Cura

What Cura does

Cura Versicherungsvermittlung GmbH is a German insurance intermediary operating as a multi-agent brokerage (Mehrfachagentur) registered under § 34d Abs. 1 GewO with registration number D-QZ7N-0TNQU-80 and supervised by IHK Düsseldorf. Founded in 1956 and headquartered at Heinrichstraße 155, Düsseldorf, Cura is a 100% subsidiary of ARAG SE — described as the world's largest legal protection insurer — and operates as a service company within the ARAG Group. The company accesses a portfolio of more than 80 partner insurance companies and distributes their products across five channels: an exclusive nationwide agency network of approximately 50 agencies, valve partner solutions (Ventillösungen) for cooperation companies, a central inbound customer consulting division (Zentrale Kundenberatung), corporate workforce solutions (Firmenbelegschaft) with on-site advisory at employer locations, and a web-based partner distribution portal (Vertriebsportal) backed by an internal contract management system (Cura Vertriebssystem/CVS).

Cura's customer base spans private individuals, small and medium-sized businesses, valve partner organizations, and corporate employers buying employee insurance solutions. Its product surface is broad and cross-carrier, covering retirement planning, liability, cyber insurance, dental supplements, company pension schemes, craftsmen coverage, D&O, transport, and freight forwarding insurance, plus regulated investment advisory and brokerage delivered as a contractually bound agent under § 3 Abs. 2 WpIG on behalf of BfV Bank für Vermögen AG. The technology stack is deliberately light: the public-facing Vertriebsportal allows registered partners to create insurance requests, monitor status, and receive quotes, while CVS handles contract copies, dunning information, and document access for valve partners. No AI/ML capabilities, mobile applications, or public APIs are disclosed.

Revenue is generated exclusively through commissions (Provisionen/Courtagen) paid by the 80+ insurance partner companies and embedded in the insurance premium; Cura does not charge direct advisory fees to customers, and billing settles on a monthly cadence with monthly commission settlement to partners. Marketing emphasis is on personal, needs-based consulting supported by the agent finder tool, the corporate website, and a 70-year heritage video on YouTube. The company is privately held, has no subsidiaries, has not undergone any disclosed acquisitions or ownership changes since founding, and reports no external investors, private equity, or venture capital participation.

Name

Cura

Legal name

Cura Versicherungsvermittlung GmbH

Website

https://cura.de

Company type

Private

Founded year

1956

Operating status

Operating

Headcount range

11–50 employees

Short description

Cura Versicherungsvermittlung GmbH is a Düsseldorf-based German multi-agent insurance intermediary and 100% ARAG SE subsidiary, distributing products from 80+ insurers across five channels (50 exclusive agencies, valve partners, central consulting, corporate workforce, and a partner portal) to private customers, SMBs, and corporate employers, earning revenue exclusively through insurance carrier commissions.

Ownership category

akta.pro rank

Headquarters

HQ city

Düsseldorf

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission / Courtage: Cura earns commissions (Provisionen/Courtagen) paid by insurance companies and included in insurance premiums. This is the primary revenue stream for both insurance mediation and ongoing customer care services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Cura Versicherungsvermittlung GmbH is a German multi-agency insurance intermediary (Mehrfachagentur) that brokers insurance products from over 80 partner insurance companies to private customers, business customers, and corporate workforces. It operates as a 100% subsidiary of ARAG SE and delivers its services through an exclusive nationwide network of approximately 50 agencies, a partner distribution channel (Ventillösungen), a centralized customer consulting division, and a web-based partner portal.

Product overview

Cura Versicherungsvermittlung GmbH operates as a multi-agency insurance mediation platform offering a unified suite of products and services. The core offering combines the main insurance mediation platform with specialized modules including Exclusive Distribution (Exklusiv-Vertrieb) for sales partners, Valve Solutions (Ventillösungen) for partner companies, Central Customer Consulting (Zentrale Kundenberatung) for direct customer service, and Corporate Workforce Insurance (Firmenbelegschaft) for employee coverage. These modules are supported by the Cura Sales Portal (Vertriebsportal) web platform and the internal Cura Sales System (CVS) for document and contract management. The company works with over 80 partner insurance companies to provide coverage from retirement planning (Altersvorsorge) through dental insurance (Zahnzusatzversicherung).

