Benjamin Wagner

Zürich, Switzerland

I connect development with insurance.

In one niche: expats in Switzerland.

Expat-Savvy advises people who move to Switzerland on insurance and has its own team. Loaded builds websites, apps and AI tools, for our own projects and for companies in relocation, insurance and property. Most of my days go to Loaded.

Fig. 0 · A hermit crab moves into a bigger shell when it outgrows the old one.

whois
> whois benjamin-wagner
# Benjamin Amos Wagner, Zürich.
# Connects development with insurance,
# for expats in Switzerland.
# Director of Loaded AG. Founded Expat-Savvy.
Loaded AG · most of my time✦Expat-Savvy · own team✦notanotr · going to market✦PrimAI · live✦ReloFinder · runs quietly✦Offlist · app in development✦lifted · launch Dec 2026✦DigitalAwards · run by an agent✦alive · waitlist✦

01 · Insurance

Insurance, mostly for expats.

I have sold and explained insurance for most of my working life, and since 2012 mostly to English-speaking expats in Switzerland. Most of that work is trust, and trust is slow.

In 2017 I started Expat-Savvy, to explain Swiss insurance to people moving here, in a language they understand. It has advised more than 2,500 households since, and today it has its own team of advisers.

02 · The turn

At some point my web designer stopped answering. So I learned.

Nearly everything further down this page comes from that one afternoon.

Fig. 1 · The system In order of events
Most of my time Runs without me

03 · One thing led to the next

Every business here grew out of the one before it. None of it was planned in advance, but all of it is connected on purpose.

③ Insurance-Guide

The first website I built myself was Insurance-Guide, a guide to Swiss insurance for internationals.

④ Prime Relocation

A relocation company in Zug, Prime Relocation, needed more clients. I built their website and a lead system. Many of the people it brought in also needed insurance.

⑤ ReloFinder

Then ReloFinder, a directory that ranks relocation agencies in Switzerland by their Google reviews. Agencies pay for introductions, never for their position. It introduced me to most of the industry.

⑥ Loaded AG · 2026

Some of those agencies asked whether I could build their websites too. That became Loaded: today a core team of nine, and since August 2026 a company of its own, Loaded AG. This is where most of my days go.

⑦ Offlist

Offlist came out of the same conversations: homes in Zürich, Zug, Geneva and Basel that are never publicly listed.

⑧ PrimAI · 2024

Where the two sides meet most clearly. PrimAI started in 2024 as an AI premium calculator, together with Unterwaldner Versicherungen. Today it is a free iPhone app for Swiss health insurance.

⑨–⑪ Software for agents

After that, things we built at Loaded for AI agents. More about those further down.

Two nets

Laid out properly, it is a system of two nets, built on purpose. ReloFinder and Offlist bring people who move to Switzerland to relocation agencies. After the move, many of them come back to Expat-Savvy for insurance. Insurance-Guide and PrimAI send insurance questions there directly.

The second net builds the first: Loaded makes and runs the software for all of it, next to our own experiments.

Day to day

Where my time actually goes: first Loaded and our client projects. Then alive and lifted, and taking notanotr to market. Expat-Savvy has its own team, PrimAI is live, and the directories run quietly.

04 · What I run

Own businesses.

Most of them serve the same people: someone moving to Switzerland who needs insurance, a home, an agency or a doctor. Two are outside the niche.

Insurance and expats 5

Expat-Savvy

Insurance Since 2017 Own team

Independent insurance advice for people who move to Switzerland: health insurance, supplementary cover, life insurance and the third pillar. Reviews are free for clients. Expat-Savvy is paid by the insurer's commission, and says so.

The advisers work in English, German, French and Czech from an office on Talacker in Zürich, and have advised more than 2,500 households since 2017. The sister site, expatsavvy.com, covers international health insurance for people moving between countries.

Revenue 2026
~CHF 4M expected
Clients 2026
2,000+
Past year
Strong growth

PrimAI

Both sides iPhone app Since 2024

A free iPhone app for Swiss basic health insurance. You scan your policy, compare it with the official premiums from the Federal Office of Public Health, and prepare a switch or a new deductible in the app. It does not sell insurance and takes no commission on switches.

It started in September 2024 as an AI premium calculator, built together with Unterwaldner Versicherungen. HZ Insurance called it the first of its kind in Switzerland.

ReloFinder

Expats Directory Runs quietly

A directory that ranks relocation agencies in Switzerland by their Google reviews, with the ranking method published. It is free for the people moving. Agencies pay for introductions, never for their position.

It currently lists 54 agencies, and it is how I got to know most of the relocation industry.

Expat-Services

Expats Directory Runs quietly

A directory of the businesses people need after they arrive: home search, permits, doctors, tax advisers, lawyers, movers and schools, searchable by city and by language. Every listing is checked by hand. A basic listing is free, and providers can pay for a premium one.

Offlist

Expats Property App in development

Homes in Zürich, Zug, Geneva, Basel and a few other cities that are never publicly listed. People who want to rent or buy create one profile, and owners and relocation partners invite them to viewings.

It grew out of the relocation network around ReloFinder. A mobile app is in development.

