PrismaLife
PrismaLife AG is a Liechtenstein-based unit-linked life insurer founded in 2000, offering ESG-integrated pension, biometric risk, and funeral care products through insurance brokers and financial advisors in Germany, Austria, Italy, and Belgium, and operating as the international product competence center of the Barmenia.Gothaer group.
- Company typePrivate
- Founded2000
- HeadquartersRuggell, Liechtenstein
- Headcount101–250
- GTM typeB2C
- OfferingServices
What PrismaLife does
PrismaLife AG is a Liechtenstein-based life insurance company founded in 2000, headquartered in Ruggell and supervised by the FMA Finanzmarktaufsicht Liechtenstein. The company specializes in unit-linked (fund-based) pension and savings products, combined with biometric risk insurance such as critical illness, term life, and multi-risk coverage. Its product portfolio includes Prisma FlexInvest and FlexInvestPlus (pension with ESG fund options), Prisma Direktversicherung Bertrandt (company pension scheme), Prisma Moments (critical illness), Prisma FairPlay (term life up to EUR 150,000), Prisma MultiSafe (six-risk combined coverage), and Prisma Funeral Care for the Belgian market. The underlying technology is a unit-linked insurance platform offering access to over 150 funds (including 70+ ESG-rated sustainable funds), a two-stage ESG investment process integrating MSCI ESG Research data, systematic CO2 footprint monitoring, and digital customer and partner portals (myPrismaLife and Partner Portal) supporting online portfolio management, document management, and quote calculation.
PrismaLife operates a B2B2C model, distributing exclusively through insurance brokers, financial advisors, and intermediaries across Germany, Austria, Italy, and Belgium, with no direct-to-consumer channel. Revenue is generated primarily through recurring premium payments on unit-linked pension and life insurance policies, one-time single premium products (PrismaFlex and similar), ongoing policy administration and fund management fees, and advisory fees negotiated directly between customers and intermediaries under the company's net tariff model. The net tariff model, in place since 2008, separates product costs from advisor compensation, providing cost transparency that is unusual in the German insurance market. The company is majority-owned by Barmenia.Gothaer Finanzholding AG (75% since February 2023), with Onesty Group GmbH as a minority shareholder, and operates as the international product competence center for the Barmenia.Gothaer group with inclusion in group sustainability reporting from FY2024.
The company's strategic positioning is anchored in three differentiated pillars: (1) the regulatory and currency stability of the Liechtenstein jurisdiction combined with Solvency II compliance (FY2022 solvency ratio of 183%); (2) deep ESG integration, evidenced by an AA MSCI ESG Letter Rating on the coverage portfolio, consecutive top rankings in Zielke Research sustainability assessments, climate-neutral operations since 2020 with an 82% reduction in direct CO2 emissions from a 2019 baseline of 51.1 tonnes, and a target of 30 tonnes by 2030; and (3) product breadth enabled by integrations with major asset managers including BlackRock, Carmignac, DJE, DWS, Flossbach von Storch, Nordea, and Templeton. FY2025 results reported new business contribution sum of EUR 324.3 million (13.7% growth), single premium growth of 19.2%, and customer assets under management exceeding EUR 1.8 billion.
PrismaLife firmographics
Firmographics- Name
- PrismaLife
- Legal name
- PrismaLife AG
- Website
- https://prismalife.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- PrismaLife AG is a Liechtenstein-based unit-linked life insurer founded in 2000, offering ESG-integrated pension, biometric risk, and funeral care products through insurance brokers and financial advisors in Germany, Austria, Italy, and Belgium, and operating as the international product competence center of the Barmenia.Gothaer group.
- Ownership category
- akta.pro rank
Where PrismaLife is headquartered
LocationHeadquarters
- HQ city
- Ruggell
- HQ country
- Liechtenstein
- HQ region
- Europe
Offices1 record
Markets served
PrismaLife business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Recurring Premium Insurance Products: Ongoing premium payments from unit-linked pension and life insurance policies with flexible contribution schedules adapted to customer budgets and life situations.
- Single Premium Insurance Products: One-time lump sum premium payments for policies like PrismaFlex, with the company reporting 19.2% increase in single premiums.
- Policy Administration Fees: Ongoing fees for policy management, fund administration, and customer portal services.
