ANIVO 360 AG

What ANIVO 360 AG does

Anivo 360 AG is a Swiss-headquartered insurtech founded in 2015 that provides a proprietary SaaS bancassurance platform, AnivoCore, enabling banks, insurers, and ecosystem partners to develop, distribute, and administer insurance products without modifying their core IT systems. The company operates across three modular product lines: AnivoCT (a bank-facing technology platform that is architecturally decoupled from bank infrastructure and runs in a browser), AnivoCX (a managed Bancassurance-as-a-Service bundle that supplements the platform with Anivo's certified insurance experts conducting video-based advisory on behalf of bank partners), and AnivoCI (a digital distribution platform for insurers that allows new products to be configured and launched without changes to core insurance systems). A separate white-label offering extends the platform to telecom, retail, and property-management partners. End-to-end encryption and ISO-IEC-27002 compliance underpin the platform's security posture.

The company generates revenue through subscription platform licensing to bank and insurer partners, managed advisory services, professional services for co-developed insurance products, and transaction commissions earned as a registered insurance broker. Its flagship deployment is with Basellandschaftliche Kantonalbank (BLKB) in partnership with Basler Versicherungen and Servicehub AG (BLKB's tied-broker subsidiary), which together produced over 1,000 policies and 7,000+ video consultations by early 2021, with documented conversion rates of 50–60% and an NPS of 60. Anivo also operates with AXA ARAG (legal protection) and Vorarlberger Landes-Versicherung in Austria, where it delivered the country's first fully digital, paperless insurance conclusion via video. The company maintains engineering and operations hubs in Steinhausen (headquarters), Zurich (advisory center), and Dornbirn, Austria (R&D), with approximately 20 employees and is 100% privately held by management, employees, and private investors from Germany, Switzerland, and Austria.

Name

ANIVO 360 AG

Legal name

Anivo 360 AG

Website

https://anivo360.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurtech / Bancassurance Software

NAICS

Software Publishers (5132), Software Publishers (513210)

SIC

Services-Prepackaged Software (7372), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Bancassurance software
• Insurance distribution platform
• Digital insurance advisory
• Insurtech SaaS
• Video insurance consultation

Headquarters

HQ city

Steinhausen

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Bancassurance-as-a-Service (SaaS Platform Licensing): Anivo360 provides its AnivoCore SaaS platform to financial institutions (banks and insurers) in the DACH region. Banks and ecosystem partners use the white-label platform to sell insurance products. Revenue is generated through platform licensing fees (subscription-based) to partner banks and insurers.
2. Insurance Advisory / Consulting Services: Anivo provides certified insurance experts who conduct video-based advisory consultations on behalf of partner banks and insurers (outsourcing/Bancassurance-as-a-Service model). Anivo experts are drawn into bank customer meetings via video call to provide expert insurance advice. This is offered as a managed service to partners.
3. Insurance Product Innovation & Development: Anivo collaborates with insurers and banks to develop exclusive, tailored insurance products for specific customer segments (e.g., mortgage customers). New products are mapped and technically implemented on AnivoCore within weeks.
4. Insurance Distribution Commission: Anivo acts as an insurance broker and generates commissions from the sale of insurance policies through its platform and advisory services. With its BLKB partnership through Servicehub AG acting as tied broker, and as a registered insurance broker, commissions from policy sales contribute to revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

ANIVO 360 AG provides a proprietary multi-tenant SaaS platform (AnivoCore) that enables banks, insurers, and ecosystem partners to develop, distribute, and administer insurance products fully digitally. The offering combines software-guided video-based advisory with certified insurance experts, paperless policy conclusion, automated policy administration, and commission calculation. It is delivered as Bancassurance-as-a-Service to financial institutions in the DACH region.

