{"id":711,"date":"2026-03-15T17:31:09","date_gmt":"2026-03-15T20:31:09","guid":{"rendered":"https:\/\/mutualizo.com\/?page_id=711"},"modified":"2026-04-23T10:44:51","modified_gmt":"2026-04-23T13:44:51","slug":"protecao-veicular","status":"publish","type":"page","link":"https:\/\/mutualizo.com\/index.php\/protecao-veicular\/","title":{"rendered":"Prote\u00e7\u00e3o Veicular"},"content":{"rendered":"\n
\n

Prote\u00e7\u00e3o Veicular<\/s><\/h4><\/div>\n\n\n\n

Prote\u00e7\u00e3o Patrimonial Mutualista<\/h1>\n\n\n\n

O mercado mudou. Sua opera\u00e7\u00e3o tamb\u00e9m precisa<\/p>\n\n\n\n

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Ver os caminhos poss\u00edveis<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
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Os desafios de uma PPM sem estrutura no mercado regulado<\/strong><\/h3><\/div>\n\n\n\n

Crescer sem controle n\u00e3o \u00e9 problema de tamanho. \u00c9 um risco que o crescimento escondeu e que a regula\u00e7\u00e3o vai cobrar<\/p>\n\n\n\n

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\"\"<\/figure>\n\n\n\n

Opera\u00e7\u00e3o <\/strong>sem rastreabilidade<\/strong><\/h3>\n\n\n\n

Voc\u00ea sabe quanto entra, mas n\u00e3o consegue provar como a opera\u00e7\u00e3o funciona. Planilhas, sistema limitado e controles manuais criam um risco invis\u00edvel que s\u00f3 aparece quando \u00e9 tarde demais para corrigir<\/p>\n<\/div>\n\n\n\n

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\"\"<\/figure>\n\n\n\n

Depend\u00eancia de ferramentas <\/strong><\/strong><\/h3>\n\n\n\n

A maioria das associa\u00e7\u00f5es depende de sistemas como a Hinova e de controles externos. Quando a regula\u00e7\u00e3o chega, ou quando o sistema falha, n\u00e3o h\u00e1 base para sustentar a opera\u00e7\u00e3o<\/p>\n<\/div>\n\n\n\n

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\"\"<\/figure>\n\n\n\n

Exposi\u00e7\u00e3o jur\u00eddica real<\/strong><\/strong><\/h3>\n\n\n\n

A PPM n\u00e3o precisa fazer nada errado para ser autuada. Basta ter uma opera\u00e7\u00e3o que pare\u00e7a seguro, sem documenta\u00e7\u00e3o que prove o contr\u00e1rio. Desorganiza\u00e7\u00e3o \u00e9 o risco mais caro que existe<\/p>\n<\/div>\n\n\n\n

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\"\"<\/figure>\n\n\n\n

Quatro caminhos<\/strong><\/strong><\/h3>\n\n\n\n

A LC 213\/2025 criou quatro modelos poss\u00edveis para quem opera PPM. Quem n\u00e3o souber para onde ir ou n\u00e3o tiver estrutura para transitar vai ficar para tr\u00e1s quando o prazo fechar em 2029<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

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Sua jornada at\u00e9 o mercado regulado<\/h2><\/div>\n\n\n\n

