Lararforsakringar

What Lararforsakringar does

Lärarförsäkringar (formally Svenska Lärarförsäkringar AB) is a Swedish insurance intermediary founded in 1998 and wholly owned by Sveriges Lärare, Sweden's largest teachers' union. The company does not underwrite insurance itself; instead it negotiates and administers group insurance policies on behalf of union members — covering home, life, health, accident, income protection, pregnancy, pet, senior, and student risks — through partnerships with carriers including Folksam, Bliwa, and Sveland Djurförsäkringar. It also distributes Lärarfonder, a family of three low-fee pension funds managed by Lannebo, and provides free certified pension advisory services to members via phone and Microsoft Teams. The captive customer base consists of members of Sveriges Lärare and Sveriges Skolledare (school leaders), who are automatically enrolled in basic insurance coverage upon union registration and may opt in to additional coverage through the digital Mina sidor member portal, which uses BankID for secure login.

The underlying platform is digital-first but not technically differentiated: the company operates a member portal, partner integrations with FirstVet (digital veterinary clinic), Falck (Hälstöd digital health support added June 2025), Capio (health examinations), and Microsoft Teams (remote pension counseling), plus SPAR for population data and Minpension.se for pension aggregation. No proprietary AI, ML, or claims-automation technology is disclosed. Headcount sits at 11–50 employees, consistent with an intermediary model that outsources underwriting, claims processing, and asset management to specialist partners. The company is headquartered at Linnégatan 10, Stockholm.

The business model rests on three fee streams: (1) insurance administration fees from carriers — typically SEK 12–360 per policy annually or SEK 46–425 one-time per origination; (2) pension fund management and advisory fees from Folksam and Futur Pension, including SEK 300 per service event, capital fees, and trail commissions on Lärarfonder holdings; and (3) free pension advisory embedded as a member-service benefit. Pricing for individual products is tiered (Bas/Mellan/Stor) and age-dependent, with most core income protection bundled into the union membership fee at zero marginal cost. The go-to-market is sales-led but anchored in the union relationship: digital self-service, certified advisors, and customer service phone (0771-21 09 09). Distribution is exclusively domestic (Sweden) and limited to union members, creating high revenue predictability but limited addressable-market expansion absent union growth.

Name

Lararforsakringar

Legal name

Svenska Lärarförsäkringar AB

Website

https://lararforsakringar.se

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Lärarförsäkringar is a Swedish insurance intermediary founded in 1998 and wholly owned by Sveriges Lärare, administering group insurance and pension products for members of Sveriges Lärare and Sveriges Skolledare through carrier partnerships with Folksam, Bliwa, and Sveland.

Ownership category

akta.pro rank

Product category

Insurance Intermediary Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

akta.pro secondary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Group insurance services
• Insurance intermediary
• Pension advisory services
• Personal insurance products
• Membership insurance plans

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance administration fees: Lärarförsäkringar acts as an intermediary between union members and insurance providers. The organization earns administration fees from insurance providers for managing the group insurance policies. For most policies (e.g., life insurance, accident insurance), the organization sets premiums to cover costs. For some policies, it receives a per-policy annual fee from the insurer (12–360 SEK per policy), and for others, it receives a one-time fee per policy originated (46–425 SEK).
2. Pension fund management and advisory fees: Lärarförsäkringar earns fees from Folksam and Futur Pension for managing pension savings on behalf of members, including service fees when members choose Lärarfonder for their occupational pension (300 SEK per service event), capital fees on pension capital, and trail commissions on fund holdings.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Lärarförsäkringar is an insurance intermediary that negotiates and administers group insurance policies and pension savings products exclusively for members of the Swedish teacher unions Sveriges Lärare and Sveriges Skolledare. The offering spans personal insurance lines (life, health, accident, income protection, home, children's, pregnancy, pet, musical instrument, car, and property insurance) plus pension advisory services and the Lärarfonder fund family. All sales and service are delivered digitally through the Mina sidor portal (BankID login) or via certified pension advisors, with policies underwritten by Folksam, Bliwa, and Sveland Djurförsäkringar.

Product overview

Lärarförsäkringar is a membership-based insurance service provider for teachers and school leaders in Sweden, owned by Sveriges Lärare. The company acts as an intermediary, not an insurance company itself, negotiating competitive insurance products with third-party providers including Folksam, Bliwa, and Sveland Djurförsäkringar. The product portfolio spans personal insurance (hemförsäkring, barnförsäkring, livförsäkring), health insurance (sjukförsäkring, sjukvårdsförsäkring), income protection (inkomstförsäkring), accident insurance (olycksfallsförsäkring), special policies (gravidförsäkring, studentförsäkring, ungdomspaket, musikinstrumentförsäkring), property insurance (villaförsäkring, fritidshusförsäkring, hemförsäkring), pet insurance (hundförsäkring, kattförsäkring, smådjursförsäkring), and senior-specific products (olycksfallsförsäkring Senior, sjukvård vid olycksfall Senior, SeniorLiv, SparLiv Senior, livförsäkring Senior, diagnosförsäkring Senior). The company also offers pension counseling services and manages Lärarfonder, a suite of three pension investment funds.

Differentiator

Problem solved

Functional benefit

Brands

• Lärarfonder: A family of three pension funds (Lärarfond Offensiv, Lärarfond Balanserad, and Lärarfond Försiktig) started in 1999 for teachers' pension savings with low fees and sustainable management.

