Mark & Michel

What Mark & Michel does

Mark & Michel AG is a privately held Swiss insurance broker and pension consultancy founded in 1992 and headquartered at Löwenstrasse 25, Zürich. The firm delivers pension and insurance advisory, practice-opening consulting, and pension fund management services tailored to academic professionals in Switzerland — primarily physicians (including members of ASP, FSP, SBAP), veterinarians, psychological professionals, lawyers, notaries, tax experts, and jurists. The firm operates as the designated Geschäftsstelle (business office) for several professional associations and pension foundations, including Pro Medico Stiftung (occupational pensions, 2nd pillar), Stiftung Freie Vorsorge (pillar 3b), Vorsorgestiftung Zürcher Anwaltsverband (2nd pillar for lawyers), and Interessenverband für Ärzte und andere akademische Berufe.

The company's product portfolio spans roughly 20 lines organized across personal insurance (health, daily allowance, income protection, death benefits, household, valuables, motor/water vehicle, building, personal liability, legal protection, pillar 3a, pillar 3b), business and practitioner insurance (professional liability, business property, machinery, employee accident, employee daily allowance, employee occupational pensions), and core services (Pensionskassenmanagement with Swiss GAAP FER 26 accounting, Vorsorge- und Versicherungsberatung needs analysis, and Praxiseröffnung practice setup advisory). The firm acts as an independent intermediary mediating between clients and an extensive panel of named insurance and financial partners including AXA ARAG, Mobiliar, Helsana, Generali, Helvetia, Sympany, Zurich Versicherung, Solida Versicherungen, Winterthur Versicherung, Versicherung der Schweizer Ärzte Genossenschaft, UBS, and Zürcher Kantonalbank.

Commercially, the firm operates on a sales-led model with free, non-binding advisory consultation and revenue generated through insurance and reinsurance intermediation commissions plus association management and pension fund administration service fees. Distribution runs exclusively within Switzerland via direct phone and in-person consultation, online quote request forms, downloadable brochures segmented by career stage, and partnership channels through professional associations. The senior team of approximately 12 includes credentialed specialists in pension fund management, financial planning, and legal advisory, and is led by founder/owner Peter Michel (Firmeninhaber und Geschäftsführer). No technology stack, AI capabilities, patents, funding rounds, M&A activity, or material leadership changes are disclosed.

Name

Mark & Michel

Legal name

Mark & Michel AG

Website

https://markmichel.ch

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Mark & Michel AG is an independent Swiss insurance broker and pension consultancy founded in 1992, serving physicians, lawyers, and other academic professionals in Switzerland with advisory, pension fund administration, and practice-opening services as designated business office for several professional associations.

Ownership category

akta.pro rank

Product category

Insurance and Pension Advisory Services

NAICS

Insurance Agencies and Brokerages (52421), Insurance and Employee Benefit Funds (5251), Management Consulting Services (54161)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Pension advisory services
• Insurance brokerage
• Occupational pensions
• Practice opening consulting
• Association pension management

Headquarters

HQ city

Zürich

HQ country

Switzerland

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. Insurance Intermediation: As an independent insurance broker, Mark & Michel earns commissions by mediating insurance and reinsurance contracts for clients in the healthcare and academic professional sectors.
2. Association Management Services: The company serves as the business office (Geschäftsstelle) for various professional associations and pension institutions, managing their operations and providing administrative services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Mark & Michel AG is an independent insurance broker and pension consultant that mediates insurance and pension contracts for academic professionals in Switzerland, primarily physicians, veterinarians, psychologists, and lawyers. The company delivers personalized pension and insurance advisory, manages pension fund administration for multiple professional associations and pension foundations (Pro Medico Stiftung, Vorsorgestiftung Zürcher Anwaltsverband, Stiftung Freie Vorsorge), and provides specialized practice-opening consulting for physicians establishing their own practices. It also operates an online insurance check service where clients can upload existing policies for expert review.

Product overview

Mark & Michel AG is an independent insurance broker and pension consultant founded in 1992, operating as a unified advisory and administration platform for academic professionals, primarily physicians and lawyers. The company's product portfolio consists of three interconnected service pillars: (1) Pension and Insurance Advisory (Vorsorge- und Versicherungsberatung) providing needs analysis and product recommendations, (2) Pension Fund Management (Pensionskassenmanagement) delivering administrative services for association pension institutions, and (3) Practice Opening Advisory (Praxiseröffnung) for physicians establishing private practices. These core services are supported by an extensive product palette spanning personal insurance products (health, daily allowance, income protection, death benefits, pillar 3a/3b pensions, household, valuables, motor, building, liability, legal protection) and business/corporate insurance products (association pension 2nd pillar, professional liability, business property, machinery, employee pension, employee daily allowance, employee accident). The company acts as an authorized office for several professional associations and pension institutions, providing both advisory services and administrative execution through its multi-client servicing platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Vorsorge- und Versicherungsberatung (Pension and Insurance Advisory) Independent advisory service covering needs analysis, product recommendations, and ongoing client support for pension and insurance requirements of academic professionals across the career lifecycle.
• Pensionskassenmanagement (Pension Fund Management) Comprehensive pension fund administration including beneficiary management, administrative services, accounting under Swiss GAAP FER 26, governance, and secretarial services for association pension institutions.
• Praxiseröffnung (Practice Opening Advisory) Specialized consulting service for medical professionals opening their own practice, covering insurance, pension, and business setup requirements in a single engagement.
• Insurance and Pension Product Portfolio (Mediated Policies) Mediated personal and business insurance and pension products spanning health, daily allowance, income protection, death benefits, pillar 3a/3b pensions, household, valuables, motor/water vehicle, building, personal liability, legal protection, association pension 2nd pillar, professional liability, business property, machinery, employee pension, employee daily allowance, and employee accident coverage.
• Unverbindlicher Versicherungs-Check (Online Insurance Check)

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

25 partnerships are on record, tiered minor and core.

