Free Analysis

How much is insured and where do I have gaps?

Optimal insurance

Insure exactly as much as you need.

Adapt at any time

Your life changes, vlot adjusts your coverage and premium.

Why vlot is a good idea!

Have you ever thought about the financial situation in which you and your loved one would be in the event of sudden disability or death? Do you own a house and you want to protect the affordability of the mortgage for your family?
– Questions that you do not like.
vlot makes it easier for you.
A web-based analysis of your current financial situation allows us to identify any gaps in your coverage. We offer you an individualized insurance product, which closes exactly your cover gaps.
When life changes, we stand by your side. With customized insurance plans, we adapt to every situation in your personal situation, because with us you insure only what you need right now. All this combines vlot in a completely digital product.


Do you have any gaps in your risk?
We clarify this with a personal risk analysis.

A comprehensive risk analysis is often a complex, time-consuming process.
Tell us about your current situation and vlot offers you an instant, tailor-made risk assessment based on your personal parameters.


Risk analysis completed?
We suggest an individualized solution.

Life insurance is known to be very static and a bureaucratic nightmare.
vlot will provide you with a life insurance that is optimally tailored to your needs. Decide for yourself how much you want to secure with vlot and apply for insurance easily online.

Life Planning

When life changes tell us about it an we will calculate your new amounts.

Life is sometimes surprisingly unpredictable. Your insurance advisor usually does not care. vlot interested. With vlot, you can capture your life events at any time, recalculate your risk cover, and adjust your insurance plan accordingly. So you are always assured exactly.

vlot is unique



Life insurance company ElipsLife is our main risk carrier. Better safe than sorry.



Insure the exact amount you need for your family



Update your amounts and premiums based on your life changes



Be approved in a few minutes

Commission Free

Commission Free

We do not accept final commissions. For a fair contribution to our platform



We designed our product first with the customer

we are vlot

Daniel Schmidheiny
Co-Founder und COO

The idea for the concept behind vlot emerged as the owner and managing director of an insurance broker. After hundreds of customer dossiers analyzed, I realized that a radical change was needed in risk analysis and the life insurance industry. With vlot we implement that now!

Sandro Matter
Co-Founder und CEO

As a husband and father of two girls, financial security is close to my heart. With vlot we want to create a platform that makes this task easy for everyone. My many years of experience in strategy and business development within the financial sector give me a suitable profile.

Frank Fitzgerald

I overcome hurdles between business and technology. At that time, I taught myself programming as a child. My extensive experience in the financial sector flows fully into the DNA of vlot. I am a father of 2 children and a passionate snowboarder.