Ubezpieczenia & Finanse

What Ubezpieczenia & Finanse does

Ubezpieczenia & Finanse (legal name: POŚREDNICTWO UBEZPIECZENIOWE Bożena Ankier) is a regional insurance brokerage agency headquartered in Jasło, southeastern Poland, founded in 2004 and operating as a sole proprietorship under owner Bożena Ankier. The firm places policies for individual consumers and small/medium businesses across the Małopolskie and Podkarpackie voivodeships, covering cities including Jasło, Krosno, Rzeszów, Gorlice, Tarnów, Dębica, and Kraków. Its core product is group insurance (ubezpieczenia grupowe), complemented by life, vehicle (OC/AC/NNW/Assistance), business, property, and travel insurance, plus third-pillar pension fund advisory, all sourced through partnerships with more than 12 insurance carriers.

The business model is commission-based intermediation: the agency matches clients to carriers and earns brokerage fees on placed policies, with no proprietary technology platform, no disclosed pricing tiers, and no public API or developer integrations. Distribution is primarily direct, driven by a mobile consultant team that travels to client homes and businesses, supplemented by phone advisory, a city-specific local-SEO website (ubezpieczenia-ankier.pl), and an online insurance module that enables remote purchase and renewal. Word-of-mouth referrals and €FFP-certified advisory expertise are cited as primary acquisition and credibility levers. The firm employs 23 people, has no outside equity, no parent company, no subsidiaries, and no disclosed funding history; revenue is not publicly reported.

Name

Ubezpieczenia & Finanse

Legal name

POŚREDNICTWO UBEZPIECZENIOWE Bożena Ankier

Website

https://ubezpieczenia-ankier.pl

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Ubezpieczenia & Finanse is a regional insurance brokerage in southeastern Poland offering group, life, business, vehicle, property, and travel insurance through 12+ carrier partnerships, serving individual and SME clients across the Małopolskie and Podkarpackie voivodeships via mobile consultants and an online module.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance brokerage services
• Group insurance products
• Business insurance solutions
• Life and health insurance
• Vehicle and property insurance

Headquarters

HQ city

Jasło

HQ country

Poland

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, Infrastructure

Revenue model

1. Insurance intermediation / brokerage commissions: The company acts as an insurance broker and intermediary, earning commissions from multiple insurance carriers (over 12 insurance companies) by matching clients with appropriate policies. Revenue is generated through intermediary fees and commissions on placed insurance policies across group, life, property, automotive, travel, and business insurance lines.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Ubezpieczenia & Finanse is an insurance brokerage agency that acts as an intermediary between clients and more than 12 partner insurance companies (towarzystwa ubezpieczeniowe). The agency matches individual and business clients with appropriate insurance policies across group, life, property, vehicle, travel, and business lines, earning commissions on placed policies. Mobile insurance consultants travel to meet clients across the Podkarpackie and Małopolskie voivodeships of southeastern Poland, with online insurance services also available.

Product overview

Ubezpieczenia & Finanse Bożena Ankier is an insurance brokerage agency operating primarily in the Jasło region of southeastern Poland, offering a portfolio of insurance products through over 12 partner insurance companies. The core offering centers on group insurance (their stated specialty), complemented by life, vehicle, business, property, and travel insurance products. The agency also provides pension fund advisory services and an online insurance module enabling remote policy management. Products are available both in-person at client locations and through digital channels across the Podkarpackie and Małopolskie voivodeships.

Differentiator

Problem solved

Functional benefit

Products and services

• Ubezpieczenia Grupowe (Group Insurance)
• Ubezpieczenia na Życie (Life Insurance)
• Ubezpieczenia Komunikacyjne (Vehicle Insurance)
• Ubezpieczenia Firmowe (Business Insurance)
• Ubezpieczenia Majątkowe (Property Insurance)
• Ubezpieczenia Turystyczne (Travel Insurance)
• Fundusze Emerytalne (Pension Funds)
• Ubezpieczenia Online (Online Insurance Services)

Quantifiable outcome

• Customer savings of approximately 1,000 PLN on group insurance vs. standard individual policy pricing (reported by individual customer Kamila Kudryk)

Named customers3 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

Partnerships

One partnership is on record.

• Over 12 insurance carriers (towarzystwa ubezpieczeniowe)coreChannel Partner/ Reseller/ DistributorThe agency has partnerships with over 12 insurance companies (towarzystwa ubezpieczeniowe), offering clients a selection of policies from multiple carriers. Partner carriers include, among others, Open Life (confirmed via logo display on the website). The agency can negotiate individual insurance terms for clients based on the breadth of these carrier relationships.

Scale indicators5 records

Recent moves4 records

Expansion highlights3 records

Others

• Open Life Towarzystwo Ubezpieczeń Życie: Polish life insurer explicitly confirmed as a carrier partner of Ubezpieczenia & Finanse; included as a supplier/ecosystem participant whose distribution dynamics directly shape the agency's revenue model.

Broad incumbents

• PZU: Poland's largest insurance carrier with its own direct sales force and online portal. A competing distribution channel (not a brokerage) that competes with Ubezpieczenia & Finanse for end clients in life, motor, and property lines.
• Ergo Hestia: Major Polish property & casualty and life insurer with both direct sales and broker partnerships; one of the 12+ carrier partners and a structural competitor for end-client relationships in the same region.
• Nationale-Nederlanden Polska: Large Polish life insurance and pension provider with direct and broker channels; competes directly with Ubezpieczenia & Finanse on life insurance and pension fund advisory.

Direct peers

• rankomat.pl: Leading Polish online insurance comparison platform/broker placing policies across multiple carriers. Directly comparable to Ubezpieczenia & Finanse on the multi-carrier placement model, though delivered via digital rather than mobile-consultant channels.
• CUF Brokers: Polish insurance brokerage network placing policies with multiple carriers for individuals and SMEs; structurally analogous to Ubezpieczenia & Finanse as a regional multi-line intermediary.
• Unilink S.A. Poland's largest multi-carrier insurance brokerage network, distributing policies from 60+ carriers via regional agents — the same multi-carrier agency model Ubezpieczenia & Finanse operates, but at national scale.
• Mentor S.A. Polish insurance brokerage and financial advisory firm serving individuals and SMEs with multi-carrier placement and pension/advisory services — comparable product breadth (life, group, business) to Ubezpieczenia & Finanse.
• Expander Advisors: Polish financial advisory and insurance brokerage firm offering life, investment, and group insurance products — comparable to Ubezpieczenia & Finanse on the integrated insurance + pension-fund advisory proposition.
• mfind.pl: Online insurance brokerage platform operating in Poland across life, property, vehicle, and travel lines — same multi-line, multi-carrier intermediary role as Ubezpieczenia & Finanse, but via self-serve web/app.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ubezpieczenia-&-finanse

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 Ubezpieczenia & Finanse