The companies of the W&W Group Financial planning. Diversity. Solidarity.
At W&W Group, it is our mission to help our customers with financial planning. The solutions offered by our companies are as varied as the wishes of our customers.
W&W management holding
Wüstenrot & Württembergische AG is a listed company based in Stuttgart. It sees itself as a strategic management holding company for controlling the interests of the entire W&W Group. The Executive Board acts via the Management Board in close coordination with the three divisions responsible for customer service.Learn more
Housing means Wüstenrot
Our Housing division bundles all offers relating to the topic of housing: whether home loan and savings or construction financing, property development or real estate brokerage, as well as supplementary services from cooperation partners. With Wüstenrot Wohnwelt, we offer a digital platform that covers the entire spectrum.Learn more
The Württembergische – "Ihr Fels in der Brandung" ("Your pillar of strength")
Our Insurance division bundles insurance-related products and services. From property and casualty insurance through life and pension insurance to long-term care and health insurance – the Württembergische has for decades been a reliable partner and hence the "pillar of strength" for its customers. Within the Insurance business segment, Adam Riese is another important part of the W&W Group's sales channel mix. In this young corporate start-up of the W&W Group, insurance is rethought: simple products of high quality, consistently priced according to need and risk.Learn more
Strong partners in the background
We cannot do without these companies. W&W brandpool GmbH bundles the digital activities of the W&W Group and invests in innovative, digital business models. W&W Informatik GmbH forms the invisible, central and digital core of our business activities as a financial services provider. Without Service GmbH, there would be no operations at our locations. And W&W Asset Management GmbH performs a central function in the investment and securities business for the W&W Group.Learn more
Companies of the W&W Group
The W&W Group is a financial services group that originally emerged from the merger of the two long-established companies Wüstenrot and Württembergische. Financial planning represent the essence of the Group's business activities. Two divisions, nine brands and 16 companies are now part of this financial planning group. Together, they help their customers to fulfil their desire for personal development with the greatest possible security – each with their own contribution and all together.
The approximately six million customers of the W&W Group value the service quality, competence and customer proximity of the financial planning specialist, for whom some 13,000 people work. An extensive network of business partners, sales agents as well as brokerage and direct activities enables the W&W Group to reach more than 40 million people in Germany. The W&W Group will continue to focus on growth in future and has already established itself as Baden-Württemberg's largest independent financial service provider with the strongest customer base.
The holding company
Wüstenrot & Württembergische AG
Wüstenrot & Württembergische AG (W&W AG), headquartered in Stuttgart, Germany, is the W&W Group's strategic management holding company. It coordinates all activities, sets standards and manages the capital. As an individual entity, its operations are almost exclusively restricted to reinsuring the Group's insurance policies. It also renders services for the Group in various areas. W&W AG is a public company (Prime Standard).
Companies in the Housing division
The Housing division bundles all offers relating to the topic of housing: whether home loan and savings or construction financing, property development or real estate brokerage, as well as supplementary services from cooperation partners. The customer service activities focus on the fulfilment of all types of housing wishes.
Wüstenrot Bausparkasse AG
Wüstenrot Bausparkasse AG is Germany’s oldest private home loan and savings bank. It emerged from the "Gemeinschaft der Freunde" (Association of Friends), an association founded in 1921 in the village of Wüstenrot near Heilbronn. As the inventor of home loan and savings, it has already enabled millions of people to fulfill their dreams of living in their own four walls. Today, attractive savings rates and loan offers, quick lending decisions, as well as reliable service and competent field sales partners have made Wüstenrot Germany’s second largest private home loan and savings bank. Since 2017, Wüstenrot has also been the first German home loan and savings bank to engage in the active covered bond business. In addition to home loan and savings, construction financing and securities, it also offers savings and investment products.
Wüstenrot Immobilien GmbH
Wüstenrot Immobilien GmbH (WI) was founded in 1991. It is the real estate brokerage company of the Wüstenrot & Württembergische Group. With its brokers, the company is active in the sale, brokerage and commercialisation of real estate. Individual advice, holistic processing and comprehensive experience benefit the customers. In questions of construction financing, insurance and financial investments, the brokers work closely together with the field sales partners of Wüstenrot and Württembergische.
Wüstenrot Haus- und Städtebau GmbH
Wüstenrot Haus- und Städtebau GmbH is a nationwide company specialising in urban development, housing construction and property management. The company emerged from Hausbau Wüstenrot GmbH, founded in 1949, and Wüstenrot Städtebau- und Entwicklungsgesellschaft mbH, founded in 1971. As an experienced property developer, Haus- und Städtebau GmbH's purpose is to create modern, sustainable and liveable living spaces. Comprehensive, value-oriented property management rounds off the offer. In the area of urban development, communal spaces are developed together with cities and municipalities, and urban culture is created with loving attention.