Para associa\u00e7\u00f5es cadastradas na SUSEP at\u00e9 15\/07\/2025 \u2014 LC 213\/2025<\/p><\/div>\n\n\n\n\n\n\n\n\nTimeline SUSEP \u2014 Mutualizo<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@300;400;500;600&family=Sora:wght@500;600;700&display=swap\" rel=\"stylesheet\">\n<style>\n*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\n\n:root {\n --teal: #00d4a0;\n --teal-glow: rgba(0,212,160,0.14);\n --teal-border: rgba(0,212,160,0.3);\n --surface: #05141b;\n --surface-h: #071e27;\n --text: #ffffff;\n --text-muted: rgba(255,255,255,0.55);\n --border: rgba(255,255,255,0.09);\n --radius: 12px;\n --dot: 16px;\n --dot-pad: 20px;\n}\n\nbody { background: transparent; margin: 0; }\n\n.tl {\n font-family: 'Inter', sans-serif;\n width: 100%;\n padding: 8px 0 28px;\n background: transparent;\n}\n\n\/* nav row *\/\n.tl-nav {\n display: flex;\n align-items: flex-start;\n gap: 10px;\n}\n\n\/* arrows *\/\n.tl-btn {\n flex-shrink: 0;\n width: 36px !important;\n height: 36px !important;\n min-width: 36px !important;\n min-height: 36px !important;\n max-width: 36px !important;\n max-height: 36px !important;\n margin-top: calc(var(--dot-pad) - 2px);\n border-radius: 50% !important;\n background: var(--surface) !important;\n border: 1px solid var(--teal-border) !important;\n color: var(--teal) !important;\n display: flex !important;\n align-items: center !important;\n justify-content: center !important;\n cursor: pointer;\n transition: background 0.2s, box-shadow 0.2s;\n padding: 0 !important;\n line-height: 1 !important;\n box-shadow: none !important;\n outline: none !important;\n appearance: none !important;\n -webkit-appearance: none !important;\n}\n.tl-btn:hover { background: var(--surface-h) !important; 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margin-top: 16px; flex-shrink: 0; }\n .tl-card { width: 100%; }\n}\n<\/style>\n<\/head>\n<body>\n<div class=\"tl\">\n <div class=\"tl-nav\">\n\n <div class=\"tl-btn off\" id=\"btn-l\" onclick=\"nav(-1)\" role=\"button\" aria-label=\"Anterior\">\n <svg width=\"14\" height=\"14\" viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><polyline points=\"9,2 4,7 9,12\"\/><\/svg>\n <\/div>\n\n <div class=\"tl-scroll\" id=\"tl-scr\">\n <div class=\"tl-track\">\n\n <!-- 1 -->\n <div class=\"tl-step s-done on\" onclick=\"activate(this)\">\n <div class=\"tl-dot\"><\/div>\n <div class=\"tl-card\">\n <span class=\"tl-date\">At\u00e9 15\/07\/2025<\/span>\n <span class=\"tl-badge\">Conclu\u00eddo<\/span>\n <div class=\"tl-title\">Voc\u00ea se cadastrou na SUSEP<\/div>\n <div class=\"tl-body\">\n <p>Status <strong>“Em regulariza\u00e7\u00e3o”<\/strong>. Processos sancionadores suspensos. Opera\u00e7\u00e3o autorizada at\u00e9 voc\u00ea definir seu caminho de adequa\u00e7\u00e3o.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- 2 -->\n <div class=\"tl-step s-marco\" onclick=\"activate(this)\">\n <div class=\"tl-dot\"><\/div>\n <div class=\"tl-card\">\n <span class=\"tl-date\">01\/04\/2026 (hipot\u00e9tico)<\/span>\n <span class=\"tl-badge\">Agora<\/span>\n <div class=\"tl-title\">Publica\u00e7\u00e3o da Resolu\u00e7\u00e3o CNSP\/SUSEP<\/div>\n <div class=\"tl-body\">\n <p>Marco zero dos prazos. Define crit\u00e9rios para autoriza\u00e7\u00e3o, capital m\u00ednimo, governan\u00e7a e SCI. O prazo de <strong>3 anos<\/strong> come\u00e7a a correr.<\/p>\n <span class=\"tl-tag\">\u23f1 Prazo de adequa\u00e7\u00e3o: at\u00e9 01\/04\/2029<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- 3 -->\n <div class=\"tl-step s-active\" onclick=\"activate(this)\">\n <div class=\"tl-dot\"><\/div>\n <div class=\"tl-card\">\n <span class=\"tl-badge\">Primeira decis\u00e3o<\/span>\n <div class=\"tl-title\">Encerrar atividades ou seguir em opera\u00e7\u00e3o?<\/div>\n <div class=\"tl-body\">\n <p>No prazo de <strong>180 dias<\/strong> ap\u00f3s o infralegal, op\u00e7\u00e3o de encerramento volunt\u00e1rio sem san\u00e7\u00f5es. Ap\u00f3s esse prazo, multas e san\u00e7\u00f5es se aplicam.