ONVERSO

What ONVERSO does

ONVERSO is a German independent insurance broker and financial advisor (Versicherungsmakler) operating as a sole proprietorship under owner Björn Maier from Waldkirchen, Bavaria. Founded in 2013 after Maier accumulated 8+ years of freelance financial services experience, the firm serves German individual consumers and families nationwide through online and phone consultation, with no physical retail footprint. Its core offering is a free, neutral comparison service across 180+ insurance and financial product providers, spanning occupational disability insurance (Berufsunfähigkeitsversicherung, 91+ tariffs compared), private health insurance (261+ tariffs), retirement planning (Riester, Rürup, private Rentenversicherung), investment products, mortgages, and supplementary health coverage. The technology stack centers on a professional rule-based Expertenvergleichssoftware for tariff analysis, complemented by online booking via Calendly and integrations with Wealthpilot and Finanzmanager for ongoing client portfolio and account management.

The business model is a classic commission-based broker model: ONVERSO receives no fees from consumers, instead earning affiliate/referral commissions from insurance and financial product providers upon contract conclusion, with the consumer's premium being identical whether purchased directly or through ONVERSO. Customer acquisition relies on content marketing through an extensive Ratgeber editorial library, organic search across long-tail insurance keywords, social media presence (Facebook, Instagram, YouTube, X), and word-of-mouth referrals, with multiple customer testimonials explicitly citing friend recommendations. The firm differentiates via a documented 6-step Transparenzgarantie advisory process that includes anonymous risk pre-inquiry (Risikovoranfrage) before formal application, structured tariff consultation, contract conclusion, and post-sale support including free legal assistance during Leistungsfall through a partner law firm. Operations are bootstrapped with no external investors, no funding rounds, no subsidiaries, and 1-10 total employees, concentrating execution and advisory credibility in the founder.

Name

ONVERSO

Legal name

ONVERSO, Inh. Björn Maier

Website

https://onverso.de

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

ONVERSO is a German sole-proprietorship independent insurance broker and financial advisor founded by Björn Maier in 2013, offering free comparison and advisory services across 180+ insurance and financial product providers to German individual consumers nationwide via online consultation.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Financial Advisory

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Business Interruption & Insurance Claim Valuation (FSAEAHAM)

Keywords

• Insurance comparison services
• Financial advisory services
• Occupational disability insurance
• Private health insurance
• Retirement planning advisory

Headquarters

HQ city

Waldkirchen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from insurance and financial product providers: ONVERSO generates revenue through commissions paid by insurance and financial product providers when customers purchase products through their comparisons. The service is 100% free for consumers — the price remains identical whether customers buy directly or through ONVERSO, as the commission is paid by the provider. This is a classic insurance broker/referral revenue model.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

ONVERSO is an independent insurance broker (Versicherungsmakler) and financial advisor that provides free, neutral comparisons of insurance and financial products across more than 180 providers. The service combines online comparison calculators with personalized online/phone consultation delivered by founder Björn Maier, covering insurance categories such as occupational disability, private health, liability, household, legal protection, automotive, and accident, alongside retirement planning (Riester, Rürup, private pension), ETF asset management, and mortgage financing. Revenue is earned via commissions from providers when customers purchase policies through ONVERSO's comparisons.

Product overview

ONVERSO is a German insurance and financial product comparison platform operated as an independent insurance broker (Versicherungsmakler) and financial advisor. The platform combines free comparison calculators accessible directly on the website with professional advisory services delivered through online video consultations using proprietary expert comparison software. The core offering consists of insurance comparisons (spanning over 180 companies for products including occupational disability insurance, private health insurance, liability, household, legal protection, accident, vehicle, and property coverage), retirement planning services (private pension insurance, Riester Rente, Rürup Rente, ETF-based asset management), and banking product comparisons (mortgages, current accounts, credit cards, securities accounts, fixed-term and call money deposits). The platform differentiates through its structured 6-step "Transparenzgarantie" advisory process that includes anonymous risk pre-inquiry services, professional tariff analysis, and ongoing client support for contract management and claims handling.