- Advisory Fee Model (Net Tariffs): Since 2008, PrismaLife offers 'net tariffs' where advisory fees are separated from insurance costs. Customers pay advisors directly for consultation services, creating transparency and an alternative revenue stream from traditional commission-based models.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Multi-year contract | Net Tariff Model - Advisory fees separated from product costs |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
PrismaLife product offering
Product offeringCore offering
PrismaLife offers unit-linked (fund-based) life insurance and pension products combined with biometric risk insurance. The portfolio centers on flexible retirement and pension products (Prisma FlexInvest, Prisma FlexInvestPlus), risk protection products (Prisma Moments, Prisma FairPlay, Prisma MultiSafe), and funeral care insurance (Prisma Funeral Care), all with integrated ESG/sustainability criteria. Distribution is conducted exclusively through professional insurance brokers and financial advisors in Germany, Austria, Italy, and Belgium.
Product overview
PrismaLife is a Liechtenstein-based life insurance company offering unit-linked (fund-based) insurance products and biometric risk insurance. The product portfolio centers on retirement and pension products (Prisma FlexInvest, Prisma FlexInvestPlus, Prisma Direktversicherung Bertrandt) combined with risk protection products (Prisma Moments for critical illness, Prisma FairPlay for term life, Prisma MultiSafe for comprehensive coverage). The company also offers Prisma Funeral Care for Belgian customers and provides digital access through the myPrismaLife customer portal and Partnerportal for distribution partners. Since 2008, PrismaLife has offered net tariffs without acquisition commissions, with customers and brokers agreeing on individual advisory fees instead.
Differentiator
Problem solved
Functional benefit
Brands
- Prisma FlexInvest: Unit-linked pension insurance product offering maximum flexibility at every stage of life.
- Prisma FlexInvestPlus
- Prisma Funeral Care
- Prisma Moments
- Prisma FairPlay
- Prisma MultiSafe
Products and services
- Prisma FlexInvest Unit-linked pension insurance offering maximum flexibility at every stage of life. Allows customers to build personal retirement provisions with flexible premium payment options.
- Prisma FlexInvestPlus Unit-linked pension insurance with sustainability focus, allowing fund selection that considers ESG sustainability characteristics.
- Prisma Direktversicherung Bertrandt Company pension scheme (Direktversicherung) specifically designed for Bertrandt employees with tax advantages.
- Prisma Moments Critical illness insurance providing financial protection for families during difficult moments, including coverage after diagnosis.
- Prisma FairPlay Term life insurance adaptable to life, offering immediate protection for survivors with coverage up to EUR 150,000 sum insured.
- Prisma MultiSafe Comprehensive 360-degree protection against six major life risks in a single contract, saving time and money.
- Prisma Funeral Care Life insurance contract covering funeral expenses combined with family assistance services, provided in partnership with AXA assistance. Available for single, monthly, semi-annual or annual premium payments.
Quantifiable outcome
- 13.7% growth in new business to 324.3 million euros premium sum in fiscal year 2025
- +4 more outcomes
Companies that use PrismaLife
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
PrismaLife technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
PrismaLife partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- MSCI ESG ResearchcoreMSCI ESG Research provides sustainability data used for ESG scoring of investments, CO2 footprint calculation, and monitoring of exclusion criteria for the coverage portfolio (Deckungsstock). The company uses MSCI data to ensure investments maintain above-average ESG scores.
- MorningstarcoreMorningstar provides sustainability ratings for investment funds, used by PrismaLife to classify and recommend sustainable funds to customers through the Prisma FundFinder tool. PrismaLife aims to have over 50% of fund universe classified as sustainable.
- AXA AssistancecoreAXA Assistance provides family assistance services as part of the Prisma Funeral Care insurance product in Belgium, complementing the funeral expense coverage provided by PrismaLife.
- Cares AssistanceminorCares Assistance serves as contact partner for Prisma Funeral Care customers in Belgium, handling inquiries and providing customer support for the funeral insurance product.
- Major International Fund ProviderscoreFund selection includes products from major international asset managers including BlackRock, Carmignac, DJE, DWS, Flossbach von Storch, Nordea, and Templeton, providing access to over 150 funds across various asset classes and investment strategies.
- IDVM (Initiativkreises deutscher Versicherungsmakler)minorPrismaLife is a partner of the IDVM working group, connecting with German insurance broker community.