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- 4 -->\n <div class=\"tl-step s-decision\" onclick=\"activate(this)\">\n <div class=\"tl-dot\"><\/div>\n <div class=\"tl-card\">\n <span class=\"tl-badge\">Segunda decis\u00e3o<\/span>\n <div class=\"tl-title\">Qual caminho para sua associa\u00e7\u00e3o?<\/div>\n <div class=\"tl-body\">\n <p>Quatro modelos poss\u00edveis \u2014 cada um com requisitos, prazos e complexidade distintos. O sistema que voc\u00ea usa agora precisa estar pronto para qualquer trilha.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- 5 -->\n <div class=\"tl-step s-active\" onclick=\"activate(this)\">\n <div class=\"tl-dot\"><\/div>\n <div class=\"tl-card\">\n <span class=\"tl-date\">Abr\/2026 \u2013 Abr\/2029<\/span>\n <span class=\"tl-badge\">Dentro do prazo<\/span>\n <div class=\"tl-title\">Processo de autoriza\u00e7\u00e3o e adapta\u00e7\u00e3o<\/div>\n <div class=\"tl-body\">\n <p>Constitui\u00e7\u00e3o, adequa\u00e7\u00e3o de sistemas, auditoria, relat\u00f3rios SUSEP e pedido de autoriza\u00e7\u00e3o. <strong>Sistemas prontos<\/strong> reduzem tempo e custo drasticamente.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- 6 -->\n <div class=\"tl-step s-danger\" onclick=\"activate(this)\">\n <div class=\"tl-dot\"><\/div>\n <div class=\"tl-card\">\n <span class=\"tl-date\">01\/04\/2029<\/span>\n <span class=\"tl-badge\">Prazo final<\/span>\n <div class=\"tl-title\">Prazo final de adequa\u00e7\u00e3o \u2014 art. 90, LC 213\/2025<\/div>\n <div class=\"tl-body\">\n <p>Associa\u00e7\u00f5es sem regulariza\u00e7\u00e3o ter\u00e3o cadastro <strong>cancelado na SUSEP<\/strong> e n\u00e3o poder\u00e3o mais operar prote\u00e7\u00e3o patrimonial mutualista.<\/p>\n <span class=\"tl-tag\">\u2715 Sem regulariza\u00e7\u00e3o = cancelamento<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- 7 -->\n <div class=\"tl-step s-arrival\">\n <div class=\"tl-dot\"><\/div>\n <div class=\"tl-card\">\n <span class=\"tl-badge\">\u2713 A partir de 01\/04\/2029<\/span>\n <div class=\"tl-title\">Opera\u00e7\u00e3o plena no mercado regulado<\/div>\n <div class=\"tl-body\">\n <p>Status <strong>“Regular”<\/strong> na SUSEP. Opera\u00e7\u00e3o sob supervis\u00e3o integral. Credibilidade e seguran\u00e7a jur\u00eddica para associados e o mercado.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n\n <div class=\"tl-btn\" id=\"btn-r\" onclick=\"nav(1)\" role=\"button\" aria-label=\"Pr\u00f3ximo\">\n <svg width=\"14\" height=\"14\" viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><polyline points=\"5,2 10,7 5,12\"\/><\/svg>\n <\/div>\n\n <\/div>\n<\/div>\n\n<script>\nvar scr = document.getElementById('tl-scr');\nvar bl = document.getElementById('btn-l');\nvar br = document.getElementById('btn-r');\n\nfunction nav(d) { scr.scrollBy({ left: d * 208, behavior: 'smooth' }); }\n\nfunction upd() {\n bl.classList.toggle('off', scr.scrollLeft <= 2);\n br.classList.toggle('off', scr.scrollLeft + scr.clientWidth >= scr.scrollWidth - 2);\n}\n\nscr.addEventListener('scroll', upd);\nsetTimeout(upd, 150);\n\n\/* hide arrows on mobile *\/\nfunction checkMobile() {\n var hide = window.innerWidth <= 640;\n bl.style.display = hide ? 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Encerramento compuls\u00f3rio. Processos sancionat\u00f3rios retomados. Associados sem cobertura<\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-b9036bc2\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\"> \n\t\t\t<div class=\"uagb-icon-wrapper uagb-block-e86ec44f wp-block-uagb-icon--has-margin \"\n\t\t\tstyle=\"\" >\n\t\t\t\t\t\t\t\t<div class='uagb-icon-margin-wrapper'>\n\t\t\t\t\t\t\t\t\t<span class=\"uagb-svg-wrapper\" \n\t\t\t\t\t aria-label=\"circle-check\"\t\t\t\t\ttabindex=\"0\">\t\t\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 512 512\" role=\"graphics-symbol\" aria-hidden=\"false\" aria-label=\"\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-907615d5\"><h6 class=\"uagb-heading-text\">Com regulariza\u00e7\u00e3o \u2192 status “Regular”<\/h6><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-36cdd649\"><p class=\"uagb-heading-text\">Opera\u00e7\u00e3o plena autorizada. Credibilidade com associados e mercado. Capacidade de crescer no novo ambiente regulado<\/p><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"caminhos\" class=\"wp-block-uagb-container uagb-block-d4161366 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-fd5857b1\"><h2 class=\"uagb-heading-text\">Caminhos poss\u00edveis, qual \u00e9 o da sua associa\u00e7\u00e3o?