Vita Finance GmbH

What Vita Finance GmbH does

Vita Finance GmbH is a privately held Swiss independent insurance intermediary and financial advisory firm founded in 2014 and headquartered at Grenzstrasse 3b, 6214 Schenkon, Canton of Lucerne. The company operates a digital comparison platform covering basic and supplementary health insurance across 25+ Swiss providers (Helsana, Visana, Swica, CSS, Sanitas, Generali, AXA, Sympany, Concordia, and others), plus life insurance, hospital insurance, legal protection, depot/broker custody accounts, and over 200 pillar 3a investment funds, supplemented by online calculators (compound interest, budget, BMI, franchise) and human advisory via licensed FINMA-registered advisors (eight named individuals) and Cicero-certified staff. Customers access services through the website, phone, and in-person office consultations in Schenkon.

The core technology is a web-based comparison and calculator suite with SEO-optimized content marketing and a structured referral program, without disclosed AI/ML capabilities, mobile apps, or public APIs. Vita Finance is FINMA-registered as an independent insurance intermediary (F01206762) and complies with the revised Swiss Data Protection Act (revDSG/revFADP), positioning local data residency and regulatory independence as core trust signals.

Revenue is generated primarily through affiliate commissions from insurance providers (CHF 70 per basic health policy, 12-16 net monthly premiums on supplementary cover, 5.45-12% on P&C via the Procare Vorsorge AG partnership with 60% retained by Vita Finance, and 20-50 per mille on private pensions), with supplementary fee-based revenue at CHF 200/hour for retirement planning and scope-based billing for legal services. The company has served over 15,000 clients cumulatively since founding and operates with a small team of approximately ten named individuals. It is led by Roger Lipp (CEO), Flamur Prendi (COO), and René Keller (Head of Sales) with no disclosed external equity investors.

Name

Vita Finance GmbH

Legal name

Vita Finance GmbH

Website

https://vitafinance.ch

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Vita Finance GmbH is a Swiss independent insurance intermediary and financial advisor founded in 2014 in Schenkon, operating a digital comparison platform and licensed advisory across health insurance, pensions, investments, and legal services for Swiss consumers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Insurance brokerage services
• Financial advisory
• Insurance comparison platform
• Retirement planning
• Pension advisory

Headquarters

HQ city

Schenkon, Lucerne

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission - Basic Health Insurance: Vita Finance receives CHF 70 per basic health insurance policy sold through their platform. This is a one-time commission per policy.
2. Commission - Supplementary Health Insurance: Commissions of 12-16 net monthly premiums for supplementary health insurance products. Additional service fees of CHF 150-250 for 3-year support periods from certain insurers (Swica, Visana, Sympany).
3. Commission - Property & Casualty Insurance: Commissions ranging from 5.45% to 12% of premiums for property insurance, liability, motor, technical, transport, and accident insurance products. Commissions shared with Procare Vorsorge AG (60% to Vita Finance).
4. Commission - Legal Protection Insurance: Fixed commissions of CHF 20 to CHF 450 per legal protection policy, varying by product structure and coverage.
5. Commission - Private Pension Products: Commissions of 2% to 5% (20-50 per mille) of total production volume for private pension and life insurance products, calculated based on annual premium, contract duration, and specific insurer rates.
6. Retirement Planning Consultation: Pension planning is offered as a premium service billed at CHF 200 per hour for individualized advice.
7. Legal Services Consultation: Legal planning consultations including advance directives and powers of attorney are billed based on scope of service.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Vita Finance GmbH is a Swiss FINMA-registered independent insurance intermediary that runs a digital comparison and advisory platform for health, life, hospital, legal protection, and property insurance, plus depot/broker custody accounts and over 200 pillar 3a investment funds. It bundles these comparison tools with licensed human advisory, retirement and pension planning, investment advisory, tax consulting, and legal services (advance directives and powers of attorney). Revenue is generated primarily through commissions from insurance providers on policies sold, with select premium services billed hourly (e.g., CHF 200/hour for retirement planning).

