MORGEN & MORGEN
MORGEN & MORGEN GmbH is a German independent analysis house providing SaaS-based insurance tariff comparison, ratings across 22 categories, and advisory software to insurance brokers, insurers, and product managers across Germany and Austria.
- Company typePrivate
- Founded1992
- HeadquartersHofheim Am Taunus, Germany
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What MORGEN & MORGEN does
MORGEN & MORGEN GmbH is a privately held German analysis house that provides independent insurance ratings, tariff comparison software, and advisory tools to insurance intermediaries (Versicherungsvermittler), insurance companies (Versicherer), and product managers across the German and Austrian insurance markets. Founded in 1989 and headquartered in Rüsselsheim am Main with 51-100 employees, the company positions itself as a market leader in analysis and comparison software for the German insurance sector. Its customer base includes major German insurers (Allianz, ERGO, AXA, HUK-COBURG, Debeka, Württembergische, Nürnberger Versicherung, Alte Leipziger, Die Stuttgarter, Canada Life, getsafe) and major broker networks (VEMA, Deutscher Maklerverbund, JDC), with Stiftung Warentest as a public-facing reference partner.
The product portfolio comprises six core browser-based SaaS tools. M&M Office is the central analysis and comparison platform; M&M Companion is an AI-powered advisory tool (Berater-KI) for tariff and insurance condition (AVB) questions; M&M TarifOptimierer compares existing contracts with current market tariffs; M&M Fördervergleich is a subsidy comparison calculator for the new German Altersvorsorgedepot (AV-Depot) launching in 2027; M&M Tarifradar provides market observation for product managers; and InSWOT Analyzer supports life insurance product development with anonymized POS data and stochastic simulations. Proprietary technology includes the Volatium stochastic simulation model (10,000 scenarios for retirement product yield projections) and an independent rating methodology covering 22 corporate and tariff rating categories. The underlying data asset spans 393+ providers and 83,000+ calculable tariffs, supplemented by anonymized point-of-sale (POS) data from broker transactions.
MORGEN & MORGEN operates a hybrid revenue model combining annual SaaS subscriptions, rating seal licensing, and professional services. Entry-level subscriptions start at €9/month for M&M Fördervergleich and €30/month for M&M TarifOptimierer with 3-day free trials and annual billing; enterprise and white-label deployments are priced separately. Ratings are conducted free-of-charge for insurers, but certified 4-5 star insurers may license the M&M Rating Seal for marketing use over 12 calendar months. Additional revenue comes from custom actuarial analyses, certifications, stochastic simulations, and individual consulting studies. Go-to-market combines direct website sales, inside/field sales for mid-market and enterprise, channel partnerships through broker pools, and white-label/embedded deployment; a strategic partnership with opal Hard- und Software Consulting (June 2026) extends the offering into end-to-end digital sales processes for the 2027 AV-Depot market.
MORGEN & MORGEN firmographics
Firmographics- Name
- MORGEN & MORGEN
- Legal name
- MORGEN & MORGEN GmbH
- Website
- https://morgenundmorgen.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- MORGEN & MORGEN GmbH is a German independent analysis house providing SaaS-based insurance tariff comparison, ratings across 22 categories, and advisory software to insurance brokers, insurers, and product managers across Germany and Austria.
- Ownership category
- akta.pro rank
MORGEN & MORGEN industry classification
Industry- Product category
- Insurance Analytics and Rating Software
- NAICS
- Software Publishers (513210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
Keywords
Where MORGEN & MORGEN is headquartered
LocationHeadquarters
- HQ city
- Hofheim Am Taunus
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
MORGEN & MORGEN business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Subscriptions (SaaS): Browser-based SaaS software sold via annual subscriptions. Products include M&M Office, M&M TarifOptimierer, M&M Fördervergleich, M&M Tarifradar, InSWOT Analyzer, and M&M Companion. Subscription tiers include test/free periods followed by paid annual plans. White-label deployment options available.
- Rating Services and Seals: Free-of-charge ratings for insurers; certified companies with 4-5 stars may license the M&M Rating Seal for 12 calendar months for use in marketing and communications (web and print).