<\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-d412bf2c\"><p class=\"uagb-heading-text\">A LC 213\/2025 n\u00e3o criou uma \u00fanica obriga\u00e7\u00e3o, criou quatro modelos. Cada um tem requisitos, prazos e complexidade diferentes. Entender qual faz sentido para a sua realidade \u00e9 o primeiro passo para chegar regularizado em 2029.<\/p><\/div>\n\n\n\n<div data-aos= \"fade\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-tabs uagb-block-359649d1 uagb-tabs__wrap uagb-tabs__hstyle3-desktop uagb-tabs__vstyle6-tablet uagb-tabs__stack1-mobile\" data-tab-active=\"0\"><ul class=\"uagb-tabs__panel uagb-tabs__align-center\" role=\"tablist\"><li class=\"uagb-tab uagb-tabs__active\" role=\"none\"><a href=\"#uagb-tabs__tab0\" class=\"uagb-tabs-list uagb-tabs__icon-position-left\" data-tab=\"0\" role=\"tab\"><div>Administradora de PPM pr\u00f3pria<\/div><\/a><\/li><li class=\"uagb-tab \" role=\"none\"><a href=\"#uagb-tabs__tab1\" class=\"uagb-tabs-list uagb-tabs__icon-position-left\" data-tab=\"1\" role=\"tab\"><div>Cooperativa de seguros<\/div><\/a><\/li><li class=\"uagb-tab \" role=\"none\"><a href=\"#uagb-tabs__tab2\" class=\"uagb-tabs-list uagb-tabs__icon-position-left\" data-tab=\"2\" role=\"tab\"><div>Estipulante de seguro coletivo<\/div><\/a><\/li><li class=\"uagb-tab \" role=\"none\"><a href=\"#uagb-tabs__tab3\" class=\"uagb-tabs-list uagb-tabs__icon-position-left\" data-tab=\"3\" role=\"tab\"><div>Grupo PPM vinculado a adm. terceira<\/div><\/a><\/li><\/ul><div class=\"uagb-tabs__body-wrap\">\n<div data-aos= \"fade\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-0\" aria-labelledby=\"uagb-tabs__tab0\">\n<p>Maior autonomia e controle total da opera\u00e7\u00e3o. A associa\u00e7\u00e3o constitui uma S.A. de objeto exclusivo e solicita autoriza\u00e7\u00e3o SUSEP. Complexidade alta, maior independ\u00eancia.<\/p>\n<\/div>\n\n\n\n<div data-aos= \"fade\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-1\" aria-labelledby=\"uagb-tabs__tab1\">\n<p>Novo modelo jur\u00eddico, maior robustez segundo a SUSEP. Migra\u00e7\u00e3o gradual da base de associados para cooperados. Prazo de migra\u00e7\u00e3o vari\u00e1vel. Requer constitui\u00e7\u00e3o e autoriza\u00e7\u00e3o.<\/p>\n<\/div>\n\n\n\n<div data-aos= \"fade\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-2\" aria-labelledby=\"uagb-tabs__tab2\">\n<p>Caminho mais r\u00e1pido. A associa\u00e7\u00e3o contrata ap\u00f3lice coletiva com seguradora regulada. N\u00e3o depende do infralegal PPM, pode ser implementado imediatamente. Menor autonomia operacional.<\/p>\n<\/div>\n\n\n\n<div data-aos= \"fade\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-3\" aria-labelledby=\"uagb-tabs__tab3\">\n<p>Associa\u00e7\u00e3o vincula sua opera\u00e7\u00e3o a uma administradora de PPM autorizada pela SUSEP. Mant\u00e9m a base de associados, perde a gest\u00e3o direta. Opera\u00e7\u00e3o supervisionada pela administradora contratada.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-81ed0ac5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\" id=\"form\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/mutualizo.com\/index.php\/mz-protecao\/\">Conhecer a arquitetura do MZ Prote\u00e7\u00e3o<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-77aca80d alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-fe4c3aaa\"><h2 class=\"uagb-heading-text\"><strong>Por que iniciar com o Mutualizo agora, antes da autoriza\u00e7\u00e3o?