Updated September 28, 2026 · AssureCue Editorial Team
Linxea vs Porto Seguro
Where Linxea and Porto Seguro differ
| Compare |  Linxea |  Porto Seguro |
|---|---|---|
| Premium from | €25 | R$19.90 |
| Insurance types | Life | Auto, Home, Life, Health, Travel, Pet, Motorcycle, GadgetCovers more |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Post | Mobile app, Whatsapp, Phone, Email |
| Age range | 18+ | Policy holder over 18 for phone insurance (Seguro Celular) |
Same on both: Monthly payments (Yes).
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Key differences
- Porto Seguro scores higher overall: 9.5 vs 8.9.
- Founded is lower at Porto Seguro: 1945 vs 2001.
- Insurance types: only Porto Seguro offers Auto, Home, Health.
- Claims channels: only Linxea offers Post.
- Claims channels: only Porto Seguro offers Mobile app, Whatsapp.
- Support channels: only Linxea offers Community.
Our verdict on each
Linxea
Linxea suits expats in France who want a life policy with monthly payments and a wide support choice. Fees start at €25, which sits above the €8.37 across the ranking, so the account runs on price rather than entry cost.
Porto Seguro
Porto Seguro suits Brazilian households and small companies that want a single insurer across car, home, life, health, travel, pet, motorcycle and gadget cover, all on monthly payments. It scores 7.3 overall, and the pricing runs monthly so household budgeting stays predictable.
Score breakdown
| Area | Linxea | Porto Seguro |
|---|---|---|
| Cost | 8.8Fees start at €25, above the €8.37 and the €7.95 in this ranking. | 9.3HigherStarting premium is BRL 19.90, the site median is €8.37, and Porto ranks 67 of 252 brands on it. |
| Offer | 9.1 | 9.7Higher |
| Trust | 8.9 | 9.6Higher |
Feature by feature
| Insurance types | Linxea | Porto Seguro |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | Yes | Yes |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Gadget | No | Yes |
Availability and regulation
| Country | Linxea | Porto Seguro |
|---|---|---|
| Brazil | Not confirmed | |
| France | Not confirmed |
Additional countries for Linxea: 1. Additional countries for Porto Seguro: 1.
How they place
| Ranking | Linxea | Porto Seguro |
|---|---|---|
| Life insurance | 3 of 263 | 41 of 263 |
Every fact side by side
| Fact | Linxea | Porto Seguro |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | LINXEA, societe par actions simplifiee, RCS Paris 478 958 762 | Porto Seguro Cia. de Seguros Gerais |
| Headquarters | France | Brazil |
| Founded | 2001 | 1945Lower |
| Support channels | Phone, Chat, Email, Help centre, CommunityCovers more | Phone, Chat, Help centre, Email |
Business insurance
| Fact | Linxea | Porto Seguro |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
| Industries | Not confirmed | transport, agribusiness, events, rental |
Pros and cons
Linxea
Pros
- Monthly payments are available, which most providers in this ranking also offer.
- Support runs on phone, chat and email, wider than the median provider in this ranking.
- Linxea is a broker, listed in the Orias register under 07 031 073.
Cons
- Fees start at €25, above the €7.95 for this ranking.
- Only life insurance is offered, narrower than auto, home and renters.
- The entry age starts at 18+, so younger savers cannot open an account.
Porto Seguro
Pros
- A single insurer covers auto, home and life, so a household can keep its personal policies with one provider.
- Claims open through mobile app, whatsapp and phone, which gives more routes into a claim than a phone line alone.
- Support runs on phone, chat and help centre, so policy questions go to a phone line, a chat window, a help centre or email.
Cons
- Business cover stops at public liability and property, so a company after cyber or professional indemnity lines has to look elsewhere.
- Pricing is monthly only, per monthly, so there is no annual route that could bring the cost down.
- Phone insurance is limited to adult policy holders, so a younger person cannot take that policy out in their own name.
