Propensione.it

What Propensione.it does

Propensione S.p.A., operating as Propensione.it, is an independent Italian online insurance intermediary (broker) specializing in supplementary pension (previdenza integrativa) products. Founded in 2016 and headquartered in Trieste, the company targets Italian private-sector employees, self-employed workers, and families seeking to supplement their public pension with private pension fund contributions, optimize TFR (severance pay) allocation, and access tax deductions of up to €5,300 per year. The platform operates exclusively for residents of Italy and is registered with IVASS in Section B of the RUI (B000567433) under COVIP supervision.

The core product is a digital pension advisory platform featuring two main self-service tools: the Simulatore di Calcolo Pensione Integrativa (supplementary pension calculation simulator) and the Simulatore di Trasferimento Fondo Pensione (pension fund transfer comparison tool). These are powered by a proprietary matching algorithm that ranks over 1,000 Italian pension and insurance products from a network of 20+ distribution partners including Generali, Allianz, Intesa Sanpaolo Vita, UnipolSai, Amundi, AXA MPS, Aviva, Mediolanum, and Azimut. The service is delivered through a hybrid model combining self-service digital tools with human consultant support via toll-free phone, chat, and email, supplemented by the Guida Pensione educational guide and an online Magazine.

The business model is a commission-based intermediary (affiliate referral) structure. The service is provided free of charge to end users; Propensione is remunerated exclusively through commissions paid by partner insurance companies and SGRs whose pension products are subscribed through the platform. Distribution is multi-channel, combining direct-to-consumer SEO and content marketing with a GTM partnership with Facile.it and active social media presence across Facebook, Twitter, YouTube, Instagram, and LinkedIn. The company received an investment from Vittoria Assicurazioni in January 2022; no further funding rounds or financial disclosures are publicly available.

Name

Propensione.it

Legal name

Propensione S.p.A.

Website

https://propensione.it

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Propensione.it is an independent Italian online insurance intermediary (IVASS-registered) that helps Italian consumers compare, select, and subscribe to supplementary pension funds from 20+ partner providers via a proprietary matching algorithm and human consultant support, earning commissions from partners on a free consumer-facing service.

Ownership category

akta.pro rank

Product category

Insurance Brokerage (Supplementary Pensions)

NAICS

Portfolio Management and Investment Advice (523940), Pension Funds (525110)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

Keywords

• Supplementary pension brokerage
• Pension fund comparison
• Italian insurance brokerage
• Retirement planning advice
• Independent pension consultancy

Headquarters

HQ city

Trieste

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commissions from partner insurance companies and SGRs: Propensione.it acts as a distribution intermediary (insurance broker) for pension funds and insurance products. The service is free for end users; Propensione earns commissions directly from the insurance companies and SGRs (asset management companies) whose products are subscribed through the platform. This is the primary revenue stream.
2. Remuneration from partner companies for distribution services: The company's stated business model is that its consulting service is subject to remuneration by the individual insurance company whose pension fund is subscribed. No additional costs are charged to the user.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Propensione.it is an independent online insurance brokerage that offers a free comparison and ranking service for Italian supplementary pension funds (fondi pensione), combining a proprietary scoring algorithm with personalized advice from a dedicated consultant. Revenue is generated through commissions paid by partner insurance companies and asset management firms (SGRs) when users select their products, with no direct charge to the end consumer.

Product overview

Propensione.it is an online pension advisory platform that acts as an independent intermediary for supplementary pension products. The core offering consists of two main digital tools: the Simulatore di Calcolo Pensione Integrativa for simulating retirement amounts and the Simulatore di Trasferimento Fondo Pensione for comparing and transferring pension funds. These tools are powered by a proprietary algorithm that evaluates user profiles against over 1000 pension products from partnered providers. The service is complemented by personalized advisory support through phone, chat, and video consultation, along with educational content via the Magazine and Guida Pensione platforms. Users access the full service through a dedicated Area Riservata (private portal) where they can manage subscriptions, view documentation, and track their pension planning progress. The company is registered with IVASS as an insurance intermediary (Section B, No. B000567433) and is supervised by COVIP for pension fund distribution.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Pension Fund Comparison Service Online comparison and ranking of Italian supplementary pension funds (fondi pensione, PIP, open funds) for individual consumers, using a proprietary internal scoring algorithm that evaluates partner offerings from multiple insurance companies and asset management firms (SGRs). The service is free for end-users.
• Personalized Supplementary Pension Consultancy One-on-one advisory service delivered by a dedicated consultant who guides individual Italian consumers in selecting the most suitable supplementary pension fund, complementing the online comparison tool and leading the user through enrollment with a partner insurer or SGR.

