YouPlus

What YouPlus does

YouPlus is a privately-held European B2B2C (f)insurance group headquartered in Pfäffikon, Switzerland, operating under Youplus Holding AG. Founded in 2012, the group has executed a roll-up strategy acquiring 14 insurance companies across 8 European countries (Liechtenstein, Switzerland, Czech Republic, Slovakia, Ireland, Austria, Norway, and Germany), with 6 active new business operations. The company offers four core product lines — unit-linked solutions, protection solutions, pension solutions, and employee benefits solutions — distributed through decentralized local business units, acquired carrier networks, and partner channels including employers, financial institutions, and brokers.

The underlying technology is the proprietary YOUPLUS Process Platform, a fully digital, modular, event-driven B2B2C architecture designed to support multi-solution insurance distribution with low capital protection requirements. The platform combines a central capability and finance hub with decentralized local units that retain market proximity and brand identity (e.g., 4U Risk Insurance in Czech Republic/Slovakia, GroupLifePlus in Germany, OPUS 21 in Austria, My Choice in Switzerland). Strategic technology and consulting partners include Asseco, Deloitte, and the University of St. Gallen, while DIVAS Asset Management supports investment-linked offerings.

Revenue is generated primarily through insurance premiums on unit-linked, protection, pension, and employee benefits products, supplemented by B2B2C distribution fees from partner channels. Pricing is not publicly disclosed and is individualized based on customer risk profiles, coverage needs, and local regulatory requirements across each European jurisdiction. The company is led by founder and CEO Shaukat Shamim and operates with 300+ professionals across its European footprint.

Name

YouPlus

Legal name

Youplus Holding AG

Website

https://youplus.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

251–500 employees

Short description

YouPlus is a Swiss-headquartered private B2B2C (f)insurance group operating in 8 European countries through 14 acquired insurers and 6 new business units, distributing unit-linked, protection, pension, and employee benefits solutions via a proprietary modular digital platform and partner channels.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Life insurance solutions
• Pension and protection
• Unit-linked insurance products
• B2B2C insurance platform
• Employee benefits insurance

Headquarters

HQ city

Mountain View

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Traditional insurance premium income from unit-linked solutions, protection solutions, pension solutions, and employee benefits solutions offered across European markets
2. B2B2C Distribution Fees: Revenue generated through B2B2C model by partnering with distribution channels, insurance companies, and financial institutions to serve end customers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels1 record

Core offering

YouPlus offers a fully digital B2B2C multi-solution (f)insurance model comprising four product lines—unit-linked solutions, protection solutions, pension solutions, and employee benefits solutions—distributed across 8 European countries through 14 acquired insurance companies and partner networks. The YOUPLUS Process Platform, a modular event-driven technology architecture with low capital protection requirements, enables the group to deliver tailor-made insurance products to select market segments through centralized capabilities and decentralized local business units.

Product overview

YouPlus operates as a single, unified digital B2B2C multi-solution insurance platform called the YOUPLUS Digital Platform. The platform integrates four core product lines: Unit-linked Solutions, Protection Solutions, Pension Solutions, and Employee Benefits Solutions. Regional product variants include 4U Risk Insurance (Czech Republic/Slovakia), GroupLifePlus (Germany), OPUS 21 (Austria), and My Choice (Switzerland). The platform architecture is described as modular and event-driven, with a Best Partner Concept ecosystem approach connecting insurance providers, distribution channels, and end customers.

Differentiator

Problem solved

Functional benefit

Brands

• 4U Risk Insurance: Coverage of major life risks including death, disability, critical illness, and permanent consequences of accidents, with up to 47 different sickness and accident add-on policies.
• OPUS 21
• My Choice
• GroupLifePlus

Products and services

• Unit-linked Solutions Investment-linked insurance products that combine protection with investment opportunities, allowing policyholders to allocate premiums across various investment funds. Targeted at individual consumers seeking combined protection and wealth-building solutions across European markets.
• Protection Solutions Insurance coverage protecting against major life risks including death, disability, critical illness, and permanent consequences of accidents. Available to individual consumers across European markets.
• Pension Solutions Retirement-focused insurance products designed to provide income and financial security during retirement years. Targeted at individual consumers planning for retirement across European markets.
• Employee Benefits Solutions Group insurance offerings provided by employers to their workforce, typically including life protection and occupational disability coverage. Targeted at corporate clients and employers seeking employee benefits packages.
• 4U Risk Insurance Risk insurance product with coverage of major life risks (death, disability, critical illness, permanent consequences of accidents) bundled with up to 47 different sickness and accident add-on policies. Available in Czech Republic and Slovakia.
• GroupLifePlus Next-generation occupational income protection solution providing collective coverage of death and occupational disability risks, developed for the German market employer and corporate segment.
• OPUS 21 Life protection concept for individuals aged 0 to 85, offering individual, variable, and versatile coverage with portfolio options or custom fund selection. Available in Austria.
• My Choice Unit-linked solution for tied pension 3a and free pension 3b that combines unique investment logic with client's personal pension themes. Available in Switzerland.

