Insurer profile
Poste Vita S.p.A.
Poste Vita S.p.A. is the life insurance company of the Poste Italiane Group, founded in 1999. It is one of the leaders in the Italian life insurance market by premium collection and also operates in the non-life insurance segment through its subsidiary Poste Assicura S.p.A. The group offers life, savings, investment, pension, and protection products distributed through the Poste Italiane branch network of approximately 13,000 post offices.
Source- Legal entity
- Poste Vita S.p.A.
- Headquarters
- Rome, Italy
- Parent group
- Poste Italiane S.p.A.
- Regulator
- IVASS – Institute for the Supervision of Insurance (Istituto per la vigilanza sulle assicurazioni)
- Phone
- +39 06 54 92 41
- infoclienti@postevita.it
- Founded
- 1999
- Last verified
- Jul 13, 2026
Products from Poste Vita S.p.A.
life
Guaranteed Capital Investment Policies (Branch I)
Life insurance investment products linked to the Posta ValorePiù separate management fund that guarantee the return of invested capital at maturity and are exempt from inheritance tax.
life
Multi-Branch Investment Policies (Multi-Ramo)
Multi-branch life insurance investment products combining a Branch I separate management with Unit-Linked funds for greater capital diversification and market opportunity.
life
Poste Progetto Valore 360 – Sustainable Multi-Branch Policy
A 15-year sustainable multi-branch life insurance contract combining a Branch I separate management and a Branch III unit-linked fund across three target allocation combinations, with annual performance lock-in.
life
Poste Prospettiva Sviluppo – Unit-Linked Life Insurance
A mixed unit-linked life insurance contract linked to a dedicated internal insurance fund with a 6-year investment horizon (July 2025 – July 2031), aimed at capital growth while minimising the probability of loss at maturity.
life
Postaprevidenza Valore – Individual Pension Plan (PIP)
Individual pension plan (PIP) registered with COVIP (no. 5003) designed to build a supplementary pension through contributions deductible up to €5,300/year (from July 2026), with a choice of guided or dynamic investment profiles.
life
Postapersona Affetti Protetti – Term Life Insurance
Term life policy that pays a lump sum up to €1,000,000 to beneficiaries in the event of the policyholder's premature death, with online subscription available up to €300,000.
life
Postapersona Sempre Presente – Long Term Care (LTC) Lifetime Annuity
Life annuity insurance that pays a monthly lifetime annuity (€500–€2,500) in the event of permanent and total loss of self-sufficiency due to illness or accident.
financial
Posteprotezione Prestito Mio – Personal Loan Protection
Optional insurance covering BancoPosta personal loan holders against inability to repay the outstanding debt due to health or employment events.
financial
Posteprotezione Prestito Mio Flessibile – Flexible Loan Protection
Optional insurance tailored to BancoPosta flexible personal loan holders, protecting against inability to repay due to health or employment events.
financial
Posteprotezione Mutuo – Mortgage Protection
Optional insurance protecting BancoPosta mortgage holders against the risk of death or permanent total disability from accident or illness, covering the outstanding mortgage balance.
property
Poste Vivere Protetti – Modular Home and Personal Insurance
Modular insurance policy by Poste Assicura covering health/accident, home (fire and theft), civil liability including cyber risks, pet, and critical illness for investment product holders, available via post offices or online.
travel
Poste Vivere Protetti Viaggi – Travel Insurance Abroad
Modular travel insurance for trips abroad covering medical expenses, assistance, and optional cancellation, baggage, and sports equipment coverage for up to 100 days.
travel
Poste Vivere Protetti Viaggi – Domestic Travel Insurance
Modular travel insurance for domestic trips within Italy, San Marino and Vatican City covering medical expenses, roadside assistance, and optional cancellation and baggage coverage up to 100 days.
health
Poste Vivere Protetti – Health and Accident Line (Persona)
Modular accident and health coverage including daily allowance, surgical intervention benefits, and medical expense reimbursement, valid worldwide for both work and leisure activities.
health
Malattia Grave Più – Critical Illness Cover
Critical illness cover exclusively for Poste Vita investment product subscribers up to age 69, providing a lump sum payment upon first diagnosis of serious illnesses such as stroke, cancer, or motor neurone disease.
pet
Poste Vivere Protetti – Pet Insurance (Domestic Animals Line)
Insurance covering damages caused by pets to third parties and reimbursement of veterinary expenses in the event of accident or illness of dogs and cats.
liability
Poste Vivere Protetti – Civil Liability and Cyber Risk
Civil liability coverage protecting the policyholder and family against damages caused to third parties, including risks associated with online browsing and cyber incidents.
other
Poste Lavorare Protetti – Modular Business Protection Policy
Modular insurance policy by Poste Assicura for businesses and professionals (up to 10 employees) covering natural events and fire, catastrophe, theft and robbery, electrical phenomena, digital protection (cyber attack), and civil liability with legal protection.
motor
Poste Guidare Sicuri – Motor Third Party Liability Insurance
Mandatory motor third-party liability insurance distributed by Poste Insurance Broker (a subsidiary of Poste Assicura) through Poste Italiane, underwritten by Linear Assicurazioni or Genertel, with open-driver formula and optional add-on covers including theft, fire, kasko and legal protection.
Regulatory updates
Poste Vita S.p.A. is registered in the IVASS register of insurance undertakings (section I, no. 1.00133) and is subject to ongoing IVASS supervision. In November 2025 IVASS imposed a sanction of €167,940 on Poste Vita. The Insurance Arbitrator (Arbitro Assicurativo) became operative on 15 January 2026, introducing a new out-of-court dispute resolution system for insurance consumers; IVASS Order 163/2025 updated precontractual documentation obligations accordingly. In December 2025 Poste Vita obtained ISO 14001:2015 Environmental Management System certification, adding to its existing ISO 9001 and ISO 37001 certifications. The Solvency and Financial Condition Report for the group as at 31 December 2024 was published in April 2025. IVASS also updated supervisory fee rates for 2026 (4.40% of premiums collected) and issued proposals in June 2026 to amend Regulation 36/2017 for cat-nat and medical liability surveys.
Reputation and reviews
Review count updated to 155 as of July 2026; score of 1.4 is consistent with the overwhelmingly negative reviews observed but was not displayed as a numeric figure in the current search snippets — it is carried forward from prior verified data as the tone and volume of 1-star reviews has not changed materially.