What OVB Allfinanz España S.A. does

OVB Allfinanz España S.A. is a Madrid-headquartered tied insurance agency (agencia de seguros vinculada) and the Spanish subsidiary of the pan-European OVB Group, operating in Spain since 2002 and registered with the Dirección General de Seguros y Fondos de Pensiones under key AJ0230. The company distributes a multi-carrier product portfolio — covering life insurance, risk and family protection, savings and investment products, health, legal protection, and mortgage intermediation — sourced from more than 20 insurance and financial partners including Allianz, AXA, Mapfre, Generali, DKV, Zurich, SegurCaixa Adeslas, Santa Lucía, ARAG, and Avanza Previsión.

The company's go-to-market is sales-led: OVB España delivers personalized, long-term financial advisory exclusively through a network of financial consultants who meet clients at OVB offices, at the client's location, or via video conference, using a proprietary advisory methodology (Método de Asesoramiento OVB) that combines structured analysis with regular service appointments. Its technology stack is built on standard SaaS rather than proprietary AI — a client portal, an online financial calculator hosted via ovbsimuladores.afi.es, Zoom for remote advisory, Adobe Sign for digital contracting, Google Analytics, Google Ads, and Facebook Pixel for marketing — with GDPR, AML/PBCFT, and partial ENS accessibility compliance.

OVB España generates revenue primarily through insurance commissions on policies placed via its consultant network, supplemented by mortgage intermediation fees. Pricing is not publicly disclosed; the company explicitly states that insurance-intermediation remuneration does not vary based on sustainability-risk considerations. Customers are Spanish individuals and families seeking integrated financial planning, and in 2025 the entity was recognized by Allianz as its Best Tied Agent and by AXA with the Best Life Management award, reinforcing its standing within the Spanish tied-agency channel.

Name

OVB Allfinanz España S.A.

Legal name

OVB Allfinanz España S.A.

Website

https://ovb.es

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

501–1,000 employees

Short description

OVB Allfinanz España S.A. is a Madrid-based tied insurance agency and Spanish subsidiary of the pan-European OVB Group, delivering personalized, long-term financial advisory to individual and family clients through a consultant network distributing products from 20+ insurance partners.

Ownership category

akta.pro rank

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: OVB Allfinanz España S.A. acts as a tied insurance agency (agencia de seguros vinculada) earning commissions from insurance product sales through its network of financial consultants. The company has agency agreements with over 20 insurance partners including major providers such as Allianz, AXA, Mapfre, Generali, and others. Revenue is generated through commissions on life insurance, risk protection, savings, and investment products.
2. Mortgage Intermediation Services: The company provides mortgage intermediation services, helping clients find appropriate financing solutions through expert mortgage consultants.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

OVB Allfinanz España S.A. operates as a tied insurance agency (agencia de seguros vinculada) providing comprehensive, long-term financial advisory services to individual clients and families. The company analyzes each client's financial situation, goals, and life circumstances, then recommends tailored insurance, savings, investment, retirement, and mortgage solutions drawn from a portfolio of more than 20 partner insurance providers including Allianz, AXA, Mapfre, and Generali.