Quantifiable outcome

• A 35-year-old earning €35,000/year who contributes €150/month to a pension fund saves €684/year in IRPEF taxes (38% of contributions, at the third IRPEF bracket)
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

20 partnerships are on record, tiered minor and core.

• Facile.itminorGTM or Marketing PartnerPropensione and Facile.it signed a collaboration agreement to offer users the most suitable supplementary pension and insurance protection solutions. Facile.it is a leading Italian online insurance aggregator; the partnership allows Propensione to reach Facile's existing user base seeking insurance and pension products, while Facile expands its offering into the pension planning vertical.
• Arca Fondi SGR S.p.A. (Arca Previdenza)coreChannel Partner/ Reseller/ DistributorArca Fondi SGR S.p.A. is one of the partner pension fund management companies whose products can be subscribed through Propensione.it. Arca Previdenza is a leading Italian open pension fund (Fondo Pensione Aperto) with multiple investment compartments. Users can subscribe online to Arca Previdenza through Propensione's platform.
• Amundi SGR S.p.A. (Seconda Pensione)coreChannel Partner/ Reseller/ DistributorAmundi SGR S.p.A., one of Europe's largest asset managers, is a partner whose Seconda Pensione (PIP — Piano Pensionistico Individuale) products are distributed through Propensione.it. Subscription is completed via PDF modules sent by email, with reconsent possible within 30 days.
• Helvetia Vita S.p.A. (Helvetia Aequa)coreChannel Partner/ Reseller/ DistributorHelvetia Vita S.p.A. is a partner insurance company whose Helvetia Aequa PIP (Piano Individuale Pensionistico) is available for subscription through Propensione.it. Subscription is completed via PDF forms sent by post, with a 30-day reconsent period.
• Vittoria Assicurazioni S.p.A. (Vittoria Formula Lavoro)coreChannel Partner/ Reseller/ DistributorVittoria Assicurazioni S.p.A. is a partner whose Vittoria Formula Lavoro open pension fund (Fondo Pensione Aperto) is distributed through Propensione.it. Subscription follows a 30-day reconsent period.
• MoneyfarmcoreChannel Partner/ Reseller/ DistributorMoneyfarm is a partner robo-advisor and pension fund provider whose Piano Pensione Moneyfarm (MFM) multi-line pension products are available for comparison and subscription on Propensione.it, offering lines ranging from Prudent to Equity investment profiles.
• Intesa Sanpaolo Vita S.p.A.coreChannel Partner/ Reseller/ DistributorIntesa Sanpaolo Vita S.p.A. is a partner insurance company whose pension fund products (Previdsystem, Giustiniano, Il Mio Domani, Il Mio Futuro, etc.) are distributed through Propensione.it.
• UnipolSai Assicurazioni S.p.A.coreChannel Partner/ Reseller/ DistributorUnipolSai Assicurazioni S.p.A. is a major Italian insurance group and partner whose pension fund products (UnipolSai Previdenza, UnipolSai Piano Pensionistico Individuale, etc.) are available for subscription through Propensione.it.
• Generali Italia S.p.A.coreChannel Partner/ Reseller/ DistributorGenerali Italia S.p.A. is a partner insurance company whose pension fund products (GESAV Global, GeneraFuturo, Vivipensione, etc.) are distributed through Propensione.it.
• Allianz S.p.A.coreChannel Partner/ Reseller/ DistributorAllianz S.p.A. is a partner insurance company whose pension fund products (Allianz Previdenza Linea Flessibile, Linea Azionaria, Linea Bilanciata, etc.) are distributed through Propensione.it.
• Poste Vita S.p.A. (Posta Previdenza)coreChannel Partner/ Reseller/ DistributorPoste Vita S.p.A. is a partner insurance company whose Posta Previdenza pension fund products (Posta Previdenza Valore, etc.) are available through Propensione.it, leveraging the broad reach of the Poste Italiane network.
• Cattolica AssicurazionicoreChannel Partner/ Reseller/ DistributorCattolica Assicurazioni is a partner mutual insurance company whose pension fund products (Cattolica Previdenza Garantito, Cattolica Gestione Previdenza, Guardo Avanti, Puntalto, etc.) are distributed through Propensione.it.
• Mediolanum Gestione Fondi S.p.A. / Mediolanum Vita S.p.A.coreChannel Partner/ Reseller/ DistributorMediolanum Group companies (Mediolanum Gestione Fondi and Mediolanum Vita) are partners whose pension fund products (Previgest Fund, TaxBenefit New Challenge) are distributed through Propensione.it.