Who each suits
Linxea
Who it suits
- Expats living in France who want a life policy with monthly payments
- Adults who prefer broker advice rather than a direct insurer
- People who want help by phone, chat, email and a help centre
Who should look elsewhere
- Anyone wanting auto, home, health or travel cover alongside life, where Good Sam Insurance Agency covers more ground
- Anyone looking for the lowest entry fee, since bonus.ch starts at CHF 0
- Borrowers comparing loan amounts, since Oney Préstamos ES quotes €1,000
Porto Seguro
Who it suits
- Households that want auto, home and life from a single Brazilian insurer, and do not need the renters policies Good Sam Insurance Agency lists in auto, home and renters.
- Motorcycle riders and gadget owners: both sit inside auto, home and life, while the list at Good Sam Insurance Agency (auto, home and renters) runs to motorcycle without gadget cover.
- Small companies in transport, agribusiness, events, rental that need public liability and property, lines that sit outside the personal list at Good Sam Insurance Agency (auto, home and renters).
Who should look elsewhere
- Renters, because that cover sits with Good Sam Insurance Agency in auto, home and renters rather than in auto, home and life.
- Readers chasing a free starting premium, since bunq's is €0.
- Businesses after cyber or professional indemnity cover, since public liability and property reaches public liability and property only. A second quote is worth taking, for example from EuroAsia Insurance, whose starting premium is UZS 60,000.
Current offers
Linxea
Current offer
Bonus
100 EUR welcome gift for opening a Linxea Spirit 2 contract for a minor child: 100 EUR
Opening a Linxea Spirit 2 contract for a minor child, under the conditions of the welcome offer
Source, checked September 26, 2026
Bonus
Boost Suravenir Opportunites 2 yield bonus on Linxea Avenir 2 (2026-2027): +1.50% net (target 4.50% net)
From 15/09/2026 to 31/12/2026, minimum 20,000 EUR deposit in free management split between the Suravenir Opportunites 2 euro fund and unit accounts; +1.00% net if at least 30% in non-guaranteed unit accounts, +1.50% net if at least 50%; excludes programmed deposits and Pacte transfers
Source, checked September 26, 2026
Porto Seguro
Current offer
Discount code
Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)
Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions
Source, checked September 26, 2026
Discount code
Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest
Contract online with the Porto Bank credit card
Source, checked September 26, 2026
Discount code
Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)
5% applies to Porto customers, 5% to payment with the Porto card; see page conditions
Source, checked September 26, 2026
Discount code
Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)
Monthly payment billed to the Cartão Porto Bank; annual option 10% off
Source, checked September 26, 2026
Bonus
Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026
Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br
Source, checked September 26, 2026
Country by country
| Country | Linxea | Porto Seguro |
|---|---|---|
| Brazil | No | Yes |
| France | Yes | No |
Questions about each
Linxea
What does a Linxea policy cost to start?+
The entry point is €25, and monthly payments are available if you would rather spread the commitment. For context, the median starting fee across this site is €8.37, and Linxea ranks at 183 out of 252 brands on this measure. So the starting figure is above the middle of the pack rather than at the budget end.
Can I pay a Linxea policy monthly?+
Yes. Monthly payments are offered, and monthly describes the payment structure. Most brands in this life insurance ranking also offer monthly payments, so this is a common feature rather than a differentiator. It still matters for cash flow, since it turns one yearly commitment into smaller sums spread through the year.
Porto Seguro
How much does Porto Seguro cost to start?+
Porto Seguro lists a starting premium of BRL 19.90, and monthly payments are available so the cost is spread across the year rather than paid as a lump sum. The listed pricing model is monthly, so budgeting follows a regular cycle. That figure sits at the entry point of the range rather than covering every level of cover.
Is Porto Seguro an insurer or a broker?+
It is an insurer, and the legal entity behind the policies is Porto Seguro Cia. de Seguros Gerais. That distinction matters for readers weighing where money rests, because an insurer holds the premium and carries the risk itself rather than handing it to another provider. Policies are written with the same company that would pay the claim.
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