A partnership designed for insurance professionals
Evolve your business model, strengthen relationships with your clients and build a portfolio that is more stable, sustainable and full of life.
Go beyond Non-Life insurance
We know that most traditional mediators’ portfolios are focused on the Non-Life segmentThis business model is essential, but it leads to a more transactional portfolio, short-term products, high client churn, lower average premiums and strong commercial pressure.It is from this reality that many mediators start rethinking their business model and planning a sustainable growth strategy.
What changes with credit intermediation?
By combining insurance mediation with credit intermediation in your service ecosystem, your business model moves up to a new levelMany Mortgage processes involve a Life Insurance policy — and the client is free to choose where to take it out. As a mediator, you can present your proposal, which translates into:Long-term relationships with clients
Lower portfolio churn
More stable and predictable income
More balanced portfolios
Easier portfolio management
How does it work?
CrediSegur acts as a complementary partner, always respecting the mediator’s relationship with the client- Structured commercial partnerships
- Ongoing strategic cooperation
- Progressive integration of services
- End-to-end support from dedicated managers
- Rigorous and transparent methodology
- We do not contact your clients about insurance unless they ask us to
Advantages of being a CrediSegur partner
In the Portuguese financial market since 2010
Specialized structure in Mortgage and Personal Credit
Proprietary business technology
Established banking partnerships
Strategic vision for nationwide growth
The partnership is a strategic collaboration in which CrediSegur handles credit intermediation for the mediator’s clients in a professional, transparent and regulated way, complementing their activity and strengthening the value proposition offered to clients.
CRRF – Brokerage, Lda. (brand CrediSegur) is registered with ASF as an insurance agent, under no. 421571530, for Life and Non-Life lines. The insurance mediator does not assume risk coverage. Even so, 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 solutions can be found that are tailored to the reality of each structure, namely:
• Commission-sharing models, under the terms authorized by the insurers and defined in a written agreement
• Strategic cooperation frameworks
• Or, whenever it makes sense for both parties, portfolio migration or integration processes, always in a transparent, structured and agreed manner.
CrediSegur’s goal is to create joint value, ensuring growth, continuity and sustainability for all parties involved.
No. CrediSegur is involved only in the credit and does not offer insurance to the clients you refer to us; the client remains free to choose the mediator for their policies. The credit follow-up is always carried out in coordination with you.
The partnerships cover mainly Mortgage and Personal Credit, allowing you to respond to the most common financial needs of individual clients in an integrated, responsible way, tailored to their profile.
Introducing credit intermediation makes it possible to present Life Insurance proposals to clients with credit, who are free to choose the insurer.
This framework contributes to:
• More balanced portfolios
• Greater stability over time
• More predictable remuneration
• Healthier portfolio management
Yes. CRRF – Brokerage, Lda. (brand CrediSegur) is a tied Credit Intermediary registered with Banco de Portugal under no. 0001290 and an insurance agent registered with ASF under no. 421571530, for Life and Non-Life lines.
There can be different partnership models, tailored to the reality, maturity and goals of each mediator, namely:
• Pure partnership, in which the mediator refers credit opportunities and/or makes their client portfolio available for analysis, with remuneration on the insurance policies the client decides to take out through the mediator — opportunities that otherwise would not be worked.
• Commission-sharing models, under the terms authorized by the insurers and defined in a written agreement, ensuring that the mediator participates in the value generated while maintaining the relationship with their clients.
• Progressive integration of services, with closer operational alignment between the structures.
• Merger or acquisition, whenever there is mutual interest, strategic alignment and a willingness on the part of the mediator to remain in the business, evolving to the CrediSegur model and actively contributing to its growth.
Each model is analyzed individually, with full transparency and a focus on creating sustainable value.
Yes. In certain contexts, it may make sense for the mediator to accredit a member of their own team as a credit manager integrated into CrediSegur’s structure.
This model allows you to:
• Maintain proximity to your client portfolio
• Respond internally to credit needs
• Ensure legal framework, training and technical support
• Boost joint growth in a structured way
Each situation is assessed on a case-by-case basis, ensuring clear responsibilities and legal compliance.
Not necessarily. Each partnership is assessed individually, and the framework is defined according to the goals, 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 goals and understand whether there is alignment to grow together.
The partnership is aimed at insurance mediators registered with ASF (agents, brokers and ancillary insurance intermediaries), whether traditional or growing structures, focused on individual clients.