Submitted by

Bradesco Seguros

Premium
03/03/2026 Insurance Innovation
Capitalization Bond structured in a subscription model, allowing the client to participate in monthly drawings in a simple, recurring, and digital way.
Innovation details
Country
Brazil
Category
Product & Service Innovation
Keyword
Subscription products, Accessibility
Business Line
Income protection, Employee Benefits
Distribution Channel
Online / Direct

Innovation presentation

We are pioneers in the Capitalization Bonds market by launching an innovative model based on subscriptions. The client acquires a single‑payment bond and, monthly, an automatic repurchase occurs in the subscription format.

This model combines convenience and continuous experience: the client maintains participation in the drawings, increases the chances of winning, and at the same time develops the habit of saving in a light, simple, and automated way.

It is a solution aligned with new trends in recurring consumption, offering predictability, engagement, and increased loyalty.

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