FAN

What FAN does

FAN (Finanzmakler am Nationalpark Manuel Fellner) is a sole proprietorship founded in 2012 by Manuel Fellner, operating as an independent insurance and loan broker (Versicherungsmakler) from Sankt Oswald in Niederbayern, Germany. The business delivers one-on-one insurance advisory services to individual consumers in the Lower Bavaria region and operates under permits issued under §34d Abs. 1 GewO (insurance mediation, register number D-7GVR-MUW37-18) and §34c Abs. 1 Satz 1 Nr. 1 GewO (loan mediation), with IHK München und Oberbayern as the competent supervisory authority. FAN has served 690+ customers cumulatively since founding, with headcount reported in the 1-10 range, reflecting a single-operator practice rather than a scalable platform.

The product set is service-led rather than technology-led: there is no proprietary platform, no app, and no API, and the company deliberately avoids comparison calculators in favour of personal consultation. Core offerings include the FAN Unfallpolice (a branded accident insurance product with customisable benefit levels, limb-specific compensation tables, and progression scales), the 'BU in 20 Sekunden' occupational disability insurance consultation concept, and 'Drei kleine Mäuschen', a retirement and wealth-preservation concept targeted at young adults and career starters. Advisory is delivered in person at the Sankt Oswald office, via online consultation, or at the customer's location, supported by a YouTube educational channel. There is no disclosed AI/ML capability and no technology or talent moat.

Revenue is generated through commissions paid by insurance carriers and embedded in policy premiums (Provision). FAN is positioned as independent of any single insurer, broker pool, or financial distribution network, with no sales quotas and no equity ties to carriers; pricing is not publicly disclosed and quotes are produced during consultation. Customer acquisition is primarily word-of-mouth and reputation-driven via Google Reviews and a #werdeFAN campaign, augmented by Facebook Pixel retargeting. The business has no subsidiaries, no parent company, no external funding, and no enterprise customers.

Name

FAN

Legal name

Finanzmakler am Nationalpark Manuel Fellner

Website

https://fan-versichern.de

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

FAN is a sole-proprietor independent insurance and loan broker founded in 2012 in Sankt Oswald, Germany, providing personalised face-to-face advisory services to individual consumers in the Niederbayern region and earning revenue via carrier commissions embedded in policy premiums.

Ownership category

akta.pro rank

Headquarters

HQ city

Sankt Oswald

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commission: Commission earned from insurance companies, included within the insurance premium (Provision). As an independent broker, FAN receives commissions from multiple insurance providers based on policies sold.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

FAN is an independent insurance and loan broker (Versicherungsmakler) offering personalized advisory and brokerage services across the German insurance market. The practice delivers individual insurance, occupational disability (BU), accident (FAN Unfallpolice), and retirement planning concepts through one-on-one consultations at the office, online, or at the customer's location in the Niederbayern region of Bavaria.

Product overview

FAN (Finanzmakler am Nationalpark) is an independent insurance and financial advisory broker offering personalized consultation services with approximately 690 satisfied customers. The company operates as a single-service advisory practice rather than a technology platform. The core offering is individual, personal, and fair insurance consulting, supported by branded products including the FAN Unfallpolice (accident insurance with customizable benefit levels and limb-specific compensation tables), BU in 20 Sekunden (occupational disability insurance consultation), and the Drei kleine Mäuschen retirement planning concept for young people. Services are delivered through face-to-face consultations, online sessions, or at the office in the Bavarian National Park region.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Insurance Consultation Personalized insurance advisory service that begins each engagement with a blank sheet of paper, focused on customer education so the individual can make free, informed decisions. Includes coverage analysis, retirement planning, wealth protection, disability (BU), accident, and healthcare insurance solutions. Targeted at individual consumers and families in Niederbayern at various life stages.
• FAN Unfallpolice Branded accident insurance product offered by FAN providing coverage for accident-related injuries, with customizable benefit levels, limb-specific compensation tables (Gliedertaxen), and progression scales. Designed for individual consumers seeking personal accident protection.
• BU in 20 Sekunden (Occupational Disability Insurance Concept) Advisory concept for occupational disability insurance (Berufsunfähigkeitsversicherung / BU) that explains BU coverage in 20 seconds via video, part of FAN's advisory offering on income protection for working individuals.
• Drei kleine Mäuschen (Retirement Planning Concept for Young People) Retirement and wealth preservation concept designed for young people, offering introductory financial planning education and early-stage insurance solutions for those beginning their careers. Targeted at career starters and young professionals.

Named customers4 records

Segments1 record

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• ERGOminorOthers · 1 January 2012Manuel Fellner worked independently in field sales for ERGO insurance before founding FAN in 2012. This was a prior employer relationship, not a current partnership.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Check24 Vergleichsportal: Germany's leading price-comparison platform for insurance, banking, and consumer products. Represents the primary digital-disintermediation threat to small independent brokers like FAN in standard insurance lines.
• CLARK: German insurtech digital insurance broker providing app-based policy management and advisory. Comparable as a tech-enabled broker intermediating personal insurance, a structural threat to advice-led brokers in standardized products.
• Verivox: Independent comparison and switching platform for insurance, energy, and financial products in Germany. Comparable as a digital channel competing for the same retail insurance customers FAN serves.
• Getsafe: Digital insurance broker/insurtech offering fully digital personal insurance products. Represents the digital-native alternative to traditional advisory brokers like FAN in the German market.

Broad incumbents

• MLP SE: Publicly listed German financial advisory and insurance brokerage group operating an independent, multi-advisor model. Operates at vastly greater scale than FAN but in the same independent-broker space with similar customer segment (career starters, families, retirees).
• ERGO Group: Major German primary insurer (Munich Re Group) and FAN's founder's prior employer. Comparable as a counterparty on whose product set FAN earns commissions, and as the dominant tied-distribution model FAN competes with.
• Allianz Deutschland: Largest German primary insurer with a tied-agent sales force and broad product portfolio. Comparable as a counterparty whose products FAN distributes and as a scaled incumbent in personal insurance distribution.
• DVAG (Deutsche Vermögensberatung): Germany's largest tied-agent financial advisory network. Operates in the same consumer insurance/financial advisory space as FAN but as a tied distribution model with employed agents, representing the structural alternative FAN positions itself against.

Direct peers

• Dr. Klein Privatkunden AG: German independent broker for finance, insurance, and real estate with a multi-advisor branch model. Comparable to FAN as a regulated independent broker (§34d/§34c) serving private customers with personal advisory relationships.
• A.S.I. Wirtschaftsberatung: Independent German financial advisory and insurance broker focused on academics and high-income individuals. Closely comparable to FAN in business model (independent broker, personal advisory, commission-based) though operating in a different customer segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/watch?v=hTPJBfBw0Bw
• Facebookfacebook.com/FANfinanzmakler
• LinkedInlinkedin.com/company/fan-finanzmakler

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 FAN