What Afilio does

Afilio (legal name: Afilio - Gesellschaft für Vorsorge mbH) is a Berlin-based digital platform founded in 2017 that enables German consumers and families to create, manage, and officially register legally valid estate, care, and end-of-life documents — including living wills (Patientenverfügung), powers of attorney (Vorsorgevollmacht), wills (Testament), burial directives (Bestattungsverfügung), and digital estate archives. The platform combines an automated interview-style document-creation flow, a 24/7-accessible emergency card stored in Apple/Google Wallet, and a care-grade (Pflegegrad) calculator and application service. Documents can be registered directly with the Zentrales Vorsorgeregister (Central Register) at the Bundesnotarkammer and signed with qualified electronic signatures via Yousign. Underlying infrastructure is hosted on Google Cloud with 256-bit encryption, behind Cloudflare, with payments processed through Mollie and Stripe and CRM handled in Pipedrive.

The company operates a freemium consumer model with three tiers — AfilioBasis (free), AfilioPlus, and AfilioFamilie — supplemented by transactional revenue from insurance brokerage commissions (Afilio is a licensed §34d GewO intermediary working with blau direkt) and from monthly Pflegepaket care-consumable deliveries settled via Arni with German care insurance funds. Customer acquisition is driven by a heavy earned-media footprint across ARD, ZDF, Focus, Handelsblatt, Stiftung Warentest, Süddeutsche Zeitung, and Forbes, paired with content marketing (Ratgeber guides, webinars, newsletter) and paid search. The platform reports more than 4 million families served and a 4.8/5 Google rating, with no enterprise or B2B segment disclosed — Afilio is purely a horizontal B2C play serving the German Vorsorge market.

Name

Afilio

Legal name

Afilio - Gesellschaft für Vorsorge mbH

Website

https://afilio.de

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Afilio is a Berlin-based digital estate and care planning platform serving German consumers and families. It offers freemium document creation for living wills, powers of attorney, wills, and digital estate management, plus insurance brokerage and care-grade application services.

Ownership category

akta.pro rank

Product category

Estate Planning Software

NAICS

Trusts, Estates, and Agency Accounts (52592), Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Estate & Legacy Planning Advisory (FSAEAAAG)

akta.pro secondary industry

Identity, Fraud & Insurance-Specific RegTech Platforms (FSAGAGAJ)

Keywords

• Estate planning platform
• Advance care directives
• Living will creation
• Care planning services
• Digital insurance brokerage

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Premium Membership Subscriptions: Recurring monthly or annual subscriptions for premium features including document updates, notifications of legal changes, postal document delivery, and care consultation services
2. One-time Document Services: One-time payments for specific premium document services
3. Insurance Brokerage Commissions: Revenue from insurance mediation as a licensed insurance broker under §34d GewO

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Afilio is a German digital platform that enables individuals and families to create, manage, and officially register legally valid estate, care, and end-of-life documents—including living wills, powers of attorney, wills, burial directives, and digital estate records—through an automated interview-based process. The platform supplements document creation with care planning services (care grade applications, care packages, telephone consultation) and licensed insurance brokerage, operating on a freemium membership model with AfilioBasis, AfilioPlus, and AfilioFamilie tiers.

Product overview

Afilio is a German digital estate planning and care platform offering a comprehensive suite of advance care and inheritance planning services. The platform operates on a freemium model with three subscription tiers: AfilioBasis (free basic access), AfilioPlus (premium membership), and AfilioFamilie (family-focused membership). Core products include document creation tools for emergency cards, living wills (Patientenverfügung), powers of attorney (Vorsorgevollmacht), wills (Testament), digital estate management, burial directives, and care grade applications. The platform also provides care support services including care grade calculators, care packages with consumable supplies, telephone care consultation, and insurance brokerage services. All documents are created through an automated interview process, stored digitally, and can be officially registered with the German Federal Chamber of Notaries. The platform serves over 4 million families across Germany.

