[pma:] Finanz- und Versicherungsmakler

What [pma:] Finanz- und Versicherungsmakler does

[pma:] Finanz- und Versicherungsmakler GmbH, headquartered in Münster, Germany and founded in 1983, operates one of the country's longest-established broker pools (Maklerpools) for independent insurance brokers and financial advisors. The company connects ungebundene Versicherungsmakler, Mehrfachagenten, Finanzanlagenvermittler, and institutional buyers such as banks and Sparkassen with a curated panel of roughly fifty product partners spanning property, life, health, and capital-investment lines. It supports partner acquisition, regulatory compliance (IDD, DSGVO, MiFID/PRIIPs/WpIG), and Bestandsnachfolge (portfolio succession) planning, and is recognized as a co-editor of the DIN 77230 and DIN 77235 financial-analysis standards.

The technology backbone is the proprietary E.1 platform — the rebranded successor to ELVIS.one — which combines a digital application pipeline, customer and contract administration, a Vertriebsplaner sales cockpit, an in-house GPT assistant, a proactive recommendation engine, e-signature, and standardized BiPRO and GDV interfaces for connecting to insurers, banks, and Sparkassen. Additional modules include the DenPhaMed vertical portal for healthcare professionals, the [pma:] Hitliste curated product rankings, the [pma:] Hypo mortgage-placement service via Starpool, and newly launched digital sales pipelines for the Fr\u00fchstart-Rente children's pension subsidy and a pure investment-based company pension with Flossbach von Storch.

Revenue is generated primarily through commission (Courtage) on contracts placed through the pool, supplemented by recurring platform and service fees for the E.1 ecosystem, XEMPUS/E-Vorsorge integrations, and Bancassurance managed-services contracts with financial institutions. The company reported consolidated revenue of EUR 43.0 million in FY2025 (+10.2% YoY), was named the first anchor company of the Ascendia Gruppe in December 2024, and acquired Schleswiger Versicherungskontor GmbH in July 2025 to extend its intermediary base beyond 300 active agents.

Name

[pma:] Finanz- und Versicherungsmakler

Legal name

[pma:] Finanz- und Versicherungsmakler GmbH

Website

https://pma.de

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

[pma:] is a German broker pool founded in 1983 that provides independent insurance brokers and financial advisors with the proprietary E.1 CRM platform, product access across ~50 insurers and capital-investment partners, regulatory compliance tools, and Bancassurance services for banks and Sparkassen.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Full-Service Retail Brokerage & Wealth Platforms (FSAAAAAA)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance broker pool
• Financial advisory services
• Bancassurance platform
• Insurance product distribution
• Advisor CRM software

Headquarters

HQ city

Münster

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission (Courtage): As a broker pool, [pma:] earns commissions (Courtagen) from insurance and financial product providers for each contract placed through the platform. Commission revenue is shared with broker partners through transparent split arrangements. This is the primary revenue driver.
2. Platform and Service Fees: Revenue from providing technology platforms (E.1 CRM, digital tools), compliance services, and administrative support to broker partners. Includes fees for digital comparison tools, consulting and documentation tools, and IT ecosystem access.
3. Bancassurance Services: Revenue from partnerships with banks and savings institutions through the Bancassurance model, providing insurance product integration, regulatory compliance, and digital platforms to financial institutions.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels10 records

Core offering

[pma:] operates as a German broker pool for independent insurance brokers and financial advisors. The company provides market access across all major insurance lines (Sach, Kranken, Leben, Kapitalanlagen), a proprietary AI-enabled CRM platform (E.1), compliance infrastructure (IDD, MiFID, DSGVO, WpIG), and transparent commission management. Partner brokers, multi-agents, banks, savings institutions, and investment advisors use the platform to efficiently serve their end clients. Bancassurance services extend the offering to banks and Sparkassen that wish to distribute insurance products without holding individual insurer contracts or separate regulatory licenses.

