Innovation intelligence brief
Innovation intelligence brief
Digital end-to-end white label B2B2C combining insurance, pension fund pricing and underwriting expertise
What became of it
Completed · High confidence · Last verified 2026-10-17
As catalogued
White-label B2B2C tool that aggregates state, employer (pension fund) and personal data to quantify individuals' income and savings gaps, combined with insurance and pension pricing and underwriting logic for insurers' advice journeys.
2026 reality
vlot AG sells a white-label SaaS platform for financial-wellbeing insights, data and lead generation and 'AI-ready data packages', plus consulting, integration and roll-out services, to insurers, brokers, banks, pension funds, corporates, software providers and fintechs. Referenced clients include Generali, Helvetia, PAX, CLARK, bvg-digital, Abes, Neosis and Servisa.
The company switched from B2C to B2B(2C) in 2019, before being catalogued. Since then the model expanded from insurers to banks, brokers, pension funds, employers and software providers; it reported profitability in 2022 and a Generali Switzerland-wide rollout in early 2023.
deep modelling of the Swiss three-pillar system (AHV/IV, BVG, 3a) embedded in partners' advice flows; relevant to the Swiss pension-gap advice market but geographically confined.
Third taxonomy
REVIEW · Verified the current offer and client logos on vlot.ch and the 2019 B2B(2C) switch, 2020 Generali PoC, 2022 profitability and early-2023 Generali rollout in Startupticker (15 September 2023). The founding year was not in the cited article, so the founding milestone was re-sourced to Startupticker's company profile.
Documented evidence
Homepage
Homepage
Homepage
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.