Embedded Pension Insurance
Offer a Long-Term and Tax-Optimized Investment Vehicle
We enable insurance brokers, wealth managers, robo-advisors, (neo-)banks, or trading-apps in Germany to offer white-label pension insurance.
Unlock tax-benefits for your customers with a diverse investment offering and create an ongoing revenue stream through management fees with long-term stickiness.
Our Offering at a Glance
Insurance ContainerOur insurance container (Private Pension Plan) is a slim and flexible layer around any funds-based investment strategy. It allows your customers to benefit from tax privileges.
White-label + APIThe fitting integration for all phases of maturity: From a white-label standalone application for your customers, continuing with embeds of individual widgets and flows and ending in raw API access to allow you to build fully customized solutions.
Investment StrategyWrap your existing investment strategy in our insurance container, or collaborate with our capital market experts on putting together suitable investment strategies.
Embedded in a Strong Ecosystem
Operating Models
If you are a licensed insurance broker we can act as pure API and software provider empowering you to offer a rich user experience to your clients and powerful tooling for your advisors.
We provide our brokerage license as a service. In this operating model we are not only running the software, but covering the regulated act of insurance brokerage and the ongoing customer support throughout the lifetime of the policy.
Case Studies
Clanq is a mobile finance app that empowers parents to save for their children’s future. For better performance, saving accounts combine cashback on every purchase and sustainable investments.
"We started with an out of the box solution and iteratively customized the experience for our families and deepened the integration. We value our pragmatic and solution-oriented collaboration."
Christina Hammer, Co-Founder and CMO
Estably is a renowned Robo-Advisor based in Liechtenstein. Their goal is to increase wealth in the long term by merging digital convenience with human investment expertise.
"Getting our joint offering live was a smooth process. We were onboarded as an asset manager, integrated the signup widget on our Website and now our customers benefit from the excellent user experience of the Estably branded pension insurance app."
Markus Prodinger, Co-Founder and CEO
The Benefits of Working With Us
Increased end-customer stickinessDue to the unlockable tax-benefits of a long-term product we are seeing increased stickiness compared to investment products without an insurance container.
End-to-end offeringIn partnership with our sister company Liechtenstein Life Assurance AG we can offer a tailor-made insurance product, effective brokerage, as well as deeply integrated software.
Quick time to marketWith our existing, full-fledged, white-label software you can get a technical integration up and running within 2-4 weeks.
Proven track record and stabilityOur users currently have 750 Million Euro of assets in over 104,200 active policies within our software.
NAV pricing
Investment-styleWhite-label
API+EmbedActive Policies
104,200Assets
€ 750 Mio
Key Software Features
Cross-PlatformOur Software is available stand-alone or integratable on the Web, iOS and Android
Rich UXOur rich user experience consists of modern and performant applications with a sleek design. Flows are highly optimized for casual and pro users alike.
Completely digital onboardingIncluding real-time Selfie ID Verification
White-labelingColors, typography, buttons and logos are customizable to match your corporate identity
Plug and playIncludes hosting, maintenance and updates
A Sneak Peek Into the App
Predicted growth scenarios
Current fund value
Possibility to make additional payments
See payment history
Document center
Death benefits & beneficiary
Let’s Talk About Your Case
Managing Director, Commercials
+49 (0) 30 1208 7872 2
dtg@prosperitysolutions.li