Companies in the Insurance division
The Insurance division bundles insurance-related products and services. From property and casualty insurance through life and pension insurance to long-term care and health insurance – the Württembergische has been a reliable partner for decades and hence the "pillar of strength" for its customers. Within the Insurance business segment, Adam Riese is another important part of the W&W Group's sales channel mix. In this young corporate start-up of the W&W Group, insurance is rethought: simple products of high quality, consistently priced according to need and risk.
Württembergische Versicherung AG
Württembergische Versicherung AG is one of the most long-established insurers in Germany. It was founded in 1828 as the "Württembergische Privat-Feuer-Versicherungs-Gesellschaft", making it the oldest private property insurance company in Southern Germany. Today, the company offers customised property and casualty insurance products. The wide range of products and its efficient general agencies make Württembergische Versicherung one of the largest German property and casualty insurers.
Württembergische Lebensversicherung AG
Württembergische Lebensversicherung AG was founded in 1833 as the "Allgemeine Rentenanstalt zu Stuttgart" and was the first company in Germany to offer pension schemes. It has been operating under its current name and under the Württembergische brand since 1991. Today, the company offers a wide range of products from classic and unit-linked life and pension insurance, Riester and basic pensions, training and occupational disability insurance, company pension schemes and financing. Thanks to this product diversity and the high service quality, the company is one of the largest life insurers in Germany.
Württembergische Krankenversicherung AG
In 1999, Württembergische Krankenversicherung AG in Stuttgart commenced business operations and completed the insurance range of the W&W Group in the Insurance division. The company offers health and long-term care insurance for employees and the self-employed, as well as full and supplementary health insurance, daily hospital allowance insurance, foreign health insurance and optional tariffs for those with statutory health insurance.
ARA Pensionskasse AG
ARA Pensionskasse AG is a subsidiary of Württembergische Lebensversicherung AG. It offers both classic and unit-linked products for the company pension scheme market. ARA has been active as a pension fund in the W&W Group since 2002.
Württembergische Vertriebspartner GmbH
Württembergische Vertriebspartner GmbH has been operating on the broker market on behalf of Württembergische Versicherung since 2007. It offers free and independent brokers a comprehensive product range in the areas of personal and property and casualty insurance as well as interesting bundled products, professional sales support and powerful web portals for online business transactions.
Adam Riese GmbH
Adam Riese is the digital insurance brand of the W&W Group. The company was founded in October 2017 in Stuttgart as a response to changing customer behaviour and the possibilities of digitalisation.
Simple products of high quality, consistently priced according to demand and risk, are aimed at customers who compare prices and products via brokers or even online. What began with private liability insurance as the first product will be consistently supplemented by successive product launches. For example, legal expenses insurance, household contents insurance and commercial liability insurance are now also available.
Service and central functions
Strong partners in the background. Service and central functions - We cannot do without these companies. brandpool GmbH bundles the digital activities of the W&W Group and invests in innovative, digital business models, such as Interaction Solutions GmbH, which supports its customers in the development and optimisation of digital portals and processes. W&W Informatik GmbH forms the invisible, central and digital core of our business activities as a financial services provider. Without Service GmbH, there would be no operations at our locations. And W&W Asset Management GmbH performs a central function in the investment and securities business for the W&W Group.
W&W brandpool GmbH
An independent company, W&W brandpool GmbH, was founded in May 2018 for the third division of the W&W Group. This subsidiary will drive the development of new products and services and coordinate them within the Group. The activities of W&W brandpool are helping to support and drive W&W’s growth course. In addition, they contribute to more diverse customer interfaces, more agility, speed and customer-oriented solutions in the W&W Group.
W&W Interaction Solutions GmbH
As an agile software company, W&W Interaction Solutions GmbH develops and operates customer interaction and data analytics solutions. These include, for example, portals or apps for our partners in the financial services industry.
W&W Informatik GmbH
W&W Informatik GmbH combines the security and power of an almost 300-year-old start-up and gives the scope to live agile ways of working. It is the driver of innovative and digital solutions in the areas of insurance and home savings.
W&W Service GmbH
W&W Service GmbH is the central service provider of the W&W Group. It is responsible for document, data and printing services, purchasing and mobility services, building services as well as event management and Group catering.
W&W Asset Management GmbH
W&W Asset Management GmbH is the centre of competence for asset management within the W&W Group. It is responsible for, manages and bundles the investment and securities area throughout the Group and is thus the central platform for all matters relating to capital investment.