What Verticus does

Verticus is a German independent insurance broker (Versicherungsmakler) and broker pool (Maklerpool) founded in September 2006 by Oliver Schmidt and Christian Beerboom, headquartered at Daimlerstraße 30 in Kerpen near Cologne. The company specializes exclusively in private health insurance (PKV) advisory and brokerage, serving three primary customer segments: employed individuals (Angestellte) seeking employer-subsidized PKV with retirement contribution planning, self-employed (Selbstständige) choosing between GKV and PKV with high-deductible stability strategies, and civil servants and trainees (Beamte und Anwärter) requiring Beihilfeergänzung supplementary coverage. Verticus has helped more than 60,000 customers optimize insurance coverage, save contributions, and improve benefits over its nearly 20-year operating history, and is currently registered as verticus Finanzmanagement AG in Köln (HRB 63779).

The core offering combines a market comparison platform spanning 40+ PKV providers with personalized human advisory delivered through a network of 255+ independent partner brokers and a direct-to-consumer channel. Supporting service modules include the Risikovoranfrage-Service, which anonymously queries pre-existing conditions with multiple insurers before formal application; Antragsmanagement for qualified application handling; Abwicklungs-Service for administrative paperwork and cancellation procedures; Langfristige Betreuung as ongoing post-sale customer care; and a proprietary virtual consultation room with screen sharing for remote advisory sessions. Broker partners receive subsidized datasets, discounted sub-licenses for comparison programs, risk pre-inquiry services, and the virtual consultation infrastructure. The company explicitly differentiates against pure online comparison portals by emphasizing personal advisory, transparent tariff comparison by price/benefit/contribution stability, and TÜV-certified (2023) customer satisfaction standards.

Verticus generates revenue through standard German insurance broker commissions (Courtage) paid by insurance providers on placed policies, with no additional customer fees because German PKV operates under statutory Tarifpreisbindung (tariff price binding), making all tariffs identically priced across distribution channels. The company operates approximately 40 internal staff and a 255+ broker partner network across Germany. In 2026, Verticus was acquired by INFITECH GmbH, a strategic operating company, with existing management continuing under CEO Oliver Schmidt alongside Vorstand member Christian Beerboom, deputy Vorstand Alexander Eck (responsible for leads and legal), and Leitung Innendienst / Geschäftsführer Clemens Breidert.

Name

Verticus

Legal name

verticus Finanzmanagement AG

Website

https://verticus.de

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Verticus is a German independent insurance broker and broker pool (Maklerpool) that has specialized exclusively in private health insurance (PKV) advisory since 2006, comparing tariffs from 40+ providers through a 255+ partner broker network and direct consumer consultation, headquartered in Kerpen near Cologne and acquired by INFITECH GmbH in 2026.

Ownership category

akta.pro rank

Product category

Private Health Insurance Brokerage

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Private health insurance brokerage
• Insurance advisory services
• Broker pool platform
• PKV tariff comparison
• Insurance risk pre-inquiry

Headquarters

HQ city

Kerpen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Broker Commissions (Courtage): Verticus generates revenue through commissions (Courtage) from insurance companies for placing policies. As an independent insurance broker (Versicherungsmakler), the company and its partner brokers receive commissions from insurers when customers purchase private health insurance policies. The commissions are paid by the insurance providers and do not result in additional costs for customers.
2. Partner Broker Network Services: Revenue is generated by providing services to over 255 independent insurance brokers across Germany. These services include access to comparison tools, subsidized data sets, risk pre-inquiry services, and other support functions that enable brokers to serve their PKV customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Verticus is an independent insurance broker (Versicherungsmakler) specializing exclusively in private health insurance (PKV) advisory in Germany. It provides comprehensive comparison of tariffs from 40+ PKV providers, anonymous pre-existing-condition pre-inquiries, application management, administrative handling, and long-term customer support. The company also operates a broker-pool (Maklerpool) serving 255+ independent insurance brokers with subsidized comparison tools, data sets, risk pre-inquiry services, and a virtual online consultation room.

Product overview

Verticus is an independent financial services company and insurance broker pool specializing exclusively in private health insurance (PKV) consulting and brokerage services in Germany. The company operates as a platform combining market comparison technology with personalized advisory services. Its core offering is the PKV-Beratung service, supported by complementary modules including Risikovoranfrage-Service (anonymous pre-existing condition inquiries), Antragsmanagement (application handling), Abwicklungs-Service (administrative support), and Langfristige Betreuung (ongoing client support). For B2B partners (insurance brokers), Verticus provides a Maklerpool-Dienstleistungen package that includes access to subsidized datasets, comparison tools, virtual consultation infrastructure, and partner website services. The company leverages an online Beratung delivery channel where advisors conduct screen-sharing consultations with clients.

