QI Tech launches QI Seguradora and brings embedded insurance into financial journeys

On September 9, 2026, QI Tech announced the launch of its insurance vertical. Licensed by Susep, Brazil’s insurance regulator, QI Seguradora now issues and underwrites its own policies. It also runs a hub that connects partner insurers to the same platform, all on a 100% proprietary architecture.

Why insurance penetration is still low in Brazil

Brazil is the world’s 9th largest economy, yet it ranks only 42nd among the 54 countries in the OECD ranking of insurance premiums as a share of GDP, according to Fenaprevi.

Pedro Mac Dowell, founder and CEO of QI Tech, says part of the constraint is technological fragmentation. Insurance is mostly offered reactively and apart from the main transaction, often on separate platforms. This creates friction, raises costs for insurers and partners, and produces unattractive products with low conversion. Without real-time integration with financial data, offers are rarely personalized.

How QI Seguradora works

At checkout, inside the partner’s own app, insurance is offered and can be purchased in a single click (opt-in). The amount is added to the installment the customer is already paying, regardless of the journey the partner designed.

Because the platform also connects to partner insurers, a single purchase can bundle different coverages, such as life, mobile phone, credit life (prestamista) or auto, with no separate process for each product. Products are available for individuals and businesses.

A hub open to multiple insurers

The model lets multiple insurers connect to the platform, which widens the range of coverages and increases competition. The channel can also define an efficient post-sale journey. According to Mac Dowell, QI does not intend to compete with traditional insurers, but to be their main access route to digital platforms.

Transparency and a BRL 3 billion goal

The operation follows Susep’s regulatory models for distributing and integrating insurance in digital environments. Customers see the offer clearly in partner apps, with clear rules for the right of withdrawal and simplified cancellation.

QI Tech sees an opportunity to reach BRL 3 billion in premiums within three to five years, by turning its current partner base into new insurance distribution channels.