Financial stress is one of the strongest predictors of mental and physical health problems. Many people struggle to maintain control over income, obligations and financial risks. At the same time, financial products and regulations are becoming increasingly complex. Achmea operates across income protection, liability, pensions and asset management. This gives us deep insight into where individuals and organisations face challenges.

We invest in software that makes financial health understandable, predictable and actionable. Solutions that help people make better decisions, understand risks and build long-term resilience. Think of intelligent decision support, transparent dashboards and preventive signals. Not as a replacement for financial institutions, but as a reinforcement of them. Technology that builds trust instead of adding complexity.

Startups focused on financial wellbeing find a powerful ecosystem within Achmea Impact Ventures. Together, we validate solutions against real customer needs. We enable software companies to achieve both impact and scale more quickly.

What we focus on: We invest in digital ventures that help individuals build and maintain financial health — now, later, and in the long term. These solutions are scalable, solve real financial challenges, and often leverage AI to deliver personalized insights, automation, or decision support. We look for ventures with a clear technical advantage that empowers people to take control of their financial future.

What we don’t focus on: We do not invest in insurance or pension products, nor in ventures that rely on traditional financial instruments without a clear innovation angle.