Who we are

We are Wiz

We provide financial services and insurance across our multichannel platform. We deliver knowledge from data and connect people to businesses, opportunities to needs, in order to empower business relations. For more than 40 years operation, we have developed and implemented integrated platforms of customer relations and sales, ensuring agility and nationwide coverage.

We operate primarily as Caixa Seguradora’s insurance broker, and we are the exclusive broker in the sale of individual and corporate insurance products, Pension plans, Capitalization plans, and Consortiums, in the distribution channels of CAIXA, one of Brazil’s major banks, counting with a client base composed of over 84 million clients.

The main distribution channel which we have access to is CAIXA’s branch network, and is composed of:

3,415 CAIXA branches.
10,286 independent bank correspondents and
13,017 lottery outlets.

We believe in the transforming power of our employees and in our technology to deliver positive impacts to the system. That´s the way we achieve the perfect match between our services to the client´s needs, from different contexts and channels.


3 pillars drive our business conduct:


Here in Wiz, our employees have vision and action. We are not afraid of taking risks, we have the freedom to create and develop new solutions to old problems. After all, we believe we are beta and we are, constantly, looking forward to achieve our better version of ourselves.

Wizzers are innovative and proactive people. We use technology in our favor to create precise solutions to our clients and aggregate more value to our business. We are always challenging ourselves in order to increasingly achieve better and consistent results.

We use teamwork to deliver the best results achievement, we engage ourselves in each one of the developing activities and we value the fulfilled accomplishments.


In Wiz, innovation takes its place. We provide to our costumers ans employees the transforming power they need through technology. This spirit creates an open and engaged environment to digital experiences.

All our solutions are cloud based and developed among accross platforms.


Our corporative governance structure is composed by an Administration Board and an Executive Directory, alongside there are 3 main committees: Auditor Committee, the committee for Related Parts Transactions Analysis and a committee for People and Compensations Analysis.

Our stocks are listed on “”Novo Mercado”” from São Paulo stocks exchange (B³), that is compliant to the most elevated corporative governance standards, since our Initial Primary Offer in June 15.

Main products commercialized


This includes individual life insurance policies offered to CAIXA´s clients through its branches. It is currently our most important product in terms of revenue. Life Insurance is extremely important in the bancassurance model, and we believe that it has great potential for growth among CAIXA‘s client base. The sale of life insurance is suited to using bancassurance channel mainly due to: (i) the simplicity of the product, (ii) agility at the time of the sale, as well as convenient payment through automatic debiting from client‘s bank accounts.

Life Insurance is divided into two main segments:

Individuals: Offered directly throughout the entire branch network of CAIXA´s checking and savings account holders. The main product in this segment is ‘Vida da Gente’, which provides coverage for death by natural causes and accidents, and offers benefits including monthly raffles, a Home Check-up program, and funeral assistance. Other products for individuals include ‘Amparo’ insurance, which is sold exclusively through lottery outlets and independent banking agents.

Corporate: Offered to CAIXA’s corporate client base, which mainly comprises small and medium-sized companies. The main product in the segment is ‘Vida Empresarial’, which provides simplified coverage and benefits, in line with the profile of CAIXA´s clients.

Mortgage Insurance

Mortgage Insurance is essential for the granting of home loans. The purchase of mortgage Insurance is mandatory in Brazil when a client obtains a home loan. The product includes two types of coverage:

Death or permanent disability insurance: This insurance guarantees that in the event of the death or disability of the insured, the home financing contract will be settled by the insurer.

The cost of this life insurance changes depending on the age of the contracting party at the time the financing contract is signed, and on age classification adjustments that take place every five years.

Physical property damage: This insurance protects against structural damage to property, and its cost is based on CAIXA’s assessment of the value of the property.

The commission revenue from mortgage insurance represents a significant strategic advantage for us, given that the stream of long-term payments generates a revenue stock, meaning that sales originated in previous years are even more relevant than new sales in terms of brokerage revenues, thus affording us a more predictable revenue stream.

Credit Insurance

Credit Insurance serves as a guarantee to the party that obtains the financing and in the event of death or disability of the insured, their debt will be discharged. This insurance represents an important comfort both to the contracting party, as it eliminates the risk that their family must bear the debt in the event of death, and to the lending financial institution, because it diminishes defaults and guarantees the settlement of the debt in the event of a claim.

P&C (Auto, Residential Property and Business Multi-Risk)

P&C comprises three product lines:

Auto: Caixa Seguradora Auto Insurance provides basic coverage for collision, fire, theft, robbery, personal injury and property damage caused to third parties. Additional coverage for windows and courtesy car, among others, may be added to the insurance policy. Our performance in selling auto insurance has contributed significantly to sustaining the growth levels of this product for Caixa Seguradora, given that purchases of Auto Insurance by clients frequently take place outside bancassurance channels. Accordingly, our remote distribution channels play a strategic role in the sale and renewal of auto insurance.

Residential Property: This product consists of insurance coverage to residential property owners. CAIXA’s environment provides great growth potential for residential property insurance, since CAIXA’s brand is strongly associated with mortgage. As it is a product that is renewable annually, it creates a long-term relationship with the client.

Business Multi-Risk: Business Multi-Risk Insurance is property insurance for corporate clients. The product offers a wide range of coverage to policyholders, above and beyond basic coverage for fire and explosion. Additional coverage can be included based on the business segment of the insured company. In addition, with the strengthening of the market for revolving credit to companies, several financial institutions have been requiring insurance coverage for transactions to guarantee business continuity.

Other Products

This group includes commission revenue from the sale of three kinds of products: pension, consortium and capitalization plans. These products represent a small portion of our revenue and their main characteristic is the fact that in many cases they can serve as substitutes for traditional financial products such as savings, mortgage and investments.

Special Risks

We commercialize special risks products through one of our subsidiaries. The sales of these products are originated both outside CAIXA’s environment, as well as through referrals made by the bank’s branches and its departments. The process of selling special risks insurance is consultative, and it depends on actuarial specifications regarding the underwriting risks to be accepted by the insurer. Since the sales process is more complex, the commission rates are usually higher than for bancassurance products. In this category, we sell products from other insurers outside CAIXA’s distribution channels, and the main products we sell are: (i) Various Warranties; (ii) Completion of Construction; (iii) Group Life; and (iv) Rural Insurance.

Consortium and attached insurance products

We prospect and activate commercial strategic partners to offer corsortium and it´s attached insurance products outside CAIXA’s branches, across more than 2,500 sales points countrywide. The main products that are offered are: (i) Auto and Housing consortium letters; (ii) credit insurance and (iii) Warranty Default insurance. The consortium is a product from Caixa Consórcios that is sold directly by Wiz´s team and, mainly, by our partners’ network from what Wiz is responsible for the activation, guidance, and training. The Credit Insurance grants the payout of the credit from a customer in case of death or disability (product from Caixa Seguradora). The Credit Default Insurance grants a pool od costumers against defaults of its participants (product from Previsul, mandatory for all Caixa Consórcios consortium contracts).