Institut fur Vorsorge und Finanzplanung

What Institut fur Vorsorge und Finanzplanung does

Institut für Vorsorge und Finanzplanung GmbH (IVFP), headquartered in Altenstadt/WN, Germany, is a privately held B2B software and services provider focused on retirement provision and financial planning in the German-speaking market. Founded around 2000, the company operates across five divisions — Software, Rating, Akademie, Tax & Consulting, and Research — and has been recognized three times as a TOP 100 Innovator by compamedia (2018, 2021, 2024). Its core product is the IVFP Plattform, which integrates fairadvisor.net (advisory software) with fairgleichen.net (tariff comparison) to support intermediaries, banks, and insurers in product selection and client advisory workflows.

The platform is hosted on Microsoft Azure and incorporates identity, signature, payment, CRM, and remote-support components (Keycloak, signotec, Stripe, PayPal, Brevo, weclapp, TeamViewer). IVFP-Pilot, the company's proprietary AI-supported recommendation engine, is trained on 25 years of anonymized customer profile and product data and is deployed inside the advisory workflow rather than as a standalone consumer tool. The company also publishes independent product ratings (e.g., the 2025 Unterstützungskassen-Kompetenzrating and SBU-Rating) and runs an Akademie for intermediary training.

The business model combines recurring SaaS subscriptions and license fees for the IVFP Plattform, revenue from published ratings and certification, professional services across tax and consulting, and Akademie tuition. Distribution is split between direct sales to insurance companies and banks and channel partnerships through broker pools such as aruna and DIPAY, alongside a self-serve online shop for the long tail of German-speaking intermediaries (Vermittler). IVFP has not disclosed external funding and operates as a bootstrapped, founder-led GmbH under Managing Directors Prof. Michael Hauer, Thomas Krapf, and Dr. Andreas Kick.

Name

Institut fur Vorsorge und Finanzplanung

Legal name

Institut für Vorsorge und Finanzplanung GmbH

Website

https://ivfp.de

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

IVFP is a German B2B SaaS provider offering integrated advisory software, tariff comparison, independent product ratings, and academy training for the DACH retirement provision market, serving insurers, banks, and intermediaries.

Ownership category

akta.pro rank

Product category

Insurance & Retirement Provision Advisory Software

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (523940), Other Insurance Related Activities (52429)

SIC

Services-Computer Programming Services (7371), Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industry

Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

Keywords

• Retirement provision software
• Insurance advisory software
• Financial planning SaaS
• Tariff comparison software
• Insurance product ratings

Headquarters

HQ city

Altenstadt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Software Subscriptions: Subscription-based access to consulting software, tariff comparison software, and the IVFP Plattform delivered as SaaS solutions. Multiple license tiers available with single-user licensing. Multiple licenses for enterprises require direct contact with IVFP.
2. Professional Services: Various consulting services including project and process consulting, tax consulting, and implementation support.
3. Education and Training: Seminars, webinars, lectures, and professional development programs offered through the IVFP Akademie.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

IVFP develops and sells SaaS-based consulting and tariff comparison software for the German-speaking retirement provision (Altersvorsorge) market, anchored by the IVFP Plattform that combines fairadvisor.net advisory software and fairgleichen.net tariff comparison tools. The company supplements this software core with independent insurance product ratings (e.g., fund-linked insurance, private pension insurance, occupational disability, support funds), professional development via IVFP Akademie, tax and project/process consulting, and market research services tailored to insurance companies, banks, and financial intermediaries.

Product overview

The Institut für Vorsorge und Finanzplanung (IVFP) operates as a multi-divisional financial technology and advisory services company. Its core product is the IVFP Plattform, a unified SaaS platform combining advisory software and tariff comparison tools. The platform integrates two primary software products: fairadvisor.net (advisory support) and fairgleichen.net (tariff comparison), which are accessible individually or as part of the unified platform bundle. Additional software modules include Altersvorsorgedepot (retirement savings portfolio management), KI-gestützte Beratung/IVFP-Pilot (AI-powered advisory recommendation engine), fairtrag (electronic document signing via signotec), IVFP APIs (programmatic integration), Cloud-Consulting, IT-Consulting, and Individualsoftware (custom development). IVFP's offering is complemented by five business divisions: Software, Rating (product and company quality ratings), Akademie (training and seminars), Tax & Consulting (advisory services), and Research (industry studies and market research). The company targets insurance companies, banks, and financial intermediaries in the German-speaking market.