• Azimut Capital Management SGR S.p.A.coreChannel Partner/ Reseller/ DistributorAzimut Capital Management SGR S.p.A. is a partner asset management company whose Azimut Previdenza pension fund products (Azimut Previdenza Garantito, Crescita, Equilibrato, Azimut Sustainable Future) are available through Propensione.it.
• AXA MPS Assicurazioni Vita S.p.A.coreChannel Partner/ Reseller/ DistributorAXA MPS Assicurazioni Vita S.p.A. is a partner insurance company whose pension fund products (AXA Previdenza Assoluto, AXA Previdenza Europa, AXA Previdenza Internazionale, AXA MPS Previdenza Attiva, AXA MPS Previdenza per Te, etc.) are distributed through Propensione.it.
• CNP UniCredit Vita S.p.A.coreChannel Partner/ Reseller/ DistributorCNP UniCredit Vita S.p.A. is a partner insurance company whose pension fund products (Seniorvita Valore Futuro, UniCredit Pensione PIP, CNP Previdenza Equity) are distributed through Propensione.it.
• Aviva S.p.A. / Aviva Vita S.p.A.coreChannel Partner/ Reseller/ DistributorAviva S.p.A. and Aviva Vita S.p.A. are partner insurance companies whose pension fund products (Aviva Garanzia di Rendimento, Aviva Top Pension, Aviva Valore Integrativo, etc.) are distributed through Propensione.it.
• Fideuram Vita S.p.A.coreChannel Partner/ Reseller/ DistributorFideuram Vita S.p.A. (part of the Intesa Sanpaolo group) is a partner insurance company whose Fideuram pension fund products (Fideuram Garanzia, Crescita, Equilibrio, Sicurezza, Valore, Millennials) are distributed through Propensione.it.
• Zurich Investments Life S.p.A.coreChannel Partner/ Reseller/ DistributorZurich Investments Life S.p.A. is a partner insurance company whose pension fund products (Zed Omnifund, Zurich Contribution, Programma Pensione ZLap) are distributed through Propensione.it.
• Eurovita Assicurazioni S.p.A.coreChannel Partner/ Reseller/ DistributorEurovita Assicurazioni S.p.A. is a partner insurance company whose pension fund products (Eurovita Pensione Domani, Piano Pensionistico Bayerische, Eurovita Futuro FuturivNG) are distributed through Propensione.it.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Prima Assicurazioni: Italy-focused digital-first insurance distributor offering motor and home policies online; represents the digital-native incumbent model Propensione ultimately competes with for direct insurance/pension distribution attention.
• Moneyfarm: Italian/UK robo-advisor offering Pensione Moneyfarm (MFM) PIP products distributed through Propensione, but also competes for direct retail pension advisory customers in Italy through its own proprietary platform.
• ConTe.it (Admiral Group): Italian insurance brand of Admiral Group that distributes policies directly online and through aggregator partnerships, mirroring the digital broker/distributor model Propensione uses for pension products.
• SOSTariffe.it: Italian online comparison platform covering insurance, banking, and financial products, with content and tools aimed at helping Italian consumers choose financial products including life and pension-adjacent coverage.
• PensionBee: UK-based pension consolidation and comparison platform that lets consumers combine old workplace pensions into a single managed plan online—analogous to Propensione's pension transfer simulator and online subscription flow in the Italian market.
• Segugio.it: Italian insurance and financial product comparison portal that allows users to compare tariffs and policies from multiple insurers, including life insurance and savings/pension-adjacent products for the Italian retail market.

Broad incumbents

• Facile.it: Italy's largest insurance and utilities aggregator with millions of monthly users, partnered with Propensione to add a supplementary pension vertical to its much broader insurance, energy, and telecom comparison platform.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks4 records

Key highlights7 records

Customer concentration

• Xx.com/propensione
• YouTubeyoutube.com/channel/UCjFlbdoOfI2xFhutdl6fzeA
• Facebookfacebook.com/propensione
• LinkedInlinkedin.com/company/propensione-it

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 Propensione.it