Avtalat

What Avtalat does

Avtalat is a Swedish non-profit information portal providing free, authoritative guidance on collectively agreed occupational pensions and insurance in Sweden's private sector. It was established jointly by the three principal actors in Swedish collective bargaining — Svenskt Näringsliv (the Confederation of Swedish Enterprise), LO (the Swedish Trade Union Confederation), and PTK (the Council for Negotiation and Cooperation) — and serves nearly 5 million employers and employees covered by collective agreements. The platform operates entirely in Swedish with selected English content, distributing its services through a website (avtalat.se), webinars, downloadable guides, and a digital pension advisory service for white-collar workers (ITP). Phone and email support is offered via a centralized customer service line.

The product portfolio covers the three principal collectively agreed pension schemes — ITP 1 (defined-contribution for white-collar workers born 1979+), ITP 2 (defined-benefit for white-collar workers born 1978–), and Avtalspension SAF-LO (for blue-collar workers) — alongside KTP 2 for cooperative sector employees and a long tail of specialized variants (ITP Sjö, ITP Tele, ITP Bemanning, ITP Tidning, ITP SAS, ITP Vattenfall). Complementary insurance and support products include TFA (occupational injury), AGS (sickness), TGL (life), Föräldrapenningtillägg (parental benefit supplement), Premiebefrielseförsäkring, Efterlevandeskydd (survivor protection), Omställningsstöd (transition support), Flexpension, Deltidspension, and Löneväxling. Avtalat functions as a neutral information layer that directs users to operational partners such as Fora, Collectum, Alecta, Afa Försäkring, Pensionsmyndigheten, Försäkringskassan, Minpension.se, TRR, and Trygghetsfonden TSL.

The business model is non-commercial: Avtalat does not generate revenue from services. All offerings are provided free of charge to end users, with operational funding supplied by its three founding partner organizations. The platform has no disclosed funding rounds, no outside investors, no headcount figures, and no app presence. Its strategic posture is informational and educational rather than transactional, serving as the collective-bargaining system's central knowledge hub for occupational benefits in Sweden.

Name

Avtalat

Legal name

Avtalat

Website

https://avtalat.se

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Avtalat is a Swedish non-profit information portal, established by Svenskt Näringsliv, LO and PTK, that provides free guidance on collectively agreed occupational pensions and insurance to nearly 5 million employers and employees in Sweden's private sector.

Ownership category

akta.pro rank

Product category

Pension and Insurance Information Services

NAICS

Health and Welfare Funds (525120), Other Insurance Funds (525190), Insurance and Employee Benefit Funds (5251)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN), Benefits Administration & Enrollment Support (BPAAAIAB)

Keywords

• Collective agreement pensions
• Occupational pension information
• Collective insurance schemes
• Pension advisory services
• Employer benefits administration

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

Revenue model

1. Information Services (Non-Profit): Avtalat is a non-profit information service established by Swedish employer and employee organizations (Svenskt Näringsliv, LO, and PTK) to provide free information about collectively agreed occupational pensions and insurance. The organization does not generate revenue from services; it is funded by its founding partner organizations to fulfill an informational mission.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Avtalat is a free, non-profit digital information portal operated jointly by Svenskt Näringsliv, LO, and PTK that provides comprehensive guidance on collectively agreed occupational pensions and insurance to nearly 5 million employers and employees in Sweden's private sector. The platform covers ITP 1, ITP 2, Avtalspension SAF-LO, and KTP 2 pension schemes, and collectively agreed insurance products (TFA, AGS, TGL, FPT, etc.), delivering this through a website, webinars, downloadable guides, customer service, and personalized digital pension advisory for white-collar workers.

Product overview

Avtalat is an information and guidance platform providing comprehensive coverage of collectively agreed occupational pensions and insurance in Sweden's private sector. The core product portfolio centers on three main pension schemes: ITP 1 (defined-contribution for white-collar workers born 1979+), ITP 2 (defined-benefit for white-collar workers born 1978-), and Avtalspension SAF-LO (for blue-collar workers), supplemented by KTP 2 for cooperative sector employees. These are complemented by an extensive range of insurance products including TFA (occupational injury), AGS (sickness), TGL (life), parental benefit supplements, and transition support services. Specialized variants address specific industries including ITP Sjö (maritime), ITP Bemanning (staffing), ITP Tele (telecom), ITP Tidning (media), ITP SAS (aviation), and ITP Vattenfall (energy). The platform also offers digital advisory services, webinars, and downloadable informational materials. Avtalat functions as an informational portal—operated by Svenskt Näringsliv, LO, and PTK—serving nearly 5 million employers and employees covered by collective agreements in Sweden's private sector.

Differentiator

Problem solved

Functional benefit

Products and services

• ITP 1 (Individuell Tjänstepension) Occupational pension scheme for white-collar workers born 1979 or later in Sweden's private sector, structured as a defined-contribution plan where employees choose how their premiums are invested.
• ITP 2 (Individuell Tjänstepension) Defined-benefit occupational pension plan for white-collar workers born 1978 or earlier, providing guaranteed pension levels based on salary and service time.
• Avtalspension SAF-LO Occupational pension for blue-collar workers in Sweden's private sector under collective agreements between Svenskt Näringsliv and LO.
• KTP 2 Occupational pension for white-collar workers in the cooperative and civil society sectors managed under the Fremia-PTK agreement.
• Trygghetsförsäkring vid arbetsskada (TFA) Occupational injury insurance providing compensation for work-related injuries or accidents on the way to or from work.
• Avtalsgruppsjukförsäkring (AGS) Collective sickness insurance supplementing public sickness benefit for employees during illness, administered as part of collective agreement benefits.
• Tjänstegrupplivförsäkring (TGL) Collective life insurance providing benefits to beneficiaries upon the death of an employee.
• Omställningsstöd Transition support helping employees find new jobs, start studying, or establish businesses when laid off due to workforce reductions or limited employment.
• Föräldrapenningtillägg (FPT) Supplementary parental benefit providing up to 10% of regular salary in addition to public parental insurance, applicable for up to 180 days depending on employment tenure.
• Digital rådgivning för tjänstemän (Digital pension advisory service) Free digital pension advisory service for white-collar workers providing personalized advice on ITP pension investment and survivor protection choices.
• Webbinarier och filmer (Webinars and informational videos) Webinars and informational videos about occupational pension and insurance topics for employers, employees, and white-collar workers.
• Informationsmaterial (Downloadable guides and handbooks) Downloadable guides, fact sheets, and handbooks about collectively agreed occupational pension and insurance, available in Swedish and English.