<\/strong><\/h2><\/div>\n\n\n\n<p>A SUSEP avaliar\u00e1 seu pedido de autoriza\u00e7\u00e3o considerando a robustez do SCI e a qualidade das opera\u00e7\u00f5es hist\u00f3ricas. Quem j\u00e1 opera com o Mutualizo n\u00e3o apresenta uma promessa, apresenta um hist\u00f3rico operacional comprovado.<\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/icon_mutualizo.png\" alt=\"\" class=\"wp-image-203\" style=\"box-shadow:none\"\/><\/figure>\n\n\n\n<p>Controles internos (SCI) prontos antes do prazo<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/icon_mutualizo.png\" alt=\"\" class=\"wp-image-203\" style=\"box-shadow:none\"\/><\/figure>\n\n\n\n<p>Relat\u00f3rios no formato SUSEP j\u00e1 estruturados<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/icon_mutualizo.png\" alt=\"\" class=\"wp-image-203\" style=\"box-shadow:none\"\/><\/figure>\n\n\n\n<p>Segrega\u00e7\u00e3o patrimonial por grupo configurada<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/icon_mutualizo.png\" alt=\"\" class=\"wp-image-203\" style=\"box-shadow:none\"\/><\/figure>\n\n\n\n<p>Auditoria cont\u00e1bil facilitada desde o in\u00edcio<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/icon_mutualizo.png\" alt=\"\" class=\"wp-image-203\" style=\"box-shadow:none\"\/><\/figure>\n\n\n\n<p>Hist\u00f3rico operacional como diferencial no pedido SUSEP<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/icon_mutualizo.png\" alt=\"\" class=\"wp-image-203\" style=\"box-shadow:none\"\/><\/figure>\n\n\n\n<p>Base de dados port\u00e1vel para qualquer trilha<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/04\/person-pressing-power-button-scaled.jpg\" alt=\"\" class=\"wp-image-763\" style=\"border-top-left-radius:1.2rem;border-top-right-radius:1.2rem;border-bottom-left-radius:1.2rem;border-bottom-right-radius:1.2rem;aspect-ratio:3\/4;object-fit:cover\" srcset=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/04\/person-pressing-power-button-scaled.jpg 2560w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/04\/person-pressing-power-button-300x200.jpg 300w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/04\/person-pressing-power-button-1024x683.jpg 1024w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/04\/person-pressing-power-button-768x512.jpg 768w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/04\/person-pressing-power-button-1536x1024.jpg 1536w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/04\/person-pressing-power-button-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-7de1ed78 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-ffc36bf0\"><h2 class=\"uagb-heading-text\"><strong><strong>O risco de esperar<\/strong><\/strong><\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-7fb00f6c\"><h6 class=\"uagb-heading-text\">3 anos de prazo, mas quem come\u00e7a cedo chega mais forte. A SUSEP estima at\u00e9 20 administradoras autorizadas no primeiro ano. A competi\u00e7\u00e3o por vagas \u00e9 real<\/h6><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0\"> \n\t\t\t<div class=\"uagb-icon-wrapper uagb-block-ae10aa63 wp-block-uagb-icon--has-margin \"\n\t\t\tstyle=\"\" >\n\t\t\t\t\t\t\t\t<div class='uagb-icon-margin-wrapper'>\n\t\t\t\t\t\t\t\t\t<span class=\"uagb-svg-wrapper\" \n\t\t\t\t\t aria-label=\"circle-check\"\t\t\t\t\ttabindex=\"0\">\t\t\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 512 512\" role=\"graphics-symbol\" aria-hidden=\"false\" aria-label=\"\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3c714f3d\"><h6 class=\"uagb-heading-text\">Retrabalho dobrado na hora da habilita\u00e7\u00e3o<\/h6><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"> \n\t\t\t<div class=\"uagb-icon-wrapper uagb-block-a94eca0a wp-block-uagb-icon--has-margin \"\n\t\t\tstyle=\"\" >\n\t\t\t\t\t\t\t\t<div class='uagb-icon-margin-wrapper'>\n\t\t\t\t\t\t\t\t\t<span class=\"uagb-svg-wrapper\" \n\t\t\t\t\t aria-label=\"circle-check\"\t\t\t\t\ttabindex=\"0\">\t\t\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 512 512\" role=\"graphics-symbol\" aria-hidden=\"false\" aria-label=\"\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3e24bebc\"><h6 