Policen Direkt
Policen Direkt is a Frankfurt-based insurance broker founded in 2003 that specializes in the secondary market for life insurance policies, serving policyholders and investors across Germany and Austria with 101–250 employees.
- Company typePrivate
- Founded2003
- HeadquartersFrankfurt, Germany
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Policen Direkt does
Policen Direkt is a Frankfurt-based insurance broker (Versicherungsmakler) that specializes in the secondary market for life insurance policies in Germany and Austria. The firm operates in a distinct niche from primary life insurance distribution: it advises on and intermediates the sale, purchase, and management of existing life insurance contracts, where policyholders transfer beneficial interests in their policies — typically to investors — at a discount to face value. The company was founded in 2003 and has grown to a workforce of 101–250 employees, with Simon Nortersheuser identified as co-founder. Its corporate web presence operates under the slogan "Rundum sorglos versichert" (Fully insured without worry) and the domain policendirekt.de.
The business model is consistent with brokerage economics in this niche: revenue is most plausibly generated through commissions or fees on secondary market transactions involving existing life insurance policies. The dual-customer structure typical of the segment — policyholders seeking liquidity and investors seeking discounted future cash flows — implies the firm serves two distinct client cohorts. However, no specific revenue model, pricing structure, distribution channels, customer segments, transaction volume, or commission rates are disclosed in the available source material.
Beyond the stated Germany/Austria geographic scope and the secondary life insurance specialization, no information is available on product breadth, technology infrastructure, partnerships, regulatory licensing details, certifications, funding history, M&A activity, or the broader senior leadership roster beyond the co-founder. The absence of disclosed financial or strategic activity indicates a privately held firm with limited public transparency.
Policen Direkt firmographics
Firmographics- Name
- Policen Direkt
- Website
- https://policendirekt.de
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Policen Direkt is a Frankfurt-based insurance broker founded in 2003 that specializes in the secondary market for life insurance policies, serving policyholders and investors across Germany and Austria with 101–250 employees.
- Ownership category
- akta.pro rank
Where Policen Direkt is headquartered
LocationHeadquarters
- HQ city
- Frankfurt
- HQ country
- Germany
- HQ region
- Europe
Markets served
Policen Direkt business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Policen Direkt product offering
Product offeringCore offering
Policen Direkt operates as an insurance broker (Versicherungsmakler) based in Frankfurt, Germany, specializing in life insurance for the secondary market in Germany and Austria. The firm arranges and advises on insurance products under the tagline "Rundum sorglos versichert" (Fully insured), serving clients seeking coverage solutions through brokering and advisory services.
Product overview
Policen Direkt operates as an insurance broker (Versicherungsmakler), offering insurance advisory and policy management services. Based on the limited source data, no specific named products, modules, or sub-brands were identified — only a generic homepage indicating they provide insurance brokerage services with the tagline 'Rundum sorglos versichert' (Fully insured).
Differentiator
Problem solved
Functional benefit
Products and services
- Secondary-Market Life Insurance Brokerage
Companies that use Policen Direkt
Customer profileIdeal customer profiles1 record
Policen Direkt technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Policen Direkt partnerships and signals
Strategic signalRecent moves3 records
Expansion highlights2 records
Policen Direkt competitors and assessment
Company assessmentDirect peers
- ZweitmarktPolicen.de (HSC Personal Germany): Direct German secondary-market life insurance broker catering to policyholders seeking to sell existing policies; closest functional and geographic overlap to Policen Direkt.
- Logran AG: Germany-based specialist in trading secondary life insurance policies; directly competes with Policen Direkt on the same buyer/seller-side secondary-market flow.
- Coventry Capital (Life Settlements Europe): Cross-Atlantic secondary life insurance broker/sourcing firm with European activity; functionally analogous to Policen Direkt in matching policy sellers with institutional buyers, though Covfs is more institutional-buyer oriented.
- Cash.Life AG: German-headquartered broker and operator in the secondary life insurance market; one of the most visible direct competitors to Policen Direkt in the German-speaking resale/life settlement niche.
- Win-Cap GmbH: European life insurance secondary-market specialist covering Germany and select Continental markets; comparable to Policen Direkt in its buyer-of-policies model and German-speaking coverage.
Broad incumbents
- Check24 Vergleichsportal GmbH (life insurance vertical): Largest German insurance aggregator; competes with Policen Direkt by routing consumer life insurance demand through a digital comparison channel rather than specialist secondary-market advice.
- MLP SE: Established German financial services and insurance broker with broad life and health offerings; competes for the same affluent German consumer cohort as Policen Direkt, though MLP is significantly larger and broader in scope.
- Swiss Life Select (Deutschland): Large-scale German financial advisory and insurance brokerage network; competes for DACH life insurance customers including those considering policy sale or restructuring, though typically focused on new policy placement.
- Verivox (life insurance vertical): German price-comparison platform with a life insurance brokerage leg; competes for the same end customer looking at primary and secondary life policies.
Regional players
- Dr. Siegers & Partner Vermögensplanung AG: Germany-based insurance broker with a strong life-insurance and policyholder advisory practice; comparable as a multi-line broker where life products (including secondary-market advisory) feature prominently.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Policen Direkt social profiles
Digital presencePolicen Direkt financial estimates
Financial estimateRevenue estimate
Valuation estimate
Policen Direkt leadership team
Management profileNumber of profiles
Profiles1 record
Policen Direkt funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Policen Direkt M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Policen Direkt
What does Policen Direkt do?
Policen Direkt operates as an insurance broker (Versicherungsmakler) based in Frankfurt, Germany, specializing in life insurance for the secondary market in Germany and Austria. The firm arranges and advises on insurance products under the tagline "Rundum sorglos versichert" (Fully insured), serving clients seeking coverage solutions through brokering and advisory services.
Is Policen Direkt a public or private company?
Policen Direkt is a private company. It is classified as unknown and is currently operating.
When was Policen Direkt founded?
Policen Direkt was founded in 2003. It employs 101 to 250 people.
Where is Policen Direkt based?
Policen Direkt is headquartered in Frankfurt, Germany, in the Europe region.
Who are Policen Direkt's main competitors?
Direct peers on record are ZweitmarktPolicen.de (HSC Personal Germany), Logran AG, Coventry Capital (Life Settlements Europe), Cash.Life AG and Win-Cap GmbH. Broad incumbents are Check24 Vergleichsportal GmbH (life insurance vertical), MLP SE, Swiss Life Select (Deutschland) and Verivox (life insurance vertical). Dr. Siegers & Partner Vermögensplanung AG is listed as a regional player.
Does Policen Direkt have an API?
No public API is recorded for Policen Direkt.