Product overview

Anivo 360 AG offers a modular SaaS Bancassurance platform ecosystem centered on AnivoCore, which provides the foundational multi-tenant technology for insurance product development, distribution, and operations. The portfolio comprises AnivoCT (Bancassurance technology platform for banks), AnivoCX (Bancassurance as a Service with integrated consultancy), and AnivoCI (digital distribution platform for insurers). A white-label insurance platform enables companies to distribute insurance as annex products. All solutions support browser-based video consultation for insurance advice, paperless policy conclusion via video recording, and integration without modifying client bank or insurance IT systems.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Insurance product launch time reduced by 6x compared to industry standard (weeks vs. months/years)
• +8 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Vorarlberger Landes-Versicherung V.a.G. (VLV)coreStrategic or Co-development Partner · 1 May 2019VLV became the first insurer in Austria to offer fully digital, paperless insurance conclusion via video consultation using the AnivoCore platform, starting with a capital life insurance product in May 2019. Anivo designed the end-to-end consulting process, making it compliant with Austrian regulations (VAG, IDD, PRIIPS, GDPR). The solution achieved conversion rates above 60%.
• BLKB (Basellandschaftliche Kantonalbank)coreStrategic or Co-development Partner · 7 March 2018BLKB partnered with Anivo360 and Basler Versicherungen to offer two exclusive insurance products (building protection and family protection) for BLKB mortgage customers. Distribution is handled through Servicehub AG, a BLKB subsidiary. The Anivo platform provides the technology and certified insurance experts for video-based advisory. BLKB is Anivo's first and flagship bank partner. As of 2021, four Swiss bank partners were active under this model.
• Basler Versicherungen (Baloise)coreStrategic or Co-development Partner · 7 March 2018Basler Versicherungen developed insurance products specifically for BLKB's mortgage customers as part of the Bancassurance partnership. Products were designed, calculated, and technically implemented on AnivoCore within 12 weeks. Basler is the primary insurer providing the insurance policies for the BLKB/Anivo solution.
• Servicehub AGcoreChannel Partner/ Reseller/ Distributor · 7 March 2018Servicehub AG is a 100%-owned subsidiary of BLKB (share capital: CHF 2,000,000) acting as the tied insurance broker. It provides insurance brokerage services for the Anivo-powered Bancassurance solution and plans to offer the same all-in-one package to other Swiss retail banks.
• Anivo IT Services GmbHminorOthersAnivo IT Services GmbH (based in Dornbirn, Austria) provides IT services and infrastructure maintenance for the Anivo platform. A Data Processing Agreement is in place between Anivo 360 AG and Anivo IT Services GmbH to ensure data protection compliance.
• e-foresight (Swisscom)minorOthersE-foresight is an independent digital banking think tank from Swisscom. It conducted an intensive analysis of Anivo's Bancassurance solution and published a start-up portrait recommending Anivo's approach to Swiss banks. This provided third-party industry credibility and endorsement.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ELEMENT Insurance: German insurance-as-a-service platform that enables partners to launch and distribute insurance products digitally without owning an insurance license. Directly comparable to Anivo's white-label bancassurance and ecosystem play, with a similar focus on decoupled architecture and rapid product launches.
• hepster: German insurtech providing embedded insurance APIs and white-label platforms for non-insurance brands (retail, mobility, travel). Comparable to Anivo's ecosystem/affinity distribution layer and 'Acquisition-as-a-Service' model targeting non-bank partners.
• wefox: Berlin-based insurance platform serving consumers and partner brokers with digital distribution and advisory tools. Closely comparable DACH insurtech focused on digitizing insurance sales, though consumer-led rather than bank-led like Anivo.
• Clark: Frankfurt-based insurtech offering digital insurance management and broker services across Germany. Comparable as a DACH insurance technology and distribution platform, though primarily consumer-facing rather than B2B bank channel.
• GetSafe: Heidelberg-based digital insurance broker providing app-based insurance products. Comparable DACH insurtech with focus on digital insurance distribution, though consumer-facing rather than focused on bank-channel integration.

Broad incumbents

• Backbase: Global banking platform provider offering digital banking, onboarding and insurance capabilities to large banks. Comparable as an incumbent selling into bank digitalization budgets, but with a much broader banking platform portfolio versus Anivo's focused bancassurance play.
• eBaoTech: Global insurance core systems and digital platform provider serving insurers across Asia, EMEA and the Americas. Comparable in providing insurance distribution and policy administration platforms, but as a broad incumbent with international scale versus Anivo's niche DACH focus.
• Guidewire Software: Major provider of core systems and digital platforms for property & casualty insurers globally. Comparable at the insurance-platform layer (policy admin, claims, distribution), but focused on core system replacement rather than Anivo's lighter-weight bancassurance enablement.
• Prima Solutions: European SaaS provider of insurance management software for life, health and P&C insurers, including distribution and policy administration. Comparable as an incumbent insurance software vendor targeting European insurers, though a broader SaaS suite rather than a bancassurance specialist.
• Fadata: European insurance software vendor providing core platforms for life and health insurers including policy administration and product configuration. Comparable as a European insurance technology incumbent serving similar DACH/EU insurer buyers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/AnivoInsurance
• LinkedInlinkedin.com/company/anivo
• Facebookfacebook.com/anivoinsurancebroker

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

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 ANIVO 360 AG