for national growth
The partnership consists of a strategic collaboration in which CrediSegur ensures the credit intermediation of the mediator's clients in a professional, transparent, and regulated manner, complementing their activity and reinforcing the value proposition to clients.
CrediSegur also engages in the activity of Insurance Mediation, in a duly authorized and regulated manner. Nevertheless, in partnerships with insurance mediators, there is a clear and non-negotiable principle: absolute respect for the partner mediator's client portfolio.
Each partnership is analyzed individually, and tailored solutions can be found according to the reality of each structure, namely:
• Commission sharing models
• Strategic cooperation frameworks
• Or, when it makes sense for both parties, processes of migration or portfolio integration, always in a transparent, structured, and agreed manner.
The goal of CrediSegur is to create joint value, ensuring growth, continuity, and sustainability for all parties involved.
No. The client remains associated with the mediator. CrediSegur intervenes exclusively in the scope of credit intermediation, ensuring specialized technical support, always in coordination with the mediator.
The partnerships primarily cover mortgage credit and personal credit, allowing for responses to the most frequent financial needs of individual clients in an integrated, responsible manner that is tailored to their profile.
The introduction of credit intermediation allows the Life branch to be worked on naturally, through the insurance associated with credit processes.
This framework contributes to:
• More balanced portfolios
• Greater stability over time
• More predictable remuneration
• Healthier portfolio management
There can be different partnership models, adjusted to the reality, maturity, and objectives of each mediator, namely:
• Pure partnership, where the mediator forwards credit opportunities and/or makes their client portfolio available for analysis, ensuring remuneration on the insurance associated with credit processes — opportunities that would otherwise not be worked on.
• Commission sharing models, ensuring that the mediator participates in the generated value while maintaining the relationship with their clients.
• Progressive integration of services, with closer operational proximity between the structures.
• Merger or acquisition, whenever there is mutual interest, strategic alignment, and the mediator's willingness to remain in the business, evolving to the CrediSegur model and actively participating in its growth.
Each model is analyzed individually, with total transparency and a focus on creating sustainable value.
Yes. In certain contexts, it may make sense for the mediator to credential a member of their own team as a Credit Manager integrated into CrediSegur's structure.
This model allows:
• Maintaining proximity to the client portfolio
• Internally addressing credit needs
• Ensuring legal compliance, training, and technical support
• Enhancing joint growth in a structured manner
Each situation is evaluated on a case-by-case basis, ensuring clarity of responsibilities and legal compliance.
Not necessarily. Each partnership is evaluated individually, with the framework defined based on the objectives, structure, and reality of each mediator.
The first step is a strategic and confidential conversation, with no obligation, to analyze the context of your portfolio, your objectives, and to see if there is alignment for mutual growth.
• Mediators and insurance brokers
• Traditional structures or those in a growth phase
• Professionals with a strong focus on individual clients
If any of these profiles match your reality, you can join CrediSegur's partnership program.