Pomegra
Stockholm's Solace Care, which covers 25,000 lives across Scandinavia with its end-of-life planning platform, closes a €2.1M pre-seed led by Spintop Ventures targeting the Netherlands and UK.
- Spintop Ventures led the round; Plug and Play Insurtech and Wave Ventures also participated alongside Nordic insurance executives.
- The platform is sold exclusively through life insurers and brokers and covers 25,000 lives across Sweden, Finland and Norway.
- Fresh capital targets market entry in the Netherlands and UK, with additional hires in product and commercial operations.
Lead
Solace Care, a Stockholm-based startup that digitizes legacy planning and post-death administration, closed a €2.1 million pre-seed round in August 2026, led by Spintop Ventures. Plug and Play Insurtech, Wave Ventures, and a cohort of Nordic insurance executives also participated. Founded in 2025 by former Mindler executives Valtteri Korkiakoski and Josef Karakoca, the company will use the capital to enter the Netherlands and UK and extend its network of insurer and broker distribution partnerships.
What Does Solace Care Actually Do?
The product is not a grief counseling service. It splits into two modules: one for the living, one for the bereaved. Before a death, policyholders can store documents, draft a will, set up a future power of attorney, and share instructions with family members through the platform. After a death, the same system walks families through the administrative process of notifying banks, pension providers, tax authorities, and insurers - tracking what has been done and what remains. AI-driven guidance adapts to individual circumstances, but the core value is procedural: the platform has already mapped the steps, so families do not have to.
The company describes this round as the largest pre-seed to date for a European end-of-life platform. That may be accurate; comparable transactions in the segment are sparse. Valuation was not disclosed.
Why Sell Through Insurers Instead of Directly?
No one searches for end-of-life planning tools on a weekday morning. The direct-to-consumer acquisition problem in death-adjacent tech is well-documented, and Solace Care sidesteps it entirely by selling through life insurance carriers and brokers as an embedded benefit. Policyholders who have already made one mortality-related financial decision get access to the platform as part of their existing product.
The insurer has its own reasons to participate. Bundling a tangible digital service differentiates a commodity product, creates more frequent policyholder touchpoints before a claim is filed, and can reduce administrative friction when a claim does arrive. Spintop Ventures partner Erik Wenngren put the investment case plainly: "Life insurance has been sold on the same promise for decades. Solace Care changes what the product actually delivers to a family, both before and after a loss." For the insurer, that translates into retention and differentiation. For the startup, it means scaling through B2B partnership deals rather than consumer acquisition spend.
The Expansion Case
The Netherlands and UK are the stated next markets, both chosen for their mature life insurance sectors and demographic profiles. The Netherlands already appears in Solace Care's listed operating geography in public disclosures, suggesting at least one distribution relationship predates the formal expansion announcement. The UK entry will be more complex - a different regulatory environment, a distinct broker market structure, and a consumer culture around financial services that differs substantially from Scandinavia.
The €2.1 million will fund partnership development and headcount in product and commercial roles. That is a targeted allocation for a B2B model, where a handful of signed insurer agreements can expand covered lives faster than any consumer campaign.
Outlook
Solace Care has the distribution logic right for this category: the product reaches users through a channel they already trust, at a moment when thinking about what happens after death is already on the table. The open variable is activation. Insurer partnerships deliver access to policyholders, not engagement with the platform - whether carriers actively promote the benefit or let it sit quietly in a policy document determines whether the 25,000 covered-lives figure grows meaningfully in new markets. The next data point worth watching is a named insurer partnership in the Netherlands or UK, which would signal that the distribution model travels beyond Scandinavia.