Product overview

Vita Finance GmbH operates a digital financial advisory and comparison platform for the Swiss market. The core offering consists of comparison tools — including health insurance, life insurance, hospital insurance, legal protection insurance, depot/broker custody account comparison, and Säule 3a fund comparison — supported by a suite of financial calculators (compound interest, budget, BMI, and franchise). The company also provides advisory services in retirement and pension planning, investment advisory, vested benefits account selection, tax consulting, insurance advisory, and legal services (advance directives and powers of attorney). Additional offerings include a referral/loyalty program. All services are delivered digitally with optional personal consultation support.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Comparison Digital comparison platform enabling Swiss individuals to compare official health insurance premiums across 25+ Swiss providers, with recommendations on franchise options and insurance models. Potential savings of up to CHF 2,500 per year. Free for consumers, funded by provider commissions.
• Life Insurance Comparison Comparison tool for life insurance products in Switzerland, allowing users to evaluate and rank products by costs, projected capital returns, guarantees, and included benefits.
• Legal Protection Insurance Comparison Comparison service for private and traffic legal protection insurance policies, evaluating options by price, ratings, and coverage scope.
• Depot/Broker Custody Account Comparison Comparison platform for Swiss custody accounts and brokers, evaluating providers by custody fees, transaction costs, foreign exchange fees, exchange access, and available products.
• Hospital Insurance Comparison Comparison tool for hospital insurance plans, allowing users to compare options across General, Flexible, Semi-Private, and Private tiers.
• Retirement Planning Premium pension planning service covering all three Swiss pension pillars (AHV, BVG, pillar 3a), helping clients coordinate state and occupational pensions, optimize tax burden, and decide between annuity and lump-sum payouts. Billed at CHF 200 per hour.
• Pension Planning Retirement planning service focused on the second and third Swiss pension pillars, helping clients set retirement goals, understand pension or capital options, and implement tax-efficient strategies.
• Investment Advisory Investment advisory service providing access to diversified portfolios including ETFs, index funds, and sustainable ESG options, tailored to client goals with risk tolerance assessment and tax-efficient structuring advice.
• Vested Benefits Account Comparison Service helping clients compare and select vested benefits (Freizügigkeitsleistungen) providers for managing second-pillar assets during job transitions, career breaks, or relocation abroad.
• Tax Consulting Swiss tax planning and advisory service covering income tax review, expat and cross-border tax guidance, departure and relocation tax planning, and voluntary tax disclosures.
• Legal Services (Advance Directives & Power of Attorney) Legal advisory service assisting with the creation and notarization of advance directives (patient decrees), powers of attorney, and advance care directives, reviewed by certified legal professionals. Quoted based on scope of service.
• Insurance Advisory Independent insurance advisory service covering life insurance, motor vehicle insurance, home contents insurance, private liability insurance, and legal protection, with claims support and ongoing policy management.
• Säule 3a Fund Comparison Comparison service for over 200 pillar 3a (third pillar) investment funds from Swiss banks and insurance providers, enabling users to evaluate options based on financial goals and investment strategy.

Quantifiable outcome

• 90% of insurance clients save money through Vita Finance services
• +5 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

22 partnerships are on record, tiered core and partner.

