What Finanza e Previdenza does

Finanza e Previdenza S.r.l. is an Italian multi-mandate insurance agency (agenzia assicurativa plurimandataria) headquartered in Imola, founded in January 2010 by a group of former financial promoters (Promotori Finanziari) with prior experience at SIMs and banks. The company distributes a broad portfolio of insurance, savings, and pension products to individuals, families, and businesses throughout Italy, and since November 2013 has held the position of the country's largest independent insurance agency. Its product shelf spans life insurance, supplementary health, home, travel, pet, cyber risk, accident, third-party liability, long-term care, insurance-linked capital accumulation plans (PAC), supplementary pension funds, and corporate welfare services, including nine co-branded proprietary products developed with carriers Uniqa Assicurazione, Italiana Assicurazioni, and NOBIS VITA.

The firm's primary technology asset is a digital remote subscription capability built around Advanced Electronic Signature (Firma Elettronica Avanzata, FEA) with OTP-based multi-factor authentication and consent verification, enabling customers to subscribe to policies without visiting the physical office. Distribution is executed through a nationwide network of over 230 qualified collaborators, supported by the Imola headquarters, direct phone/email contact channels, and content marketing via a company blog and newsletter. The company is registered with IVASS under RUI number A000334428, holds ISO 37301:2021 certification from Bureau Veritas, and operates with €1,200,000 in subscribed and paid-up capital.

The business model is transaction-fee-based: revenue is generated through commissions on distributed insurance and savings/investment products under multi-mandate agreements with multiple carriers. The 2019 record premium collection was €73 million (raccolta premi), which is gross intermediated volume rather than reported revenue. As of January 2025, the company has published a corporate merger project (Progetto di Fusione), signaling an upcoming structural change whose counterparty and terms have not been publicly disclosed.

Name

Finanza e Previdenza

Legal name

Finanza e Previdenza srl

Website

https://finanzaeprevidenza.eu

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Finanza e Previdenza is an Italian multi-mandate insurance agency, founded in 2010 in Imola, that distributes insurance, savings, and pension products to individuals, families, and businesses nationwide through a network of 230+ collaborators and partnerships with Uniqa, Italiana Assicurazioni, and NOBIS VITA.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

akta.pro secondary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance brokerage
• Multi-mandate agency
• Savings and pensions
• Life insurance
• Wealth advisory

Headquarters

HQ city

Imola

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Distribution Commissions: Revenue generated through commissions from distributing insurance products from multiple insurance companies (Uniqa Assicurazione, Italiana Assicurazioni, Nobis Vita, and others) under plurimandate agreements.
2. Savings and Investment Products: Distribution of savings and investment products including co-branded products (PAC TREND, ALLOCATION, REDDITO, OPPORTUNITÀ, MUTUA, OPEN MULTIASSET, DUETTO, GOOD VIBRATION) created through partnerships with insurance companies.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Finanza e Previdenza is a multi-mandate insurance intermediary (agenzia assicurativa plurimandataria) distributing insurance, savings, and investment products across Italy through a network of over 230 qualified consultants. It offers co-branded policies developed with insurers such as Uniqa Assicurazione, Italiana Assicurazioni, and NOBIS VITA, covering life, health, home, travel, pet, cyber, accident, liability, pension, and corporate welfare risks. Digital channels, including an Advanced Electronic Signature (FEA) service, enable remote policy subscription for individuals, families, and businesses.

Product overview

Finanza e Previdenza is a multi-mandate insurance intermediary (agenzia assicurativa plurimandataria) operating throughout Italy since 2010. The company distributes a portfolio of insurance, savings, and pension products through partnerships with major insurance carriers including Uniqa Assicurazione, Italiana Assicurazioni, NOBIS VITA, and Banca REALE. Its core offering includes life insurance, health insurance, property insurance (home, travel, cyber risk, pet insurance), accident coverage, liability insurance, and supplementary pension products. The portfolio features nine co-branded products developed with partner insurers (PAC TREND, ALLOCATION, REDDITO, OPPORTUNITÀ, GOOD VIBRATION, MUTUA, OPEN MULTIASSET, DUETTO, and NOBIS VITA), alongside savings plans and corporate welfare services. The company also provides digital services including advanced electronic signature (FEA) for remote policy subscription, supporting its nationwide network of over 230 collaborators.