Differentiator

Problem solved

Functional benefit

Brands

• fairadvisor.net: Swiss army knife for retirement planning advice - a Beratungssoftware (consulting software) product for insurance advisors.
• fairgleichen.net
• IVFP-Pilot

Products and services

• IVFP Plattform Unified SaaS platform combining IVFP's advisory software (fairadvisor.net) and tariff comparison software (fairgleichen.net) into a single integrated package for preparation, consulting, conclusion and post-sale support of customers in Altersvorsorgeberatung (retirement provision consulting). Targeted at insurance intermediaries and financial advisors.
• fairadvisor.net Standalone web-based advisory software for insurance intermediaries that provides retirement planning advice support and product recommendation capabilities.
• fairgleichen.net Standalone tariff comparison software providing overview and transparency in the tariff landscape of the insurance industry, enabling side-by-side comparison of insurance products and rates.
• IVFP Rating Independent portfolio of insurance product and company ratings covering fund-linked insurance (Fondspolicen), private pension insurance, occupational disability insurance, support fund competency ratings and sustainability ratings, with results published as recognized quality seals (Gütesiegel) for the insurance industry.
• IVFP Akademie Education and training division offering seminars, webinars, lectures, roadshows, trade-fair congresses and professional speaker programs for insurance intermediaries and financial advisors, including IDD continuing education credits.
• Tax & Consulting Tax advisory and consulting services, including project and process consulting, supporting financial intermediaries and insurance companies with regulatory and operational expertise.
• IVFP Research Research division delivering studies, market research, tariff information services and simulation methods for the insurance and retirement planning industry, including the Produkttrends 2025 – Lebensversicherung Vermittlerumfrage (intermediary survey of ~90 advisors).
• IVFP APIs Programmatic integration offering providing APIs for partner and developer access to IVFP's platform, tariff information and data services, including Webservice integrations for tariff information and data transmission to insurance providers.
• Cloud-Consulting IT consulting service focused on cloud infrastructure strategy, migration planning and cloud-native architecture recommendations for insurance and financial services companies.
• IT-Consulting General IT consulting service covering technology strategy and implementation support for financial industry clients.
• Individualsoftware (Custom Software) Custom software development service tailored to the specific needs of financial intermediaries, insurance companies and banks.

Quantifiable outcome

• Third TOP 100 innovator award in 2024, 2021, and 2018

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• arunacoreChannel Partner/ Reseller/ Distributor · 17 September 2025Broker pool aruna integrates the IVFP Plattform and relies on independent consulting and data solutions for retirement provision advisory. This partnership enables aruna's broker network to access IVFP's comprehensive consulting and tariff comparison tools.
• DIPAY GmbHcoreChannel Partner/ Reseller/ Distributor · 18 August 2025DIPAY, an independent payment service provider, cooperates with IVFP to incorporate an independent consulting solution for retirement provision into their system, expanding access to IVFP solutions through DIPAY's network.
• MicrosoftcoreTechnology or IntegrationMicrosoft Ireland Operations Ltd. and Microsoft Corporation serve as primary hosting partner for IVFP's SaaS applications. Services include Microsoft Azure cloud hosting, Teams, Exchange, Outlook, Office, Identity Provider, and Microsoft Entra ID for identity access management.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Adlon Intelligent Solutions GmbH: Adlon provides insurance software and CRM solutions for German intermediaries and broker pools, directly comparable to IVFP's SaaS offering for the Vermittler channel with overlapping consulting and policy management features.
• Morgen & Morgen GmbH: Morgen & Morgen is a German insurance data, rating, and analysis house serving insurance carriers and intermediaries, comparable to IVFP's combination of insurance product ratings, market research, and tariff information services.
• softfair GmbH: softfair is a Hamburg-based SaaS provider of tariff comparison and product analysis software for insurance intermediaries in Germany, directly competing with IVFP's fairgleichen.net and IVFP Plattform on the same customer base of Vermittler and product categories.
• Franke und Bornberg GmbH: Franke und Bornberg is a German insurance rating agency producing independent ratings for life, health, and property-casualty products, directly overlapping with IVFP's IVFP Rating division that publishes product and company quality seals for the German insurance market.

Others

• Proxalto (formerly Deutsche Pensionskasse / Towers Watson Germany): Proxalto operates German actuarial and pension administration services, thematically adjacent to IVFP's retirement provision focus but operating as an administrator/carrier rather than a SaaS provider for intermediaries.
• softgarden (lumunu GmbH) — adjacent HR: Not a strong direct peer; included cautiously as an example of a German SaaS firm, though it serves HR rather than insurance.

Broad incumbents

• Hypoport AG: Hypoport operates a broad fintech platform in Germany including insurance distribution (Smart Insurtech), mortgage platforms, and real estate financing — overlapping with IVFP's insurance advisory SaaS as part of a much larger, publicly listed platform serving similar intermediary customers.
• Verivox GmbH: Verivox is a major German price-comparison platform for insurance, energy, and financial products, comparable to IVFP's comparison software as a much larger incumbent with overlapping insurance tariff data and intermediary-facing tools.
• CHECK24 Vergleichsportal GmbH: CHECK24 operates one of Germany's largest insurance and financial product comparison portals, intersecting with IVFP's fairgleichen.net tariff comparison offering but serving a broader consumer-direct and intermediary market at significantly larger scale.
• JDC Group AG: JDC Group is a German fintech providing insurance and investment platforms to banks, broker pools, and financial advisors, broadly comparable to IVFP's enterprise-facing SaaS but operating as a larger incumbent across multiple financial product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/institut-ivfp
• Xx.com/ivfp_de
• Facebookfacebook.com/IVFP.de

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Institut fur Vorsorge und Finanzplanung