Movestic Livförsäkring AB

What Movestic Livförsäkring AB does

Movestic Livförsäkring AB is a Swedish life insurance and pension company headquartered in Stockholm, founded in 2000 as Moderna Liv by the Kinnevik group and owned since 2009 by UK-listed Chesnara plc. The company operates a regulated platform-plus-modules architecture centered on occupational pension (tjänstepension) and capital insurance (kapitalförsäkring), supplemented by individual life insurance (livförsäkring), sickness insurance (sjukförsäkring), care/healthcare insurance (vårdförsäkring, launched June 2026 with Qurant), Movestic MåVäl health cover, group insurance (gruppförsäkringar), and premium waiver (premiebefrielse). Salary exchange (löneväxling) is offered both to individuals and as an employer-facing administrative product.

The platform combines a proprietary fund range (Movestic Fonder) with an open-architecture fund marketplace (Fondlista) sourced from Morningstar and screened for ESG/norm compliance by MSCI, and requires all partner fund managers to be UNPRI signatories. Customer-facing digital tools include Pensionslabbet (a retirement scenario simulator launched December 2025), a salary-exchange calculator, a withdrawal planner (Uttagsplaneraren), and the Mina sidor self-service portal with BankID authentication. Movestic holds WCAG 2.2, GDPR, UN Global Compact, PRI, and SFDR Article 8/9 compliance positions, and is regulated under Swedish law (2023:254).

The business model is recurring-revenue: insurance premiums, insurance-wrapper economics on third-party and proprietary funds, and administration fees from employer-side salary exchange schemes. Distribution is hybrid — direct digital self-service, advisor-supported corporate sales, and an intermediary/partner network including SH Pension (traditional insurance distribution) and Duvi (Norwegian risk-insurance). Movestic serves Swedish private individuals and corporate employers, with a stated headcount band of 101–250 and a Stockholm headquarters. The company is currently active, growing capital under management, and executing a multi-front expansion into healthcare insurance, Nordic cross-border risk distribution, and digital self-service tooling.

Name

Movestic Livförsäkring AB

Legal name

Movestic Livförsäkring AB

Website

https://movestic.se

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

Movestic Livförsäkring AB is a Stockholm-based, Chesnara-owned Swedish life insurer offering occupational pensions, capital insurance, and life/sickness/health cover to private individuals and corporate employers via direct digital, advisor, and intermediary channels.

Ownership category

akta.pro rank

Product category

Life Insurance and Pensions

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (52421), Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311), Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Rollover & Distribution Advisory (IRA/401(k) Rollovers) (FSAEABAG)

akta.pro secondary industries

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Liability-Driven Investment (LDI) & Pension Risk Transfer (PRT) Asset Management (FSAAAGAI)

Keywords

• Occupational pension products
• Life insurance services
• Capital insurance wrappers
• Sickness insurance coverage
• Fund platform investing

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Insurance Premiums: Movestic generates revenue through insurance premiums collected from life insurance, sickness insurance, and pension products offered to private individuals and corporate clients.
2. Fund Management Fees: Revenue is generated through fund management fees (fondavgifter) charged by fund management companies whose funds are offered on Movestic's platform. When customers purchase funds through Movestic's capital insurance or pension insurance, they pay management fees to the fund companies. Movestic as the insurance provider earns revenue from the insurance wrapper around these investment products.
3. Salary Exchange (Löneväxling) Administration: Movestic provides salary exchange pension solutions to employers, administering the exchange of gross salary for increased pension contributions. Revenue is generated through administration fees for managing these workplace pension schemes.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Movestic Livförsäkring AB is a Swedish life insurance and pension company that sells occupational pensions, capital insurance, life insurance, sickness insurance, salary exchange schemes, group insurance, and a fund platform to corporate employers and private individuals. Its offerings are complemented by digital retirement planning tools such as Pensionslabbet, Uttagsplaneraren, and Löneväxlingskalkylatorn, distributed directly and through insurance intermediaries and partners.

Product overview

Movestic Livförsäkring AB is a Swedish pension and insurance company offering a platform-plus-modules architecture centered on occupational pension (tjänstepension), capital insurance (kapitalförsäkring), and insurance products. The core product family includes tjänstepension and kapitalförsäkring as the primary savings vehicles, supplemented by a suite of add-on insurance modules: individual life insurance (livförsäkring), sickness insurance (sjukförsäkring), care insurance (vårdförsäkring with Qurant), Movestic MåVäl health insurance, group insurance (gruppförsäkringar), and premium waiver (premiebefrielse). Salary exchange (löneväxling) is offered as both a standalone and employer-facing product. The platform includes digital planning tools: Pensionslabbet (retirement scenario simulator), Löneväxlingskalkylatorn (salary exchange calculator), Uttagsplaneraren (withdrawal planner), and Simulera framtida pension. A proprietary fund range (Movestic Fonder) including Movestic Global Investmentbolag, Movestic Global, Movestic Balanserad, Movestic Offensiv, and Movestic Försiktig A is available alongside an external fund marketplace (Fondlista) powered by Morningstar data. The company distributes directly to individuals and businesses, and via insurance intermediaries and partners including SH Pension, Duvi, and Qurant.

