Xempus AG

What Xempus AG does

Xempus AG (operating through Xempus Deutschland GmbH) is a Munich-based InsurTech SaaS platform that provides digital infrastructure for the administration of occupational pensions (betriebliche Altersvorsorge, or bAV), corporate health insurance (bKV), and occupational disability insurance (bAKS) in Germany. Founded in 2007 and headquartered at Arnulfstraße 126, Munich, the company serves three primary customer groups — insurance intermediaries/brokers (Vermittler), employers (Arbeitgeber), and insurance product providers (Versicherer) — through an independent, multi-sided platform that connects all stakeholder systems and replaces fragmented, paper-based pension processes with standardized digital workflows. Xempus's product portfolio spans XEMPUS advisor and advisor professional/enterprise (broker advisory and portfolio management), XEMPUS manager (employer-centric contract administration), XEMPUS customer connect (white-label insurer portals), the XEMPUS platform (API-based system integration), and the free bAV Formularportal for SMB acquisition.

The platform is built on an API-first, modular architecture with standardized interfaces covering tariffs and quotes, contracts and portfolios, business transactions, documents, and audit/GDPR controls, enabling integration with insurer policy administration systems (Bestandsführungssysteme), broker CRM systems, and employer HR/payroll systems. It is ISO 27001 certified and marketed as "Made in Germany." The company earns revenue primarily through annual quote-based SaaS subscriptions across six enterprise SKUs, with a freemium entry-point product driving downstream conversion. Distribution combines enterprise field sales for large brokers and insurers, inside sales for mid-market, self-service for the form portal, and API/embedded distribution for system-connected customers. As of 2023, the company employs 101–250 people and is led by a four-person Managing Director team plus a CPO, with co-founder Martin Bockelmann as co-CEO and Lars Hinrichs as Chairman.

Xempus has raised approximately $124 million across multiple rounds (most recently a $70M Series D in March 2022 led by Goldman Sachs Asset Management, plus an InfraVia Capital Partners-led round in September 2022), and in May 2023 acquired eVorsorge Systems GmbH to accelerate European expansion beyond Germany. Named customers include HDI, Barmenia, Gothaer, Allianz, AXA, Zurich, Generali, R+V, ERGO, and Nürnberger. The company positions its roadmap around expanding the bAV platform into bKV corporate health insurance and broadening European reach.

Name

Xempus AG

Legal name

Xempus Deutschland GmbH

Website

https://xempus.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

Xempus AG is a Munich-based InsurTech SaaS platform providing digital infrastructure for German occupational pension (bAV) administration, connecting insurers, brokers, and employers through standardized APIs and an integrated product suite covering the full bAV value chain.

Ownership category

akta.pro rank

Product category

InsurTech SaaS - Occupational Pension Platform

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Professional Employer Organizations (561330)

SIC

Services-Computer Integrated Systems Design (7373), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Payer-Provider Data Exchange (X12, prior auth, claims/clinical attachment) (HLACABAK)

Keywords

• Occupational pension software
• Insurance distribution platform
• BAV administration software
• Insurtech SaaS platform
• Broker portfolio management

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription Licenses: Xempus operates as a B2B SaaS platform generating revenue through subscription-based software licenses. The company offers multiple product tiers (XEMPUS advisor, advisor professional, advisor enterprise, customer connect, manager) targeting intermediaries, employers, and insurers. Revenue is derived from recurring subscription fees with different configurations for different customer segments.
2. Platform Integration Services: Revenue generated from API integrations, interface connections, and platform setup services for insurers and large broker organizations requiring custom configurations.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels12 records

Core offering

Xempus is an independent SaaS platform for occupational pension (betriebliche Vorsorge/bAV) distribution and administration in Germany. It connects insurers, intermediaries (Vermittler), and employers through standardized APIs and modular software, providing digital consulting tools, portfolio management, white-label customer portals, and automated data exchange that eliminates media breaks across the bAV, bKV, and bAKS value chain.

Product overview

Xempus is an independent SaaS platform for occupational pension (betriebliche Vorsorge) connecting insurers, intermediaries, employers, and their systems seamlessly and independently. The platform offers AI-ready infrastructure for automated data exchange. The product portfolio includes: XEMPUS advisor (standardized advisory software), XEMPUS advisor professional (standardized policy administration), XEMPUS advisor enterprise (configurable administration for large brokers), XEMPUS customer connect (white-label portals for insurers), XEMPUS manager (employer-centric administration), XEMPUS platform (API-based system connection), XEMPUS bAV-Formularportal (online form database), and myXEMPUS (employee-facing pension calculator). These products form an integrated ecosystem covering the entire occupational pension value chain from consultation through administration.