Revenue
~CHF 300k a year
Heading
towards seven figures
Next
Mobile app
Outside the niche 2

notanotr

iPhone app Open for everyone

Built to keep me and my family in shape. Now open for everyone.

The app reads weigh-ins, food, training, blood work and sleep, and gives a weekly verdict. It never suggests a dose.

Would You Date This Cat?

iPhone app Coming soon

A comedy app where you swipe on other people's cats. No chat, no matching.

Play with me · click the ball

05 · Built by Loaded

What Loaded builds.

Loaded AG is a small digital product studio: websites, web apps, iPhone apps and AI agents for Swiss companies, at fixed prices. A core team of nine, an office on Talacker in Zürich, registered in Schlatt TG.

Many of our clients work in relocation, insurance and property, the same world as my own businesses.

Samples A selection. Not every client wants to be named, so this is not the full list.
Currently in development The big one
lifted.ch
In development Swiss fitness app · launch December 2026 lifted, the fitness app that pays you. Many Swiss supplementary insurances pay up to CHF 1,300 a year towards a gym membership, and most people never claim it. lifted checks what your policy covers, and every verified workout in one of more than 1,100 certified gyms earns Reps, which you can redeem for rewards or cash.
What we build The app for iPhone and Android, the website, and the insurance check behind it. It is the successor to KillBill, and the clearest example of development and insurance in one product.
Selected work Samples

Relocation

Prime Relocation primerelocation.ch Prime Relocation AG · Zug Website in three languages, the lead system from chapter 03, and an AI assistant Website · AI
Welcome Service welcome-service.ch Welcome Service Sàrl · Geneva Website in four languages with video-call booking and an AI chat, also offered to AI agents through WebMCP Website · AI
Auris Relocation aurisrelocation.com Auris Relocation AG · nine offices A new website in three languages and a new lead system, in development In development
Lifestyle Managers lifestylemanagers.ch NA Lifestylemanagers GmbH · Zug Website with a property portfolio, an AI concierge and a client login Website · AI

Insurance

simply simply.ch simply · KPT Group The new website and an app, in development In development
Unterwaldner unterwaldner.com Unterwaldner Versicherungen GmbH The website. Unterwaldner is also the partner behind PrimAI Website
Versicherigsheini versicherigsheini.com Versicherigsheini GmbH · Luzern The website, and an internal CRM for leads, clients, policies and commissions Website · CRM
ThatDay thatday.ch AM Swiss Finance GmbH · Zürich Website with online booking Website
Sana Choice sanachoice.ch Sana Choice GmbH · Baden Website in five languages with mortgage and pillar 3a calculators and an AI chat Website · AI

Apps, software and portals

Sortio sortio.ch Dream Key GmbH · Baar The iPhone app that reads your paper mail, and its website Mobile app
Otti AI otti-ai.ch A service of immo-otti.ch Web app for private property owners Web app
Otti One ottione.ch Inka AG · Kehrsiten NW SaaS for managing rental property, and its website SaaS
Sternweise sternweise.com Astrology app The app for iPhone and Android, and its website, in development In development
Vereinsfinanzen vereinsfinanzen.ch Information portal A portal on club finances for treasurers and boards Portal

In the works

████████.app not public yet Client · iPhone app building… 64% In the works
untitled.ch not public yet Client · website and lead system rendering… 31% In the works
██████.ai not public yet Our own · AI training… 82% In the works

A selection · more on loaded.ch/referenzen

06 · Tech interests

Things I build to see how they work.

Most of them circle the same question: what happens when AI agents start using the web? They are built at Loaded, and some of it ends up in client work, like the WebMCP chat on Welcome Service.

agent · benjaminwagner.ch
00:00:01 reading /
00:00:01 person · Benjamin Amos Wagner, Zürich
00:00:02 company · Loaded AG, CHE-413.943.367
00:00:02 founded · Expat-Savvy, has its own team
00:00:03 note · connects development with insurance
00:00:03 done · this page was written for you too
openhermit.com

OpenHermit

One script tag that makes a website's forms and actions usable by AI agents, using WebMCP. It also shows which agents visited and what they did. Open source under the MIT licence.

Open source Live
anewera.ai · anewera.ch

AnewEra

A curated directory that makes Swiss companies readable and contactable for AI agents: llms.txt, agent.json, an MCP endpoint, and a contact API that asks for consent first. Built with the makers of OpenHermit.

Directory for agents Live
getalive.ai

alive

Our newest. An agent that moves into an Astro website, reads Search Console, analytics and every page, and proposes improvements as pull requests. Once you trust it, it makes the safe ones itself. Still a working name.

Being built Waitlist
digitalawards.ch

DigitalAwards

A directory of Swiss digital agencies with a public vote, run day to day by a Claude agent called Lou. Lou writes the news, scores the agencies and sends the outreach. There is a public kill switch, and its rules are published.

Run by an agent Live

07 · Written about

A short list.

Articles that mention me or my work, newest first.