Differentiator

Problem solved

Functional benefit

Products and services

• Tjänstepension (Occupational Pension) Occupational pension product allowing employers to provide pension benefits to employees, with options for flexible withdrawal and investment choices.
• Kapitalförsäkring (Capital Insurance) Capital insurance wrapper for long-term fund-based saving with tax-efficient structure (no capital gains tax, annual yield tax), offering both regular monthly savings and lump-sum investments.
• Livförsäkring (Life Insurance) Individual life insurance providing a tax-free lump sum to beneficiaries upon death. Customers can select their own beneficiary and coverage amount, with policies available until age 65 and coverage until age 90.
• Sjukförsäkring (Sickness Insurance) Individual sickness insurance providing monthly compensation to cover income loss during long-term illness, supplementing public sickness benefit from Försäkringskassan up to 90% of income.
• Löneväxling (Salary Exchange) Salary exchange service enabling employees to exchange a portion of gross salary for increased pension contributions, providing tax advantages for higher earners.
• Löneväxling för företag (Employer Salary Exchange) Employer-facing salary exchange solution with administrative tools, tax deduction guidance, and premium waiver insurance options for sick employees.
• Vårdförsäkring (Care Insurance with Qurant)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Four partnerships are on record, tiered minor and core.

• QurantminorStrategic or Co-development Partner · 16 June 2026Movestic launched a new healthcare insurance product in collaboration with health company Qurant. The insurance combines Movestic's insurance expertise with Qurant's health services capabilities.
• DuviminorStrategic or Co-development Partner · 22 December 2025Movestic entered a partnership with Norwegian pension company Duvi within risk insurance. The collaboration focuses on expanding risk insurance offerings through Duvi's platform and customer base in Norway.
• SH PensionminorChannel Partner/ Reseller/ Distributor · 24 November 2025Movestic initiated a partnership with SH Pension for distribution of traditional insurance products. SH Pension distributes Movestic's traditional insurance through its channel.
• UNPRI (Principles for Responsible Investment)coreStrategic or Co-development PartnerMovestic has committed to following the principles of UNPRI for responsible investment. All fund managers on Movestic's platform must be signed up to PRI.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Alecta: Swedish occupational pension mutual for private-sector white-collar workers, managing large defined-benefit tjänstepension assets; comparable in product type (tjänstepension focus) and Swedish customer base, though primarily DB rather than unit-linked/DC.
• Skandia: One of Sweden's largest life and pension insurers offering tjänstepension, private pension savings, and life/health insurance with both advisor-led and digital channels; directly comparable product portfolio and target customers to Movestic, only at meaningfully larger scale.
• AMF Pension: Swedish pension mutual focused on tjänstepension and private pension savings with strong direct-to-consumer and employer distribution; directly comparable in target customer, product type, and channel mix.
• SPP Pension & Försäkring: Swedish pension and insurance provider owned by Storebrand, offering tjänstepension and fund-linked retirement products; directly comparable unit-linked pension proposition and Swedish employer-channel model.
• SH Pension: Swedish pension provider focused on traditional and unit-linked tjänstepension for corporate clients; comparable product set and target segment, and also a Movestic distribution partner for traditional insurance.
• Folksam Ömsesidig Livförsäkring: Major Swedish mutual insurer offering life, sickness, and pension products to both private individuals and corporate clients; comparable full-stack life and pension offering plus sustainability positioning in the same Swedish market.
• Länsförsäkringar Liv: Swedish life and pension arm of the Länsförsäkringar insurance group, offering tjänstepension, individual life, and group insurance distributed via regional banking-insurance partners; very similar product scope and Swedish customer base.
• Nordnet Livförsäkring: Nordic digital savings and investment platform offering capital insurance (kapitalförsäkring) and pension wrappers alongside fund distribution; analogous digital-first, fund-platform-centric approach to Movestic and a direct competitor for savers.
• Bliwa Livförsäkring: Swedish life and health insurer (also owned by a UK-listed parent) focused on life, sickness, and accident insurance plus a growing occupational pension business; closer mid-size peer in scale and ownership structure than the market giants.

Broad incumbents

• Nordea Livförsäkring: Life and pension arm of Nordea offering tjänstepension and individual pension savings primarily via the bank's own channels; comparable pension offering but distributed through a much larger banking parent rather than standalone.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@movestic
• Facebookfacebook.com/movestic
• LinkedInlinkedin.com/company/movestic
• Xx.com/movestic

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Movestic Livförsäkring AB