Financeplan+

What Financeplan+ does

Financeplan+ (FP+ Unternehmensgruppe) is a privately held German insurance and financial brokerage group headquartered in Reutlingen, Baden-Württemberg, operating since 2003 through four wholly-owned subsidiaries: FinancePlan+ Finanz- & Versicherungsmakler GmbH (2003, private-customer focus), bAV & KV Consulting GmbH (2011, occupational pension and health insurance consulting), FinancePlan+ Gewerbe- und Industrieversicherungsmakler GmbH (2013, commercial and industrial lines), and FinancePlan+ Service GmbH (2015, multiple-agent platform for intermediaries transitioning from exclusivity). The group operates a B2B2C broker-network model, serving independent German insurance and financial advisors (Kooperationspartner) who in turn serve private consumers, commercial and industrial clients, and employers requiring bAV/corporate health solutions. Its product portfolio spans life and pension insurance, biometric risk products (dread disease, disability), health insurance (private full, supplementary, statutory, travel, animal), private and commercial property/casualty lines, motor and e-mobility, cyber, construction financing, banking products, investment funds, and tangible assets (precious metals, art, real estate).

The group's underlying technology stack centers on the FP+ Maklerservicecenter (MSC) — a centralized broker service center providing processing, comparison software, and administrative support — supplemented by the FP+ Tools suite (Metasolution, Nafi, procheck24, Courtagetool, DCS5-Net, DC Gewerbe), the smartMSC online service center, video consultation tools (ZOOM, GoToMeeting/GoToWebinar), and proprietary in-house coverage concepts (Hauseigene Deckungskonzepte) for both private and commercial customers. Four specialized competence centers (Kompetenzcenter) cover health insurance, construction financing, commercial insurance, and private composite lines. Partner enablement is delivered through FP+ Akademie (events, seminars, IDD continuing education, GOING PUBLIC!), the FP+ Webinare program, marketing support (consulting, communication services, partner websites, free customer magazine), and a merchandise shop for partner-branded materials. The company holds four German regulatory registrations (§34c, §34d, §34f, §34i GewO), statutory professional liability insurance with R+V Versicherungs-AG, and operates from a headquarters in Reutlingen plus a regional branch in Nürtingen.

FP+ earns revenue through commissions paid by insurance providers and product manufacturers for placed contracts — the customer receives advisory services at no direct charge. Additional commercial channels include marketing support packages, partner merchandise (business stationery, business cards via the online shop), and event/training fees. The customer segmentation spans four parallel personas: private end consumers, commercial/industrial businesses, employers seeking bAV and corporate health benefits, and the partner-broker network itself. The leadership team comprises Thorsten Bauer and Marcel Vogt, both serving as authorized Managing Directors across the core entities. The group has not publicly disclosed revenue or headcount figures, and operates exclusively in the domestic German market with no disclosed international footprint or external funding rounds.

Name

Financeplan+

Legal name

FinancePlan+ Finanz- & Versicherungsmakler GmbH

Website

https://fpplus.de

Company type

Private

Founded year

2003

Operating status

Operating

Ownership category

akta.pro rank

Headquarters

HQ city

Reutlingen

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from Insurance Providers: FP+ operates as a broker network that earns commissions from insurance providers (Versicherer/Produktanbieter) for placing insurance products. This is a standard brokerage model where the company receives commissions rather than charging clients directly for advice.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Financeplan+ is a German broker network (B2B2C) that provides insurance and financial product access, technology tools, marketing support, and processing services to independent insurance and financial advisors (Kooperationspartner). The group places insurance products (life, health, property, commercial, cyber, D&O, transport) and financial products (investment, construction financing, banking products) with multiple insurance providers and earns commissions, offering cost-free advisory to end customers.

