Insurer profile
iptiQ Life S.A. (primary Luxembourg life entity); iptiQ EMEA P&C S.A. (Luxembourg non-life entity, merged into Allianz Direct)
iptiQ is a digital B2B2C insurance company powered by Swiss Re. It offers straightforward life, health, and non-life insurance products through an advanced end-to-end digital insurance platform, enabling partners to market and sell products under their own brands across Europe and beyond. iptiQ Life S.A. is headquartered in Luxembourg and services all EEA countries via Freedom of Services.
Source- Legal entity
- iptiQ Life S.A. (primary Luxembourg life entity); iptiQ EMEA P&C S.A. (Luxembourg non-life entity, merged into Allianz Direct)
- Headquarters
- Luxembourg City, Luxembourg
- Parent group
- Swiss Re Ltd
- Regulator
- Commissariat Aux Assurances (CAA)
- Phone
- +352 26 12 16 30
- kundenservice_de@iptiq.com
- Last verified
- May 1, 2026
Products from iptiQ Life S.A. (primary Luxembourg life entity); iptiQ EMEA P&C S.A. (Luxembourg non-life entity, merged into Allianz Direct)
life
Term Life Insurance
Provides a lump sum payment to beneficiaries in the event of the policyholder's death during a defined coverage term.
life
Whole of Life Insurance
Provides a fixed lump sum payment in the event of death, with cover lasting for the whole of the customer's life.
life
Critical Illness Insurance
Provides a fixed lump sum payment upon diagnosis of a serious or critical illness such as cancer, heart attack, or stroke during the term of the cover.
life
Disability Insurance
Pays a lump sum or structured payment plan in the case of disability suffered by the policyholder.
life
Mortgage Protection / Decreasing Life Insurance
Provides a decreasing lump sum payment in line with a mortgage balance in the event of death or terminal illness diagnosis during the coverage term.
health
Personal Accident Insurance
Provides a cash lump sum in the event of death or disability resulting from an accident.
property
Home Insurance
Digital home insurance product offered in a B2B2C model via partner brands; previously underwritten by iptiQ EMEA P&C S.A. (Luxembourg), now transitioned to Allianz Direct.
motor
Motor Insurance
Digital motor insurance product offered through partner brands in a B2B2C model; previously underwritten by iptiQ EMEA P&C S.A. (Luxembourg), now transitioned to Allianz Direct.
other
Personal Accident Insurance
Provides a cash lump sum in the event of death or disability as a result of an accident.
Regulatory updates
iptiQ Life S.A. (R.C.S. Luxembourg B184281) is authorised by the Luxembourg Finance Minister to conduct class I, III and IV life insurance business and class 1 and 2 non-life insurance business, supervised by the CAA. iptiQ EMEA P&C S.A. (R.C.S. Luxembourg B228763), the non-life carrier incorporated in 2018, was sold to Allianz Direct and completed a cross-border merger in 2025 — it no longer exists as a separate legal entity. In 2023, iptiQ EMEA P&C reported a solvency ratio of 80%, below the required 100% SCR coverage ratio, though it complied with the Minimum Capital Requirement (MCR) ratio of 179%. AM Best placed iptiQ Life S.A.'s Financial Strength Rating of A+ (Superior) under review with negative implications following Swiss Re's announcement in May 2024 of plans to withdraw from iptiQ.