INTERLIFE

What INTERLIFE does

INTERLIFE, s.r.o. is a Czech private limited financial advisory and insurance brokerage firm founded in 1999 and headquartered in Prague's Smíchov district (Na Konvářce 1864/13, Praha 5). The company is independently owned by Czech capital and serves more than 2,000 individual clients with approximately CZK 1.3 billion under advisory across investment and insurance products. It operates as a member of the Czech Association of Financial Advisory and Intermediation Companies (ČASFPZ) and is registered with the Czech National Bank as an insurance intermediary under license No. 015889PM.

The firm's offering consists of three interconnected services: (1) Financial Advisory, in which advisors analyze client profiles and design investment portfolio structures executed through partner financial institutions; (2) Investment and Insurance Product Management, providing ongoing administration, optimization, and claims/redemption handling for client portfolios; and (3) Property and Casualty Insurance Brokerage, covering life and non-life insurance, contract audits, and coverage negotiation with carriers. The firm holds professional liability insurance of up to CZK 35 million per event and maintains MiFID II customer categorization compliance. Distribution partners include Conseq (asset management), Uniqa, Allianz, and Generali (insurance).

The revenue model is commission-based: advisory services are provided free of charge to clients, while the firm earns transaction-based commissions from financial institutions for placed investment products and from insurance carriers for placed policies. There is no proprietary technology platform, no digital product, and no disclosed AI capability; all advisory delivery is human-led. The firm has not raised external funding and operates exclusively in the Czech market.

Name

INTERLIFE

Legal name

INTERLIFE, s.r.o.

Website

https://interlife.cz

Company type

Private

Founded year

1999

Operating status

Operating

Short description

INTERLIFE is a Prague-based independent financial advisory and insurance brokerage firm founded in 1999, serving more than 2,000 individual Czech clients with approximately CZK 1.3 billion under advisory across investment and insurance products on a commission-based model.

Ownership category

akta.pro rank

Product category

Financial Advisory and Insurance Brokerage

NAICS

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

SIC

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

akta.pro primary industry

Multi-Asset / Cross-Asset Brokerage (FSAEACAM)

Keywords

• Financial advisory services
• Investment intermediation
• Insurance brokerage
• Wealth management
• Portfolio management

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Commission-based Investment Intermediation: INTERLIFE acts as a financial intermediary, earning commissions from financial institutions for executed transactions. The advisor creates investment portfolio structures based on client profiles and receives commissions from the financial institutions where products are placed.
2. Insurance Brokerage Services: The company operates as an insurance broker providing property and casualty insurance services. They perform insurance contract audits, optimize existing coverage, and negotiate with insurance companies on behalf of clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

INTERLIFE is an independent Czech financial advisory firm offering professional financial advisory, ongoing management of clients' investment and insurance product portfolios, and insurance brokerage covering property and non-life insurance. Advisors analyze client profiles, recommend investment portfolio structures, place products with partner financial institutions, and provide continuous portfolio administration, optimization, and claims-handling assistance.

Product overview

INTERLIFE operates as a financial advisory firm offering three interconnected core services: Financial Advisory for investment portfolio design based on client profiles, Client Investment and Insurance Product Management for ongoing portfolio administration and optimization, and Property Insurance Brokerage for comprehensive insurance coverage placement and claims handling. The company is licensed as an insurance broker (license no. 015889PM) and investment intermediary, serving over 2,000 clients with approximately 1.3 billion CZK under management. Services are provided free of charge to clients, with the firm earning commissions from financial institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Advisory (Finanční poradenství) Professional financial advisory service in which advisors analyze the client's financial profile and propose an investment and money-management plan aimed at achieving lasting, growing returns and long-term financial independence. The proposed plan is presented to the client for approval and then implemented via partner financial institutions. Targeted at Czech individuals and families.
• Client Investment and Insurance Product Management (Péče o investiční a pojistné produkty klienta) Ongoing administration and optimization service that maintains records of clients' investment and insurance products, provides regular account updates, optimizes existing products over time, and assists with services such as insurance claim settlements and investment fund redemptions. Targeted at individuals and companies that have investment and insurance contracts needing active oversight.
• Property and Non-Life Insurance Brokerage (Majetkové pojištění) Insurance brokerage covering the full spectrum of life and non-life insurance, including property, vehicle, electronics, transport, professional liability, and D&O insurance. Includes auditing of existing insurance contracts, evaluation of coverage adequacy, competitive tendering across multiple insurers, and ongoing long-term care of the insurance portfolio, including claims-handling assistance. Provided under insurance broker license No. 015889PM. Targeted at individuals and businesses needing comprehensive insurance coverage.

