WWK Lebensversicherung
- Company typePrivate
- Founded1884
- HeadquartersMünchen, Germany
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
WWK Lebensversicherung firmographics
Firmographics- Name
- WWK Lebensversicherung
- Legal name
- WWK Lebensversicherung a. G.
- Website
- https://wwk.de
- Company type
- Private
- Founded year
- 1884
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
WWK Lebensversicherung industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Guaranteed Issue Whole Life Insurance (FSAIABAG)
- akta.pro secondary industries
- Group Variable Universal Life (GVUL) (FSAIADAD), Guaranteed Issue Term Life Insurance (FSAIAAAG)
Keywords
Where WWK Lebensversicherung is headquartered
LocationHeadquarters
- HQ city
- München
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
WWK Lebensversicherung business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Insurance Premium Revenue: WWK generates revenue primarily through insurance premiums from life insurance, pension products, and property/casualty insurance. With premium income exceeding 1 billion euros, it ranks among Germany's top 20 life insurers.
- Investment Management Fees: Revenue from managing fund-based insurance products including WWK Premium FondsRente 2.0, providing access to over 70 investment funds and ETFs with institutional-grade fee structures.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | WWK Premium FondsRente 2.0 - Fund-based pension with guarantee |
| Subscription | Annual | WWK Premium FörderRente protect (RR25) - Riester-Rente |
| Subscription | Annual | WWK BasisRente invest - Rürup-Rente |
| Subscription | Annual | WWK Wohngebäudeversicherung plus |
| Subscription | Annual | WWK Privathaftpflichtversicherung |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
WWK Lebensversicherung product offering
Product offeringCore offering
WWK Lebensversicherung a. G. is a Munich-based mutual insurance association (Versicherungsverein auf Gegenseitigkeit) that sells life insurance, state-subsidized and private pension products (Riester, Rürup, bAV, fund-based and conventional annuities), and property/casualty coverages (home, motor, liability, accident, disability, health) to individuals and corporate clients in Germany. Its flagship proposition is the IntelliProtect 2.0 iCPPI guarantee mechanism, which combines statutory guarantees with the upside of up to 100% equity fund participation.
Product overview
WWK Lebensversicherung offers a comprehensive insurance and retirement planning portfolio. The core products include fund-based pension insurance (WWK Premium FondsRente 2.0, WWK Premium FondsRente *protect*), state-subsidized retirement products (Riester-Rente, Basisrente, Betriebliche Altersversorgung), and conventional pension insurance. Key differentiators include the IntelliProtect® 2.0 guarantee mechanism enabling up to 100% equity investment with protection, and the AI-powered WWK KI - Aktien Welt fund. The company also provides property and casualty insurance (home, auto, liability), health insurance, and occupational disability coverage. Digital platforms include the WWK Inside customer portal, AVANTI quote system, and WWK Akademie Online training. The company operates as a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) founded in 1884.
Differentiator
Problem solved
Functional benefit
Brands
- WWK Premium FondsRente protect: Fund-linked pension insurance with guarantee mechanism (IntelliProtect 2.0), offering unit-linked retirement solutions with guaranteed contributions.
- WWK Premium FörderRente protect
- WWK Premium FondsRente 2.0
- WWK BasisRente invest protect
- WWK IntelliProtect 2.0
- WWK Inside
- WWK collectIv
- WWK Kinderstiftung
Products and services
- WWK Premium FondsRente *protect* Fund-based pension insurance with guarantee, offering high contribution guarantees and the IntelliProtect 2.0 protection mechanism that combines equity market opportunities with capital safety. Targeted at individuals and bAV customers seeking market-linked growth with downside protection.
- WWK Premium FondsRente 2.0 Modern fund-linked life insurance combining the advantages of a pension insurance with global capital market performance opportunities through a flexible fund policy. Available as private pension, bAV, or Basisrente.
- WWK Premium FörderRente *protect* State-subsidized Riester pension with IntelliProtect 2.0 guarantee mechanism, offering 1.0% guaranteed interest rate plus government allowances, tax benefits, and access to 17 ETFs and the AI-powered WWK KI – Aktien Welt fund. Awarded Goldener Bulle 2025 as Vorsorgeprodukt des Jahres.
- WWK BasisRente invest *protect* Rürup pension with 100% or 50% contribution guarantees using IntelliProtect 2.0. Provides tax-optimized retirement provision for self-employed, freelancers, and employees with terms of 12 to 40 years.
- WWK BasisRente *invest* 2.0
- WWK Rente *classic*
- WWK DuoRente
- WWK Betriebliche Altersversorgung (bAV)
- WWK Risikolebensversicherung
- WWK Berufsunfähigkeitsversicherung
- WWK Pflegerente
- WWK Unfallversicherung
- WWK Hausratversicherung Plus
- WWK Wohngebäudeversicherung Plus
- WWK Privathaftpflichtversicherung
- WWK KFZ-Versicherung
- WWK Private Krankenversicherung
- AVANTI quotation and proposal system
- WWK Inside customer portal
- WWK Akademie Online
Quantifiable outcome
- Over 70 investment funds and 17 ETFs available to customers
- +3 more outcomes
Companies that use WWK Lebensversicherung
Customer profileSegments2 records
Ideal customer profiles2 records
WWK Lebensversicherung technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
AI capability2 records
Feature3 records
WWK Lebensversicherung partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- FC AugsburgcoreWWK is the main sponsor (Hauptsponsor) of FC Augsburg football club. This sports sponsorship reinforces the 'starke Gemeinschaft' (strong community) brand positioning and provides high regional visibility through Bundesliga presence.