- Individual Analysis and Consulting Services: Custom actuarial analyses, certifications, stochastic simulations, and individual studies for insurers and product managers. Services include automated tariff assessment, product management support, and market observation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | M&M Fördervergleich – Testversion (3 Tage kostenlos) |
| Subscription | Annual | M&M Fördervergleich – Abo (12 Monate) |
| Freemium | Pay-as-you-go | M&M TarifOptimierer – Testversion (3 Tage kostenlos) |
| Subscription | Annual | M&M TarifOptimierer – Abo (12 Monate) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
MORGEN & MORGEN product offering
Product offeringCore offering
MORGEN & MORGEN develops and sells browser-based SaaS software for insurance tariff analysis, comparison, and optimization (M&M Office, M&M Companion, M&M TarifOptimierer, M&M Fördervergleich, M&M Tarifradar, InSWOT Analyzer) to insurance intermediaries, insurers, and product managers. The company also publishes independent insurance company and tariff ratings across 22 categories and delivers actuarial analyses, stochastic simulations, and consulting services. All products are offered as annual SaaS subscriptions with optional white-label deployment for insurer and broker-pool partners.
Product overview
MORGEN & MORGEN is an independent analysis house offering a portfolio of six interconnected software tools, six professional services, and a comprehensive rating portfolio for the German and Austrian insurance market. The core platform is M&M OFFICE, an analysis and comparison software for intermediaries and insurers, supplemented by the AI-powered M&M COMPANION (Berater-KI) for tariff-condition advisory, the M&M TARIFOPTIMIERER for comparing existing contracts with current market tariffs, the M&M FÖRDERVERGLEICH for subsidy analysis in the new 2027 retirement savings environment, the M&M TARIFRADAR for product manager market-observation and competitive analysis, and the InSWOT ANALYZER for insurance product success forecasting using anonymized POS data and stochastic simulations. These are complemented by professional services spanning product management, marketing support, digital sales processes, automated tariff review, and actuarial analysis. M&M Ratings provides 22 independent corporate and product ratings across all major insurance lines using a 1-to-5-star methodology based on detailed conditions analysis.
Differentiator
Problem solved
Functional benefit
Brands
- M&M Companion: AI advisor for the insurance world
- M&M Office
- M&M TarifOptimierer
- M&M Fördervergleich
- M&M TarifRadar
- InSWOT Analyzer
- Volatium
- M&M RenditePilot
Products and services
- M&M OFFICE Central analysis and comparison software platform for insurance intermediaries and product managers, providing cross-line, second-fast price-performance comparisons based on proprietary tariff recalculation.
- M&M COMPANION AI-powered advisor tool (Berater-KI) for the insurance world that accesses MORGEN & MORGEN's verified tariff database to provide rapid, qualified answers to tariff-condition questions for intermediaries and service teams.
- M&M TARIFOPTIMIERER Tariff optimization tool that compares existing insurance contracts (including decades-old policies) with current market tariffs, showing performance gaps and optimization potential through a percentage fulfillment score, with support for cross-line comparison and PDF report generation.
- M&M FÖRDERVERGLEICH Subsidy comparison calculator for the new German retirement savings environment (from 2027), comparing Riester pensions and the new Altersvorsorgedepot using individual customer data, showing allowances, tax effects, and optimal switching points. Available as web tool, White-Label, and M&M Office module.
- M&M TARIFRADAR Market observation and competitive analysis solution for insurance product managers, enabling comparison of up to 50 tariffs simultaneously with fulfillment scores, benchmark ratings, and POS filter trends; supports CSV/Excel data export.
- InSWOT ANALYZER Analytics and decision-support platform for life insurance product managers that leverages anonymized POS data, stochastic simulations (Volatium model), and peer-group benchmarking to forecast market success of new tariff designs.
- M&M Ratings Independent, transparent ratings of insurance companies and tariffs across 22 corporate and product rating categories, covering life, health, property, and casualty insurance in Germany and Austria, based on detailed conditions analysis with a 1-to-5-star scoring methodology.
- Produktmanagement & Marktbeobachtung (Service) Software and data solutions service for insurers supporting smarter decision-making in product development and market positioning.
- Marketing & Verkaufsförderung (Service) Services for building trust and strengthening distribution, including data-driven marketing support, rating seals, and market studies for insurers and distributors.
- Digitale Vertriebsprozessunterstützung (Service) Digital sales process support tools for insurers and intermediaries, enabling better advice and faster closings through M&M-powered digital advisory and sales workflows.
- Automatisierte Tarifbewertung (Service) Automated review of existing contracts in portfolio systems to instantly identify whether action is needed, supporting Bestandsarbeit (portfolio maintenance) and advisory workflows.
- Aktuarielle Analysen & Zertifizierungen (Service) State-of-the-art projections and stochastic yield simulations for retirement savings products, including certification services for insurers.
