The right insurance
coverage at any given time

Direct pension can be used, among other things, when the entire deduction right for occupational pension insurance is fully used or when you want to create special pension solutions for management or other key personnel. Direct pension is regulated in an agreement between you as the employer and the employee. It is a promise of a pension that is paid out by the company at the agreed retirement age.

As security for the agreement, you as an employer take out company-owned capital insurance with us at the same time. Your company owns the insurance and the employee becomes the mortgagee. The lien serves as security if the company is unable to pay out the pension in the future for financial reasons.

Saving in capital insurance is easy and just like in pension insurance, you don't have to declare changes you make in the portfolio. Here you choose yourself who will be the beneficiary, i.e. it is not limited as in a pension insurance.

There are many risks for the entrepreneur as a private person and for the company's employees that are difficult to predict. At the same time, the financial consequences can be tangible both for family and company if the owner or an employee becomes chronically ill or dies.

The general insurance coverage in Sweden today is not enough and the consequences can be devastating. Therefore, risk insurance is an important supplement to obtain long-term, financial security.

The pension you will receive in the fall of old age is based on several building blocks. Primarily, you receive a general pension ("the orange envelope"). How big this will be depends, among other things, on how long you have worked and how much you earned. Each year, 18.5 percent of your gross salary is paid into your public pension. Of this, 2.5 percent goes to your premium pension (PPM) and here you can decide for yourself how the money should be invested.

Furthermore, you also receive a pension from your employer. This is called occupational pension and it can be contractual or individual. The public pension and occupational pension generally correspond to 50 to 65 percent of your final salary if you retire at 65. If you feel that this is not enough, you can supplement with your own private savings. With us, you can choose between different insurance companies and different types of capital management (fund management or traditional life management).