Overview
Vlot is a B2B life insurance and pension advisory platform for insurers, pension funds, brokers, and banks operating in the Life & Annuity segment. The company provides financial institutions with the tools to embed life insurance guidance and automated underwriting into their customer-facing digital channels.
The platform uses an API-based SaaS architecture for white-label integration, allowing clients to offer personalized life insurance recommendations without building the underlying analytics in-house. It aggregates social security entitlements, employer pension contributions, and personal financial data to identify household income gaps related to death, disability, and retirement shortfalls.
Founded in 2017 and profitable since 2022, vlot operates with a 12-person team based in Zurich, Switzerland. Its primary commercial partnership is with Generali Switzerland, where a proof of concept launched in 2020 expanded to a nationwide rollout by 2026. The company raised CHF 1M in seed funding from investors including Plug and Play Tech Center and SixThirty Ventures.
Products & Services
Life Insurance Advisory Platform
A B2B SaaS solution enabling insurers, pension funds, and banks to embed life insurance advisory into their customer channels. The platform aggregates household financial data -- including social security benefits and employer pension entitlements -- to surface coverage gaps and recommend appropriate life insurance solutions.
Key Features
- Household income gap analysis covering death, disability, and retirement
- Social security and employer pension benefit aggregation
- Personalized life insurance coverage recommendations
Target Users: Insurers, pension funds, and banks embedding life insurance advisory for retail customers
API-Based Underwriting Engine
An integration layer allowing financial institutions to offer life insurance quoting and underwriting via REST API without developing the underlying decision logic internally.
Key Features
- REST API for white-label product delivery
- Embedded quote generation and underwriting support
- Country-specific social security and pension data integrations
Target Users: Digital insurers and broker platforms adding life insurance to their distribution channels
Pension Advisory Module
A component that aggregates employer pension benefits and statutory social security entitlements to give individuals a complete view of their retirement income and identify savings gaps.
Key Features
- Country-specific pension entitlement aggregation
- Retirement income gap visualization
- Coordinated with life insurance coverage recommendations
Target Users: Pension funds and employers seeking to enhance member financial planning programs
At a Glance
- Founded
- 2017
- Headquarters
- Zurich, Switzerland
- Employees
- 11-50
- Funding
- Seed
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Embedded Insurance Digital Advisory Life Insurance Platforms
- Insurance Verticals
- Life & Annuity
- Target Customers
- Carriers, Brokers
Customers
- Generali Switzerland
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Last updated: 2026-07-13