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Vinlivt

White-label digital distribution platform for insurance brokers and financial advisors

Distribution & Sales Startup Seed
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Overview

Vinlivt is a digital distribution platform for independent insurance brokers, financial advisors, and sales organizations in Germany. The platform enables intermediaries to deploy a white-labeled customer-facing financial manager app under their own brand, covering insurance portfolios, financial products, bank accounts, and investment oversight in a single view.

The platform is delivered as SaaS and provides a full advisory workflow: automated digital onboarding, AI-driven contract recognition through open banking data analysis, GDPR-compliant secure messaging, and legally binding electronic signatures. A REST API and third-party automation connectors allow enterprise customers and distributor networks to integrate the platform with existing systems. The company operates on a licensing and subscription revenue model rather than product commissions, positioning itself as infrastructure for financial intermediaries rather than a consumer-facing product.

Founded in 2021 by two former Check24 executives, Vinlivt reached more than 500 broker customers and 50,000 end users by September 2025. A EUR 3.5 million seed round closed in September 2025, led by Tenity (formerly SIX Fintech Ventures), and the company has raised approximately EUR 5.2 million in total funding across five rounds including a government innovation grant from ILB (Investitionsbank des Landes Brandenburg).

Products & Services

Financial Home App

A white-label mobile (iOS and Android) and web app that financial intermediaries deploy to clients under their own brand. Clients get a unified view of all insurance policies, financial products, investments, and bank accounts. The platform reports up to a 200% increase in contract density for intermediary users.

Key Features

  • Consolidated portfolio view across insurance, investments, and banking
  • Pension consolidation and expense tracking
  • Insurance coverage overview and optimization suggestions
  • Saving plans and investment opportunities

Target Users: Independent insurance brokers and financial advisors distributing to retail clients

Automated Digital Onboarding

A guided client enrollment flow that shortens onboarding from approximately 30 minutes to 5 minutes through self-service steps and automatic data import. For enterprise deployments, onboarding can be reduced from days to seconds.

Key Features

  • Self-service guided setup
  • Automatic import of existing contracts and account data
  • Scalable for enterprise and distributor networks

Target Users: Brokers and financial sales organizations onboarding new clients

Smart Contract Recognition

AI-powered analysis of client banking transaction data to automatically identify, categorize, and consolidate existing insurance policies and financial products without manual entry.

Key Features

  • Automatic detection of insurance contracts from bank transaction data
  • Portfolio consolidation without manual data entry
  • Up-to-date broker portfolio view for the intermediary

Target Users: Insurance brokers and financial advisors managing client portfolios

GDPR-Compliant Messenger

An integrated secure messaging system with push notifications and video message support, designed to meet German data protection requirements for financial advisory communications.

Key Features

  • Push notifications and video messages
  • GDPR-compliant data handling
  • Secure advisor-to-client communication channel

Target Users: Financial advisors communicating with retail clients in Germany

Open Banking Integration

Multi-bank connectivity allowing clients to link bank accounts for real-time financial data aggregation. The platform surfaces targeted sales opportunities and financial optimization suggestions based on aggregated data, with claimed annual savings of up to EUR 24,500 per user.

Key Features

  • Multi-bank account linking
  • Real-time financial data aggregation
  • Sales opportunity identification for brokers

Target Users: Brokers seeking data-driven cross-sell and upsell insights

REST API and Integrations

An open API and Make Automation connectors for connecting enterprise customers, large distributor networks, and insurance carriers directly to the Vinlivt platform.

Key Features

  • REST API for system integration
  • Make Automation connector
  • Enterprise and distributor network support

Target Users: Enterprise broker pools and insurance companies integrating with existing systems

At a Glance

Founded
2021
Headquarters
Munich, Germany
Employees
11-50
Funding
Seed

Category & Focus

Category
Distribution & Sales
Subcategories
Broker management platform digital onboarding client portal
Insurance Verticals
Life & Annuity P&C Personal Group Benefits
Target Customers
Brokers, Agents/Agencies

Customers

  • Covago GmbH
  • VB Select
  • Finances Steinberger GmbH and Co. KG
  • indivo GmbH
  • Value Finance GmbH
  • Ankerfinanz

Links

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Last updated: 2026-06-19