HMT Solution

What HMT Solution does

HMT Solution AG is a Swiss independent insurance and financial services broker incorporated as an Aktiengesellschaft and headquartered in Augst, Switzerland (Hausmattweg 9, CH-4302 Augst). Founded in 2002 and registered with FINMA as an independent insurance intermediary (Registernummer F01073702), the company operates a two-sided broker pooling network consisting of 50+ independent Co-Brokers delivering advisory services and 90+ product partners providing the underlying insurance, banking and wealth management products. The company is led by CEO and Chairman Stephan E. Theiler, who also holds an individual FINMA registration (F01025990) and a CICERO certified financial advisor membership (Nr. 18544).

The company's product surface is organized into three pillars. Neutral Advisory Services cover insurance checks, pension and financial planning, real estate financing, tax advisory, inheritance and succession planning, and company formation. Private Client Services span savings and wealth management, financing and investments, housing, legal and cyber protection, valuables, vehicle and travel, health and accident, and pet insurance. Business/Enterprise Services cover liability, inventory and machinery, buildings, vehicle fleet, legal and cyber, occupational pensions, and health and accident coverage for KMU (SME) clients. The technical stack is thin by software-company standards: a corporate website (multilingual: German, English, Polish) and a secure Kundenportal (customer portal) for online document access and account management. There is no mobile app, no public API, and no SDK.

Revenue is generated through two principal streams. First, insurance brokerage commissions paid by insurance carriers on business placed through the HMT broker network (transaction-fee model). Second, fee-based professional advisory services for private and corporate clients covering pension planning, tax advice, succession planning and related financial planning (professional-services model). Pricing is not publicly disclosed and is determined on a consultation basis. End customers are 25,000+ private individuals and SMEs served through the Co-Broker channel and direct advisory staff, distributed across Switzerland only, with no disclosed international footprint. The named partners cited on the site (Helvetia, Helsana, Valiant, Profond, Mahrberg Wealth AG, Tellco) are product or distribution partners rather than end customers.

Name

HMT Solution

Legal name

HMT Solution AG

Website

https://hmt-solution.ch

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

HMT Solution AG is a Swiss independent insurance and financial services broker, founded in 2002 and headquartered in Augst, serving 25,000+ private individuals and SMEs through a network of 50+ Co-Brokers and 90+ product partners across insurance, banking and wealth management.

Ownership category

akta.pro rank

Headquarters

HQ city

Augst

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: HMT earns commissions from insurance companies for placing business through their broker network. Co-brokers operate independently and are compensated through the pooling arrangement.
2. Financial Advisory Services: Fee-based financial advisory and planning services for private and corporate clients including pension planning, tax advice, and succession planning.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

HMT Solution AG is an independent Swiss insurance broker and financial advisory firm that connects private clients and SMEs with insurance and financial product partners through a network of 50+ Co-Brokers. Its core offerings include neutral advisory services (insurance checks, retirement and financial planning, tax advice, succession planning), private client services (wealth management, health, vehicles, legal protection), and business services (liability, property, occupational pensions). The company earns commissions from insurance placements and fees for advisory services, supported by its FINMA registration as an independent insurance intermediary.

Product overview

HMT Solution AG is a Swiss financial services broker operating as a unified advisory platform with specialized service divisions. The company provides independent insurance, pension planning, and financial advisory services through a network of over 50 Co-Brokers to more than 25,000 private and business customers. Services are organized into three main pillars: Neutral Advisory Services (insurance checks, retirement and financial planning, tax and inheritance advice), Private Client Services (wealth management, real estate financing, health coverage), and Business Services (liability, property, vehicle insurance, occupational pensions). The company also operates a Customer Portal (Kundenportal) for client account management and maintains a Co-Broker Network platform enabling independent brokers to access over 100 product partners across insurance, banking, and wealth management sectors.

Differentiator

Problem solved

Functional benefit

Products and services

• Neutral Advisory Services (Neutrale Beratung) Independent advisory services covering insurance checks, retirement planning, finances, real estate, business formation, tax advice, inheritance, and succession planning for private and business clients.
• Private Client Services (Angebot Private) Comprehensive financial services for private individuals covering savings and wealth management, finances and investments, housing and home ownership, legal and cyber protection, valuables, vehicles and travel, health and accident coverage, and pet insurance.
• Business/Enterprise Services (Angebot Unternehmen) Insurance and financial services for businesses including liability coverage, inventory and machinery insurance, building coverage, vehicle insurance, legal and cyber protection, occupational pension planning, and health and accident coverage.
• Co-Broker Network A network of 50+ independent Co-Brokers providing brokerage pooling services with access to 100+ product partners in insurance, banking, and wealth management. Co-Brokers benefit from administrative support, training, marketing support, and succession planning resources.
• Customer Portal (Kundenportal) Secure online portal for customers to access their accounts, documents, and manage their insurance and financial services relationship with HMT.

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

25 partnerships are on record, tiered minor and core.

