Overview
vlot Ltd. is a B2B SaaS platform for life insurance and pension advisory, serving insurers, brokers, banks, and pension funds in Switzerland. The platform enables financial institutions to deliver digital financial wellbeing assessments to their end clients, converting complex social security and pension data into visual gap analyses and product recommendations.
vlot's white-label, API-first platform is embedded within partner workflows, allowing advisors to complete advisory sessions in minutes rather than hours. Founded in 2017 by Daniel Schmidheiny and Sandro Matter, the company pivoted from B2C to a B2B2C model in 2019 and reached profitability in 2022.
The company holds ISO 27001, ISO 9001, and ISO 14001 certifications and has been recognized as a DIA Top 100 InsurTech and an ITI Future 50 Europe firm. Enterprise clients include Generali Switzerland, Helvetia, PAX, and Clark, across the Swiss insurance and pension market.
Products & Services
Financial Wellbeing Platform
A modular, white-label SaaS platform for insurers, brokers, banks, and pension funds. Converts social security and pension data into visual insights and product recommendations tailored to individual clients' life and disability coverage gaps.
Key Features
- Multi-pillar pension and risk assessment
- Automated gap identification for death, disability, and retirement scenarios
- Partner-branded UI with full customization
- API integration into partner CRM and customer portal systems
Target Users: Life insurance carriers, pension funds, banks, brokers
Gap Analysis & Advisory Tools
Digital tools supporting both self-service (end-client) and expert-guided (advisor) workflows. Enables advisors to identify coverage gaps and initiate product conversations from a data-driven foundation.
Key Features
- Income and savings gap modeling
- Side-by-side scenario comparisons
- Structured conversation guides for brokers
- Reduction of advisory session time from hours to minutes
Target Users: Insurance brokers, bank advisors, pension fund consultants
Financial Well-Being Score
An engagement module that produces a single financial wellbeing score for each client, giving advisors a starting point for ongoing conversations and follow-up.
Key Features
- Personalized scoring based on individual financial profile
- Benchmark comparisons
- Integration into advisor workflows as an engagement driver
Target Users: Insurers and banks deploying ongoing client engagement programs
Mortgage Optimizer
A cross-selling module for real estate-related financial planning, enabling pension funds and banks to offer integrated mortgage and protection recommendations.
Key Features
- Mortgage-linked protection analysis
- Integrated product recommendations
- Designed for pension fund and banking clients
Target Users: Pension funds, banks
AI-Ready Data Packages
Structured, enriched data outputs designed for use in AI and advanced analytics workflows, enabling partners to build recommendation and analytical capabilities on top of the vlot platform.
Target Users: Technology teams at insurers and financial institutions
Professional Services
Implementation support, platform customization, API integration, rollout coordination, and staff training for partner deployments.
Target Users: Enterprise clients integrating vlot into existing systems
At a Glance
- Founded
- 2017
- Headquarters
- Zurich, Switzerland
- Employees
- 11-50
- Funding
- Seed (CHF 1.4M+)
Category & Focus
- Category
- Customer Engagement
- Subcategories
- Financial wellbeing advisory gap analysis digital distribution white-label SaaS pension planning
- Insurance Verticals
- Life & Annuity Group Benefits
- Target Customers
- Carriers, Brokers, Agents/Agencies
Customers
- **Generali Switzerland** - Full national rollout; vlot serves as the backbone of Generali's digital life insurance advisory tool, following a 2020 proof of concept through the Generali House of Insurtech Switzerland program
- **PAX** - Swiss pension fund; 80%+ of users who identified gaps through vlot took action on product recommendations
- **Helvetia** - Swiss insurance group
- **Clark** - Digital insurance broker
- **BVG Digital** - Pension fund technology provider
- **ABES** - Insurance broker platform; advisor sessions reduced from hours to minutes
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Last updated: 2026-05-18