- WWK Volleys HerrschingcoreWWK sponsors the WWK Volleys Herrsching volleyball team, supporting beach volleyball teams as well, maintaining consistent sports marketing presence across multiple disciplines.
- WWK KinderstiftungminorWWK Kinderstiftung (WWK Children's Foundation) focuses on cultural and social engagement, supporting children's welfare and educational initiatives as part of corporate social responsibility.
- WWK Investment S. A.coreLuxembourg-based fund management subsidiary providing investment fund products including WWK KI - Aktien Welt (AI-powered global equity fund) for use within WWK insurance products.
- WWK Investment S. A.coreSubsidiary provides exclusive fund products with institutional-grade fee structures not typically available to retail investors, creating competitive advantage in fund selection.
- MorningstarcoreMorningstar FondScreener integration provides fund analysis, comparisons, and factsheets within WWK platforms, enabling informed investment selection for customers.
- BiPROcoreBiPRO-compliant processes enable standardized broker management and communication, facilitating efficient partner distribution operations.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
WWK Lebensversicherung competitors and assessment
Company assessmentBroad incumbents
- Zurich Gruppe Deutschland: German operations of Zurich Insurance Group offering life, P&C, and corporate insurance. Competes with WWK in life, Riester/bAV, and personal lines, with international parent capital and broader corporate presence.
- ERGO (Munich Re Group): Primary life and P&C insurance arm of Munich Re Group and one of Germany's largest insurers. Overlaps with WWK across life, health, P&C, and bAV, with significantly larger capital base and international backing.
- AXA Konzern AG: German subsidiary of AXA Group offering life, health, and P&C insurance. Overlaps directly with WWK on life and pension products (including Riester and bAV) but with globally listed parent capital and broader product breadth.
- Allianz Lebensversicherung: The German life insurance arm of Allianz SE and the dominant #1 life insurer in Germany. Directly competes with WWK across life, pension (Riester, Rürup, bAV), and unit-linked products, but operates at vastly larger scale with listed parent capital flexibility.
- Generali Deutschland: German arm of Generali Group offering life, P&C, and health insurance. Competes in life and pensions segment with WWK, with international parent backing and broader distribution reach.
Direct peers
- HUK-COBURG: Large German mutual insurer with strong direct-sales and broker-channel life/P&C franchise. Like WWK, mutual-owned and broad-line; competes head-to-head particularly in motor and standard life products.
- HanseMerkur Versicherungsgruppe: Mutual German insurer focused on life, health, and P&C, with selective broker-channel distribution. Similar mid-tier positioning and multi-line breadth to WWK, with overlapping target segments in retail and SME.
- Debeka Versicherung: Germany's largest mutual insurance association (VVaG), structurally identical to WWK. Most directly comparable peer given mutual-only ownership, mutual-aligned culture, and broad life/P&C/health product portfolio targeted at retail and corporate customers.
- R+V Versicherung: Cooperative-owned German insurer affiliated with the Volksbanken-Raiffeisenbanken banking group. Closely comparable mutual/cooperative structure with strong bank-tied distribution; competes in life, Riester, Rürup, and bAV.
- Nürnberger Versicherung: Mid-sized German insurer offering life, P&C, and health insurance with a strong broker-channel presence. Closely comparable in scale and distribution model to WWK's Partnervertrieb-led life and pension business.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
WWK Lebensversicherung social profiles
Digital presenceWWK Lebensversicherung compliance and trust
Trust signalCompliance20 records
WWK Lebensversicherung financial estimates
Financial estimateRevenue estimate
Valuation estimate
WWK Lebensversicherung leadership team
Management profileNumber of profiles
Profiles5 records
WWK Lebensversicherung subsidiaries and ownership
Company hierarchySubsidiaries6 records
WWK Lebensversicherung funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WWK Lebensversicherung 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 WWK Lebensversicherung
What does WWK Lebensversicherung do?
WWK Lebensversicherung a. G. is a Munich-based mutual insurance association (Versicherungsverein auf Gegenseitigkeit) that sells life insurance, state-subsidized and private pension products (Riester, Rürup, bAV, fund-based and conventional annuities), and property/casualty coverages (home, motor, liability, accident, disability, health) to individuals and corporate clients in Germany. Its flagship proposition is the IntelliProtect 2.0 iCPPI guarantee mechanism, which combines statutory guarantees with the upside of up to 100% equity fund participation.
Is WWK Lebensversicherung a public or private company?
WWK Lebensversicherung is a private company. It is classified as management employee owned and is currently operating.
When was WWK Lebensversicherung founded?
WWK Lebensversicherung was founded in 1884. It employs 1,001 to 5,000 people.
Where is WWK Lebensversicherung based?
WWK Lebensversicherung is headquartered in München, Germany, in the Europe region.
How does WWK Lebensversicherung make money?
Two revenue lines are on record. Insurance Premium Revenue is the primary driver. The others are investment Management Fees.
Who are WWK Lebensversicherung's main competitors?
Broad incumbents on record are Zurich Gruppe Deutschland, ERGO (Munich Re Group), AXA Konzern AG, Allianz Lebensversicherung and Generali Deutschland. Direct peers are HUK-COBURG, HanseMerkur Versicherungsgruppe, Debeka Versicherung, R+V Versicherung and Nürnberger Versicherung.
Does WWK Lebensversicherung have an API?
No public API is recorded for WWK Lebensversicherung.
What industry is WWK Lebensversicherung in?
WWK Lebensversicherung's product category is Life Insurance. Its primary akta.pro industry code is FSAIABAG, Guaranteed Issue Whole Life Insurance, with a secondary code of FSAIADAD, Group Variable Universal Life (GVUL). Its NAICS code is 52411 and its SIC code is 6311.