• AXA ARAGminorOthers
• MobiliarminorOthers
• HelsanaminorOthers
• GeneraliminorOthers
• HelvetiaminorOthers
• InnovaminorOthers
• Solida VersicherungenminorOthers
• SympanyminorOthers
• UBSminorOthers
• Zürcher KantonalbankminorOthers
• Winterthur VersicherungminorOthers
• Zurich VersicherungminorOthers
• Pro Medico StiftungcoreStrategic or Co-development PartnerPro Medico Stiftung provides occupational pension (2nd pillar) solutions specifically for physicians, veterinarians, and psychological professionals (ASP, FSP, SBAP associations). Mark & Michel serves as the designated business office for this foundation.
• Stiftung Freie VorsorgecoreStrategic or Co-development PartnerStiftung Freie Vorsorge provides individual pension solutions (pillar 3b) for disability and death coverage for physicians and academic professionals. Mark & Michel serves as the designated business office.
• Vorsorgestiftung Zürcher AnwaltsverbandcoreStrategic or Co-development PartnerVorsorgestiftung Zürcher Anwaltsverband provides 2nd pillar occupational pension for lawyers and related professionals. Mark & Michel serves as the designated business office.
• Interessenverband für Ärzte und andere akademische BerufecoreStrategic or Co-development PartnerThis independent non-profit organization advocates for the professional and economic interests of physicians and academic professionals. Mark & Michel serves as the designated business office.
• AdvoRiskminorOthersAdvisory center for pension and insurance matters of the Zurich Bar Association for lawyers, notaries, tax experts, and jurists.
• Riskfree (PKRück AG)minorOthersProduct of PKRück AG that provides flexible disability and death coverage solutions to close gaps in insurance.
• Finanz KonsulentenminorOthers
• Impuls ZentrumminorOthers
• Neidhart RüttimannminorOthers
• Schweizerische Ärzte-KrankenkasseminorOthers
• TreufidaminorOthers
• UNISminorOthers
• Versicherung der Schweizer Ärzte GenossenschaftminorOthers

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Sympany: Swiss health and accident insurer with growing non-life portfolio — and a Mark & Michel partner. Overlaps specifically in physician/healthcare professional health and accident cover and daily sickness benefits, but operates as a carrier rather than a broker.
• Aon Switzerland: Global insurance and reinsurance broker with a substantial Swiss presence serving mid-market and large commercial clients. Comparable to Mark & Michel in offering intermediation across multiple carriers, but operates at much larger scale and does not specialize in the academic-professional niche.
• AXA Switzerland: One of Switzerland's largest insurance carriers (including AXA ARAG for legal protection) and a Mark & Michel partner. Provides competing health, life, motor, household, and liability products directly to consumers — comparable product footprint, but as carrier rather than intermediary.
• Helvetia Versicherungen: Major Swiss insurance carrier with both life and non-life products — and a listed insurance partner of Mark & Michel. As an incumbent it competes indirectly with brokers by pushing direct distribution, but it shares the same Swiss pension, health, and professional-liability product universe.
• Mobiliar: Leading Swiss cooperative insurer with a broad personal and commercial product range — also an active Mark & Michel partner. Comparable product overlap in health, liability, motor and household lines; differs by being a carrier rather than a broker.
• Zurich Insurance Group: Global Swiss-headquartered insurer with deep presence in life, health, and pension products — and a Mark & Michel partner. Overlaps in pillar 3a/3b, professional liability, and life insurance offerings, but competes at carrier rather than broker level.
• WTW (Willis Towers Watson): Global advisory and brokerage firm with Swiss operations covering insurance placement, pension and benefits consulting. Overlaps with Mark & Michel's insurance intermediation and pension advisory services but serves a broader corporate and institutional client base rather than niche academic professionals.
• Marsh & McLennan (Marsh Switzerland): One of the world's largest insurance brokers with a Swiss office network, providing risk advisory, insurance placement, and consulting. Comparable insurance intermediation capabilities but at significantly greater scale and without the academic-professional specialization that defines Mark & Michel.
• Generali Switzerland: Swiss arm of Generali Group offering life, non-life, and pension products — and a Mark & Michel carrier partner. Comparable product overlap in professional liability, life, and pension lines for individuals and small businesses.

Direct peers

• MLP SE: German financial advisory group explicitly focused on physicians, lawyers, engineers, and other academic professionals — the same core customer archetype as Mark & Michel. Both firms combine insurance brokerage, pension advisory, and wealth planning for high-income professional segments, making MLP the closest direct peer by business model and target customer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mark-michel

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Mark & Michel