# Direkte Leben

Direkte Leben is an Insurance based in Stuttgart, Germany.

## Overview

- **Organization type:** Insurance
- **Headquarters:** Stuttgart, Germany
- **Region:** Europe
- **Founded:** 2018
- **Assets under management:** 712 (Altss estimate)
- **Website:** https://direkte.live/
- **LinkedIn:** https://www.linkedin.com/company/direkte-live

## Regulatory record

- **Reports private funds:** No

## About

Direkte Leben was established as a life insurer in Germany. Dr. Guido Bader serves as chairman. The firm maintains a 100 percent ownership link to Stuttgarter Versicherung Holding AG. Its portfolio consists of a mortgage and land charge book focused on commercial loans in Germany, direct commercial real estate holdings, and technical provisions valued at 594.2 million EUR. The insurer joined the UN Principles for Responsible Investment in 2023 and applies ESG criteria to asset selection. It also participates in BiPRO e.V., the German insurance standardization body. The firm lists PwC as auditor since 2023 and USU Digital Consulting for IT architecture since 2012. No additional offices or headcount figures appear in available records. No operational events from the last 24 months are documented. Direkte Leben functions strictly as an insurance balance-sheet manager rather than an external asset manager or family office. Its investment activity remains confined to assets that support policyholder liabilities within the Stuttgarter group structure.

## Sectors

- Real Estate

## People

- Dr. Guido Bader — Chairman of the Board
- Ralf Berndt — Board member responsible for sales and marketing
- Frank Karsten — Former Chairman of the Board

## Questions

### Who runs investment decisions at Direkte Leben?

Dr. Guido Bader serves as chairman of the board. Ralf Berndt oversees sales and marketing on the board.

### What assets back Direkte Leben policies?

The cover pool includes a mortgage and land charge portfolio of commercial loans in Germany plus direct commercial real estate holdings.

### How is Direkte Leben related to Stuttgarter Versicherungsgruppe?

Direkte Leben operates as a 100 percent subsidiary of Stuttgarter Versicherung Holding AG.

### Does Direkte Leben follow responsible investment standards?

The firm became a UN PRI signatory in 2023 and integrates ESG criteria into investment selection.

## Related profiles

- [Assurant Insurance Group](https://altss.com/profile/assurant-insurance-group)
- [Granite Group Advisors](https://altss.com/profile/granite-group-advisors-llc)

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/direkte-leben

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