bavonline
Software tools for occupational pension and health insurance distribution in Germany
Overview
bavonline gmbh is a solutions provider offering software tools for occupational pension (betriebliche Altersvorsorge, bAV) and occupational health insurance (betriebliche Krankenversicherung, bKV) distribution in Germany. The company serves insurance agents and brokers who manage employee benefits programs under German regulatory requirements.
The core product, bav|guard, handles pension administration with centralized policy management, automated salary conversion, and employee self-service portals -- all hosted on DSGVO-compliant German infrastructure. Alongside it, twoforty provides lead generation and marketing automation for insurance distributors, and Care 360 offers structured advisory tools for employers evaluating occupational benefits programs. A separate B2B telemarketing service, Kommunikationscenter, supports commercial customer acquisition.
bavonline reports over 1,000 active insurance agents and brokers using its platforms. The company is bootstrapped and operates exclusively in the German-speaking market, drawing on more than 35 years of combined industry experience behind its product development.
Products & Services
bav|guard
Administration platform for managing occupational pension (bAV) and occupational health insurance (bKV) workflows. Designed for insurance agents and brokers handling employer-sponsored benefits programs.
Key Features
- Central company and policy management for bAV and bKV products
- Automated salary conversion processing
- Employee self-service portal for benefits access with DSGVO-compliant German data hosting
Target Users: Insurance agents and brokers managing employer benefit programs
twoforty
Lead generation and marketing platform for insurance distribution. Helps agents and brokers attract and track insurance leads through digital channels.
Key Features
- QR-code marketing tools for offline and online lead capture
- Integrated advertising materials shop
- Real-time conversion analytics dashboard
Target Users: Insurance agents and brokers growing their distribution pipeline
Care 360
Benefits advisory service with interactive calculators and structured frameworks for employers evaluating occupational pension and health benefit options.
Key Features
- Interactive benefits calculators
- Structured employer advisory frameworks
Target Users: Employers assessing occupational benefits programs
Kommunikationscenter
B2B telemarketing service for commercial customer acquisition in insurance products and services.
Key Features
- Outbound telemarketing for insurance product lines
- Commercial customer acquisition support
Target Users: Insurance carriers and distributors seeking new commercial clients
At a Glance
- Founded
- 2019
- Headquarters
- Gummersbach, Germany
- Employees
- 1-10
- Funding
- Bootstrapped
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Agency Management Benefits Administration Lead Generation
- Insurance Verticals
- Life & Annuity Group Benefits
- Target Customers
- Agents/Agencies, Brokers, Employers
Customers
- Insurance agents and brokers (1,000+ active users; individual client names not disclosed)
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Last updated: 2026-07-13