• Procare Vorsorge AGcoreChannel Partner/ Reseller/ DistributorStrategic partnership for insurance brokerage operations. Procare serves as the contractual intermediary for certain insurance products, with commission sharing arrangements (60% to Vita Finance). Handles property insurance, technical insurance, transport insurance, motor insurance, accident insurance (UVG), and sickness benefit insurance products. Provides ongoing policy management and claims support infrastructure.
• HelsanapartnerOthersSwiss health insurance provider. Vita Finance receives CHF 70 flat commission for basic insurance policies and up to 16 monthly premiums for supplementary insurance.
• VisanapartnerOthersSwiss health insurance provider. Commission includes CHF 70 for basic insurance, up to 16 net monthly premiums plus CHF 180 service fee for combined basic and supplementary policies.
• SwicapartnerOthersSwiss health insurance provider. Commission includes CHF 70 for basic insurance, up to 16 net monthly premiums for supplementary, plus CHF 250 service fee for 3-year support period.
• CSSpartnerOthersSwiss health insurance provider. Basic insurance commission CHF 70, supplementary insurance 12-16 net monthly premiums.
• SanitaspartnerOthersSwiss health insurance provider. Basic insurance commission CHF 70, supplementary insurance up to 16 net monthly premiums.
• GeneralipartnerOthersSwiss insurance company. Private pension commissions up to 44 per mille of production volume, legal protection 18.125% of net annual premium, plus various property and casualty insurance commissions.
• AXApartnerOthersSwiss insurance company. Private pension commissions up to 46 per mille of total production volume for pension products.
• Swiss LifepartnerOthersSwiss life insurance and pension provider. Private pension commissions up to 44 per mille of total production volume.
• SympanypartnerOthersSwiss health insurance provider. CHF 70 for basic insurance, up to 16 net monthly premiums supplementary, plus CHF 150 service fee for 3-year support.
• InnovapartnerOthersSwiss health insurance provider. Most supplementary plans pay up to 16 monthly premiums.
• Groupe MutuelpartnerOthersSwiss health insurance provider. Various supplementary products pay 6-16 net monthly premiums depending on product.
• ConcordiapartnerOthersSwiss health insurance provider. Basic insurance CHF 70, supplementary typically 12 monthly premiums, up to 15 with bonus.
• Die MobiliarpartnerOthersSwiss insurance company. Commission varies by product and client factors, confirmed after contract issuance.
• ÖKKpartnerOthersSwiss health insurance provider. Basic CHF 70, supplementary 12-16 monthly premiums based on product.
• AssurapartnerOthersSwiss health insurance provider. Basic insurance CHF 70, supplementary typically 15 monthly premiums.
• PaxpartnerOthersSwiss insurance provider. Private pension solutions with commissions up to 50 per mille of total production volume.
• Liechtenstein LifepartnerOthersLiechtenstein-based life insurance provider. Private pension commissions up to 45 per mille of production volume, paid monthly over 36 months.
• KPTpartnerOthersSwiss health insurance provider. Basic CHF 70, supplementary 6-16 net monthly premiums depending on product type.
• AllianzpartnerOthersInternational insurance company operating in Switzerland through local partnerships.
• BaslerpartnerOthersSwiss insurance company offering property and casualty insurance products.
• HelvetiapartnerOthersSwiss insurance group offering life and non-life insurance products.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Allianz Suisse: Swiss arm of global insurer Allianz, providing life, health, and P&C cover alongside pension and investment solutions. Functions both as a Vita distribution partner and as a broad incumbent competing for the same end customers.
• Swiss Life Select: Swiss Life's financial advisory network offering wealth, pension, and insurance advice through licensed financial planners. Directly overlaps with Vita's retirement, pension, and investment advisory service lines.
• AXA Switzerland: Major Swiss insurer and distribution partner of Vita Finance. While a partner today, AXA's own direct advisory and digital channels represent an overlapping incumbent offering in health, life, and wealth products.
• Helvetia Insurance: One of Switzerland's largest insurance groups (life, P&C, and pensions). Both a distribution partner and a broad incumbent whose products (pillar 3a, life) Vita Finance routinely compares and distributes.

Others

• Swisscanto (by Zürcher Kantonalbank): Swiss asset/fund manager that supplies many of the pillar 3a funds Vita compares. While not a direct competitor, its fund offerings and proprietary advisory services sit in the same Swiss wealth allocation ecosystem Vita helps clients navigate.

Direct peers

• moneyland.ch: Swiss independent comparison platform for banking, insurance, mortgages, and pension products with editorial content. Closely mirrors Vita's pillars 3a, custody-account, and insurance-comparison use cases.
• comparis.ch: Switzerland's largest independent comparison portal covering health, household, motor, legal protection insurance, banking, and telecom. Most directly comparable to Vita Finance on insurance comparison, breadth of provider partnerships, and SEO-driven acquisition.
• bonus.ch: Swiss price-comparison site covering insurance, banking, telecom, and credit. Operates a similar model of multi-carrier insurance comparison plus side-by-side product ratings, directly overlapping Vita's core offering.

Emerging players

• MoneyPark: Swiss fintech comparison and advisory platform primarily for mortgages and insurance. Overlaps with Vita's personal advisory plus digital comparison hybrid, though more concentrated on mortgage products.
• Fineo: Swiss digital insurance broker offering independent advice and online contracting across multiple carriers. Competes with Vita for the digital-first Swiss insurance-customer segment, particularly in life and property coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@vitafinance7878
• Facebookms-my.facebook.com/vitafinance
• LinkedInlinkedin.com/company/vita-finance-gmbh
• Instagraminstagram.com/vitafinance_ch

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 Vita Finance GmbH