class=\"uagb-heading-text\">Sem hist\u00f3rico para apresentar \u00e0 SUSEP<\/h6><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"> \n\t\t\t<div class=\"uagb-icon-wrapper uagb-block-64b1cee4 wp-block-uagb-icon--has-margin \"\n\t\t\tstyle=\"\" >\n\t\t\t\t\t\t\t\t<div class='uagb-icon-margin-wrapper'>\n\t\t\t\t\t\t\t\t\t<span class=\"uagb-svg-wrapper\" \n\t\t\t\t\t aria-label=\"circle-check\"\t\t\t\t\ttabindex=\"0\">\t\t\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 512 512\" role=\"graphics-symbol\" aria-hidden=\"false\" aria-label=\"\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-7c47820b\"><h6 class=\"uagb-heading-text\">Migra\u00e7\u00e3o de sistema durante o processo de autoriza\u00e7\u00e3o<\/h6><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"> \n\t\t\t<div class=\"uagb-icon-wrapper uagb-block-7e8a9d86 wp-block-uagb-icon--has-margin \"\n\t\t\tstyle=\"\" >\n\t\t\t\t\t\t\t\t<div class='uagb-icon-margin-wrapper'>\n\t\t\t\t\t\t\t\t\t<span class=\"uagb-svg-wrapper\" \n\t\t\t\t\t aria-label=\"circle-check\"\t\t\t\t\ttabindex=\"0\">\t\t\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 512 512\" role=\"graphics-symbol\" aria-hidden=\"false\" aria-label=\"\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-67cb1b01\"><h6 class=\"uagb-heading-text\">Custo maior, prazo menor, press\u00e3o maior<\/h6><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"> \n\t\t\t<div class=\"uagb-icon-wrapper uagb-block-859dde2c wp-block-uagb-icon--has-margin \"\n\t\t\tstyle=\"\" >\n\t\t\t\t\t\t\t\t<div class='uagb-icon-margin-wrapper'>\n\t\t\t\t\t\t\t\t\t<span class=\"uagb-svg-wrapper\" \n\t\t\t\t\t aria-label=\"circle-check\"\t\t\t\t\ttabindex=\"0\">\t\t\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 512 512\" role=\"graphics-symbol\" aria-hidden=\"false\" aria-label=\"\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3ae73469\"><h6 class=\"uagb-heading-text\">Concorrentes que come\u00e7aram cedo j\u00e1 estar\u00e3o autorizados<\/h6><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-81ed0ac5 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\" id=\"form\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/mutualizo.com\/index.php\/mz-protecao\/\">Conhecer a arquitetura do MZ Prote\u00e7\u00e3o<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-ff20067a alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-16f3e248\"><h2 class=\"uagb-heading-text\"><strong>MZ Prote\u00e7\u00e3o:<\/strong> a infraestrutura que a sua PPM precisa para operar de verdade<\/h2><\/div>\n\n\n\n<p>O sistema operacional completo constru\u00eddo para a realidade das Associa\u00e7\u00f5es de Prote\u00e7\u00e3o Patrimonial Mutualista com rastreabilidade, governan\u00e7a e conformidade com o novo marco regulat\u00f3rio.<br><br><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/mutualizo.com\/index.php\/mz-protecao\/\">Explorar a solu\u00e7\u00e3o MZ Prote\u00e7\u00e3o<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"border-style:none;border-width:0px;flex-basis:100%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1903\" height=\"1668\" src=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/mzseguro_mockup1.png\" alt=\"\" class=\"wp-image-473\" style=\"box-shadow:none\" srcset=\"https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/mzseguro_mockup1.png 1903w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/mzseguro_mockup1-300x263.png 300w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/mzseguro_mockup1-1024x898.png 1024w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/mzseguro_mockup1-768x673.png 768w, https:\/\/mutualizo.com\/wp-content\/uploads\/2026\/03\/mzseguro_mockup1-1536x1346.png 1536w\" sizes=\"auto, (max-width: 1903px) 100vw, 1903px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"form\" class=\"wp-block-uagb-container uagb-block-c535e16c alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-d46bffd0\"><h2 class=\"uagb-heading-text\"><strong>Fa\u00e7a