Allianz Beratungs- Und Vertriebs- Ag Angestelltenvertrieb Stuttgart

What Allianz Beratungs- Und Vertriebs- Ag Angestelltenvertrieb Stuttgart does

Allianz Beratungs- und Vertriebs-AG is the German sales and distribution subsidiary of Allianz SE, headquartered in Stuttgart. The company operates a dual-channel distribution model combining employed sales representatives with self-employed agents organized under §84 HGB of the German Commercial Code, distributing Allianz's portfolio of life insurance, health insurance, property and casualty insurance, and financial investment products to retail and small-business customers across Germany.

The firm maintains a national footprint through branch offices in eight major German cities — Berlin, Hamburg, Munich, Frankfurt, Cologne, Stuttgart, Nuremberg, and Leipzig — and operates a Digital Sales unit organized around four hub locations, extending reach beyond the traditional tied-agency channel. Distribution is further augmented through partnerships with cooperative banks (Genossenschaftsbanken), enabling access to banking customers at the point of financial product consideration.

Revenue is generated via commissions on insurance and investment product sales, with the company functioning as Allianz SE's principal captive distribution platform in Germany. The subsidiary invests in long-tenure talent development through a 50-year-old Management Program (operating since 1974) and structured trainee tracks for both employed and self-employed agent paths. As a wholly-owned subsidiary of a publicly listed parent (Allianz SE, ticker ALV), the entity operates with embedded brand, product, and back-office support.

Name

Allianz Beratungs- Und Vertriebs- Ag Angestelltenvertrieb Stuttgart

Legal name

Allianz Beratungs- und Vertriebs-AG

Website

https://allianz-vertrieb.de

Company type

Private

Founded year

1890

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

German sales and distribution subsidiary of Allianz SE, headquartered in Stuttgart, distributing life, health, property and casualty, and financial investment products across Germany through employed and self-employed agents, digital sales hubs, and cooperative-bank partnerships.

Ownership category

akta.pro rank

Product category

Insurance Distribution

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

Keywords

• Insurance distribution
• Life insurance sales
• Property casualty insurance
• Financial advisory services
• Retirement planning

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue (via sales network): The company, as the sales and distribution arm of Allianz, generates revenue by placing insurance contracts (life, health, property & casualty) and financial products through its network of employed and self-employed sales agents. The distribution entity earns commissions and overrides on all premiums written through its agency network. Self-employed agents earn commission income directly; employed staff receive a base salary plus variable sales commissions and performance bonuses.
2. Agent Network Management Fees: Self-employed agency partners (§84 HGB) operate under a contractual triangle between the Allianz Beratungs- und Vertriebs-AG, the agent partner, and their deployed sales representatives. The AGP (Agenturpartner) model generates fee income through structured business plans and commission splits across the agency hierarchy.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Allianz Beratungs- und Vertriebs-AG is the dedicated German sales and distribution entity of Allianz SE. It distributes Allianz insurance products — including life, health, property & casualty, and financial investment/retirement products — to retail customers, families, and small businesses through a dual-track network of employed sales agents in branded Allianz agencies and self-employed representatives/agency partners under §84 HGB. A Digital Sales unit provides fully digital advisory from four German hub locations, and a cooperative-bank partnership channel extends distribution through Genossenschaftsbanken branches.