Product overview

[pma:] Finanz- und Versicherungsmakler is a broker pool for insurance and financial advisors operating as a technology-enabled platform with a multi-module product architecture. The core of the platform is the proprietary E.1 CRM system (successor to ELVIS.one), which provides a digital application pipeline, customer and contract management, integrated AI/GPT functions, and the Vertriebsplaner sales management module, all connected via standardized BiPRO and GDV interfaces to insurers, banks, and Sparkassen. On top of E.1, [pma:] layers digital tools for bAV/bKV advisory (Xempus, E-Vorsorge), a mortgage placement service via Starpool ([pma:] Hypo), and a curated product recommendation system ([pma:] Hitliste). The product portfolio spans all insurance lines (property, life, health, capital investments) plus specialized offerings for medical professionals (DenPhaMed) and corporate clients. New product launches in 2026 include the Frühstart-Rente and a bAV-Investmentprodukt with Flossbach von Storch.

Differentiator

Problem solved

Functional benefit

Brands

• E.1: The company's proprietary CRM and AI platform for financial and insurance advisors, combining digital application processes, customer and contract management, integrated AI/GPT functions, and visual sales management.
• DenPhaMed
• ELVIS.one
• [pma:] Hypo

Products and services

• E.1 CRM Platform [pma:]'s proprietary CRM and AI platform for insurance and financial advisors, serving as the rebranded successor to ELVIS.one. It combines a digital application pipeline, customer and contract management, integrated AI/GPT functions, a visual sales management dashboard (Vertriebsplaner), e-signature capabilities, and standardized BiPRO/GDV interfaces connecting to insurers, banks, and Sparkassen. Available to broker partners as the core operating platform.
• Frühstart-Rente (digital sales pipeline) Bridge pension/early retirement savings product for children aged 6 and above with a €10 monthly state subsidy paid into a private retirement savings account. [pma:] provides the first broker-pool digital sales pipeline for this product in Germany, distributed via B2B partner Xaver.
• bAV-Investmentprodukt (Flossbach von Storch) Pure investment-based company pension (bAV) product without an insurance wrapper, offered via partner Flossbach von Storch. Investment across seven asset classes (global stocks, bonds, gold), all-in fee of 1.5% p.a., post-retirement taxation. First broker-pool offering of this structure in Germany, targeting business owners who want capital-market-oriented pensions for employees.
• BU-Rahmenvertrag (HDI Dual Model) [pma:]'s framework contract for occupational disability insurance (Berufsunfähigkeitsversicherung) with HDI, available in Top BU and Basis BU variants. Covers private (pAV) and company (bAV) disability insurance for brokers, employees, and family members, with simplified health declarations and provisional coverage.
• DenPhaMed (Healthcare Professional Portal) Specialized information portal for medical professionals (physicians, dentists, pharmacists, and other healthcare practitioners) developed by [pma:]. Covers business topics such as practice founding, equipment, insurance, marketing, and sale of medical practices as part of [pma:]'s target-group expertise strategy.
• [pma:] Hypo (Starpool Baufinanzierung Service) Baufinanzierung (mortgage) advisory and placement service operated by [pma:] as an exclusive Starpool partner. Provides access to over 550 connected banks, building societies, and insurers, with prioritized 24-hour processing and a dedicated sales manager for [pma:] partners.
• Bancassurance Service for Banks and Savings Institutions Institutional service model enabling banks, Sparkassen, and financial institutions to distribute insurance products without holding individual contracts with each insurer or acquiring separate regulatory licenses. Includes scalable platform access, regulatory and governance frameworks (IDD, MiFID), product world and risk placement, compensation and controlling, FI integration, and SLA-based operations.

Quantifiable outcome

• 10.2% revenue growth in 2025 to 43.0M EUR; 11.4% growth in 2024 to 39.0M EUR — exceeding market average
• +3 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered minor, core and flagship.

