What nærpension does

nærpension forsikringsformidling A/S is a Danish insurance and pension intermediary (forsikringsformidling) that distributes products exclusively through a B2B2C channel network of Danish financial institutions (pengeinstitut). The company's portfolio comprises three core product lines: Forsikringer (insurance), Opsparing (savings), and Firmapension (corporate pension), with the Firmapension offering supported by a dedicated customer-facing website that partner institutions can direct their business clients to.

The firm's underlying technology is a digital integration platform that handles advisory, sales, and new-agreement workflows in a single flow designed to integrate with partner bank systems. This integration is positioned as the core operational asset, supported by partner-facing login, sales tools, and ongoing partner support, rather than any consumer-facing application or AI layer.

Commercially, nærpension operates a recurring-revenue model on premiums and management of insurance and pension products routed through its partner network. Pricing is not publicly disclosed and is administered at the partner-institution level. The company is privately held as an A/S (public limited company), with no parent, subsidiaries, funding rounds, or disclosed investors in the source material, and no management team, headcount, or revenue figures have been published.

Name

nærpension

Legal name

nærpension forsikringsformidling A/S

Website

https://naerpension.dk

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

nærpension forsikringsformidling A/S is a Danish B2B2C insurance and pension intermediary that distributes Forsikringer, Opsparing, and Firmapension products exclusively through a network of partner financial institutions, supported by a digital integration platform.

Ownership category

akta.pro rank

Product category

Insurance and Pension Intermediary Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Insurance distribution
• Pension products
• Corporate pensions
• Savings products
• B2B2C insurance

Headquarters

HQ city

Copenhagen

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance and Pension Products: Provides insurance and pension products (forsikringer, opsparing, firmapension) to partner financial institutions for distribution to end customers. Revenue derived from premiums and management of insurance and pension products.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

nærpension is a Danish insurance and pension intermediary that delivers Forsikringer (insurance), Opsparing (savings), and Firmapension (corporate pension) products through a partner network of banks and financial institutions (pengeinstitut). Partners receive sales support, digital workflow tools for advisory and new agreements, and access to 30 years of pension and insurance experience to serve their end customers across all life stages.

Product overview

nærpension is a pension and insurance intermediary offering a portfolio of three core products through a partner network of financial institutions (pengeinstitut). The company provides Forsikringer (insurance), Opsparing (savings), and Firmapension (corporate pension) products, all distributed via partnership with banks and financial institutions. The offering is structured as a B2B2C model where nærpension provides the product infrastructure and support while partners sell to their end customers. Digital integration capabilities support the sales and advisory workflow.

Differentiator

Problem solved

Functional benefit

Products and services

• Forsikringer (Insurance)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Partner Financial Institutions NetworkcoreChannel Partner/ Reseller/ Distributornærpension works with a network of financial institutions (pengeinstitut) as distribution partners. These partner institutions resell nærpension's insurance and pension products to their end customers. The partnership provides partners with access to 30 years of insurance and pension experience, sales support tools, ongoing assistance, and digital integration capabilities. The logo wall on the website indicates multiple active partner institutions.

Scale indicators1 record

Recent moves3 records

Expansion highlights3 records

Direct peers

• Danica Pension: Danish pension provider owned by Danske Bank, distributing pension and insurance products through Danske Bank's retail and corporate channels — a comparable B2B2C bank-distribution model to nærpension.
• PFA Pension: One of Denmark's largest pension and insurance providers, distributing through partner channels including employer and bank relationships. Directly comparable to nærpension as a Danish pension/insurance product manufacturer.
• Sampension: Danish pension provider focused on firmapension and retirement savings, distributed through partner employers and financial channels — directly comparable to nærpension's product and distribution model.
• Lockton Companies: World's largest independent insurance brokerage, working through partner and distribution channels — comparable to nærpension as a specialist intermediary connecting product manufacturers to financial institution distributors.
• Howden Group: Global insurance intermediary whose model of placing specialty and partner-distributed products parallels nærpension's intermediary/wholesale positioning.
• AP Pension: Danish pension and insurance company offering products across life stages, comparable to nærpension's pension and insurance portfolio.

Regional players

• Codan: Danish insurance carrier offering life, health, and pension products in the same market as nærpension, often through bank partners — a regional incumbent competing for the same shelf space.
• Alm. Brand: Danish insurance and pension group with bank distribution heritage (Bankernes EDB Central). Comparable to nærpension as a Danish insurance/pension product provider serving bank channels.

Broad incumbents

• Aon: Global professional services firm with a major insurance brokerage and advisory practice, representing the broad incumbent competitive landscape in which nærpension's specialized intermediary model operates.
• Marsh McLennan: Global insurance brokerage and advisory firm with broad insurance distribution capabilities, representing the broader incumbent competitive set for a specialized intermediary like nærpension.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 nærpension