como os gigantes e contrate as solu\u00e7\u00f5es Mutualizo para a sua opera\u00e7\u00e3o<\/strong><\/h2><\/div>\n\n\n\n<p class=\"has-text-align-left\">Entre em contato com nossa equipe atrav\u00e9s dos canais ou preencha o formul\u00e1rio e envie sua mensagem<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f100-o1\" lang=\"pt-BR\" dir=\"ltr\" data-wpcf7-id=\"100\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/index.php\/wp-json\/wp\/v2\/pages\/711#wpcf7-f100-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formul\u00e1rios de contato\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"100\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"pt_BR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f100-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><label> Nome completo<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Empresa<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"text-empresa\"><input size=\"40\" maxlength=\"400\" minlength=\"4\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"text-empresa\" \/><\/span> <\/label>\n<\/p>\n<p><label> Seu e-mail<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> WhatsApp<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-whatsapp\"><input size=\"40\" maxlength=\"400\" minlength=\"8\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"tel-whatsapp\" \/><\/span> <\/label>\n<\/p>\n<p><label> Produto de interesse<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"select-produto-interesse\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"select-produto-interesse\"><option value=\"\">—Escolha uma op\u00e7\u00e3o—<\/option><option value=\"MZ Seguros\">MZ Seguros<\/option><option value=\"MZ Certificadora\">MZ Certificadora<\/option><\/select><\/span> <\/label>\n<\/p>\n<p><label> Setor de atua\u00e7\u00e3o<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"select-setor-atuacao\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"select-setor-atuacao\"><option value=\"\">—Escolha uma op\u00e7\u00e3o—<\/option><option value=\"Seguradora\">Seguradora<\/option><option value=\"Cooperativa\">Cooperativa<\/option><option value=\"Desmontadora\">Desmontadora<\/option><option value=\"Montadora\">Montadora<\/option><option value=\"PPM\">PPM<\/option><option value=\"Recicladora\">Recicladora<\/option><option value=\"Outros\">Outros<\/option><\/select><\/span> <\/label>\n<\/p>\n<p>Ao preencher o formul\u00e1rio, concordo em receber comunica\u00e7\u00f5es da Mutualizo.\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enviar\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Prote\u00e7\u00e3o Veicular Prote\u00e7\u00e3o Patrimonial Mutualista O mercado mudou. Sua opera\u00e7\u00e3o tamb\u00e9m precisa Os desafios de uma PPM sem estrutura no […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-711","page","type-page","status-publish","hentry"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"Ricardo Xavier","author_link":"https:\/\/mutualizo.com\/author\/ricardo\/"},"uagb_comment_info":0,"uagb_excerpt":"Prote\u00e7\u00e3o Veicular Prote\u00e7\u00e3o Patrimonial Mutualista O mercado mudou. Sua opera\u00e7\u00e3o tamb\u00e9m precisa Os desafios de uma PPM sem estrutura no […]","_links":{"self":[{"href":"https:\/\/mutualizo.com\/index.php\/wp-json\/wp\/v2\/pages\/711","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutualizo.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mutualizo.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mutualizo.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mutualizo.com\/index.php\/wp-json\/wp\/v2\/comments?post=711"}],"version-history":[{"count":51,"href":"https:\/\/mutualizo.com\/index.php\/wp-json\/wp\/v2\/pages\/711\/revisions"}],"predecessor-version":[{"id":847,"href":"https:\/\/mutualizo.com\/index.php\/wp-json\/wp\/v2\/pages\/711\/revisions\/847"}],"wp:attachment":[{"href":"https:\/\/mutualizo.com\/index.php\/wp-json\/wp\/v2\/media?parent=711"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}