vlot is a Zurich based InsurTech that helps families and individuals rapidly and intuitively understand the financial impact of death, disability, and the lack of adequate retirement funds. By aggregating social security benefits, employer benefits as well as relevant personal data, the vlot mobile first and desktop solution transparently displays a potential household income and savings gap. In collaboration with (re-)insurers, pension funds and banks, vlot's API based architecture allows for seamless integration of white label product offerings as well as underwriting engines for smooth end-to-end digital processes. The vlot multi-channel approach offers a variety of formats: whether from straight through D2C, to using a vlot mobile application as an auxiliary tool for physical advisory, or in a worksite context ranging from SMEs to large corporates and pension funds or even in a bancassurance and mortgage advisory context.