Propensione.it

Propensione S.p.A. is an online insurance brokerage firm that operates as a specialized consultant in the Italian supplementary pension sector. Established in July 2016 with operations beginning in March 2018, the company is strategically headquartered in Trieste, a recognized hub for the insurance and actuarial science industries. The founding team includes individuals with extensive careers in finance and insurance, such as Raffaele Agrusti, a former CFO of Rai with high-level roles at Generali Group, and Giancarlo Scotti, previously the CEO of Generali Real Estate. Their collective experience in established financial institutions underpins the company's approach.

The company's business model is centered on providing personalized, digital-first advisory services to individuals seeking to navigate Italy's supplementary pension landscape. Propensione.it addresses the growing need for private pension plans to supplement public social security, a critical issue for the future financial stability of many Italians. Revenue is generated through brokerage fees from the pension and insurance products subscribed to via its platform. The company partners with major financial and insurance entities like GamaLife, Arca Fondi SGR, and Helvetia to offer a range of products. In December 2021, Vittoria Assicurazioni acquired a significant stake of 11.32% in the company, underscoring its market position.

Propensione.it's core offering is a proprietary platform featuring an exclusive algorithm that analyzes a user's personal and professional profile to identify their 'pension gap'. This algorithm compares various pension products, suggesting the most suitable investment sector and ranking the available funds. This data-driven process, termed the "Propensione method," guides clients through a six-step journey, from initial analysis to the online subscription of a chosen plan, simplifying what is often a complex decision. The platform also serves as an educational resource, with a magazine and guides to help users understand the evolving pension system. By combining technological tools with the availability of qualified human consultants, Propensione.it aims to demystify pension planning for a broader audience.

Keywords: previdenza integrativa, fondi pensione, consulenza pensionistica, Insurtech, brokerage assicurativo, pensione complementare, calcolo pensione, piano pensionistico, sistema pensionistico italiano, previdenza online, Raffaele Agrusti, Giancarlo Scotti, Trieste, investimento previdenziale, piattaforma digitale, algoritmo proprietario, consulenza finanziaria, risparmio previdenziale, IVASS, RUI