Help Center

At Vitae. From the first contact to after-sales support, our concierge team takes care of the entire customer journey — you refer, we do the rest. Your focus is on the relationship, ours is on excellent service.

Yes. The commission is paid on a recurring basis with each renewal — which means that a well-made referral generates continuous results, not just a one-off one.

Yes. You can act solely as a referral agent — you refer the client and Vitae takes care of the entire sales, contracting, and customer service process. It's the simplest way to add value to your portfolio without any operational complexity.

Whichever channel is most convenient for you — WhatsApp, phone, or email. The important thing is that there will always be someone on the other end ready to assist you quickly and attentively.

Yes. For companies, the concierge acts as a strategic partner, analyzing the market, managing policies, supporting employee onboarding, and ensuring that HR doesn't have to worry about any operational details.

It's a dedicated, consultative, and continuous service model. Vitae's concierge accompanies you every step of the way: anticipating needs, resolving processes, and ensuring you never have to deal with bureaucracy or unexpected events alone.

As a one-stop shop, we work with a complete portfolio of international solutions: Health, Life, Travel, Vehicles, Home, Corporate Benefits, Liability, Asset Protection, Pets, and High-Value Assets. Everything is structured in a customized way, all in one place.

We offer personalized, proactive, and agile concierge service. Each client receives hands-on support from specialists who guide decisions, anticipate needs, and providing full support before, during, and after the contract is signed.

We operate in a consultative and strategic manner, combining a global vision, regulatory knowledge, and access to the world's leading insurance markets. We do not offer ready-made solutions — each structure is designed around the profile, assets, and risk exposure of each client.

Vitae Group is a boutique international insurance brokerage, operating on a one-stop-shop model, offering tailored solutions for individuals, families, assets, and businesses. Our greatest differentiator is our personalized and consultative concierge service, guiding the client throughout their entire journey: from the first contact to the ongoing management of their protection.

It's a personalized, consultative, and continuous service. Each client receives close support from specialists who guide decisions, make strategic adjustments over time, and ensure expert assistance.

Vitae operates in a consultative and strategic manner, combining a global vision, regulatory knowledge, and access to the world's leading insurance markets.

In addition, it offers a concierge service, which closely and continuously supports the client: before, during, and after the contract is signed.

More than just selling policies, Vitae builds customized protection structures that evolve along with life, business, and assets.

As a One Stop Shop, Vitae works with a complete portfolio of international solutions:

• Health Insurance
• Corporate Insurance
• Life Insurance
• Travel Insurance
• Auto, Marine & Aviation Insurance
• Homeowners Insurance
• High-Value Assets Insurance

All solutions are structured in a customized way, according to each client's profile, assets, and risk exposure.

Yes. We have a direct presence in 17 countries, operate in compliance with local regulations in each market, and are internationally recognized for excellence. Throughout our history, we have received industry awards that reinforce our commitment to high standards of governance and quality.

Vitae is an international insurance brokerage, specializing in structuring customized global protection solutions for individuals, families, and companies with operations or assets abroad, offering concierge service.

We conduct a customized consultation where we understand your profile and needs. From there, we present the most appropriate options for you, take care of the entire process with the insurer, and monitor each step until your plan's activation. Then, you gain access to our concierge for support throughout the entire journey.

Yes. Vitae's international health insurance is available to Brazilians in Brazil. You can purchase it regardless of where you live or your nationality.

No. You have complete freedom to choose the doctor, clinic, or hospital of your preference, in any country. No network restrictions, no geographical limitations.

The coverage is comprehensive. From preventive check-ups to specialist consultations, from routine exams to hospitalizations and highly complex treatments. Vitae's health insurance was designed to be present in everyday life, not just during times of crisis.

Vitae's international health insurance offers global coverage. It can be used in Brazil, the United States, and any other country in the world. No matter where you live, work, or are traveling, your protection goes with you.

Yes. One of the main features of international health insurance is the possibility of receiving care in different countries, depending on the geographical coverage of the plan.

In many plans, there is freedom of choice of doctors, hospitals, and medical centers, within the rules of the policy, including outside the country of residence.

Yes. Depending on the coverage plan, international health insurance may offer access to advanced treatments, including robotic procedures, innovative medical technologies, and internationally recognized centers of excellence.

Certain plans offer annual check-ups at no additional cost as part of preventive coverage, encouraging ongoing health care.

Some plans offer reimbursement for prescription medications, depending on the policy terms. This coverage may vary depending on the plan and insurer chosen.

Choosing the ideal health insurance depends on the profile, lifestyle, location, and needs of each individual, family, or company.

Therefore, Vitae conducts a personalized analysis, ensuring a solution aligned with each client's specific needs.

Yes. Vitae works with global coverage plans, which allow for care in different countries, with access to the world's leading healthcare providers, according to the policy conditions.

Yes. Vitae offers health insurance solutions for both individuals and companies, with individual, family, or corporate structures.

Unlike traditional health insurance plans, which often have geographical limitations and a restricted network, international health insurance offers greater flexibility, the possibility of receiving care in different countries, and access to global medical networks.