Product overview

OVB Allfinanz España S.A. is a tied insurance agency (agencia de seguros vinculada) offering comprehensive financial advisory services for individuals. The company operates as part of the European OVB financial intermediation group, providing a portfolio of financial planning solutions including financial consulting, family protection insurance, retirement planning, health products, mortgage intermediation, and financial education. The company works with over 20 partner insurance providers (including Allianz, AXA, Mapfre, Generali, DKV, Zurich, and others) to offer tailored solutions. The core offering centers on personalized financial consulting using OVB's systematic advisory methodology, supplemented by digital tools such as a financial calculator and educational resources.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Advisory (Consultoría Financiera) Comprehensive financial advisory service providing personalized financial planning for individuals, including analysis of financial situations, goal setting, and long-term wealth management strategies delivered through a network of financial consultants.
• Family Protection Insurance (Seguro de Protección Familiar) Family protection insurance solutions offering coverage for unexpected events and income protection for families, intermediated through partner insurance providers.
• Retirement Planning (Planificación de Jubilación) Retirement planning services helping clients prepare financially for their future retirement through savings and investment products intermediated from partner providers.
• Health Insurance Products (Productos de Salud) Health-related insurance products intermediated for individual clients through partner providers such as DKV Seguros and other health insurers.
• Mortgage Intermediation (Intermediación Hipotecaria) Mortgage intermediation service connecting individual clients with expert mortgage advisors to find suitable financing solutions through partner lenders.
• Financial Education (Educación Financiera) Financial education resources including podcasts and educational content to help individual clients understand financial concepts and make informed decisions.

Quantifiable outcome

• 3.4 million+ clients served with 50 years of experience
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature2 records

Partnerships

18 partnerships are on record, tiered minor, core and major.

• ELA ExtremaduraminorOthers · 20 June 2026OVB España made a donation of €5,000 to ELA Extremadura Association to support their daily work in accompanying patients and families, as well as raising awareness of ALS (Amyotrophic Lateral Sclerosis). OVB participated in the Solidarity Match for ALS in Cáceres.
• Allianz, Compañía de Seguros y Reaseguros, S.A.coreChannel Partner/ Reseller/ DistributorOVB Allfinanz España S.A. has a signed insurance agency agreement with Allianz. In 2025, OVB was recognized by Allianz as the Best Tied Agent (Mejor Agente Vinculado), achieving the highest overall score among Allianz's tied agents for work in personal and family income protection, especially through life risk products.
• AXA Aurora Vida S.A. / AXA Seguros GeneralescoreChannel Partner/ Reseller/ DistributorOVB has agency agreements with AXA for life and general insurance products. In 2025, AXA recognized OVB España with the Best Life Management award (Premio a la Mejor Gestión de Vida) for excellence in comprehensive life insurance solutions including protection and financial planning.
• Mapfre España / Mapfre VidacoreChannel Partner/ Reseller/ DistributorOVB has signed agency agreements with Mapfre España, Compañía de Seguros y Reaseguros, and Mapfre Vida S.A. for life insurance products.
• Generali España S.A. / Generali Seguros y ReaseguroscoreChannel Partner/ Reseller/ DistributorOVB has agency agreements with Generali España S.A. de Seguros y Reaseguros, Generali Seguros y Reaseguros S.A., and Generali Seguros y Reaseguros, S.A.U.
• Avanza Previsión, Compañía de Seguros S.A.coreChannel Partner/ Reseller/ DistributorOVB España signed an agreement with Avanza Previsión to market savings products, expanding its product portfolio for clients.
• DKV Seguros / ERGO Vida Seguros y ReasegurosmajorChannel Partner/ Reseller/ DistributorOVB has agency agreements with DKV Seguros y Reaseguros Sociedad Anónima Española and ERGO Vida Seguros y Reaseguros, S.A.
• Santa Lucía Vida y Pensiones / Santa Lucía S.A.majorChannel Partner/ Reseller/ DistributorOVB has agency agreements with Santa Lucía Vida y Pensiones S.A. and Santa Lucía, S.A. Compañía de Seguros y Reaseguros.
• SegurCaixa Adeslas, S.A.majorChannel Partner/ Reseller/ DistributorOVB has an agency agreement with SegurCaixa Adeslas, S.A. de Seguros y Reaseguros.
• Zurich Vida / Zurich Insurance Europe AGmajorChannel Partner/ Reseller/ DistributorOVB has agency agreements with Zurich Vida, Compañía de Seguros y Reaseguros, S.A. and Zurich Insurance Europe AG, Sucursal en España.
• ARAG S.E., Sucursal EspañamajorChannel Partner/ Reseller/ DistributorOVB has an agency agreement with ARAG S.E., Sucursal España for legal protection insurance products.
• Intesa Sanpaolo Assicurazioni S.P.A.majorChannel Partner/ Reseller/ DistributorOVB has an agency agreement with Intesa Sanpaolo Assicurazioni S.P.A.
• La Previsión Mallorquina de Seguros, S.A.minorChannel Partner/ Reseller/ DistributorOVB has an agency agreement with La Previsión Mallorquina de Seguros, S.A.
• Occident GCO, S.A.U.minorChannel Partner/ Reseller/ DistributorOVB has an agency agreement with Occident GCO, S.A.U. de Seguros y Reaseguros.
• FWU Life Insurance Lux S.A.minorOthersOVB provided information to clients about FWU Life Insurance Lux S.A., which entered liquidation proceedings in January 2025. OVB has communicated with affected clients about the liquidation process and claims procedures, though FWU was not a direct product partner for new sales.
• Teatro RealminorGTM or Marketing PartnerOVB España has joined as a benefactor of Teatro Real, supporting cultural initiatives. The partnership aligns with OVB's belief that culture educates, inspires, and transforms - similar to how financial planning helps people make more conscious decisions.
• Ferrero Tennis AcademyminorGTM or Marketing PartnerOVB España and Ferrero Tennis Academy renewed their commitment to promote young tennis talents' careers.
• Fundación Eusebio SacristánminorGTM or Marketing PartnerOVB España and Fundación Eusebio Sacristán collaborate to promote 'Escuela 100x100 Deporte' in Castilla y León and Cataluña, supporting sports education programs.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Regional players

