Livetopic

What Livetopic does

Livetopic (legal entity LVTC Financial and Insurance Advisor S.L., NIF B94159225) is a Spanish online life insurance broker and advisor headquartered in Pontevedra, Spain. The company operates a 100% digital platform (livetopic.es) that guides individual consumers through a questionnaire about their financial situation — including mortgage status, age, dependents, and outstanding debt — and uses a proprietary algorithm to recommend an appropriate life insurance coverage amount and price in approximately 5 seconds. Customers can complete the entire purchase journey, from recommendation to policy contract, online without agent or in-person interaction, and the platform handles claims administration (siniestros) and annual capital re-evaluation.

The business model is commission-based: Livetopic partners with insurance carriers and earns commission on life insurance policies sold through its platform. Pricing is subscription-style monthly billing, with disclosed example premiums ranging from €4.56/month (young, single, low-debt profile) to €17.02/month (older, multi-dependent, mortgage-holder profile). The primary customer segment is Spanish individuals with financial obligations (mortgage holders, borrowers, parents), and a secondary segment consists of B2B insurance carriers targeted through a planned distribution platform. The company is privately held, has raised approximately €912,000 across three disclosed rounds (November 2017, July 2018, and January 2022), and operates with 1-10 employees.

Technology and distribution are lean: the recommendation system is a structured-data decision engine rather than a machine-learned model, and the company depends on standard digital marketing channels (Google, LinkedIn, Meta) for customer acquisition. Strategic backers include ENISA (Spanish public development finance), Grupo MED (a healthcare/medical group), Vigo Activo (Galician regional investor), and CDTI Neotec public funding. The company is led by co-founders Antonio Casal Rey (CEO), Pablo Sixto Gulín (CTO), and Alejandro Mariño, with Gonzalo Garre Rodas serving as CMO.

Name

Livetopic

Legal name

LVTC Financial and Insurance Advisor S.L.

Website

https://livetopic.es

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Livetopic is a Spanish online life insurance broker that uses a questionnaire-based algorithm to recommend and sell life insurance policies directly to individual consumers in Spain, earning commissions on policies sold through its 100% digital platform.

Ownership category

akta.pro rank

Product category

Online Life Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Level Term Life Insurance (FSAIAAAA)

Keywords

• Life insurance brokerage
• Online insurance platform
• Insurance recommendation engine
• Digital financial advisory
• Term life coverage

Headquarters

HQ city

Pontevedra

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance Sales Commission: Livetopic generates revenue by earning commissions on life insurance policies sold through their platform. They partner with insurance providers and receive compensation when customers purchase recommended coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Livetopic is a 100% online life insurance broker (LVTC Financial and Insurance Advisor S.L.) that uses a proprietary algorithm to analyze a customer's financial situation and recommend personalized life insurance coverage with a premium quote in 5 seconds. Customers complete a questionnaire, receive a tailored recommendation and price, and can contract the policy entirely online without agents or in-person visits. The company also operates a B2B insurance sales platform for distribution partners.

Product overview

Livetopic is a single unified product — a 100% online life insurance recommendation and contracting platform. The service follows a three-step process: (1) users answer personalized questions about their financial situation, (2) Livetopic's algorithm analyzes the data and recommends the appropriate coverage amount, and (3) users can complete the entire insurance purchase entirely online. The platform calculates premiums based on user inputs (age, dependents, debt amounts) and presents personalized life insurance options.

Differentiator

Problem solved

Functional benefit

Products and services

• Livetopic Online Life Insurance Platform 100% online life insurance recommendation and contracting service for Spanish consumers. Users answer a short questionnaire about their financial situation, receive a personalized coverage recommendation and monthly premium quote in 5 seconds, and complete the full policy purchase online without agents or in-person visits. The product also covers ongoing policy management including claims (siniestros) and annual renewals.
• Livetopic B2B Insurance Sales Platform

Quantifiable outcome

• Life insurance process completed entirely online without in-person interactions
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature1 record

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Mapfre: Mapfre is Spain's largest insurer with established life insurance products and distribution partnerships. Relevant as both a likely carrier partner and the dominant incumbent shaping commission dynamics for Livetopic.
• Rastreator: Rastreator is Spain's largest online insurance and financial product comparison site, offering direct comparison tools across multiple insurance lines and serving as the dominant incumbent in Livetopic's home market.
• Lemonade: Lemonade is a US-based D2C insurance technology company offering mobile-first insurance products with algorithmic underwriting — relevant as a comparable tech-led online insurance model, though operating at meaningfully larger scale and broader scope.
• SelectQuote: SelectQuote is a US-based online insurance distribution platform that connects consumers with multiple carriers via a digital interface, analogous to Livetopic's carrier-aggregator and recommendation role.

Others

• Santalucía: Santalucía is a Spanish specialty insurer with strong life insurance offerings, relevant as a likely carrier partner that pays commissions to Livetopic and as an incumbent competitor in Spanish life distribution.

Direct peers

• Clark: Clark is a Germany-based online insurance broker that uses a digital-first model to help consumers compare, manage, and purchase insurance products online — closely mirroring Livetopic's online recommendation and contract execution value proposition.
• ManyPets (formerly Bought By Many): ManyPets is a UK-based online-first insurance broker that built a digital brand around simplifying traditionally opaque insurance purchases — a comparable D2C online brokerage model to Livetopic.
• Lovys: Lovys is a France-based online insurance subscription platform targeting consumers with simplified, app-based coverage purchasing, structurally similar to Livetopic's online insurance marketplace and contract execution approach.
• iAhorro: iAhorro is a Spanish online financial products broker that helps consumers compare and acquire insurance and financial products — overlapping directly with Livetopic's online recommendation and contract execution role in the same market.

Emerging players

• Kelisto: Kelisto is a Spanish online comparison platform for financial products and insurance, focused on the same Spanish consumer segment with comparison and recommendation tools that overlap with Livetopic's offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company-beta/livetopic
• Xx.com/livetopic17

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors3 records

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

M&A

Investments

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

Frequently asked questions about Livetopic