Quantifiable outcome

• More than 2,000 satisfied clients served
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Česká asociace společností finančního poradenství a zprostředkování (ČASFPZ)coreOthersINTERLIFE is a member of the Czech Association of Financial Advisory and Intermediation Companies (ČASFPZ). The association promotes professional standards in financial advisory and intermediation services in the Czech Republic.
• ConseqminorChannel Partner/ Reseller/ DistributorConseq is listed as a significant partner, suggesting INTERLIFE collaborates with this Czech asset management company for investment products and services.
• UniqaminorChannel Partner/ Reseller/ DistributorUniqa is listed as a significant partner. INTERLIFE works with this insurance company to provide insurance products to clients.
• AllianzminorChannel Partner/ Reseller/ DistributorAllianz is listed as a significant partner. INTERLIFE collaborates with this global insurance company for insurance products.
• GeneraliminorChannel Partner/ Reseller/ DistributorGenerali is listed as a significant partner. INTERLIFE collaborates with this major insurance company for insurance products.

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Broker Trust: Independent Czech financial advisory and insurance brokerage firm. Competes head-to-head with INTERLIFE for the same SMB and affluent Czech clients in financial advisory, insurance intermediation, and portfolio management services.
• Partners Financial Services: Independent Czech financial advisor providing retail investment advisory and insurance brokerage. Closest functional peer to INTERLIFE in terms of product mix (investment funds + non-life + life insurance), client segment, and regulatory positioning in the Czech market.
• Conseq Investment Management: Czech asset management and investment services firm listed as a significant INTERLIFE partner. Directly comparable as a domestic investment intermediary serving Czech retail/HNW clients with multi-asset products; INTERLIFE distributes Conseq funds and both compete for the same advisory mandate in the Czech market.
• Swiss Life Select Czech Republic: Branch of the Swiss Life international financial advisory network operating in the Czech Republic. Delivers the same integrated investment advisory, insurance brokerage, and wealth planning services as INTERLIFE, with a stronger affiliation brand and broader product shelf.
• EFIC (European Financial Investment Consulting): Independent Czech financial advisory firm providing investment advisory and insurance intermediation to retail clients. Closely comparable in operating model, client segment, regulatory profile, and revenue model (commission-based intermediation).
• APOGEO investiční společnost: Czech-based independent investment company offering portfolio management and investment advisory services. Comparable to INTERLIFE in serving Czech retail and HNW clients with managed investment products, though with more institutional asset management positioning.

Broad incumbents

• Generali Investments CEE: Czech investment management arm of Generali group, listed as one of INTERLIFE's significant insurance partners. Functions both as supplier (product shelf) and broad competitor via Generali's broader insurance-and-investment distribution in the Czech Republic.
• Allianz pojišťovna (Czech branch): Czech arm of Allianz insurance and asset management group, also listed as a significant INTERLIFE partner. Competes indirectly via its captive bank-tied advisors and direct insurance distribution against INTERLIFE's insurance brokerage offerings.
• ČSOB Asset Management (ČSOB AM): Czech asset management arm of ČSOB bank group. While not a direct advisor like INTERLIFE, it manages the funds and wrappers that INTERLIFE distributes, and competes for the same client wallet via its own ČSOB bank branch advisor channel. Represents the bank-captive competitive pressure INTERLIFE's independence pitch counters.

Emerging players

• Fondee: Czech digital wealth management (robo-advisor) platform serving retail investors with passive ETF portfolios. Emerging competitor that addresses the same Czech retail client with a fully digital, lower-fee alternative to INTERLIFE's traditional human advisory model — represents the disruptive threat to traditional Czech advisors.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 INTERLIFE