Products and services

• Income Protection Insurance (Inkomstförsäkring)
• Health Insurance (Sjukförsäkring)
• Medical Treatment Insurance (Sjukvårdsförsäkring)
• Life Insurance (Livförsäkring)
• Home Insurance (Hemförsäkring)
• Children's Insurance (Barnförsäkring)
• Accident Insurance Leisure (Olycksfallsförsäkring fritid)
• Pregnancy Insurance (Gravidförsäkring)
• Student Insurance (Studentförsäkring Leva & Bo)
• Young Adult Package (Ungdomspaket)
• Musical Instrument Insurance (Musikinstrumentförsäkring)
• House Insurance (Villaförsäkring)
• Holiday Home Insurance (Fritidshusförsäkring)
• Car Insurance (Bilförsäkring)
• Dog Insurance (Hundförsäkring)
• Cat Insurance (Kattförsäkring)
• Small Animal Insurance (Smådjursförsäkring)
• Senior Insurance Products (Seniorpaket)
• Pension Counseling (Pensionsrådgivning)
• Lärarfonder (Teacher Funds)

Quantifiable outcome

• Income Protection Insurance provides up to 80% of salary (up to 100,000 SEK/month) for up to 150 days of unemployment, complementing A-kassa.
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• LannebocoreStrategic or Co-development Partner · 1 January 1999Lannebo manages the three Lärarfonder (Lärarfond Offensiv, Lärarfond Balanserad, Lärarfond Försiktig) — the teacher pension funds created by the unions. These are unique funds with low fees (0.15–0.17%) available exclusively to union members.
• FolksamcoreStrategic or Co-development Partner · 1 January 1998Folksam is the primary insurance provider for most of Lärarförsäkringar's member policies including life, accident, home, villa, and health insurance. Lärarförsäkringar acts as an intermediary, administering policies on behalf of Folksam for the union's members. The partnership covers the largest share of member insurance products.
• BliwacoreStrategic or Co-development PartnerBliwa provides income protection insurance, health insurance (sjukvårdsförsäkring), and medical treatment insurance for accident seniors. From January 1, 2026, Bliwa becomes the insurer for income protection insurance (previously with Folksam). Bliwa also handles the Vårdplanering (care planning) service for health insurance claims.
• Sveland DjurförsäkringarcoreStrategic or Co-development PartnerSveland Djurförsäkringar is the insurance provider for all pet insurance products offered by Lärarförsäkringar, including dog, cat, and small animal insurance. They also provide the Sveland Vårdguide service for veterinary advice.
• Futur PensioncoreStrategic or Co-development PartnerFutur Pension is the insurer for capital insurance products for personal savings in Lärarfonder. Lärarförsäkringar recommends Futur Pension's capital insurance with fund savings for members who want to start their own pension savings.
• Sveriges Lärare and Sveriges Skolledare (unions)coreStrategic or Co-development PartnerLärarförsäkringar is owned by and operates as part of the member service for Sveriges Lärare and Sveriges Skolledare. The unions delegate the task of providing group insurance and pension services to Lärarförsäkringar for their members.
• Stance Juristbyrå / Juristjouren / Familjens JuristminorImplementation/ SI/ Consulting PartnerLegal advisory partners recommended by Lärarförsäkringar for members needing family legal advice or legal support related to home insurance coverage.
• Pensionsvalet / Valcentralen (pension choice portals)minorChannel Partner/ Reseller/ DistributorPension choice portals used by members to select Lärarfonder for their occupational pension. Members use these portals to make fund selections and transfer pension capital.
• Folksam (additional: health insurance and Hälsostöd)minorStrategic or Co-development PartnerFolksam also partners with Falck for the Hälsostöd health support service included in health insurance. Falck delivers the digital counseling, health testing, and rehabilitation guidance services under this partnership.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Söderberg & Partners: Major Swedish financial group providing insurance brokerage, corporate benefits, and wealth advisory to individuals and companies. Comparable as a Swedish insurance intermediary with similar advisory-led, multi-carrier distribution model.
• Sveland Djurförsäkringar: Swedish pet insurance specialist providing dog, cat, and small animal insurance. Direct partner to Lärarförsäkringar and a structural comparable in niche pet insurance underwriting and distribution.
• Bliwa: Swedish insurance company specializing in health, accident, and income protection insurance, often sold through affinity channels and partner brokers. Direct partner to Lärarförsäkringar from 2026 for income protection and a structural comparable in narrow-mandate insurance.
• KPA Pension: Swedish union-affiliated pension and insurance provider jointly owned by Folksam and trade unions (notably Unionen). It brokers life, health, and occupational pensions to members of Swedish white-collar unions, structurally analogous to Lärarförsäkringar's model with Sveriges Lärare.

Broad incumbents

• Trygg-Hansa: One of Sweden's largest non-life insurers, offering home, car, accident, and pet insurance directly to consumers. Competes for the same household insurance wallet of teacher union members.
• Folksam: Sweden's largest mutual insurer, owned by customers and trade unions, providing insurance and pension products across the Swedish market. Lärarförsäkringar's primary insurance partner and the broader market analogue serving union-affiliated groups at scale.
• If Skadeförsäkring: One of the leading Nordic property and casualty insurers under Sampo Group, offering home, motor, accident, and health insurance with strong digital distribution in Sweden. Competes head-on with the home and accident products brokered by Lärarförsäkringar.

Others

• Lannebo Fonder: Swedish asset manager that manages the Lärarfonder range on behalf of the teacher union's members. Functions as an enabling service provider rather than a competitor, given its exclusive mandate.
• Compricer: Swedish online insurance comparison and brokerage service that helps consumers compare home, car, life, and personal insurance from multiple carriers. Indirect competitive pressure on Lärarförsäkringar's intermediation value proposition as digital comparison adoption rises.

Emerging players

• Sacra (Swedish insurance broker collective): Swedish insurance broker serving member-based organizations and unions. Comparable niche model as a union/affinity-group insurance intermediary, though smaller and less established.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/lararforsakring

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Lararforsakringar