About us

Futur Pension is a Swedish life insurer operating like a fintech with a capital-light and self-financing business model. We are focusing on providing exclusively unit-linked life insurance policies and pensions to private and corporate clients.

Embracing change, and with a customer centric attitude, our systems are an extension of our thinking. As the cost and service leader in Sweden, Futur Pension excels with its fully digitalized client interaction on our cloud-based IT infrastructure. The cost ratio outperforms the whole Swedish life insurance market, and the unreachable competitive advantage expands every year by default.

The platform framework is built on latest Microsoft technology and the Angular platform for building mobile and desktop web applications, developed by Google. It gives us world class speed and performance. The scalability permits us to grow and extend our offering or handle new demands from our customers rapidly. When combined with a domain-driven and sometimes event-driven architecture we can instantly trace and react to any changes made within our systems.

It is important for us to be independent. We have no funds of our own and are not tied to any fund managers. The selection of funds offered, is made in consultation with independent valuation institutions. Our primary focus is on creating insurance solutions that appeal to our customers, and create a positive experience, now and in the future.

Fulfilling our vision is not just about a fair, ethical and respectful approach. It is just as much a responsibility. A responsibility for what we create today should live up to these expectations in 10, 20 or 30 years. In order for this to happen, it takes honesty, transparency and a long-term commitment.

We are convinced that the better information we provide to our customers about how their investments will affect the environment, social matters and corporate governance, the better investment decisions they will make. Working actively for this objective along with our partners is the most significant way for us to support a sustainable development. By doing so, we can contribute to a sustainable development with our assets under management of 100 billion SEK.

Setting an example

We follow our own values and ambitions in order to create a better customer experience, which includes our product offers and attitudes, an environmentally and financially sound society, and a company with high aspirations when it comes to work environment, equality, diversity and caring for our climate.

With our new owners, we now have the opportunity to create an ambitious and positive plan to continue advancing our work dedicated to sustainability. Our approach is simple: what we like – we give emphasis to. What we can effect for the better, we will. What we do not like and cannot effect, we dismiss. All in order to create a positive experience, now and in the future. For our customers, for our colleagues and for the society we live in.

Futur Pension (formerly known as Danica Pension) has been carrying out successful capital and pension business with distribution through independent intermediaries, Danske Bank and private banks/depository institutions, for over 20 years.

Futur Pension carries out direct life insurance business in the form of unit-linked insurance, and also portfolio bonds within the framework of traditional life insurance without guarantee. Both forms of insurance let the policyholder bear the investment risk. Futur Pension offers no guarantees regarding return on capital.

The basis of the business model consists of the insurance company charging fees on the assets under management and occasionally on premiums. The fees must then cover stock commissions and premium commissions to distributors and advisors as well as own operating costs. This indicates that the size of the assets under management is a key factor to be considered when assessing the company.

Key indicators

To be able to carry out an overall assessment of the company's size, potential and efficiency, a combination of key indicators such as the size of assets under management (earnings) with premium income (potential), administration costs (efficiency) and number of employees (efficiency) provides a satisfactory picture. The Solvency Capital Requirement is a measurement calculated in accordance with the solvency regulations. The measurement shows the ratio between, on the one hand, the risks associated with the company's commitment and, on the other, the size of the company's own funds to cover those risks.