Life & Finance

Name

Life & Finance

Legal name

Life&Finance

Website

https://lifefinance.nl

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Estate & Legacy Planning Advisory (FSAEAAAG), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Financial advisory services
• Mortgage advisory
• Insurance advisory
• Financial planning
• Independent financial advice

Headquarters

HQ city

Spijkenisse

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Fees: The company provides financial advisory services including mortgage advice, insurance consultation, and financial planning. Revenue is generated through advisory fees and/or commissions from financial products placed with insurers and lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Life & Finance is an independent financial advisory firm providing mortgage advisory, insurance advisory, and personalized financial planning services for private individuals and small-to-medium businesses (MKB). Services include mortgage advice for home purchase, renovation and sustainability upgrades, insurance advice covering personal and business risk products, life-event planning (pension, early retirement, death, disability, unemployment), and ongoing annual reviews of clients' financial products under a service subscription.

Product overview

Life & Finance operates as an independent financial advisory firm offering a unified portfolio of advisory services rather than a modular software platform. The core offering encompasses mortgage advisory (Hypotheken), insurance products (Verzekeringen), and financial planning for both individuals and entrepreneurs. The service is delivered through ongoing advisory relationships including annual product reviews, supplemented by a proprietary mobile app for iOS/Android (for damage reporting and account access) and an online customer portal (Mijn Life & Finance). The company also provides downloadable comparison tools and forms for mortgages, risk coverage, and wealth building.

Differentiator

Problem solved

Functional benefit

Segments2 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• 365 WonencoreStrategic or Co-development PartnerLife & Finance opened a new location in Hellevoetsluis in collaboration with 365 Wonen, a real estate company. This partnership creates a direct connection between housing and financing, providing short lines of communication and efficient service for customers navigating the home buying process.
• Stefan de RuijtercoreStrategic or Co-development PartnerFinancial advisor Stefan de Ruijter, who has been active in the region for years and built strong relationships with his clients, joined the collaboration. His expertise in mortgage advice and financial guidance aligns well with Life & Finance's approach.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Nedasco: Dutch intermediary providing back-office and product access services to independent financial advisors; comparable distribution and advisory intermediary model.
• De Hypotheker: Largest Dutch chain of independent mortgage and financial advisors offering mortgage advice, insurance, and financial planning to consumers — directly comparable in service mix and customer segment to Life & Finance.
• Van Bruggen Adviesgroep: Dutch network of independent financial advisors providing mortgage, insurance, and financial planning services to individuals and SMBs — directly comparable independent advisory model.
• Hypotheek Visie: Dutch mortgage advisory franchise focused on independent home financing advice for consumers; comparable on the mortgage advisory core service.
• DAK Intermediairs: Dutch financial services intermediary connecting independent advisors with insurers and lenders; comparable as an independent advisory distribution model.

Emerging players

• Pricewise: Dutch online comparison site for energy, insurance, and financial products; emerging digital competitor that disintermediates independent advisory relationships.
• Independer.nl: Dutch online comparison platform for insurance, mortgages, and other financial products; emerging digital channel competing for Life & Finance's referral and advice flow.

Broad incumbents

• Rabobank: Largest Dutch retail bank providing mortgages, insurance, pensions, and financial planning; broad incumbent competing for the same Dutch consumer financial-advisory wallet.
• Univé: Large Dutch insurance and financial services cooperative offering insurance, banking, and advisory products to consumers and SMBs; overlaps with Life & Finance's insurance and financial planning offerings but at much broader scale.
• Centraal Beheer (Achmea): Major Dutch insurance and financial services brand under Achmea offering insurance and financial planning products; broad incumbent that competes with independent advisors across Life & Finance's service lines.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/life-finance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Life & Finance