Customer Success Stories

A Risk Assessment Platform with Flexible Life Insurance Coverage


Sandro Matter


Innoveo helped us to transfer our startup business idea into a functional platform prototype.

Our Client: vlot

vlot is a B2B2C risk management platform, opening up an agile and integrated world of financial risk analysis, coverage and monitoring. The startup from Switzerland provides an easy-to-use “one-stop-shop” that assesses the full spectrum of state and employer specific social security benefits, then mapping it to life-situation based needs and offering a flexible insurance coverage to close existing gaps.


Innoveo Skye® as a Cheaper and Faster Alternative

In 2017, Sandro and Daniel, vlot founders, had a great business idea to enter the insurtech market but they lacked technical expertise to successfully implement it.

Hiring a team of IT professionals or an IT company would have been too expensive and time consuming, so they were looking for a cheaper and faster alternative.

Having heard of the emerging trend of no-code platforms, vlot founders contacted Innoveo to evaluate Innoveo Skye® as a possible solution. Thanks to the extensive range of capabilities that we presented, such as our easily manageable calculation engine or layout customization, the collaboration has started.

From a Business Idea To a Functional Prototype

With Innoveo’s support, based on the modular configuration, the first vlot functional prototype application was built very soon. The insurance expertise from Innoveo and the team cooperation were highly appreciated.

From Innoveo’s side, a team of 2 business analysts configured the demo vlot application – a platform that assesses the risk coverage of individuals and families with the goal of enhancing coverage in order to close any identified gap.

Initially focusing on biometric risks, vlot provides easy access to a holistic assessment of state and employer related social security benefits. The vlot platform then maps consumer needs to a flexible risk coverage – on day X, but also a lifetime long: constantly capturing relevant life events and instantly transferring those into a meaningful adjustment of a chosen coverage level.

According to our client, one of the main advantages of Innoveo Skye® was the easiness of setting up and adapting the assessment algorithm in a simple Excel. This means that business people who are not trained to develop applications in Skye could also adapt the algorithm anytime and simply upload it to the platform, where the changes are applied immediately.


Innoveo enabled vlot to build a demo prototype solution that was successfully presented
at Digital Insurance Agenda (DIA) in Amsterdam in May 2018