Coverage may include, depending on the policy:

• Medical consultations
• Tests and diagnoses
• Hospitalizations
• Surgeries and treatments
• Complementary therapies
• Urgent and emergency care

Coverage options vary depending on the plan and structure chosen.

International health insurance is a health solution that offers coverage for medical consultations, exams, hospitalizations, surgeries, and treatments, with access to high-standard medical networks in Brazil and abroad, according to the plan contracted.

For anyone traveling abroad. Whether it's a leisure trip, business trip, or exchange program, travel insurance ensures you won't be left without support in case of a medical emergency, baggage problems, or any other unforeseen event far from home.

Travel insurance is recommended for temporary trips, focusing on emergencies and unforeseen events.

International health insurance, on the other hand, is a more comprehensive solution, offering continuous coverage and access to global medical networks.

It depends on the destination. For Schengen countries, travel insurance meeting minimum coverage requirements is required as part of the visa application. For other destinations, it's not mandatory, but it's highly recommended. Unexpected events can happen, and hospitalization abroad can be very expensive without coverage.

Coverage may include, depending on the policy:

• Medical and hospital expenses
• Urgent and emergency care
• Trip cancellation or interruption
• Trip cancellation or interruption
• Assistance in case of unforeseen events during the trip.

Travel insurance is essential protection for anyone traveling abroad. It covers everything from medical and hospital emergencies to cancellations, lost luggage, and unforeseen events during the trip. It's a guarantee that if something goes wrong, you'll have immediate support wherever you are.

The policy value is transferred directly to the beneficiaries quickly and without bureaucracy, bypassing probate. Immediate liquidity for the family at a sensitive time, preserving assets and avoiding lengthy legal processes.

For those thinking long-term. It is especially suitable for people with assets or ties abroad, families who want to ensure financial stability for their dependents, and those seeking to diversify into a strong currency.

Yes. In addition to financial protection, international life insurance can be a strategic tool for estate and succession planning, contributing to the organization and preservation of assets.

International life insurance offers greater geographical flexibility, the possibility of structuring in a hard currency, and adaptation to different jurisdictions, while traditional life insurance is usually limited to local rules and coverage.

Coverage varies depending on the plan chosen, and may include:

• Death
• Disability
• Serious illnesses
• Other additional protections, as per the policy.

It is suitable for individuals, families, and business owners who live, work, or own assets abroad, or who want a protection structure aligned with a global reality.

It is a protection and financial planning tool with coverage in US dollars. It goes beyond traditional protection: it can be used as an instrument for estate planning, investment diversification, and access to cash value during your lifetime.

We cover the main vehicles in Florida: cars, motorcycles, pickups, vans, minivans, SUVs, commercial vehicles, motorhomes, ATVs, trailers, golf carts, boats, jet skis, helicopters, private jets, small and medium-sized airplanes, classic vehicles, collectibles, and supercars.

At Vitae, you receive the right solution for your profile. While dealerships and insurance companies offer standardized packages, our team analyzes your real needs, compares the best options on the market, and structures a tailor-made coverage plan. Without pushing anything that doesn't make sense for you.

Vitae works with leading insurance companies in Florida and conducts a thorough analysis of policies, ensuring solid, transparent protection structures aligned with the client's profile.

Furthermore, it offers close and continuous service, accompanying the client from the selection of the policy to support in any adjustments or claims.

Coverage varies depending on the policy and may include:

• Damage to the vehicle
• Civil liability
• Third-party Liability
• Theft or total loss
• Other additional coverages, as per contract.

The main focus is on cars, but Vitae can also structure insurance for:

• Motorcycles
• Golf carts
• Pickups and trucks
• Vans and minivans
• Commercial vehicles
• Motorhome
• ATVs
• Boats and jet skis
• Private jets
• Airplanes (small and medium-sized)
• Helicopters
• Trailers and towable vehicles
• Classic or collectible vehicles
• Exotic or super sports cars

They are offered according to the client's profile and the conditions of the insurance market.

It's a complete protection solution for all your vehicles in Florida — cars, motorcycles, boats, aircraft, and much more. Unlike traditional insurance, Vitae structures each policy in a personalized way, with dedicated follow-up and support in Portuguese, English, and Spanish.

Yes. In addition to the property's structure, we offer coverage for its contents — furniture, electronics, and personal belongings. For high-value items such as jewelry, works of art, and watches, we recommend a specific high-value goods policy.

We cover damage caused by gales, storms and other weather events, as well as fire, lightning and explosion. For specific coverages such as hurricanes and floods, our team will assess the best options available for your region.

No. We have solutions for homeowners, tenants, and investors—whether it's a primary residence, second home, or income-generating property. Each policy is structured according to your profile and property type.

Yes. In US mortgage financing, banks typically require active homeowners insurance as a condition for loan approval and maintenance.

This insurance protects the property and the financial institution against risks outlined in the policy.

A Vitae atua com seguradoras consolidadas nos Estados Unidos e realiza uma análise criteriosa das apólices, oferecendo acompanhamento próximo ao cliente para garantir uma estrutura de proteção adequada ao perfil do imóvel e do proprietário.

Yes. The home insurance structured by Vitae is designed for properties located in the United States, following the rules and requirements of the American insurance market.