- SDG Allianz LiechtensteinminorPrismaLife participates in SDG Alliance Liechtenstein, supporting UN Sustainable Development Goals.
- Finance Forum LiechtensteinminorGold partner of Finance Forum Liechtenstein, the largest financial fair in Liechtenstein, participating with workshops on sustainable investment and pension provision.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
PrismaLife competitors and assessment
Company assessmentBroad incumbents
- Allianz Leben (Allianz SE): Largest German life insurer and dominant DACH market incumbent. Comparable in life and pension product portfolio, though at materially greater scale and with broader distribution and brand reach.
- Generali Deutschland: German arm of Italian Generali Group offering life, pension, and biometric products through broker and advisor channels. Comparable as a major foreign-headquartered insurer competing in the same German intermediary market.
- HDI Deutschland (Talanx): German life and P&C insurer under Talanx, offering unit-linked and biometric products with broad intermediary distribution. Comparable as a larger-scale German competitor in life and pension.
Direct peers
- Zurich Insurance Group: Swiss global insurer with material German life insurance operations (Zurich Life). Comparable to PrismaLife as a non-German headquartered insurer serving DACH unit-linked and pension customers with multi-channel broker distribution.
- Swiss Life: Swiss-headquartered life insurer with a strong German and Austrian footprint, offering unit-linked and biometric products. Directly comparable to PrismaLife in cross-border DACH distribution, fund-linked products, and pension provision focus.
- Vienna Insurance Group (VIG): Austrian-headquartered insurance group with strong DACH and CEE presence offering unit-linked life and pension products. Comparable as a non-German domiciled carrier serving similar German and Austrian intermediary-driven markets.
- Helvetia Versicherungen: Swiss insurance group active in Germany, Austria, Italy, and Belgium with life insurance and pension products. Closely comparable in geographic footprint and in cross-border unit-linked and biometric offerings.
- Stuttgarter Versicherungsgruppe: German mutual insurance group offering life, pension, and biometric products distributed primarily through intermediaries. Comparable as a mid-sized German life insurer focused on pension provision via broker channels.
Regional players
- Generali Italia: Italian life and P&C arm of Generali Group offering unit-linked, pension, and biometric products. Comparable as an incumbent Italian life insurer where PrismaLife maintains a regional Italian sales footprint.
- CNP UniCredit Vita: Italian bancassurance joint venture offering unit-linked and protection life products in Italy. Comparable as a foreign-domiciled life insurer serving the Italian market segment where PrismaLife also distributes via brokers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
PrismaLife social profiles
Digital presencePrismaLife financial estimates
Financial estimateRevenue estimate
Valuation estimate
PrismaLife leadership team
Management profileNumber of profiles
Profiles6 records
PrismaLife funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PrismaLife M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PrismaLife
What does PrismaLife do?
PrismaLife offers unit-linked (fund-based) life insurance and pension products combined with biometric risk insurance. The portfolio centers on flexible retirement and pension products (Prisma FlexInvest, Prisma FlexInvestPlus), risk protection products (Prisma Moments, Prisma FairPlay, Prisma MultiSafe), and funeral care insurance (Prisma Funeral Care), all with integrated ESG/sustainability criteria. Distribution is conducted exclusively through professional insurance brokers and financial advisors in Germany, Austria, Italy, and Belgium.
Is PrismaLife a public or private company?
PrismaLife is a private company. It is classified as corporate owned and is currently operating.
When was PrismaLife founded?
PrismaLife was founded in 2000. It employs 101 to 250 people.
Where is PrismaLife based?
PrismaLife is headquartered in Ruggell, Liechtenstein, in the Europe region.
How does PrismaLife make money?
Four revenue lines are on record. Recurring Premium Insurance Products are the primary driver. The others are single Premium Insurance Products, policy Administration Fees and advisory Fee Model (Net Tariffs).
Who are PrismaLife's main competitors?
Broad incumbents on record are Allianz Leben (Allianz SE), Generali Deutschland and HDI Deutschland (Talanx). Direct peers are Zurich Insurance Group, Swiss Life, Vienna Insurance Group (VIG), Helvetia Versicherungen and Stuttgarter Versicherungsgruppe. Regional players are Generali Italia and CNP UniCredit Vita.
Does PrismaLife have an API?
No public API is recorded for PrismaLife.