Differentiator

Problem solved

Functional benefit

Brands

• XEMPUS advisor: Standardized advisory software for digital consulting on occupational retirement benefits (bAV), corporate health insurance (bKV), and occupational disability insurance (bAKS).
• XEMPUS advisor professional
• XEMPUS advisor enterprise
• XEMPUS customer connect
• XEMPUS manager
• XEMPUS bAV-Formularportal

Products and services

• XEMPUS advisor Standardized advisory software for digital consultation on occupational pension (bAV), corporate health insurance (bKV), and employer-funded accident insurance (bAKS) for intermediaries conducting employer and employee consultations.
• XEMPUS advisor professional Standardized portfolio management solution for intermediaries with automated, standardized, and integrated workflows for daily consulting operations.
• XEMPUS advisor enterprise Configurable portfolio management with tariff calculator, document management, and branded customer portals designed for large brokers and sales organizations.
• XEMPUS customer connect Employer and employee portals operated under insurers' own branding, with automatic portfolio data provision and digital transmission of applications and business transactions.
• XEMPUS manager Digital portfolio management solution enabling employers and intermediaries to manage bAV and bKV contracts online, reducing complexity and administrative burden on HR departments.
• XEMPUS platform Platform connection via standardized interfaces (APIs, import/export, standards) for product providers and insurers to integrate their systems with the Xempus ecosystem.
• XEMPUS bAV-Formularportal Online form database providing bAV forms on demand for policyholder transfers, transfer of coverage capital (Deckungskapital), insurance policy number changes, and capital transfers under German tax law (§ 3.63 EStG and § 40b EStG).
• myXEMPUS SaaS product for employees around occupational pension topics, including the bAV calculator for projecting personal retirement situations and showing how occupational pension affects retirement income.

Quantifiable outcome

• Average 90 minutes of working time saved per form process compared to conventional form procurement
• +3 more outcomes

Named customers11 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature8 records

Partnerships

One partnership is on record.

• eVorsorge Systems GmbHcoreStrategic or Co-development Partner · 1 May 2023Xempus acquired 100% of eVorsorge Systems GmbH on May 1, 2023. eVorsorge is a provider of administrative and portal solutions in occupational pension schemes, and CRM software for large sales organizations in Germany. The acquisition aims to advance digitalization of occupational pension schemes in Germany and beyond, and facilitate European expansion through eVorsorge's strong market position and configurable software architecture.

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Smart Pension: UK-based B2B SaaS platform powering workplace pension administration for employers and providers. Closest international peer to Xempus in business model and target customer, differing mainly by UK auto-enforcement focus vs. Xempus's German bAV emphasis.
• Penfold: UK workplace pension platform combining digital administration with advisor tools for small and mid-sized employers. Comparable to Xempus as a digital-first pension platform targeting the SMB and intermediary segments, though more UK-focused.
• NOW:Pensions: UK workplace pension provider serving employers and intermediaries with digital onboarding, contribution management and administration. Compares to Xempus on multi-stakeholder pension administration and intermediary enablement, scaled primarily in the UK market.
• HonestBay: Germany-based digital insurance and retirement platform targeting consumers and employers. A domestic German peer operating in adjacent bAV/retirement distribution, with a more consumer-leaning interface than Xempus's intermediary-first approach.

Broad incumbents

• Clark: Frankfurt-based digital insurance manager (InsurTech) covering life, health and pension products via a B2C/B2B2C app. Adjacent German InsurTech that overlaps with Xempus on digital insurance distribution but focuses on consumer-facing rather than B2B intermediary workflows.
• Getsafe: Heidelberg-based InsurTech offering digital life, health and pensions insurance in Germany and Europe. Broader insurtech peer with overlapping life/pension distribution, but consumer-led and not focused on the b2b intermediary platform model that defines Xempus.
• Wefox: Berlin-based pan-European InsurTech connecting insurers, brokers and customers with digital distribution infrastructure. A broader incumbent in the European InsurTech platform space; overlaps with Xempus on insurer-broker connectivity but is more diversified across personal lines.
• Mercer: Global consulting leader in health, wealth and career advisory, with major German bAV and benefits administration practices. Compares to Xempus as a provider of pension/benefits infrastructure for employers, but operates at a much larger scale as a consulting-led incumbent.
• Aon: Global professional services firm with deep retirement and bAV consulting, brokerage and technology offerings. A broad incumbent comparable to Xempus on serving employers and insurers with pension/benefits infrastructure, though typically as a consulting-led offering rather than a pure SaaS platform.
• Willis Towers Watson: Global advisory, brokerage and solutions firm with significant German bAV and pension administration technology. A broad incumbent comparable to Xempus on employer/insurer pension infrastructure, operating at a much larger scale as a public, consulting-led business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCf9rku7ISyeahcfbR08omQA
• Facebookfacebook.com/xempus.vorsorge
• LinkedInlinkedin.com/company/xempus-ag
• Instagraminstagram.com/xempus.vorsorge
• Xx.com/XempusAG

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Xempus AG