Differentiator

Problem solved

Functional benefit

Products and services

• Finanza e Previdenza PAC TREND Co-branded capital accumulation plan (PAC) developed in partnership with Uniqa Assicurazione S.p.A., launched October 2012. Targeted at savers seeking structured accumulation products.
• Finanza e Previdenza ALLOCATION Co-branded savings and investment product developed with Uniqa Assicurazione S.p.A., launched July 2013.
• Finanza e Previdenza REDDITO Co-branded income-focused savings product created with Uniqa Assicurazione S.p.A., launched October 2014.
• Finanza e Previdenza OPPORTUNITÀ Co-branded investment opportunity product developed with Uniqa Assicurazione S.p.A., launched December 2015.
• GOOD VIBRATION Co-branded insurance product developed with Italiana Assicurazioni S.p.A., launched May 2016.
• Finanza e Previdenza MUTUA Co-branded mutual health insurance product developed with Uniqa Assicurazione S.p.A. and SeB Salute e Benessere, launched November 2016.
• Finanza e Previdenza OPEN MULTIASSET Co-branded multi-asset investment product developed with Uniqa Assicurazione S.p.A., launched December 2016.
• Finanza e Previdenza DUETTO Co-branded savings product developed with Italiana Assicurazione S.p.A. and Banca REALE, launched February 2017.
• NOBIS VITA Savings & Investment Savings and investment life insurance product offered in collaboration with NOBIS VITA, launched 2019.
• Assicurazione Casa (Home Insurance) Home insurance policy protecting dwellings, families, and belongings from unforeseen events, natural disasters, theft, and third-party liability. Targeted at homeowners and families.
• Assicurazione Cyber Risk (Cyber Insurance) Cyber risk insurance covering data breaches, cyber liability, and IT security incidents for individuals and businesses.
• Assicurazione Animali da Compagnia (Pet Insurance) Insurance coverage for dogs and cats, including veterinary expenses, third-party liability, GPS tracking, and legal protection.
• Polizza Viaggi (Travel Insurance) Travel insurance providing 24/7 medical assistance, trip cancellation, interruption coverage, and multilingual support services.
• Assicurazione Sanitaria Integrativa Supplementary health insurance covering medical expenses, specialist visits, diagnostic tests, and hospitalization refunds.
• Polizza Infortuni (Accident Insurance) Accident insurance protecting individuals and families from work and leisure-related injuries, covering temporary/permanent disability and death.
• Assicurazione sulla Vita (Life Insurance) Life insurance providing financial protection for families, covering death, critical illness, disability, and mortgage protection.
• Polizza Long Term Care Long-term care insurance covering expenses from loss of self-sufficiency and inability to perform daily activities independently.
• Assicurazione Responsabilità Civile verso Terzi Third-party liability insurance covering damages to persons, property, and assets caused by the insured, family members, or pets.
• Piani di Accumulo / PAC Assicurativi Insurance-linked capital accumulation plans (PAC) with separate management funds offering protected savings with modest yields.
• Fondo di Previdenza Complementare Supplementary pension fund providing additional retirement income alongside public pension systems, with tax advantages.
• Welfare Aziendale (Corporate Welfare) Corporate welfare services providing employees with additional benefits, services, and flexible compensation packages.
• Firma Elettronica Avanzata (FEA) Advanced electronic signature service enabling remote insurance policy subscription with multi-factor authentication and OTP.

Quantifiable outcome

• 73 million euros in premium collection (2019 record)
• +1 more outcomes

Named customers3 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

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• NOBIS VITAcoreStrategic or Co-development Partner · 1 January 2019Partnership in the Savings and Investment segment (Ramo Risparmio e Investimento) established in 2019.
• Banca REALEminorStrategic or Co-development Partner · 1 February 2017Banking partner for the DUETTO co-branded product developed together with Italiana Assicurazione S.p.A.
• SeB Salute e BenessereminorStrategic or Co-development Partner · 1 November 2016Health and wellness partner contributing to the Finanza e Previdenza MUTUA product development.
• Italiana Assicurazioni S.p.A.coreStrategic or Co-development Partner · 1 March 2016Insurance company partnership resulting in co-branded products GOOD VIBRATION (2016) and DUETTO (2017, with Banca REALE). Became part of the Finanza e Previdenza family in March 2016.
• Uniqa Assicurazione S.p.A.coreStrategic or Co-development Partner · 1 October 2012Strategic partnership for co-branded insurance products including PAC TREND (2012), ALLOCATION (2013), REDDITO (2014), OPPORTUNITÀ (2015), MUTUA (2016), and OPEN MULTIASSET (2016). Multiple exclusive co-branding agreements over the years.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Brokeritaly Consulting: Italian multi-mandate insurance broker serving retail and corporate clients. Closely comparable to Finanza e Previdenza as an independent, multi-carrier intermediary distributing life, P&C, and welfare products in Italy, with a similar national footprint.
• Europ Assistance Italia: Italian subsidiary of the Europ Assistance group, distributing travel, health, and assistance insurance through partnerships and direct channels. Comparable to Finanza e Previdenza in the travel and supplementary health insurance categories served to Italian consumers.

Broad incumbents

• Banca Mediolanum: Italian bancassurer/bank distributing insurance, savings, and pension products through financial advisor networks. Comparable to Finanza e Previdenza in combining wealth-management-style advisory with insurance distribution, though Mediolanum's network is bank-affiliated and substantially larger.
• Allianz Italia: One of Italy's largest composite insurers with a multi-channel distribution network including captive agents and brokers. Comparable to Finanza e Previdenza in distributing life, P&C, and savings products to Italian households and businesses, but operates at vastly larger scale and with proprietary underwriting rather than a pure-agency model.
• Mediolanum Vita: Life insurance and savings carrier distributed through the Mediolanum advisor network. Overlaps with Finanza e Previdenza's life, savings, and PAC-style capital accumulation offerings, though it sits on the carrier side of the intermediation chain.
• Generali Italia: Italy's largest insurance group with an extensive captive and broker distribution network. Comparable as a national insurance distributor across life, health, and P&C lines, but with full underwriting capability and bank/bancassurance channels absent from Finanza e Previdenza's model.
• CNP Vita (CNP Assurances): Italian life insurance carrier distributed largely through bank and financial-advisor channels (including Fineco, BCC). Overlaps with Finanza e Previdenza on savings, PAC, and pension products in Italy, though CNP sits on the carrier side and benefits from float economics.

Regional players

• Reale Mutua: Italian mutual insurer with strong regional roots and a broker/agent distribution model. Comparable in serving Italian households and SMEs with life, P&C, and savings products, but structured as a mutual carrier rather than a pure intermediary.

Emerging players

• Facile.it: Italian insurance price-comparison and aggregator platform. Partial overlap as an alternative insurance distribution channel for Italian consumers, representing the digital/aggregator threat to traditional agencies like Finanza e Previdenza.
• Segugio.it: Italian insurance and financial product comparison platform. Overlaps with Finanza e Previdenza as a competing channel for Italian retail insurance distribution, particularly in home, auto, and life categories.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/finanzaeprevidenzasrl
• LinkedInlinkedin.com/company/finanza-e-previdenza

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Finanza e Previdenza