About Quantum Leben

As a life insurer, Quantum Leben is licensed to operate in the areas of life, income, sickness, accident, disability, affinities and Unit Linked. In cooperation with outsourcing partners throughout Europe, insurance solutions for companies, consumers and groups or affinities are offered.

Quantum Leben was founded in 2004 in Vaduz, Liechtenstein, with a focus on Unit Linked insurance. Life insurance, individual disability insurance and mortgage protection insurance were launched in 2009 in the Netherlands. As of 2020, the product range has expanded significantly throughout Europe.

Quantum Leben is an independent stand-alone insurer, 100% privately owned. Employees are experienced professionals within the Insurance Industry with additional techincal support coming from young professionals from local universities. Quantum Leben is based in Vaduz. Colleagues work from Vaduz, the Netherlands or from their home areas. This makes the team rich and diverse, which directly contributes to Quantum Leben's dynamic and customer-oriented approach.

The organisation excels due to its flexibility and the ability to respond quickly to the needs of its partners. Short decision lines, in-house expertise, external consultancy and advanced underwriting and claims technologies enable Quantum Leben to offer efficient and effective services. Both for customised solutions and standard products.

Core values

Innovative
Creative
Flexible
Pragmatic

Stability

Quantum Leben ensures financial stability through strict risk management, prudent investments and, of course, compliance with strict regulations. The result is a solvency ratio of 179.3% at the end of 2023 and a strong financial basis for meeting obligations to policyholders.

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Sustainability

Quantum Leben actively integrates ESG considerations into business operations to combat climate change, take social responsibility, and support economic prosperity, with the goal of sustainable value creation and positive social impact.

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Distribution model

Quantum Leben operates across Europe through cooperation with various outsourcing partners. Matters such as sales and distribution for Quantum Leben insurance products, policy administration. premium collection and claims handling, are largely outsourced to these partners within the guidelines. They all have their own distribution network and sell exclusively through one or a limited number of intermediaries, or have an entire network of hundreds to thousands of intermediaries or brokers. This allows Quantum Leben to keep its own organisation as lean and efficient as possible.

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