Product overview

Financeplan+ (FP+ Unternehmensgruppe) is a German insurance and financial broker group consisting of four companies. The group operates as a multi-platform insurance broker network offering a comprehensive portfolio of insurance and financial products. The core entities include FinancePlan+ Finanz- & Versicherungsmakler GmbH (founded 2003, private customer focus), FinancePlan+ Gewerbe- & Industrieversicherungsmakler GmbH (founded 2013, commercial/industrial focus), bAV & KV Consulting GmbH (founded 2011, company pension and health insurance consulting), and FinancePlan+ Service GmbH (founded 2015, multi-agent platform). The group provides products across life/pension insurance, health insurance, private and commercial property insurance, construction financing, investment services, banking products, and specialized offerings like cyber insurance. Supporting services include FP+ Maklerservicecenter (MSC), comparison software, competency centers (health insurance, construction financing, investment), and the FP+ Akademie providing webinars and IDD continuing education.

Differentiator

Problem solved

Functional benefit

Brands

• FP+ Akademie: Training and education platform offering events, seminars, webinars, and IDD continuing education requirements for insurance intermediaries
• FP+ Tools
• FP+ Maklerimpulse
• FP+ Schnellkontakt
• smartMSC

Products and services

• Private Insurance and Financial Brokerage (FinancePlan+ Finanz- & Versicherungsmakler GmbH) Insurance and financial brokerage for private customers — life and pension insurance, biometric-risk cover, health insurance, private property / household / buildings / liability / legal protection / KFZ / electromobility / special items, construction finance, bank products, investment solutions, precious metals savings plans and real estate. Serves independent insurance and financial advisors (Kooperationspartner) and their end private customers.
• Commercial and Industrial Insurance Brokerage (FinancePlan+ Gewerbe- und Industrieversicherungsmakler GmbH) Commercial and industrial insurance brokerage for cooperation partners — commercial composite (property, contents and business interruption, technical insurance, cyber, transport), fleet/KFZ fleets, industrial insurance, asset-loss liability, D&O, special solutions for foreign properties, car dealerships, agriculture, showmen and hotel/gastronomy businesses, trade and craft insurance, commercial legal protection, association liability and multi-risk products such as Gothaer Unternehmer Police and Autohauspolice.
• Company Pension and Health Insurance Consulting (FinancePlan+ bAV & KV Consulting GmbH) Consulting for company pension schemes (bAV) and corporate / private health insurance, including all implementation paths of company pension provision, private full and supplementary health insurance, online consulting, KV comparisons, outsourcing of pension obligations, curing of pension commitments, creation of benefit regulations and social-insurance exemption consulting. Provided for brokers (Kooperationspartner) and their corporate clients / private customers.
• Multiple Agent Brokerage Platform (FinancePlan+ Service GmbH) Multiple-agent platform and liability umbrella for intermediaries, offering a broader product range and long-term service offerings for brokers transitioning from exclusivity.
• Hauseigene Deckungskonzepte (Proprietary Coverage Concepts) In-house proprietary insurance coverage concepts for private and commercial customers, covering private liability, household contents, legal protection, and commercial coverage solutions. Designed for partner broker distribution and product differentiation.
• FP+ Maklerservicecenter (MSC) Broker Service Center Central service-center platform for FP+ partners providing access to products, comparison and processing tools, administrative support and an extranet portal (login via Mein Büro). Supports partner brokers' daily operations.
• FP+ Beratungstechnologie (Comparison Software) Consulting technology and comparison software (Vergleichssoftware) used by partner brokers for product comparison across carriers and products.
• FP+ Tools Suite (Metasolution, Nafi, procheck24, Courtagetool, DCS5-Net, DC Gewerbe) Software suite for partner brokers covering product comparison, processing and commission tools across private and commercial lines.
• FP+ Akademie (Training and Webinars) Training and education platform for partner brokers offering events, seminars, webinars, IDD continuing education requirements (IDD-Weiterbildungspflicht) and GOING PUBLIC! programs. Underpins partner development and product knowledge.
• Baufinanzierung & Bausparen (Construction Financing and Home Savings) Brokerage of construction financing and home-savings products to support property purchase and home building. Distributed via FP+ partner brokers to private and commercial customers.
• Investment / FP+ Fondshop (Fund Shop) Investment product brokerage and personal fund-shop (FP+ Fondshop) for private customers, distributed via FP+ partner brokers.
• Cyber Insurance (Commercial) Cyber insurance product line for commercial customers protecting against digital risks and cyber incidents, distributed via FP+ partner brokers under the commercial / industrial brokerage subsidiary.
• Gothaer Unternehmer Police (Entrepreneur Multi-Risk Policy) Multi-risk insurance product for entrepreneurs from Gothaer, distributed via FP+ partner brokers under the commercial / industrial brokerage subsidiary.
• Autohauspolice (Car Dealership Policy) Specialised multi-risk insurance policy for car dealerships, distributed via FP+ partner brokers under the commercial / industrial brokerage subsidiary.
• Landwirtschaft Versicherung (Agricultural Insurance) Specialised insurance product line for agriculture and farming businesses, distributed via FP+ partner brokers under the commercial / industrial brokerage subsidiary.
• Vertrauensschaden-Versicherung (Fidelity / Embezzlement Insurance) Fidelity insurance for commercial customers covering financial losses from fraud or dishonesty, distributed via FP+ partner brokers under the commercial / industrial brokerage subsidiary.
• Briefpapier (FP+ Business Stationery) Business stationery with the FP+ company logo, DIN A4, 4/0 colored (front: colored / back: unprinted). Sold through the FP+ shop merchandise catalogue for partner brokers.
• Visitenkarte FP+ (FP+ Business Cards) Business cards with the FP+ company logo. Sold through the FP+ shop merchandise catalogue for partner brokers.

