Policen Direkt

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.

Name

Policen Direkt

Website

https://policendirekt.de

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

51–100 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

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core 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

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights2 records

Direct 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

• Xx.com/policendirekt
• Facebookfacebook.com/PolicenDirekt

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Policen Direkt