Quantifiable outcome
- 393 providers and 83,000+ calculable tariffs available for cross-category comparison
- +4 more outcomes
Companies that use MORGEN & MORGEN
Customer profileNamed customers16 records
Segments4 records
Ideal customer profiles3 records
MORGEN & MORGEN technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability3 records
Feature9 records
MORGEN & MORGEN partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- opal Hard- und Software Consulting GmbHcoreMORGEN & MORGEN and opal jointly develop digital offer, legitimation, and application processes (Abschlussstrecken) for the new government-subsidized retirement provision depot launching in 2027. Opal contributes its proven technology platform from the investment sector; MORGEN & MORGEN adds insurer web service connections, tariffing expertise, and digital sales support. The solution enables fully digital, compliant end-customer self-service for insurers.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
MORGEN & MORGEN competitors and assessment
Company assessmentDirect peers
- Franke und Bornberg: Independent German insurance rating and analysis house offering company and tariff ratings plus research for insurers and intermediaries — the closest direct peer to M&M's rating and analysis franchise.
- Ascore Das Scoring: German insurance scoring specialist providing independent tariff scoring and product comparisons for brokers, insurers, and comparison portals; overlaps directly with M&M TarifOptimierer and Tarifradar.
- Softfair GmbH: Hamburg-based insurance software vendor offering tariff comparison and biometric calculation APIs to brokers, portals, and insurers; competes head-to-head in German broker comparison tooling.
- JDC Group AG: German insurance fintech platform and broker pool (including Jung, DMS & Cie.) that operates its own advisor technology stack while also partnering with M&M; an overlapping customer and channel partner.
- msg life: Subsidiary of msg Group providing core insurance software, actuarial services and digitalization solutions for German and European Versicherer; competes in actuarial analytics and product management tooling.
Regional players
- Verivox: Leading German consumer comparison portal for insurance, energy, and finance — adjacent insurance comparison distribution channel that also publishes its own ratings and rankings in the German market.
- Check24: Major German comparison platform with significant insurance vertical; a powerful distribution-side peer that influences broker and consumer expectations for comparison tools and ratings in Germany.
Broad incumbents
- Guidewire Software: Global core insurance platform vendor (PolicyCenter, ClaimCenter, InsuranceSuite) used by large Versicherer; a broad incumbent that insurers may turn to for in-sourcing analytics currently handled by M&M.
- Willis Towers Watson (WTW): Global insurance advisory, brokerage, and technology firm offering actuarial consulting, insurance software, and rating-adjacent services to large carriers; a broad incumbent in insurance analytics and benchmarking.
Emerging players
- Infront Financial Technology: European fintech / market-data vendor offering pricing, analytics, and digital solutions to financial intermediaries — an adjacent enabling player with overlap in data-driven advisory tooling for insurance distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
MORGEN & MORGEN social profiles
Digital presenceMORGEN & MORGEN financial estimates
Financial estimateRevenue estimate
Valuation estimate
MORGEN & MORGEN leadership team
Management profileNumber of profiles
Profiles14 records
MORGEN & MORGEN funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MORGEN & MORGEN 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 MORGEN & MORGEN
What does MORGEN & MORGEN do?
MORGEN & MORGEN develops and sells browser-based SaaS software for insurance tariff analysis, comparison, and optimization (M&M Office, M&M Companion, M&M TarifOptimierer, M&M Fördervergleich, M&M Tarifradar, InSWOT Analyzer) to insurance intermediaries, insurers, and product managers. The company also publishes independent insurance company and tariff ratings across 22 categories and delivers actuarial analyses, stochastic simulations, and consulting services. All products are offered as annual SaaS subscriptions with optional white-label deployment for insurer and broker-pool partners.
Is MORGEN & MORGEN a public or private company?
MORGEN & MORGEN is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MORGEN & MORGEN founded?
MORGEN & MORGEN was founded in 1992. It employs 51 to 100 people.
Where is MORGEN & MORGEN based?
MORGEN & MORGEN is headquartered in Hofheim Am Taunus, Germany, in the Europe region.
How does MORGEN & MORGEN make money?
Three revenue lines are on record. Software Subscriptions (SaaS) is the primary driver. The others are rating Services and Seals and individual Analysis and Consulting Services.
Who are MORGEN & MORGEN's main competitors?
Direct peers on record are Franke und Bornberg, Ascore Das Scoring, Softfair GmbH, JDC Group AG and msg life. Regional players are Verivox and Check24. Broad incumbents are Guidewire Software and Willis Towers Watson (WTW). Infront Financial Technology is listed as an emerging player.
Does MORGEN & MORGEN have an API?
No public API is recorded for MORGEN & MORGEN.
What industry is MORGEN & MORGEN in?
MORGEN & MORGEN's product category is Insurance Analytics and Rating Software. Its primary akta.pro industry code is FSAGAGAB, Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS). Its NAICS code is 513210 and its SIC code is 6411.