Segments4 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

Scale indicators2 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Allianz SE: Global insurance and financial services group with significant German broker distribution operations. Relevant as a broad incumbent whose product offerings flow through German broker pools including Financeplan+; represents both a key product supplier and competitive constraint.
• Zurich Insurance Group: Global insurer with German broker distribution and a major product supplier position. Relevant as a broad incumbent competing for broker mindshare and as a product partner whose terms directly affect Financeplan+ commission economics.
• CHECK24 Vergleichsportal: Germany's leading insurance and financial product comparison portal. While operating a different model (B2C aggregator), it competes for end-customer mindshare in the same product categories Financeplan+ partners distribute, representing both a threat and potential distribution channel.

Direct peers

• FondsFinanz Maklerservice GmbH: Independent broker pool for insurance and financial products in Germany, providing product access, marketing support, and processing services to partner brokers. Direct competitor to Financeplan+ in the German Maklerpool space.
• Jung, DMS & Cie. (JDC Group): German broker pool and financial services platform serving insurance brokers, financial advisors, and banks. Directly comparable to Financeplan+ in operating a multi-product platform for independent brokers with a focus on technology-enabled distribution.
• VEMA Versicherungs-Makler-Genossenschaft eG: German cooperative broker pool owned by its partner brokers, providing product access, comparison tools, and service support. Directly comparable to Financeplan+ as a competitor broker pool for independent insurance brokers in Germany.
• Maxpool Servicegesellschaft für Finanzdienstleister mbH: German broker pool offering insurance, investment, and financing products to independent financial advisors and brokers. Comparable to Financeplan+ in serving as a one-stop shop for partner brokers with centralized product access and back-office support.
• BCA AG: Germany's largest independent broker pool, providing partner brokers with product access, comparison tools, and processing services across insurance, investment, and financing. Most directly comparable to Financeplan+ given shared B2B2C broker-pool model serving independent Kooperationspartner in Germany.
• blau direkt GmbH & Co. KG: German insurance broker network and technology platform serving independent brokers with product placement, processing, and digital tools. Comparable to Financeplan+ in providing B2B2C broker enablement across insurance product lines.

Emerging players

• Smart Insurtech AG: German insurtech providing digital platform and product access for insurance brokers and financial advisors. Comparable to Financeplan+ in serving independent brokers, but with a stronger technology-first orientation and emphasis on digital workflows.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 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 Financeplan+