U-net Finance And Insurance Agents And Agencies Network

What U-net Finance And Insurance Agents And Agencies Network does

U-NET (legal name: U-Net, Finance and Investments Ltd.) is an Israeli privately-held network of independent insurance agents and financial planners founded in 1998 by Shlomo Aizic. The network comprises approximately 200 independent agencies distributed nationwide across Israel, with headquarters in Holon and a northern branch near Haifa. U-NET operates as a horizontal intermediation platform: agents within the network maintain their independence while gaining access to all Israeli insurance companies, investment houses, and pension providers, combined with shared technological, training, and negotiation resources.

The network's product surface spans life, health, and pension insurance (over 900 million ILS in annual premium under management), non-life/property and casualty insurance (over 90 million ILS), marine insurance, and capital markets/portfolio management services delivered through its wholly-owned subsidiary U-NET Invest Capital Markets Ltd. Supporting technology includes proprietary comparison systems for cross-carrier product evaluation, the UNET Academy training platform, web-based online calculators, a registered Insured Portal for policy access, and a Pension Advisory System. Additional business lines include a partial ownership stake in Tango, a subsidiary that co-owns approximately 30 other insurance agencies, and an active consideration of non-banking financing activities including factoring.

U-NET serves over 300,000 mass affluent Israeli customers through its agent channel and generates revenue from commissions across life and non-life insurance, portfolio management fees, training, and ancillary financial services. The company works with all major Israeli insurers and selected foreign insurers through external brokers, positioning itself as an independent (non-tied) distribution alternative to captive agent and bancassurance models. U-NET has been recognized as Outstanding Insurance Agency of the Year in 2010, 2012, and 2014, and its founder has held leadership positions in the Insurance Agents Association in Israel.

Name

U-net Finance And Insurance Agents And Agencies Network

Legal name

יו-נט, פיננסים והשקעות בע"מ (U-Net, Finance and Investments Ltd.)

Website

https://unet.co.il

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

U-NET is an Israeli privately-held network of approximately 200 independent insurance agencies and financial planners founded in 1998, serving over 300,000 mass affluent customers nationwide with life, non-life, pension, and investment products through shared technology and training.

Ownership category

akta.pro rank

Headquarters

HQ city

Holon

HQ country

Israel

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Agency Network Revenue (Commissions): U-NET generates revenue as a network of insurance agents and agencies. The network handles significant premium volumes: life insurance (over 900 million annual premium) and non-life insurance (over 90 million premium). Agents operate independently but are part of the network structure.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

U-NET operates a network of over 200 independent insurance agents and financial planners across Israel, providing a holistic business platform spanning life insurance (over 900 million annual premium), non-life insurance (over 90 million premium), pension planning, investment advisory, and financial planning services. The network enables agents to maintain business independence while accessing collective bargaining power, proprietary technological comparison tools, and the UNET Academy training platform.

Product overview

U-NET (יונט) operates as a network-plus-services platform for independent insurance agents and financial planners in Israel. The core offering is the U-NET Network, a network of approximately 200 insurance agencies providing life/health/pension (over 900M annual premium) and non-life/property insurance (over 90M premium). This core is augmented by several branded sub-offerings: יונט פתרונות, a private insurance agency working with all Israeli and foreign insurers; U-NET INVEST CAPITAL MARKETS LTD, the group's investment arm for portfolio management; U-NET ACADEMY, the internal training institution; and Tango, a subsidiary managing advanced insurance office operations with co-ownership in 30 other agencies. The digital layer includes a registered Insured Portal (פורטל המבוטחים), a Pension Advisory System (מערכת ייעוץ פנסיוני), and online calculators. The group also offers property/elementary insurance and marine insurance as service categories. The network was founded in 1998, headquartered in Holon with a northern branch near Haifa.