Differentiator

Problem solved

Functional benefit

Brands

• AfilioPlus: Premium membership tier launched March 2020 offering extended Afilio services including telephone care consulting, document updates, and postal document delivery for a monthly fee.
• AfilioBasis
• AfilioFamilie

Products and services

• Notfallkarte (Emergency Card) A digital emergency card providing 24/7 access to legally compliant emergency documents, medical information (allergies, pre-existing conditions), and access for doctors and relatives. Available in physical form and via Apple/Google Wallet.
• Patientenverfügung (Living Will) A legally compliant living will document that allows users to define medical treatment preferences in case they can no longer communicate their wishes. Developed in collaboration with medical and legal experts (e.g., Dr. med. Tim Kleffner).
• Vorsorgevollmacht (Power of Attorney)

Quantifiable outcome

• 4+ million families trust Afilio
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Google CloudcoreTechnology or IntegrationPrimary data storage provider. Afilio stores all customer data on Google Cloud with 256-bit encryption. A Data Processing Agreement is in place ensuring compliance with EU data protection standards.
• CloudflarecoreTechnology or IntegrationSecurity and content delivery network provider ensuring fast and secure website delivery.
• Zentrales Vorsorgeregister (Bundesnotarkammer)coreTechnology or IntegrationGerman Federal Notary Chamber register for official registration of advance directives and power of attorney documents.
• YousigncoreTechnology or IntegrationQualified electronic signature service (QES) for legally binding digital document signing.
• MolliecoreTechnology or IntegrationPayment processing provider for handling customer transactions.
• StripecoreTechnology or IntegrationPayment processing provider for handling customer transactions.
• SABEDA LogistikminorOthersLogistics partner for packing and shipping care packages to customers.
• ArniminorOthersBilling service for settling care package costs with German care insurance funds.
• Dr. Andreas LohmeyercoreOthersLawyer and notary who collaborated on developing the power of attorney document template.
• Dr. med. Tim KleffnercoreOthersChief physician of emergency department at AMEOS Klinikum Warendorf who collaborated on the living will (Patientenverfügung) document template.
• blau direktminorOthersInsurance comparison and quote service for insurance price calculations and policy management.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Farewill: Farewill is a UK-based digital will-writing and probate platform offering online wills, lasting power of attorney, and funeral planning. It is the closest international analogue to Afilio in terms of digital self-serve estate planning and consumer-facing simplicity.
• Trust & Will: Trust & Will is a US online estate planning platform providing wills, trusts, and healthcare directives through a guided digital process. Comparable to Afilio in targeting mainstream consumers with easy-to-use legal document creation.
• FreeWill: FreeWill is a US digital will and estate planning service, offered for free with optional paid upgrades. Its freemium model and consumer positioning closely mirror Afilio's go-to-market approach.
• Cake (end-of-life planning): Cake is a US consumer-facing end-of-life planning platform covering wills, healthcare directives, and funeral planning. It overlaps with Afilio on digital estate and advance care planning content and tools.
• GoodTrust: GoodTrust is a US digital estate planning service offering wills, power of attorney, and digital asset management. Directly comparable to Afilio's Vorsorgevollmacht and digital estate products.
• Everplans: Everplans is a US digital estate planning and end-of-life organization platform. It overlaps with Afilio's digital estate and emergency information access features.
• Smartlaw: Smartlaw is a German online legal services platform (associated with Telekom) offering self-service legal documents. It is a German-market peer in digital legal document creation with potential overlap in wills and powers of attorney.

Broad incumbents

• LegalZoom: LegalZoom is a large US online legal services platform offering wills, business formation, and other legal documents. It is a broader incumbent with overlapping will and power of attorney products but a wider portfolio than Afilio's Vorsorge focus.
• Rocket Lawyer: Rocket Lawyer is an established online legal document and attorney services platform. Comparable to Afilio in offering self-serve legal document creation, but with a broader US-focused product suite.

Emerging players

• Clark: Clark is a German insurtech platform providing digital insurance management and brokerage. While not focused on estate planning, it is a relevant adjacent player in the German digital financial services market and could expand into Vorsorge products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@afilio-de
• Facebookfacebook.com/afilio.de
• LinkedInlinkedin.com/company/afilio-gmbh
• Instagraminstagram.com/afilio.de

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors6 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 Afilio