ViteSicure
ViteSicure is an Italian digital insurance broker that sells term life and accident policies directly to consumers online in three minutes without medical exams, operating under IVASS-regulated parent Bridge Insurance Services srl in Milan.
- Company typePrivate
- Founded2020
- HeadquartersMilano, Italy
- Headcount1–10
- GTM typeB2C
- OfferingServices
What ViteSicure does
ViteSicure is the consumer brand of Bridge Insurance Services srl, an Italian digital insurance broker headquartered in Milan that sells term life and personal accident policies directly to consumers through a 100% online purchase funnel. Customers can bind a policy in approximately 3 minutes without medical exams or paperwork, choosing between constant-capital term life, decreasing-capital term life (aligned to mortgage or loan payoff), a senior-focused Vita Senior product, and an Infortuni accident policy; premiums are fixed for the policy term and cancellable at any time without penalty. The platform is supervised by IVASS under RUI registration B000427706, which has been in place since September 2012 and provides the regulatory license that underpins the entire broker operation.
The company makes money by collecting recurring insurance premiums under a subscription-style model, distributing the underlying risk to carrier partners that include shareholder Reale Mutua and reinsurance capacity provided by Reinsurance Group of America via its RGAX innovation vehicle. Beyond core life and accident coverage, ViteSicure monetizes the customer relationship through cross-sell of fiscal benefits (19% premium tax deduction, no succession tax on payouts) and bundles a Protection Calculator and human Protection Team support (chat, WhatsApp, phone, email) around the self-serve funnel. The company is backed by a mix of venture and strategic shareholders, including CDP Venture Capital, Apside, Ad4Ventures, Net Insurance, and MFE-MediaForEurope, and in April/May 2026 closed the first tranche of a €2.5 million Series A while reporting break-even with positive EBITDA by end of 2025.
ViteSicure firmographics
Firmographics- Name
- ViteSicure
- Legal name
- Bridge Insurance Services srl
- Website
- https://vitesicure.it
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- ViteSicure is an Italian digital insurance broker that sells term life and accident policies directly to consumers online in three minutes without medical exams, operating under IVASS-regulated parent Bridge Insurance Services srl in Milan.
- Ownership category
- akta.pro rank
ViteSicure industry classification
Industry- Product category
- Life Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Simplified Issue (No-Exam) Term Life Insurance (FSAIAAAH)
- akta.pro secondary industries
- Level Term Life Insurance (FSAIAAAA), Decreasing Term Life Insurance (Mortgage/Loan Protection) (FSAIAAAB)
Keywords
Where ViteSicure is headquartered
LocationHeadquarters
- HQ city
- Milano
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
ViteSicure business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Life Insurance Premiums: Revenue generated from life insurance policy premiums. The company offers term life insurance with constant capital, decreasing capital, and senior-specific products. Premiums are fixed for the policy duration and customers can cancel without penalties.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Temporanea Caso Morte a Capitale Costante - Term life with constant capital coverage |
| Subscription | Annual | Temporanea Caso Morte a Capitale Decrescente - Term life with decreasing capital coverage |
| Subscription | Annual | Vita Senior - Senior life insurance |
| Subscription | Annual | Polizza Infortuni - Accident insurance |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
ViteSicure product offering
Product offeringCore offering
ViteSicure is a fully digital insurance broker that sells life insurance and personal accident policies directly to consumers through its proprietary online platform. Customers can purchase a policy in approximately three minutes without medical exams or paperwork, with fixed premiums for the entire policy duration and the option to cancel anytime without penalties. The product portfolio includes term life insurance with constant capital, term life insurance with decreasing capital (aligned to mortgages and loans), a senior-focused life policy, and an accident insurance policy.
Product overview
ViteSicure is a direct-to-consumer digital life insurance platform offering term life insurance products entirely online without medical exams or bureaucracy. The product portfolio includes three main life insurance variants: Temporanea Caso Morte a Capitale Costante (Term Life with Constant Capital), Temporanea Caso Morte a Capitale Decrescente (Term Life with Decreasing Capital designed for mortgage protection), and Vita Senior (Senior Life Insurance for older customers). An Infortuni (Accident Insurance) policy is also offered. All policies feature fixed premiums, online purchase and download in 3 minutes, and cancellation without penalties.
Differentiator
Problem solved
Functional benefit
Products and services
- Temporanea Caso Morte a Capitale Costante (Term Life Insurance with Constant Capital) Term life insurance policy offering a constant capital payout to beneficiaries that does not decrease over the life of the policy. Purchased entirely online in approximately three minutes without medical exams. Premium is fixed for the entire policy duration regardless of age or health status. Cancellation is permitted at any time without penalties, with a 30-day money-back guarantee.
- Temporanea Caso Morte a Capitale Decrescente (Term Life Insurance with Decreasing Capital) Term life insurance policy with a capital payout that decreases over the policy term, designed to match the declining balance of an outstanding mortgage or loan. Purchased entirely online in approximately three minutes without medical exams. Premium is fixed for the entire policy duration.