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered founding partner and core.

• Svenskt Näringsliv (Confederation of Swedish Enterprise)founding partnerStrategic or Co-development PartnerSvenskt Näringsliv is the main organization for Swedish employers and is one of three founding partners of Avtalat. They collaborate with LO and PTK to provide information about collectively agreed occupational pension and insurance for Sweden's private sector.
• LO (Swedish Trade Union Confederation)founding partnerStrategic or Co-development PartnerLO is the umbrella organization for Swedish trade unions and is one of three founding partners of Avtalat. They work with Svenskt Näringsliv and PTK to provide information about collectively agreed occupational pension and insurance.
• PTK (Council for Negotiation and Cooperation)founding partnerStrategic or Co-development PartnerPTK is the negotiation and cooperation council for Swedish professional and managerial staff and is one of three founding partners of Avtalat. They collaborate with Svenskt Näringsliv and LO to provide information about occupational pension and insurance.
• ForacoreTechnology or IntegrationFora is the selection center and administrator for Avtalspension SAF-LO for blue-collar workers. They handle insurance and pension administration for workers covered by collective agreements.
• CollectumcoreTechnology or IntegrationCollectum is the selection center for ITP (occupational pension for white-collar workers). They administer ITP 1 and ITP 2 pension choices and coordinate with pension companies.
• AlectacoreTechnology or IntegrationAlecta manages and pays ITP 2, which is the standard occupational pension for white-collar workers born in or before 1978. They are the default provider for traditional ITP insurance.
• Afa FörsäkringcoreTechnology or IntegrationAfa Försäkring handles and pays out collectively agreed insurance policies that supplement statutory insurance for illness, work-related injury, work shortage, and death.
• Pensionsmyndigheten (Swedish Pensions Agency)coreTechnology or IntegrationPensionsmyndigheten manages and pays the national public pension from the state. They handle the premium pension (2.5% of salary allocated to individual's own pension savings).
• Försäkringskassan (Social Insurance Agency)coreTechnology or IntegrationFörsäkringskassan decides on and pays benefits included in Swedish social security such as parental benefit and sickness benefit. They interact with collectively agreed insurance schemes.
• Trygghetsfonden TSLcoreTechnology or IntegrationTrygghetsfonden TSL provides transition support for blue-collar workers who are laid off due to work shortage, illness, or end of temporary employment. They offer job search assistance, education, and career support.
• TRR (Trygghetsrådet)coreTechnology or IntegrationTRR provides transition support for white-collar workers who are laid off, helping them find new jobs or education opportunities.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Industriens Pension: Danish pension fund covering industrial workers under collective agreements. Comparable to Avtalat as a Nordic cross-border peer focused on collectively agreed occupational pensions for blue-collar and industrial employees.
• Pension Danmark: Large Danish labor market pension fund for private sector employees under collective agreements. Comparable to Avtalat as a collectively agreed occupational pension destination serving a Nordic cross-border equivalent of the Swedish private sector workforce.

Emerging players

• Smart Pension: UK workplace pension platform combining auto-enrollment administration with member-facing digital tools and education. Comparable to Avtalat as a digital platform providing pension guidance and administration to employers and employees in an occupational pension context.
• NEST (UK): UK workplace pension scheme with strong public-information and digital advisory infrastructure for auto-enrolled members. Comparable to Avtalat as a non-commercial, sector-wide pension information and guidance platform for employees.

Direct peers

• Minpension.se: Independent Swedish pension aggregation website offering a free service to view accumulated pension from state and occupational sources. Directly comparable to Avtalat as a free, authoritative pension information destination for Swedish workers, and an existing Avtalat partner.
• Collectum: Selection center for ITP (occupational pension for white-collar workers) administering ITP 1 and ITP 2 choices. Comparable to Avtalat as an authoritative administrator in the same Swedish collective pension space and existing Avtalat partner.
• Fora: Selection center and administrator for Avtalspension SAF-LO for blue-collar workers under collective agreements. Comparable to Avtalat as a core back-office partner serving the same collectively agreed occupational pension ecosystem, with payroll reporting and insurance administration.

Broad incumbents

• Alecta: Swedish pension insurer managing ITP 2 defined-benefit pensions for white-collar workers born 1978 or earlier. Comparable to Avtalat as a major information source within the same collectively agreed pension ecosystem and an existing Avtalat partner.
• Afa Försäkring: Owns and pays out collectively agreed insurance policies (TFA, AGS, TGL) supplementing statutory insurance for Swedish private sector workers. Comparable to Avtalat as an information provider operating in the same collective agreement insurance space and an existing Avtalat partner.
• Pensionsmyndigheten (Swedish Pensions Agency): Sweden's national public pension agency managing the state pension and premium pension. Comparable to Avtalat in disseminating public-facing pension information to Swedish consumers and is also a partner/adjacent authority.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/avtalat

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 Avtalat