• Reuss Private Bank für Wertpapierhandel AGminorStrategic or Co-development Partner[pma:] cooperates with Reuss Private Bank for securities trading (Finanzportfolioverwaltung). The bank handles Wertpapierhandel (securities trading) for [pma:] clients, and its EU Disclosure Regulation disclosures are referenced on [pma:]'s sustainability page.
• Ascendia GruppecoreStrategic or Co-development Partner[pma:] is the first anchor company (Ankerunternehmen) of the newly founded Ascendia Gruppe — a network for insurance brokers, distributors, and assureurs with focus on private and small business customers. The group provides financial strength for large projects while [pma:] maintains entrepreneurial independence.
• StarpoolflagshipGTM or Marketing PartnerStarpool is a leading Baufinanzierung (mortgage finance) platform — a joint venture of DSL-Bank (Deutsche Bank Group) and Hypoport SE. [pma:] is one of only 25 exclusive partners nationwide, selected for quality of advice. Benefits include: direct access to decision-makers, priority processing within 24 hours, access to 550+ banks and financial partners.
• Flossbach von StorchminorStrategic or Co-development Partner[pma:] partnered with Flossbach von Storch wealth managers to offer the first pure investment bAV (company pension) product without an insurance wrapper in the broker pool market — targeting entrepreneurs who want to provide employees access to capital market investments across seven asset classes.
• Schleswiger Versicherungskontor GmbH (SVK)coreStrategic or Co-development Partner[pma:] acquired the Schleswiger Versicherungskontor GmbH (SVK) from Schleswiger VVaG on July 29, 2025. SVK was founded in 1991 and services more than 300 active intermediaries nationwide. The acquisition continues [pma:]'s expansion strategy.
• WWK (Insurance Company)minorChannel Partner/ Reseller/ Distributor[pma:] features WWK as a product partner for bAV (company pension) products, highlighted at the [pma:] Vertriebstage 2026 sales training events.
• Hannoversche LebensversicherungminorChannel Partner/ Reseller/ Distributor[pma:] features Hannoversche as a product partner for BU (occupational disability) insurance, with specialist Philip Wenzel (#BUpermann) presenting at [pma:] Vertriebstage 2026.
• HDI (Insurance)minorChannel Partner/ Reseller/ Distributor[pma:] features HDI's Dual Model BU insurance as the special broker pool BU framework agreement — with facilitated access and the broadest insurable group of people.

Scale indicators9 records

Recent moves7 records

Expansion highlights8 records

Broad incumbents

• MLP SE: Established German financial services and wealth advisory group serving private and corporate clients across insurance, banking, and investments. Broader incumbent rather than pure broker pool, but overlaps in distributing insurance and investment products through an advisor channel.
• Deutsche Vermögensberatung AG (DVAG): Large German financial advisory and insurance distribution network with a broad advisor base across insurance, investments, and banking products. Comparable in insurance and capital product distribution but operates its own tied-agent model rather than a pure broker pool.
• Hypoport SE: Parent of Starpool (a major mortgage finance platform) and operator of insurance and real estate finance platforms. Comparable as a broader incumbent in German insurance/finance distribution infrastructure, though not a direct broker pool competitor.

Direct peers

• Fonds Finanz Maklerservice GmbH: Major German broker pool providing product access, digital tools, and support to independent insurance and financial advisors. Closely comparable to [pma:] in target segment, multi-line distribution, and platform-centric value proposition.
• maxpool Servicegesellschaft für Finanzdienstleister mbH: German broker pool focused on independent insurance brokers and financial advisors, offering product comparison, commission management, and digital tools. Closely comparable in target segment and core platform offering.
• Jung, DMS & Cie. AG (JDC Group): One of the largest German broker pools and a direct competitor to [pma:], offering platform, product, and advisory infrastructure to insurance brokers and financial advisors. Highly comparable in business model, target customer (independent brokers), and German-only footprint.
• BCA AG: German broker pool serving independent insurance brokers with product access, comparison tools, and back-office services. Direct competitor in the broker pool category with overlapping offerings in property, life, health, and capital investments.
• Netfonds AG: German financial services platform and broker pool providing product distribution, IT infrastructure, and advisory support to brokers and financial advisors. Comparable in serving independent intermediaries with multi-line product access and platform tools.

Others

• Starpool Finanzdienstleistungen GmbH: Leading German mortgage finance platform (joint venture of DSL-Bank/Deutsche Bank Group and Hypoport SE) and one of [pma:]'s flagship distribution partnerships. Ecosystem partner rather than competitor, enabling [pma:] partners to access 550+ banks and building societies.
• Flossbach von Storch AG: German wealth manager with whom [pma:] partnered to launch the first pure-investment bAV product in the broker pool market. Ecosystem partner providing asset management capabilities that [pma:] distributes through its broker channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/pmamaklerpool
• Facebookfacebook.com/pmamuenster
• LinkedInlinkedin.com/company/pma-finanz-ud-versicherungsmkler-gmbh

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 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 [pma:] Finanz- und Versicherungsmakler