- Vita Senior (Senior Life Insurance) Life insurance policy targeted at senior customers, providing age-appropriate coverage with simplified underwriting. Premium is fixed for the entire policy duration. Purchased online through the ViteSicure platform.
- Infortuni (Personal Accident Insurance) Personal accident insurance policy providing coverage for injuries and related costs arising from accidents and unexpected events. Distributed through the ViteSicure online platform.
Quantifiable outcome
- 19% tax deduction on policy cost for customers
- +2 more outcomes
Companies that use ViteSicure
Customer profileSegments3 records
Ideal customer profiles3 records
ViteSicure technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
ViteSicure partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- Italian Tech AllianceminorItalian technology and startup ecosystem association that viteSicure is a member of, providing networking and industry representation.
- Italian Insurtech AssociationminorNational insurtech association representing and supporting Italian insurance technology companies.
- Associazione Italiana Broker di Assicurazioni e RiassicurazioniminorItalian Insurance and Reinsurance Brokers Association that Bridge Insurance Services (viteSicure parent) is affiliated with.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
ViteSicure competitors and assessment
Company assessmentDirect peers
- Ladder: US digital term life specialist offering fully online, instant-issue policies with no medical exams. Closest direct functional peer to ViteSicure's no-exam, online term life proposition.
- Yolo: Italian insurtech offering digital, on-demand personal insurance products including life-style and travel coverage. Directly comparable as a digital-first insurance intermediary in the same Italian market.
- YuLife: UK digital life insurer using an engagement/wellness layer to differentiate term and group life coverage. Comparable as a digitally native, simplified-issue life provider targeting everyday consumers.
- Bestow: US digital term life platform focused on simplified-issue, fully online policies with API distribution. Comparable on no-exam underwriting and D2C digital distribution model.
Regional players
- Quixa: Italian direct digital insurer (part of the AXA group) selling online motor and home coverage. Comparable as a domestic digital insurance distribution competitor in Italy.
Emerging players
- Many Pets (formerly Bought By Many): UK digital insurance specialist that originated as a broker and built simplified, consumer-friendly underwriting. Comparable digital-first, simplified-issue DNA even though now focused on pet.
- Lemonade: Digital-native insurance company using AI-driven UX to sell simple, transparent policies direct-to-consumer. Highly comparable ethos and product simplification, although Lemonade is a carrier and broader lines.
- Wibe: Nordic digital insurance platform offering simplified, fully online personal lines. Comparable on a no-friction, app-led UX philosophy aimed at younger consumers.
Others
- Reale Mutua Assicurazioni: Major Italian mutual insurer and existing shareholder of ViteSicure. Listed because it is both a partner and a structural benchmark for life distribution in the Italian market ViteSicure addresses.
Broad incumbents
- Prima Assicurazioni: Italian direct insurer offering fully online motor and increasingly other personal lines. Comparable as a domestic Italian digital insurance competitor that has moved aggressively on UX and price.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
ViteSicure social profiles
Digital presenceViteSicure compliance and trust
Trust signalCompliance1 record
ViteSicure financial estimates
Financial estimateRevenue estimate
Valuation estimate
ViteSicure leadership team
Management profileNumber of profiles
Profiles2 records
ViteSicure funding detail
Funding detailFunding overview
Funding rounds6 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ViteSicure M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ViteSicure
What does ViteSicure do?
ViteSicure is a fully digital insurance broker that sells life insurance and personal accident policies directly to consumers through its proprietary online platform. Customers can purchase a policy in approximately three minutes without medical exams or paperwork, with fixed premiums for the entire policy duration and the option to cancel anytime without penalties. The product portfolio includes term life insurance with constant capital, term life insurance with decreasing capital (aligned to mortgages and loans), a senior-focused life policy, and an accident insurance policy.
Is ViteSicure a public or private company?
ViteSicure is a private company. It is classified as venture growth investor backed and is currently operating.
When was ViteSicure founded?
ViteSicure was founded in 2020. It employs 1 to 10 people.
Where is ViteSicure based?
ViteSicure is headquartered in Milano, Italy, in the Europe region.
How does ViteSicure make money?
One revenue line is on record: life Insurance Premiums.
Who are ViteSicure's main competitors?
Direct peers on record are Ladder, Yolo, YuLife and Bestow. Quixa is listed as a regional player. Emerging players are Many Pets (formerly Bought By Many), Lemonade and Wibe. Reale Mutua Assicurazioni is listed as an others. Prima Assicurazioni is listed as a broad incumbent.
Does ViteSicure have an API?
No public API is recorded for ViteSicure.
What industry is ViteSicure in?
ViteSicure's product category is Life Insurance Brokerage. Its primary akta.pro industry code is FSAIAAAH, Simplified Issue (No-Exam) Term Life Insurance, with a secondary code of FSAIAAAA, Level Term Life Insurance. Its NAICS code is 5242 and its SIC code is 6411.