Differentiator

Problem solved

Functional benefit

Products and services

• Versicherungsvergleich (Insurance Comparison) Free comparison calculator for insurance products including liability, household contents, legal protection, accident, building, car, motorcycle, and pet owner insurance, allowing consumers to compare tariffs across over 180 insurance companies.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Expert comparison and advisory service for occupational disability insurance, with over 91 tariffs compared using professional expert comparison software, including anonymous risk pre-inquiry service.
• Private Krankenversicherung (Private Health Insurance) Comparison service for private health insurance with over 261 tariffs analyzed using professional comparison software, targeting high-income employees, civil servants, and self-employed individuals.
• Altersvorsorge (Retirement Planning) Comprehensive retirement planning advisory service covering private pension insurance, Riester Rente, Rürup Rente, and ETF-based asset management, using expert comparison software for tariff analysis.
• Private Rentenversicherung (Private Pension Insurance) Private pension insurance comparison and advisory service covering classic, fund-linked, and hybrid variants, enabling consumers to compare tariffs for lifetime annuity payments.
• Geldanlage (Investment Products) Comparison services for savings and investment products including fixed-term deposits, call money accounts, securities accounts, and ETF-based asset management, featuring DWS partnership for ETF wealth management.
• Baufinanzierung (Mortgage Financing) Mortgage and real estate financing comparison service to help consumers secure optimal interest rates for property purchases.
• Onlineberatung (Online Consultation) Digital consultation service delivered via video calls providing a structured 6-step advisory process including initial meeting, health history preparation, anonymous risk pre-inquiry, tariff consultation, final configuration, and contract conclusion with ongoing support.
• Krankenzusatzversicherung (Health Supplementary Insurance) Comparison service for health supplementary insurance including dental, nursing care, and travel health coverage to complement statutory health insurance.
• Haftpflichtversicherung (Liability Insurance) Comparison service for personal liability and pet owner liability insurance across over 180 insurance companies.
• Hausratversicherung (Household Contents Insurance) Comparison service for household contents insurance to cover personal belongings against risks such as fire, water damage, and theft.
• Kfz-Versicherung (Motor Vehicle Insurance) Comparison service for Kfz (motor vehicle) insurance offering potential savings of over 1,000 € per year through tariff switching across insurers.
• Rechtsschutzversicherung (Legal Protection Insurance) Comparison service for legal protection insurance covering private, professional, and traffic-related legal disputes.
• Risikolebensversicherung (Term Life Insurance) Comparison service for term life insurance to provide financial protection for dependents in case of death.
• ETF-Vermögensverwaltung (ETF Asset Management) ETF-based asset management service offered in partnership with DWS (Deutsche Global Solver Kapitalverwaltungsgesellschaft), providing professional management without issuance charges or depot fees, with only a transparent service fee.
• Leistungsfall-Betreuung (Benefit Claims Support) Free professional support for customers who purchased BU insurance through ONVERSO in obtaining disability benefits, including communication with insurers and legal assistance if needed, provided through a partnership with a recognized law firm.

Quantifiable outcome

• Save up to 3,500 € annually through tariff comparisons
• +3 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor and core.

• WealthpilotminorOthersONVERSO offers its customers access to Wealthpilot (onverso.wealthpilot.de) for portfolio/investment management integration. Wealthpilot is a digital wealth management platform for tracking and managing financial assets.
• FinanzmanagerminorOthersONVERSO provides customers access to Finanzmanager (meine-finanzen.digital/login), a digital financial management tool for tracking personal finances, budgets, and accounts.
• Law firm specializing in insurance claimscoreImplementation/ SI/ Consulting PartnerONVERSO partners with a recognized law firm (Rechtsanwaltskanzlei) for customers who need assistance in Leistungsfall (benefit claims/occupational disability claims). Customers who purchased BU insurance through ONVERSO receive free professional support in obtaining their disability benefits, including communication with insurers and legal assistance if needed.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Check24: Germany's largest comparison portal covering insurance, banking, energy, telecom, and travel. Overlaps directly with ONVERSO in insurance and financial product comparison but operates at vastly greater scale with heavy paid marketing.
• Verivox: Major German comparison platform with deep insurance (especially health and property) and energy offerings. Competes with ONVERSO on the insurance brokerage side but at materially larger scale and broader product range.
• Finanztip: Consumer-focused financial advisory and comparison publisher (part of the RTL group). Competes with ONVERSO in consumer education and recommendation across insurance and financial products, but does not act as a broker itself.

Others

• Franke und Bornberg: Independent German insurance analysis and rating firm. Adjacent rather than directly competing: provides the kind of expert BU/PKV tariff analysis ONVERSO leverages, and is explicitly referenced in ONVERSO's BU benefit application success metrics.
• HUK-COBURG: Large German mutual insurer with broad personal-lines coverage and a sizeable direct/broker distribution arm. Competes with ONVERSO for the same end customers on Kfz, household, liability, and BU but from the carrier side rather than brokerage.
• Morgen & Morgen: German insurance data, analytics, and rating provider. Adjacent ecosystem participant: supplies the kind of market data and product intelligence infrastructure that brokers like ONVERSO use to compare tariffs.

Emerging players

• Financefox: Smaller-scale digital insurance broker serving German-speaking consumers. Overlaps with ONVERSO as a comparison-and-brokerage intermediary but with a more technology-led, less consultation-heavy model.

Direct peers

• Clark: German digital insurance broker that consolidates and optimizes customer insurance portfolios via an app-based platform. Most direct comparable peer to ONVERSO in serving consumers across multiple insurance lines via a tech-enabled brokerage model.
• Getsafe: German insurtech offering digital insurance products and broker services to consumers. Comparable to ONVERSO as a tech-enabled insurance intermediary targeting digitally native German consumers.

Regional players

• Smava: German credit comparison and broker platform. Comparable to ONVERSO's affiliate-referral broker model though more specialized in consumer lending than general insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/onverso
• YouTubeyoutube.com/channel/UCfOegpg1lRHiQ9T_nUJZ9tw
• Facebookfacebook.com/Onverso
• Instagraminstagram.com/onverso.de

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

Investments

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

Frequently asked questions about ONVERSO