Differentiator

Problem solved

Functional benefit

Brands

• U-NET Academy: Training and professional development academy for network agents covering all business initiatives, enterprises, and instruction.
• U-NET Invest Capital Markets Ltd
• יונט פתרונות (UNET Solutions)

Products and services

• U-NET Insurance Agent Network A network of over 200 independent financial planners, insurance agents, and agencies across Israel providing a holistic business platform across financial planning, pension, investments, life insurance (over 900 million annual premium), and non-life insurance (over 90 million premium). The network serves over 300,000 customers.
• Property and Casualty Insurance (ביטוח אלמנטרי) Property and casualty insurance services including home, vehicle, and business coverage offered through the network's independent agents across Israel, with over 90 million in annual premiums.
• Life, Health, and Pension Insurance Services (ביטוחי חיים, בריאות ופנסיה) Life insurance, health insurance, and pension planning services offered through the network's independent agents, with over 900 million in annual life insurance premiums. The network works with all insurance companies to provide objective advice on pension and life insurance products.
• Marine Insurance (ביטוח ימי) Marine and cargo insurance services for import and export operations, covering vessels, cargo, and related maritime risks, offered through the network's independent agents.
• Unet Solutions (יונט פתרונות) Private Insurance Agency A privately-owned insurance agency under the UNET group, operating independently from any insurance company or institutional entity, working in full cooperation with all Israeli insurance companies and foreign insurers through external brokers, providing tailored insurance products for individual and collective clients.
• U-NET Invest Capital Markets Investment Management U-NET's investment arm providing boutique portfolio management solutions for agents' clients, including specific solutions for provident fund asset allocation (such as for EL-AL and sectorial groups) and mass affluent portfolio management.

Quantifiable outcome

• Over 900 million annual life insurance premium managed through the network
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• All Insurance Companies in IsraelcoreChannel Partner/ Reseller/ Distributor · 1 January 1998UNET works in full cooperation with all insurance companies in Israel, as well as foreign insurance companies through external brokers. This non-exclusive partnership structure allows the network to offer unbiased advice and access to the entire market for its agents and customers.
• Investment Houses and Pension ProviderscoreChannel Partner/ Reseller/ DistributorUNET works with all investment houses and pension providers in Israel, enabling comprehensive financial planning services across all areas including provident funds, pension funds, and investment management.
• Tango Insurance AgenciesminorStrategic or Co-development PartnerUNET holds ownership in Tango, a subsidiary that is also a partial owner in 30 other insurance agencies, creating an extended network of affiliated insurance operations.
• UNET Invest Capital Markets LtdcoreStrategic or Co-development PartnerUNET's investment arm providing boutique portfolio management solutions for network agents' clients. Provides specific solutions including provident fund asset allocation advisory (such as for EL-AL and sectorial groups) and mass affluent portfolio management.

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Hub International Limited: Hub International is a large North American insurance brokerage built by aggregating independent agencies, providing them with carrier access, technology, and shared services — structurally similar to U-NET's network of independent Israeli insurance agents.
• Brown & Brown, Inc. Brown & Brown operates a decentralized network of insurance agencies and brokerages with shared back-office capabilities, comparable to U-NET's independent-agent network structure serving mass-affluent and small-commercial customers through distributed offices.
• AssuredPartners, Inc. AssuredPartners is an insurance brokerage roll-up of independent agencies offering shared resources and multi-carrier access — directly comparable to U-NET's agent-network model in Israel serving life, health, and P&C lines.
• Howden Group: Howden is a global independent insurance broker network built on empowering entrepreneurial brokers while providing shared infrastructure, technology, and carrier access — directly analogous to U-NET's model of independent Israeli agents operating under a collective umbrella with all insurers.
• Altshuler-Shaham Providers Group: Altshuler-Shaham is a major Israeli financial advisory and investment management firm operating a network of independent advisors — closely mirroring U-NET's independent-agent financial-planning model within the Israeli market.
• Harel Insurance Investments and Financial Services Ltd. Harel is one of Israel's largest insurance and financial services groups with a substantial agent and advisor distribution network. As a domestic Israeli peer, it competes directly with U-NET's network for the same mass-affluent and SMB customers.

Broad incumbents

• Aon plc: Aon is a global insurance and reinsurance brokerage with broad risk-advisory capabilities. While far larger and globally diversified, it competes in the same insurance intermediation space where U-NET operates and would be a credible strategic acquirer or benchmark for the agent-network model.
• Lockton Companies: Lockton is the world's largest privately-held insurance brokerage, providing multi-carrier access and advisory services. As a privately-held broker-led organization, it is thematically aligned with U-NET's private, founder-led agent network structure.
• Marsh & McLennan Companies: Marsh is the world's largest insurance broker and risk advisor, providing intermediation services across commercial and consumer lines. It represents the incumbent broker model that U-NET's independent network model operates alongside, and a potential exit / partnership anchor.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with a brokerage and risk-management focus comparable to U-NET's intermediation activities across life, health, and P&C lines.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 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 U-net Finance And Insurance Agents And Agencies Network