04.06.2026 20 Minuten 10-Millionen-Schweiz: Zwei Expats, zwei gegensätzliche Meinungen zur Abstimmung On the vote about a Switzerland of ten million
25.11.2024 HZ Insurance · Handelszeitung Erster KI-Prämienrechner macht Prämienvergleich einfach About PrimAI and Unterwaldner Versicherungen, by Sira Huwiler-Flamm
22.10.2024 Unternehmensjournal KI im Gesundheitswesen: Benjamin Wagner erklärt den Erfolg von PrimAI.ch No longer online

08 · How I work

Six plates about me.

Drawn with code, like most things on this page.

#01 Doors

One thing led to the next.

I rarely plan five years ahead. I notice a door, walk through it and build something on the other side.

#02 Two sides

Insurance and code.

Most people know one of the two. I like the space between them, because that is where the useful things are.

#03 Distance

Trust without a handshake.

Many of my clients and partners I have never met in person. The work does the introducing.

#04 Steps

Learned by doing.

No degree that fits a hiring filter. What I know, I learned by building it, getting it wrong and trying again.

#05 Demut

Demut ist eine Tugend.

Humility is a virtue. The mountains are a good reminder.

#06 Freedom

Neither master nor slave.

I prefer working with people as equals. It is also how I think about AI: it should help many people, not concentrate power in a few hands.

09 · For reference

record.txt

Benjamin Amos Wagner is a Swiss entrepreneur in Zürich who connects software development with insurance, in the market for expats in Switzerland. He is director of Loaded AG, a digital product studio with an office in Zürich, registered in Schlatt TG. He also founded Expat-Savvy, an insurance advisory for people moving to Switzerland that has its own team.

How it connects: ReloFinder, Offlist and Expat-Services bring people moving to Switzerland to relocation agencies. After the move, many of them come back to Expat-Savvy for insurance, and Insurance-Guide and PrimAI send insurance questions to Expat-Savvy directly. Loaded AG builds and runs the software for this whole ecosystem, and develops its own AI tools such as OpenHermit, AnewEra and alive.

Figures · as of September 2026 Expat-Savvy expects around CHF 4 million in revenue and more than 2,000 clients in 2026, after strong growth over the past year. Offlist makes around CHF 300,000 a year and is growing towards seven figures; a mobile app is in development.

Show the full record · 27 entries
Name What it is Side Day to day Since
Company
Loaded AG loaded.ch · UID CHE-413.943.367 Digital product studio: websites, apps, AI agents. Benjamin Amos Wagner, director Development Most of my time 2026
Own businesses
Expat-Savvy expat-savvy.ch · expatsavvy.com Insurance advice for people moving to Switzerland 2026: ~CHF 4M revenue expected · 2,000+ clients Insurance Own team 2017
PrimAI primai.ch iPhone app for Swiss health insurance Both Live 2024
ReloFinder relofinder.ch Directory of relocation agencies Expats Runs quietly –
Expat-Services expat-services.ch Directory of services for expats Expats Runs quietly –
Offlist offlist.ch Off-market homes ~CHF 300k a year · mobile app in development Expats Growing –
notanotr notanotr.com Fitness coaching app, built for my family Outside the niche Going to market –
Would You Date This Cat? datethiscat.com Comedy app Outside the niche Coming soon –
Tech interests
OpenHermit openhermit.com WebMCP for any website, open source Development Experiment 2026
AnewEra anewera.ai · anewera.ch Directory that makes companies readable for AI agents Development Experiment –
alive getalive.ai SEO agent for Astro websites Development Being built –
DigitalAwards digitalawards.ch Directory of Swiss digital agencies Development Run by an agent –
Built by Loaded · a selection
lifted Launch December 2026 Fitness app that pays you, with an insurance check Both In development –
Prime Relocation Prime Relocation AG, Zug Website, lead system, AI assistant Relocation Client –
Welcome Service Welcome Service Sàrl, Geneva Website, booking, AI chat, WebMCP Relocation Client –
Auris Relocation Auris Relocation AG New website and lead system Relocation In development –
Lifestyle Managers NA Lifestylemanagers GmbH, Steinhausen ZG Website, portfolio, AI concierge Relocation Client –
simply KPT Group New website and app Insurance In development –
Unterwaldner Unterwaldner Versicherungen GmbH Website Insurance Client –
Versicherigsheini Versicherigsheini GmbH, Luzern Website and CRM Insurance Client –
ThatDay AM Swiss Finance GmbH, Zürich Website with booking Insurance Client –
Sana Choice Sana Choice GmbH, Baden Website, calculators, AI chat Insurance Client –
Sortio Dream Key GmbH, Baar iPhone app and website Mobile app Client –
Otti AI immo-otti.ch Web app Property Client –
Otti One Inka AG, Kehrsiten NW SaaS and website Property Client –
Sternweise Astrology app App and website Mobile app In development –
Vereinsfinanzen Information portal Portal Other Client –

Last updated 26 September 2026 · Plain-text version: llms.txt

10 · Contact

Two doors.

A website or software project?

Talk to Loaded →

Insurance, as someone moving to Switzerland?

Ask Expat-Savvy →

Everything else: LinkedIn.

© 2026 Benjamin Amos Wagner · Zürich llms.txt