Quantifiable outcome

• 14 acquired companies across Europe
• +1 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• DeloittecoreImplementation/ SI/ Consulting PartnerProfessional services and consulting partner supporting YouPlus operations and strategy across European markets.
• DIVAS Asset ManagementcoreStrategic or Co-development PartnerAsset management partner contributing to investment and wealth solutions offered through the YouPlus platform.
• AssecocoreTechnology or IntegrationTechnology partner providing IT infrastructure and software solutions supporting the digital insurance platform.
• Silvester GroupminorStrategic or Co-development PartnerStrategic partner in insurance operations and distribution.
• Zugerberg FinanzminorChannel Partner/ Reseller/ DistributorFinancial services partner for distribution of insurance products in Swiss market.
• RingierminorGTM or Marketing PartnerMedia and communications partner supporting marketing and brand visibility in European markets.
• University of St. GallenminorStrategic or Co-development PartnerAcademic partner for research, talent development, and thought leadership in insurance and finance.
• DUVI PensjoncoreStrategic or Co-development PartnerAcquired in 2022, DUVI Pensjon provides pension solutions that complement YouPlus product portfolio in Norway.
• Swiss RockminorStrategic or Co-development PartnerPartner in Swiss financial services ecosystem.

Scale indicators6 records

Recent moves12 records

Expansion highlights5 records

Regional players

• UNIQA Insurance Group: Austrian-headquartered multi-line insurer with strong Central and Eastern European footprint. Notably, YouPlus acquired UNIQA's Liechtenstein life insurance entities in 2015, making UNIQA a structural comparable in life insurance distribution across the same CEE geographies.
• Vienna Insurance Group (VIG): Austrian insurance group operating across 30+ countries with strong presence in CEE (Czech Republic, Slovakia, Austria) — directly overlapping YouPlus's Czech, Slovak, and Austrian operations. Comparable in multi-market European life and P&C offering, though far larger and more diversified.

Broad incumbents

• Zurich Insurance Group: Global Swiss-headquartered insurer with strong life and P&C presence across Europe. Comparable to YouPlus in life insurance, multi-country European footprint, and ongoing digital transformation; far larger and globally diversified.
• Baloise Group: Swiss-based insurance and banking group operating across Switzerland, Germany, Belgium, and Luxembourg. Comparable to YouPlus in multi-market European life and non-life insurance, and notable for its digital ecosystem strategy (Baloise Insurance, mobituary).
• Generali Group: Italian-headquartered global insurer with material life and P&C operations across Austria, CEE, Germany, Switzerland, and France. Comparable to YouPlus in multi-line European life insurance and CEE presence; broader and more established.
• Allianz SE: Global German-headquartered insurer with dominant life and P&C presence across Western and Central Europe. Comparable to YouPlus in life insurance, multi-country European distribution, and employer/employee benefits; operates at vastly greater scale.
• Helvetia Insurance: Swiss insurance group with multi-line (life, P&C, specialty) operations across Switzerland, Germany, Austria, Italy, Spain, and France. Comparable to YouPlus as a multi-market European life and P&C insurance group, though broader and more established with traditional distribution.

Direct peers

• Clark: German digital insurance manager/broker offering a multi-product insurance platform to consumers via partner carriers. Comparable to YouPlus in its digital-first, multi-carrier, multi-product distribution approach, though primarily active in Germany.
• Getsafe: Heidelberg-based digital insurance platform offering life, health, and property products across Germany and Europe via a digital distribution model. Comparable to YouPlus's B2B2C digital insurance distribution approach with multi-product ambitions.
• Wefox: Berlin-based B2B2C insurtech operating a digital insurance platform across multiple European markets. Closely comparable business model to YouPlus: digital-first platform, partner/broker distribution, multi-product life and P&C offerings, and European geographic expansion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/youplusglobal

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries17 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 YouPlus