• AppenzellerminorChannel Partner/ Reseller/ DistributorInsurance company partner providing products through HMT broker network
• asga pensionskasseminorChannel Partner/ Reseller/ DistributorPension fund partner for occupational pension solutions
• AssuraminorChannel Partner/ Reseller/ DistributorHealth insurance partner
• AtupriminorChannel Partner/ Reseller/ DistributorHealth insurance partner
• AutoMateminorChannel Partner/ Reseller/ DistributorSpecialty insurance partner
• AXAcoreChannel Partner/ Reseller/ DistributorMajor insurance company partner with comprehensive product range
• AXA-AragminorChannel Partner/ Reseller/ DistributorLegal protection insurance partner
• BaloisecoreChannel Partner/ Reseller/ DistributorMajor insurance company and bank partner
• CSSminorChannel Partner/ Reseller/ DistributorHealth insurance partner
• Die MobiliarcoreChannel Partner/ Reseller/ DistributorMajor Swiss insurance company partner
• GeneralicoreChannel Partner/ Reseller/ DistributorMajor international insurance company partner
• HelsanacoreChannel Partner/ Reseller/ DistributorMajor health and accident insurance partner
• Helvetia VersicherungencoreChannel Partner/ Reseller/ DistributorMajor Swiss insurance company partner with long-term relationship
• Swiss LifecoreChannel Partner/ Reseller/ DistributorMajor life insurance and pension partner
• SwicacoreChannel Partner/ Reseller/ DistributorHealth insurance partner
• ValiantminorChannel Partner/ Reseller/ DistributorSwiss regional bank partner for financing solutions
• ZurichcoreChannel Partner/ Reseller/ DistributorMajor international insurance company partner
• Tellco AGminorChannel Partner/ Reseller/ DistributorPension fund and financial services partner with long-term relationship
• ProfondminorChannel Partner/ Reseller/ DistributorOccupational pension solutions partner
• Pictet & CieminorChannel Partner/ Reseller/ DistributorSwiss private bank partner for wealth management
• FINMAcoreOthersSwiss Financial Market Supervisory Authority - HMT is registered as FINMA-authorized insurance broker (FINMA Registernummer: F01073702)
• FinanzPlanerVerband SchweizminorOthersSwiss financial planners association membership for professional standards
• CicerominorOthersProfessional certification body - CEO Stephan E. Theiler holds Cicero membership (Nr. 18544)
• PolyReg Allg. Selbstregulierungs-VereinminorOthersSelf-regulatory organization for Swiss financial services providers
• Verein Ombudsstelle Finanzdienstleister (OFD)minorOthersSwiss ombudsman service for financial service disputes

Scale indicators7 records

Expansion highlights4 records

Others

• Zurich Insurance Group: One of HMT's core product partners; also operates its own direct and broker distribution in Switzerland. Useful as a vertical incumbent that sets the terms of the broker channel HMT relies on.
• Baloise Group: Swiss insurance and banking group with a strong broker channel and own retail distribution. Comparable for the multi-line insurance + pension + banking products it makes available through HMT's network, and competes for the same end customer.
• Swiss Life: Major Swiss life and pension insurer that supplies HMT's Vorsorge (pension) offering. Comparable for the life and pension product set and operates a competing financial advisor network.
• Helvetia Versicherungen: Major Swiss insurer that is both a HMT product partner and a vertical competitor via its own direct sales force. Relevant because it operates on the same side of the market (insurance provision and distribution) and shapes the commission economics HMT depends on.

Regional players

• Valiant Bank: Swiss regional bank cited as a HMT testimonial partner. Comparable as a Swiss regional financial services provider offering banking, financing, and adjacent insurance solutions to private and SME customers in overlapping Swiss regions.

Broad incumbents

• Marsh Switzerland: Large international insurance broker and risk advisor with a Swiss presence focused on corporate clients. Directly comparable as a competing distribution channel for commercial insurance and pension products, particularly for the KMU and enterprise customer segment HMT serves.
• Aon Switzerland: Global insurance brokerage and risk advisory firm with significant Swiss operations serving mid-market and enterprise clients. Comparable as a competing broker distribution channel for many of the same Swiss insurers HMT works with, though it operates at much larger scale and with a broader service portfolio.
• Howden Switzerland: International insurance broker group with growing Swiss operations offering retail, commercial, and reinsurance brokerage. Competes with HMT for mid-market and enterprise broker mandates and uses a similar partner-product distribution model.
• Willis Towers Watson (WTW) Switzerland: Global advisory and brokerage firm with Swiss operations across risk, insurance, and pensions. Comparable for the corporate and pension advisory segments HMT serves, and competes for the same FINMA-regulated distribution mandates.

Direct peers

• MLP SE: German-headquartered financial advisory and broker pooling network serving private clients and SMEs across financial planning, insurance, and pensions. Most comparable to HMT by business model: independent broker pooling with multi-product cross-selling and similar customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

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Compliance3 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 HMT Solution