Differentiator

Problem solved

Functional benefit

Products and services

• PKV-Beratung (Private Health Insurance Consulting) Independent consulting service for private health insurance (PKV) that delivers comprehensive market comparisons across 40+ providers, tariff optimization, and personalized recommendations for individuals (employees, self-employed, civil servants) selecting private health coverage.
• Risikovoranfrage-Service (Risk Pre-Inquiry Service) Anonymous pre-inquiry service that allows clients to obtain preliminary coverage assessments from multiple insurance providers for pre-existing conditions before formally applying for a PKV policy, reducing rejection risk.
• Antragsmanagement (Application Management) Qualified application management service that handles the complete insurance application process, including documentation preparation and submission to insurance providers across BU, LV and property insurance.
• Abwicklungs-Service (Administrative Handling Service) Administrative support service handling paperwork, correspondence with insurers, and cancellation procedures for insurance contracts on behalf of consumers.
• Langfristige Betreuung (Long-Term Customer Support) Ongoing customer support service where Verticus remains the primary point of contact after contract completion for all insurance-related questions, life-event-driven policy adjustments, and contribution planning.
• Maklerpool-Dienstleistungen (Broker Pool Services) B2B service bundle for independent insurance brokers that includes subsidized tariff data sets (local and nationwide), discounted comparison-program sub-licenses, risk pre-inquiry services, qualified application management, virtual consultation rooms, and partner website services.
• Online-Beratung (Virtual Consultation Room) Video-based consultation service where advisors share their screen with clients to review tariffs, pricing, coverage, and contribution-stability options together; available to both end consumers and partner brokers in the Maklerpool network.

Quantifiable outcome

• Over 60,000 customers helped optimize their insurance since 2006
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

16 partnerships are on record, tiered core.

• ARAGcoreOthersInsurance provider partnered with Verticus for private health insurance offerings. Verticus compares tariffs from ARAG as part of its comprehensive market comparison.
• AllianzcoreOthersMajor German insurance provider partnered with Verticus for PKV offerings.
• Alte OldenburgercoreOthersRegional German insurance provider partnered with Verticus for PKV offerings.
• AxacoreOthersMajor international insurance provider partnered with Verticus for PKV offerings.
• BarmeniacoreOthersGerman insurance provider partnered with Verticus for PKV offerings.
• DBVcoreOthersInsurance provider partnered with Verticus for PKV offerings.
• Die ContinentalecoreOthersGerman insurance provider partnered with Verticus for PKV offerings.
• GothaercoreOthersGerman insurance provider partnered with Verticus for PKV offerings.
• Hanse MerkurcoreOthersGerman insurance provider partnered with Verticus for PKV offerings.
• Münchener VereincoreOthersBavarian insurance provider partnered with Verticus for PKV offerings.
• R+V VersicherungcoreOthersGerman insurance provider partnered with Verticus for PKV offerings.
• Signal IdunacoreOthersMajor German insurance provider partnered with Verticus for PKV offerings.
• Versicherungskammer BayerncoreOthersBavarian insurance provider partnered with Verticus for PKV offerings.
• WürttembergischecoreOthersGerman insurance provider partnered with Verticus for PKV offerings.
• Inter VersicherungsgruppecoreOthersInsurance group partnered with Verticus for PKV offerings.
• DebekacoreOthersMajor German insurance provider partnered with Verticus for PKV offerings.

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Check24: Check24 is Germany's largest comparison portal covering insurance, banking, telecom, and travel. It offers direct PKV tariff comparison and serves as both competitor and potential channel partner for Verticus's broker network.
• Finanztip: Finanztip is a German consumer finance advisory and comparison publisher that covers PKV tariffs with independent editorial analysis. It competes with Verticus for trust-anchored PKV consumer guidance in the German market.
• Jung, DMS & Cie. Jung, DMS & Cie. is a major German Maklerpool (broker pool) serving independent insurance brokers across multiple product lines. It is a direct analogue to Verticus's broker pool model, with comparable B2B distribution infrastructure.
• Blau Direkt: Blau Direkt is a German insurance broker pool focused on independent brokers, offering comparison tools, product access, and back-office support. It overlaps Verticus in serving independent brokers seeking PKV and other product access.
• Verivox: Verivox is a leading German online price comparison portal for insurance (including PKV), energy, and finance, offering consumers direct tariff comparisons. Like Verticus, it competes for PKV consumers with comparison tools, though Verivox leans digital/self-service while Verticus emphasizes broker-led advisory.

Others

• Franke und Bornberg Research GmbH: Franke und Bornberg is a German insurance rating and analysis firm whose tariff ratings feed broker advisory workflows. It serves as an enabling data/analytics peer for PKV advisory operations like Verticus's.
• Softfair GmbH: Softfair provides comparison software and Maklerpool technology infrastructure used by German insurance brokers and pools. It is adjacent/comparable as the technology backbone for similar broker pool models to Verticus.

Broad incumbents

• MLP SE: MLP is a German financial advisory and wealth management firm serving professionals, self-employed, and high-net-worth clients. It competes for the same PKV advisory market as Verticus but with a broader financial planning offering and a larger public profile.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/verticus-finanzmanagement-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Verticus