• Caser (Caja de Seguros Reunidos): Spanish multi-line insurer with strong bancassurance and tied-agent distribution selling life, health, home and funeral products. Competes with OVB for the same Spanish retail savings and protection wallet.
• Santalucia (Santa Lucía Vida y Pensiones): Spanish insurer focused on life, pensions and funeral protection, distributed partly through tied agents. Listed as a Major OVB partner and a competitor for the same Spanish retail protection and retirement clients.
• Mutua Madrileña: Spanish mutual insurer with proprietary tied-agent distribution selling life, health, auto and home products. Direct competitor for OVB's Spanish retail client base, though operating exclusively under a single-carrier brand.

Broad incumbents

• Aon Iberia: Global insurance brokerage and advisory firm with substantial Spanish retail wealth and financial advisory operations. Overlaps with OVB on insurance intermediation and financial planning for individuals, but skews upmarket and corporate.
• Mapfre: Spain's largest insurance group and one of OVB's Core partners. Operates its own tied/bancassurance distribution and competes in the same Spanish insurance and financial advisory market, but as an underwriter-carrier rather than a pure intermediary.
• Catalana Occidente / Occident GCO: Spanish insurance group combining Catalana Occidente, Plus Ultra and Seguros Bilbao under multi-channel distribution including tied agents. Listed as a Minor partner of OVB but also competes for the same Spanish retail insurance and savings clients.

Direct peers

• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory distribution network, with an allfinanz approach offering insurance, savings, investment and financing products through self-employed consultants. Closely comparable to OVB in model, target customer (mass affluent retail) and multi-carrier structure.
• Swiss Life Select (formerly AWD): Financial advisory arm of Swiss Life operating across Europe with tied/independent advisors distributing insurance, pension and wealth products. Same multi-carrier, consultant-led proposition targeting retail and SME clients.
• OVB Holding AG (OVB Group): Parent group operating the same tied-agency, allfinanz consultant model across 16 European countries. Most directly comparable on business model, consultant-led distribution and multi-carrier product proposition; differs only in geographic scope.
• MLP SE: German financial advisory group serving private clients and SMEs through a consultant network, distributing insurance, banking and wealth products. Same 'allfinanz' multi-product consultant model as OVB, making it the closest European peer outside the OVB perimeter.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/ovballfinanzsp

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 OVB Allfinanz España S.A.