← Embedded Finance Index 2026

Caixa Vida e Previdência

“Can CAIXA's insurance/pension arm ride the parent bank's ecosystem (branches, loyalty program, forthcoming BaaS) to defend its position as one of Brazil's largest life & pension underwriters?”

HQSão Paulo, Brazil
IndustryFintech / Insurtech

The story

CAIXA Vida e Previdência (CVP) is a life-insurance and private-pension arm within the CAIXA financial conglomerate in Brazil, distributing Vida, Prestamista and Previdência products through the CAIXA branch and digital network. It is a product manufacturer / underwriter, not an embedded finance platform — its stack is inherited from the parent CAIXA ecosystem (including CAIXA's newly announced Banking-as-a-Service initiative in 2025).

Last 12 months

2025-08

Parent CAIXA launched a public tender to select a commercial partner for a Banking-as-a-Service (BaaS) program covering digital accounts, cards and credit.

2025

Ran the 'PREV IOF BACK' campaign compensating clients for IOF tax on pension contributions via incentive deposit into reserve balance.

2026-05

Launched 'Turbine seus Pontos UAU com a Previdência CAIXA' campaign integrating pension portability with CAIXA's UAU loyalty points program.

Regulated entities

regulatory licence held by Caixa Vida e Previdência

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

The stack

2 layers disclosed in Caixa Vida e Previdência’s embedded-finance stack

Insurance

CAIXA Vida e Previdência (in-house)

Investing

in the full report

Accounting gap: none

1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.