Coverage varies depending on the plan and may include:

• Property damage
• Internal content and assets
• Civil liability
• Natural events, depending on the region.
• Other additional coverages, as per the policy.

Home insurance can be structured for houses and apartments, including properties for personal use, rental, or investment, according to the policy terms.

Home insurance is a solution that protects properties located in the United States against risks covered by the policy, offering financial security to the homeowner.

We work with appraisal specialists to determine the current value of each asset. This process ensures that, in the event of loss or damage, the compensation reflects the item's true value, not its original purchase price, which may be outdated.

Jewelry, watches, fine art, sculptures, collectibles, musical instruments, luxury bags and accessories, among other items of significant value. If you have a special item and are unsure if it’s eligible, our team will evaluate your case individually.

Insurance for high-value assets is structured in a customized, considering specific characteristics of the asset, insured value, storage location, use, and risks involved, according to the policy conditions.

These are assets that require a specialized insurance structure, such as jewelry, watches, works of art, collectibles, and other high-value assets, which demand differentiated protection.

Through comprehensive strategic consulting, we map the real risks of your operation, analyze the market and the best available options, and structure a set of integrated coverages, without excesses or gaps. The goal is to ensure that each policy makes sense for your business, with cost optimization and real protection.

Workers' compensation provides coverage for employees in case of work-related accidents or illnesses. In addition to protecting employees, it protects the company from labor lawsuits and, in many US states, is required by law for companies with employees.

It is the foundation of any business's protection. It covers the company's physical assets (real estate, equipment, inventory, and operations) against damage, accidents, and unforeseen events that could compromise business continuity. It is the starting point for a solid corporate protection structure.

Each coverage protects your company from a specific risk, and none replaces the other. General liability insurance does not cover a cyberattack, just as a D&O policy does not cover labor claims. Vitae Group maps the real risks of your business and structures a set of integrated coverages, ensuring that no exposure is left uncovered.

Yes. Companies of all sizes are exposed to legal and financial risks. For small and medium-sized enterprises (SMEs), an unexpected lawsuit can have an even greater impact, precisely because they have fewer reserves to absorb this type of cost. The sooner your company is protected, the better.

It depends on the sector and the type of operation. Some activities require specific coverage by law or contract, such as public tenders, commercial contracts, and certain regulated professions. But regardless of legal obligation, civil liability is one of the most important protections for any company, as a single lawsuit can compromise years of business development.

Yes. Navigate the American market with confidence. Our team offers comprehensive regulatory compliance support, ensuring that the contracted benefits align with the legal requirements of each state and that your company operates with complete legal peace of mind.

No. We serve companies with two or more employees. And the sooner your company structures a benefits package, the better. It's one of the most effective tools for attracting and retaining talent from the start, regardless of the company's size or stage of development.

At Vitae, you don't receive a ready-made package. You receive the right solution for your company's profile. We conduct a complete market benchmarking, identify the best options among the largest global insurers, and structure a tailor-made package, considering the sector, size, and profile of your employees. Furthermore, we act as a strategic partner to your HR department, taking care of all the bureaucracy and freeing your team to focus on what really matters.

Yes. The relationship is ongoing. Vitae performs active management, periodic reviews, data analysis, and restructuring whenever necessary, ensuring efficiency, protection, and predictability over time.

Because Vitae Group combines:

• Strategic and consultative vision
• Operating in Brazil and the USA
• Complete portfolio in a single ecosystem
• Established market benchmark
• Continuous concierge service
• Unified policy management
• Scalable solutions that evolve with business growth

Our corporate concierge service offers continuous, personalized, and strategic support, from implementation to active policy management.

The Vitae team handles integrations, adjustments, user support, and periodic reviews, reducing internal bureaucracy and ensuring greater agility for companies and employees.

Asset protection covers the company's physical and operational assets, including:

• Fleet insurance
• Cargo insurance
• Property insurance
• Loss of profit

Everything is structured to ensure operational continuity and financial stability in the face of unforeseen events.

Liability solutions protect companies, executives, and teams against legal, operational, and reputational risks, including:

• D&O (Directors & Officers)
• E&O (Errors & Omissions)
• General Liability
• Cyber Liability

These coverages are essential to mitigate risks, preserve reputation, and ensure sound decision-making.

The performance begins with a immersion in the business, followed by strategic analysis, market benchmarking, and the structuring of tailored solutions.

The focus is on cost-effectiveness, compliance, predictability, and business continuity, always aligned with the company's current situation and strategy.

These are global and customized solutions for employees at all levels (from operational to C-level), which may include health, life, disability, dental, and vision insurance, retirement plans (such as 401K in the US), and payroll management support, depending on the country of operation.

Vitae Group offers a complete portfolio of corporate insurance, including:

• Corporate benefits
• Civil liability
• Commercial and property insurance
• Protection for executives and leaders.

Everything integrated into a one-stop shop model, which simplifies management and ensures operational efficiency.

Yes. Vitae Group operates in the corporate insurance sector in Brazil and the United States, structuring local, international, or hybrid solutions, always in compliance with the regulatory requirements of each country.