Product overview

Allianz Vertrieb operates as a comprehensive insurance sales distribution network offering a multi-tiered portfolio of products and career pathways. The core offering consists of insurance sales and advisory services for private and commercial customers covering life insurance, health insurance, property insurance, and financial investment products. Career programs include management trainee programs for Master's graduates, sales trainee programs for university graduates, dual study programs, and vocational apprenticeships. Independent partnership models allow entrepreneurs to operate their own Allianz agencies or serve as independent sales representatives under German commercial law. Specialist roles provide deep expertise in areas such as private health insurance, retirement planning, property insurance, and cooperative banking partnerships. The company also operates a digital sales unit with hub locations in Frankfurt, Nürnberg, Leipzig, and Hamburg.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance and Retirement Products Distribution Distribution of Allianz life insurance and retirement/biometric products (occupational disability protection, survivor benefits, retirement and pension plans) to retail customers through the employed agent and self-employed representative network.
• Private Health Insurance Distribution Distribution of Allianz private health insurance (PKV) products to retail customers through the employed and self-employed agent network, supported by dedicated PKV specialist experts who provide product training and field coaching to agents.
• Property and Casualty Insurance Distribution Distribution of Allianz property and casualty (Sachgeschäft) insurance products — including residential property, motor, and liability coverage — to retail and small business customers through the agency network, supported by dedicated property insurance sales experts.
• Financial Investment and Wealth Advisory Distribution Distribution of Allianz financial investment, capital investment, and wealth advisory products through the agency network, supported by dedicated Finanzmarktexperte (Financial Market Expert) roles.
• Digital Insurance Advisory Service (Digitaler Verkäufer) Fully digital insurance advisory and sales service delivered by employed digital sellers operating in agile teams of 8–10 from four hub locations (Frankfurt, Nürnberg, Leipzig, Hamburg). Covers the entire sales cycle — from needs analysis to contract completion — through video consultation and digital tools, with hybrid working arrangements and compensation potential up to €60,000 per year.
• Cooperative Bank Channel Insurance and Retirement Advisory Insurance and retirement product advisory delivered through a partnership with cooperative banks (Genossenschaftsbanken / Volksbanken / Raiffeisenbanken). Allianz insurance specialists are stationed at or support bank branches, providing co-consultation advisory to bank customers. Includes dedicated Versicherungsexperte and Kundenbetreuer roles managing the partnership and developing sales concepts for new business opportunities.

Quantifiable outcome

• Digital Sales Representatives can earn up to €60,000 per year (fixed salary + commissions + bonuses)
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• HUK-COBURG: Mutual German insurer operating a large exclusive agent network across Germany with employed field sales staff, directly comparable to Allianz Beratungs- und Vertriebs-AG's employed-agent and agency-partner model.
• R+V Versicherung: German insurer affiliated with the cooperative bank sector (Volksbanken/Raiffeisenbanken), distributing through both a tied-agent network and embedded bank-channel advisors — closely analogous to Allianz's combination of agency and Genossenschaftsbanken partnerships.
• Deutsche Vermögensberatung (DVAG): Largest independent financial advisory and insurance distribution network in Germany, operating an exclusive agent structure similar to Allianz's §84 HGB Vertreter model, distributing Allianz and other carrier products to retail customers.
• Debeka Versicherung: Germany's largest private health insurer and a major life insurer, running a large in-house tied-agent sales force that mirrors Allianz's structure of employed and self-employed insurance agents distributing proprietary products.
• Talanx / HDI Vertrieb: German insurance group (HDI, Hannover Re parent) running a multi-channel sales organisation with employed sales staff and tied agents across Germany, structurally comparable to Allianz Beratungs- und Vertriebs-AG.
• Generali Deutschland (Generali Vertrieb): German arm of Generali Group running an exclusive agency distribution organisation with employed and self-employed agents distributing life, P&C, and health products — comparable in structure and product scope.
• Zurich Versicherung (Deutschland): German subsidiary of Zurich Insurance Group with a sales organisation combining employed advisors and self-employed agents, directly comparable to Allianz Beratungs- und Vertriebs-AG's hybrid distribution model.
• AXA Konzern AG (Germany): Major German insurer with an exclusive tied-agent distribution organisation (AXA Vertrieb) comparable in scale, channel structure (employed and self-employed agents), and product breadth to Allianz's German sales network.

Emerging players

• Check24 (Versicherungen): Germany's leading online insurance aggregator and direct comparator; competes with Allianz Vertrieb for customer acquisition, particularly in commoditised P&C and simple life products where digital self-service is feasible.

Regional players

• Versicherungskammer Bayern (Versicherungskammer Vertrieb): Public-sector German insurer group with a strong tied-agent distribution network concentrated in Bavaria, comparable in agent-channel model but more regionally focused than Allianz's nationwide footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AllianzVertriebKarriere
• LinkedInlinkedin.com/company/allianz-beratungsundvertriebs-ag
• Instagraminstagram.com/allianzvertrieb_karriere

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 Allianz Beratungs- Und Vertriebs- Ag Angestelltenvertrieb Stuttgart