ePension

What ePension does

ePension (epension GmbH) is a Hamburg-headquartered, German-focused InsurTech SaaS provider for the administration of corporate pension schemes (bAV) and, more recently, corporate health insurance (bKV). The company operates a cloud-based digital platform composed of four interconnected portals — an Employer Portal (Arbeitgeber-Portal) for self-service administration, a Broker Administration Program (Maklerverwaltungsprogramm/MVP) with interfaces to all licensed German insurers, an integrated Advisor Portal (Beraterportal) for workforce consultations, and a Digital Broker Mail module that replaces postal document delivery. The technical architecture is built around plausibility-validated data feeds to insurer backends, pre-population of advisor workflows, and a shared data layer across the insurer–broker–employer–employee value chain, enabling fully digital, paperless administration that satisfies German regulatory requirements (the platform is certified to DIN ISO/IEC 27001).

Name

ePension

Legal name

epension GmbH

Website

https://epension.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

ePension is a German InsurTech SaaS platform that digitizes corporate pension (bAV) and corporate health insurance (bKV) administration for insurers, brokers, employers, and employees through integrated portals and insurer-backend interfaces.

Ownership category

akta.pro rank

Product category

Corporate Pension Administration Software

NAICS

Software Publishers (513210)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

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

Keywords

• Corporate pension software
• Insurance administration platform
• Broker management software
• Digital pension solutions
• Insurtech platform

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform/SaaS Licensing: Annual platform licensing fees to insurance companies and intermediaries for access to digital administration portals, broker management systems, and employer/employee self-service portals. Revenue is recurring subscription-based, scaling with customer count and contract portfolio volume.
2. Per-Transaction Fees: Transaction fees for digital business transactions processed through the platform, including policy changes, new enrollments, and document processing.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

ePension provides a cloud-based digital administration platform for corporate pensions (bAV) and corporate health insurance (bKV) in Germany. The platform connects insurance companies, intermediaries/brokers, employers, and employees through dedicated web portals (Employer Portal, Broker Administration Program/MVP, Advisor Portal) and replaces paper-based workflows with plausibility-checked, fully digital contract and document administration. The platform is sold primarily as a licensed B2B SaaS solution to insurers and brokers, often deployed in white-label or co-branded form for their employer clients.

Product overview

ePension is a digital platform for managing occupational provident funds (betriebliche Vorsorge), encompassing company pension schemes (bAV) and company health insurance (bKV). The platform is built around an Employer Portal and a Broker Administration Program (Maklerverwaltungsprogramm – MVP), supplemented by an integrated Advisor Portal and a Digital Broker Mail feature. Separate solution tracks are offered for insurers (positioning them as digital insurers with plausibilized data feeds and digital advisory tools) and for intermediaries/brokers (providing scalable digital contract administration and sales acceleration). All products share a common data layer and enable fully digital, paperless processes across the entire value chain of occupational provident fund management.

Differentiator

Problem solved

Functional benefit

Products and services

• Employer Portal (Arbeitgeber-Portal) Self-service employer-facing portal enabling employers and their employees to manage bAV/bKV contracts, submit change notifications, and request advisory consultations via messenger with full document management. Provided to employers via insurer and broker partners, typically as white-label or co-branded deployment.
• Broker Administration Program (Maklerverwaltungsprogramm / MVP) Broker-side administration system for corporate pension management with interfaces to all licensed German insurers. Enables full digital processing of all business transactions across the broker's entire portfolio, including third-party contracts held at other insurers, plus integrated digital broker mail.
• Advisor Portal (Beraterportal) Integrated advisor portal that lets intermediaries conduct efficient workforce consultations at new employer clients and increase penetration at existing customers. Application and policy issuance are completed fully digitally with data pre-populated from the administration portal, eliminating duplicate data entry.
• Digital Broker Mail (Volldigitalisierte Maklerpost) Digital document delivery system that replaces physical postal mail to employer clients. Documents are made available digitally within the employer portal, satisfying legal requirements while reducing costs and environmental impact.

Quantifiable outcome

• Noticeable relief and significantly higher efficiency through automated digital processes
• +3 more outcomes

Named customers5 records

Segments4 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

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• E&P PensionsmanagementcoreStrategic or Co-development Partner · 1 January 1993The sister company E&P Pensionsmanagement (broker) was founded in 1993. Due to strong growth in corporate pension administration, a technological solution was needed to continue scaling - leading to the founding of ePension. Together, the companies have deep roots in the insurance sector.
• All German-Licensed InsurerscoreTechnology or IntegrationThe broker administration program (MVP) for corporate pension administration has interfaces to all licensed insurers in Germany, enabling complete portfolio management across the entire German insurance market.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• msg life AG: Munich-based insurance core systems specialist focused on life insurance and pensions in German-speaking markets. Highly comparable to ePension as both sell software to German insurers for life/pension policy administration and product management.
• adesso SE (Insurance Solutions): German IT services and software group with a dedicated Insurance Solutions division serving insurers and brokers across policy administration, claims, and distribution. Competes with ePension for similar German insurance IT budgets and operates in the bAV/bKV space.
• ASSFINET GmbH: German vendor of broker administration software (Maklerverwaltungsprogramm) for insurance intermediaries. Highly comparable to ePension's MVP product as both target German Vermittler managing multi-carrier portfolios including bAV.
• pensExpert GmbH: Specialist German provider of bAV administration and consulting software. Directly comparable to ePension in target segment (corporate pensions) and customer base (employers, brokers, insurers).

Emerging players

• Policendirect GmbH: Earlier-stage digital platform for insurance document and policy administration in Germany. Comparable to ePension as an emerging SaaS alternative for bAV/pension workflow digitization, though narrower in product scope.

Regional players

• Funk Gruppe: Large German insurance broker and risk consultancy; featured as a customer logo on ePension's website. Comparable as a regional player in the same bAV/bKV broker channel that ePension serves through its MVP.
• mlp SE: German financial services and brokerage group with a focus on pensions, insurance, and wealth advice. Comparable as a regional player operating in adjacent bAV advisory and brokerage channels served by ePension's advisor portal.

Broad incumbents

• Viridium Group: German insurance platform managing closed and open life insurance portfolios for major carriers. Comparable as a broader insurance platform incumbent operating adjacent to ePension's bAV administration niche.
• DATEV eG: German cooperative IT provider for tax advisors, accountants, and SMEs. Relevant peer as a broad incumbent in German SME back-office software that intersects with employer-side payroll and benefits administration workflows.

Others

• SV Informatik (Versicherungsforen Leipzig Group): IT services and consulting group serving German insurers (formerly SV Informatik). Comparable as an enabling IT/consulting vendor to the same insurance customers ePension targets, though not a direct SaaS competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/epension-gmbh-co-kg

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 ePension