You Don’t Want to Be the Biggest, You Just Want to Be the Richest – A Path to a Successful Career and a Happier Life
Faces of Insurance

You Don’t Want to Be the Biggest, You Just Want to Be the Richest – A Path to a Successful Career and a Happier Life

By: Phillip Krinker

This book is a treasure trove of wisdom, drawn from 46 years of hands-on experience in the insurance world.

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Whether you’re just starting out or looking to elevate your career, this book will fuel your ambition, offering practical lessons to help you rise higher and live happier. Phillip Krinker's goal? To inspire and catapult your career to new heights, while bringing joy and fulfillment along the way. 


Starting as an 18-year-old insurance technician earning a modest salary, Phillip worked his way to executive roles at two top corporations.But his story didn’t stop there.

In 2007, with a bold vision, Phillip Krinker launched CredRisk Seguros. In just 15 years, the company skyrocketed to become the undisputed leader in Brazil’s trade credit insurance market, catching the attention of the MDS Group, which acquired it in 2022. 

In this inspiring guide, Phillip Krinker shares his four-phase career blueprint and unveils his 18 Golden Rules for success.

Through personal stories of triumphs and setbacks, he shows readers how each rule applies to real-world situations, providing a powerful toolkit for career growth. 

"His history is intertwined with that of Trade Credit insurance in Brazil"

This book tells the story of the distinguished gentleman, incredible professional, and above all, great human being that is Phillip Krinker.   

His history is intertwined with that of Trade Credit insurance in Brazil as, in my opinion, he has been not only a great enthusiast but the main ambassador of the product in the country. 

I met Phil, as he is known by everyone, nearly 10 years ago, when I was working for an international insurer, and he was leading CredRisk – the broker responsible for issuing the very first Trade Credit policy with that insurer. Two characteristics impressed me greatly about Phil: his enthusiasm for Trade Credit insurance and his restlessness, always seeking the new, be that product improvements or ways to increase its penetration in the Brazilian market.  

Always with an optimistic, sometimes even romantic view of the topic, balanced with his natural pragmatism, Phil has been the key figure developing this market in Brazil, along with many of the professionals working in it - as identifying and developing young talent has always been one of his key focuses.  

As you read the pages ahead in this book, which covers his history, his golden rules, and many of the decisive moments where he had the courage to make decisions essential for success, it is clear that Phil meticulously planned each step and phase of his life – leading up to the present day and his retirement.

Ariel Couto

MDS Brazil CEO and Brokerslink Americas Regional Manager 

AUTHORS

Phillip Krinker

Phillip Krinker

Founder & CEO - CredRisk Seguros, a MDS Group company

Phillip Krinker has a degree in Management from the Armando Alvares Penteado Foundation (FAAP) of São Paulo and has devoted his professional life to insurance broking in Brazil and abroad. He started his career at Adams & Porter insurance brokers, where he led work teams in “Elementary Lines” and “Life” for 16 years. In 1994, he took on the role of Statutory Director at Alexander & Alexander in Brazil, which was acquired by Aon Risk Services in 1996.

He stayed at Aon Risk Services for 12 years, holding a number of roles including Commercial Director - Brazil, Affinity Insurance Director (specializing in Auto Manufacture Groups); Director of Infrastructure & Privatization; Director of Engineering and Property and Casualty Loss Control and, laterly, Director of Financial Lines. In 2007, he left Aon Risk Services to establish and become the main principal of CredRisk Seguros; an on-line insurance broker that specializes in, and focuses on, credit insurance and financial risk.