Vienna-life Lebensversicherung Ag Vienna Insurance Group

What Vienna-life Lebensversicherung Ag Vienna Insurance Group does

Vienna-Life Lebensversicherung AG is a Liechtenstein-domiciled specialist provider of unit-linked (fondgebundene) life insurance solutions, founded at the turn of 1999/2000 as a wholly owned subsidiary of Vienna Insurance Group AG Wiener Versicherung Gruppe (VIG). The company operates from a single headquarters in Bendern, Liechtenstein, with a small team of 11-50 employees, and distributes exclusively through licensed insurance brokers and independent financial advisors in DACH markets (Liechtenstein, Germany, Austria) and the broader European Economic Area. Vienna-Life positions itself as a specialist for affluent individuals and families seeking long-term wealth accumulation, private retirement planning, asset protection, and multi-generational succession structuring, leveraging Liechtenstein's AAA-rated financial center, favorable tax/legal environment, and EEA market access.

The company's core product is the Private Wealth Police (PWP), a flexible unit-linked life insurance policy with a EUR 25,000 minimum entry, structured in three modular variants: PWP Protect (systematic risk diversification including the proprietary GoldInvest Plus physical-gold fund), PWP Legacy (estate management with tax-optimized asset transfer outside probate), and PWP Invest (long-term wealth management). Each policy carries its own dedicated bank custody account (Einzeldepotführung), providing transparency, asset segregation under Liechtenstein Sondermasse protection, and access to 150+ ETFs and thousands of funds. A second product, the Vermögensbildungs-Police (Wealth Creation Policy), offers unit-linked private pension insurance with monthly contributions starting from EUR 100. Revenue is generated through insurance risk charges and investment management fees embedded in premium and policy structures, with both single-premium and regular-premium options available.

Vienna-Life operates as a channel-only business with no direct-to-consumer sales, relying on broker education (IDD-certified webinars, workshops, sales materials) and industry event presence (Fondspolicen-Summit, DKM, FONDS professionell KONGRESS) to drive distribution. The company has been recognized as Germany's most popular fond insurance provider (46.7% of 283 advisors surveyed, 2025), achieved top-3 ETF ranking in the Fondspolicen-Summit analysis, and holds Great Place to Work certification. It is led by CEO Hannes Fahrnberger, who brings 35 years of VIG Group experience, and sits within the broader VIG ecosystem of 50+ insurance entities in 30 countries serving 22+ million customers.

Name

Vienna-life Lebensversicherung Ag Vienna Insurance Group

Legal name

Vienna-Life Lebensversicherung AG Vienna Insurance Group

Website

https://www.vienna-life.li

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Vienna-Life Lebensversicherung AG is a Liechtenstein-domiciled specialist in unit-linked life insurance, offering the Private Wealth Police and Vermögensbildungs-Police for high-net-worth individuals seeking wealth accumulation, retirement planning, and multi-generational succession. The company distributes exclusively through insurance brokers across DACH and broader EEA markets as a wholly owned subsidiary of Vienna Insurance Group.

Ownership category

akta.pro rank

Headquarters

HQ city

Bendern

HQ country

Liechtenstein

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Unit-linked Life Insurance Premiums: Vienna-Life generates revenue through premiums paid by policyholders into their unit-linked life insurance and annuity policies. The company offers single premium and regular premium payment options. Premiums are invested in a choice of funds, ETFs, certificates, and precious metal funds selected by the policyholder. Revenue is generated through insurance risk charges and investment management fees embedded in the product structure.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Vienna-Life underwrites unit-linked life insurance policies that combine flexible investment management in funds, ETFs, certificates, and precious metal funds with life insurance coverage, asset protection, and multi-generational estate planning. Its primary product is the Private Wealth Police (PWP), offered in three variants — PWP Protect, PWP Legacy, and PWP Invest — alongside the Vermögensbildungs-Police for retirement accumulation and proprietary precious metal funds (GoldInvest Plus, Silver Plus). Each policy is structured under Liechtenstein law with its own separate bank custody account, and the products are sold exclusively through licensed insurance brokers and independent financial advisors.

Product overview

Vienna-Life is a unit-linked life insurance specialist offering two main products: the Private Wealth Police (PWP) and the Vermögensbildungs-Police (Wealth Creation Policy). The PWP serves as the primary offering with three modular components—PWP Protect for systematic risk diversification, PWP Legacy for estate management, and PWP Invest for long-term wealth management. Investment access includes over 150 ETFs and numerous funds from providers like BlackRock, along with proprietary funds such as GoldInvest Plus Fund and Silver Plus Fund. All products are structured under Liechtenstein insurance law with individual bank custody accounts for each policy.

Differentiator

Problem solved

Functional benefit

Brands

• Private Wealth Police (PWP): A unit-linked life insurance solution combining flexible investment, asset protection, and estate planning into a single concept, with three focus areas: PWP Protect (risk diversification), PWP Legacy (estate management), and PWP Invest (wealth management).
• Vermögensbildungs-Police
• GoldInvest Plus Fund

Products and services

• Private Wealth Police (PWP) A unit-linked life insurance policy that combines flexible investment, asset protection, and estate planning for high-net-worth individuals and families. Available from a minimum investment of EUR 25,000, with three focus areas: PWP Protect (risk diversification), PWP Legacy (estate management), and PWP Invest (wealth management). Each policy has its own separate bank custody account under Liechtenstein insurance law.
• Vermögensbildungs-Police (Wealth Creation Policy) A flexible unit-linked private pension insurance available as a single premium or regular premium product, providing a lifelong pension or one-time capital payment. Allows investment in multiple funds, ETFs, and money market funds, with monthly savings starting from EUR 100. Designed for long-term retirement accumulation.
• GoldInvest Plus Fund An investment fund investing predominantly in physical gold stored in Liechtenstein vaults (ISIN LI0038980699). At least 80% of fund volume is invested in physical gold. Classified as SFDR Article 8 (sustainable finance disclosure). Available within Vienna-Life's unit-linked insurance solutions. Reached record highs exceeding 256 EUR per unit in 2024 and delivered over 300% total return since inception.
• Silver Plus Fund A fund investing in physical silver, with performance dependent on silver price. Available within Vienna-Life's unit-linked life and annuity insurance policies.

Quantifiable outcome

• GoldInvest Plus Fund achieved total return of over 300% since inception
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• ESMT Berlin (European School of Management and Technology)minorStrategic or Co-development Partner · 15 October 2022Vienna-Life participates in the VIG Talent Programme held at ESMT Berlin, where 25 participants from 12 countries and 19 VIG companies receive leadership and professional development training. Maximilian Fichtenbauer represented Vienna-Life in the programme spanning 2022-2023.

Scale indicators10 records

Recent moves5 records

Expansion highlights5 records

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Vienna-life Lebensversicherung Ag Vienna Insurance Group