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Mediation for Private and Business Customers Tailored insurance solutions and comprehensive gap-coverage analysis for private individuals and business clients, drawing on product portfolios from 80+ partner insurers.
• Exklusiv-Vertrieb (Exclusive Distribution) Sales-partner program offering attractive framework conditions, professional analysis and tariff software, and administrative support for insurance agents operating under Cura's multi-agency model.
• Ventillösungen (Valve Solutions) Insurance solutions channel for partner companies (Ventilpartner) that distribute Cura's insurance products to their own customer bases, supported by a web-based sales portal, monthly commission settlement, and policy protection.
• Zentrale Kundenberatung (Central Customer Consulting) Centralized inbound consulting service offering holistic advice for private and business customers, available in-person, by phone, or via video chat, covering retirement planning, liability, and cyber insurance.
• Firmenbelegschaft (Corporate Workforce Insurance) Employee insurance solutions delivered through on-site Cura service offices at employer locations, providing needs analysis, policy management, claims service, and dedicated Cura advisors for all insurance matters.

Quantifiable outcome

• Approximately 50 agencies nationwide providing local presence and personal advisory services.
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Partnergesellschaften (80+ Insurance Companies)coreStrategic or Co-development PartnerCura works with over 80 leading insurance companies as part of its multi-agent brokerage model. These partnerships enable Cura to offer comprehensive insurance products and specialized solutions including company pension schemes, craftsmen coverage, D&O, transport coverage, and freight forwarding insurance.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• DEURAG Deutsche Rechtsschutz-Versicherung AG: German legal protection insurer and ARAG Group subsidiary. Tangentially comparable to Cura as part of the broader ARAG ecosystem with overlapping customer interests in legal protection coverage.

Direct peers

• Ecclesia Group: Largest German insurance broker focused on hospital, social, and corporate clients. Comparable to Cura in offering multi-insurer brokerage across multiple customer segments with personal advisory.
• MLP SE: German financial advisory and insurance brokerage with a large advisor network and multi-product offering. Comparable to Cura in serving private and corporate clients with multi-insurer brokerage and a heavy emphasis on personal advisory.
• Funk Gruppe: One of Germany's largest independent insurance brokers (Versicherungsmakler), offering corporate and private insurance with multi-insurer advisory. Comparable to Cura in multi-channel distribution and multi-insurer positioning.
• MRH Trowe: Independent German insurance broker serving corporate and mid-market clients with multi-insurer solutions. Comparable to Cura's corporate workforce and business customer segments with multi-channel advisory.
• JDC Group AG: German insurance and financial services platform operating a multi-insurer brokerage model for retail and corporate clients. Compares directly to Cura as a multi-agent Versicherungsvermittler with a tech-enabled distribution portal.

Broad incumbents

• Aon Germany: Global insurance and risk advisory firm with a substantial German operation serving corporate clients. Compares to Cura as multi-insurer brokerage but at vastly larger scale and broader portfolio.
• Marsh Germany: Global insurance broker and risk advisor with a significant German presence. Comparable to Cura's corporate insurance advisory but operating at much larger scale and global scope.
• Allianz Beratungs- und Vertriebs-AG: German distribution arm of Allianz Group, offering tied-agent and multi-product insurance advisory. Comparable to Cura in the insurance distribution business but with single-carrier alignment.
• Willis Towers Watson Germany: Global advisory, broking, and solutions firm with German operations. Comparable to Cura's multi-insurer brokerage and risk advisory but with a corporate and enterprise focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/watch?v=yX_XqNlzQ2c
• LinkedInlinkedin.com/company/cura-versicherungsvermittlung-gmbh

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Cura