Dansk Lønsikring

What Dansk Lønsikring does

Dansk Lønsikring is a Denmark-based insurance intermediary (CVR 34723907) that distributes a single product line — salary insurance (Lønsikring) — as an appointed agent for Købstædernes Forsikring, one of Denmark's established insurance carriers. The product supplements Denmark's public unemployment benefit (dagpenge) system, providing up to 80% of gross salary replacement for 6 or 12-month payout windows (up to 36 months total), with a 30-day deductible, a 9-month qualification period, and a 61,500–62,160 DKK/month coverage ceiling. Two variants are offered: one for employed individuals (lønmodtagere) and one for self-employed professionals (selvstændige), with the self-employed variant extending coverage to bankruptcy, forced auction, payment suspension, and illness-driven business closure. Bundled features include premium waiver on the customer's other Købstædernes policies during payout, private outplacement services during notice periods, full tax deductibility of premiums, and free a-kasse selection with no mandatory union membership.

The business operates as a digital-first intermediary: the technology core is a website with an integrated price calculator (inputs: gross salary, payout period, a-kasse selection) and NemID-based digital onboarding, with policy issuance, claims processing, and underwriting fully handled by Købstædernes Forsikring. Go-to-market is direct-to-consumer, combining self-service online quote generation with phone-based inside sales (weekdays 8–16) and email support; no broker or third-party distribution channels are used. Pricing is a low-ticket subscription starting at 50 DKK/month per policy. The company is part of the PensionsSelskabet pension & health care services group (parent holding), was temporarily shuttered during the COVID-19 onset in 2020 when its prior carrier exited, and re-launched in 2023 on the Købstædernes Forsikring partnership with a redesigned, a-kasse-aligned product. Operations are restricted to mainland Denmark (Greenland and the Faroe Islands excluded), and the firm employs 1–10 people at its Copenhagen headquarters (Silkegade 8, 1113 København K).

Name

Dansk Lønsikring

Legal name

Dansk Lønsikring

Website

https://dansk-loensikring.dk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Dansk Lønsikring is a Denmark-based insurance intermediary (CVR 34723907) acting as agent for Købstædernes Forsikring, distributing salary insurance that supplements public dagpenge with up to 80% gross salary replacement for Danish employees and self-employed professionals aged 18–65.

Ownership category

akta.pro rank

Product category

Income Protection Insurance

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Salary insurance
• Income protection
• Unemployment insurance
• Insurance intermediary
• A-kasse supplement

Headquarters

HQ city

Köpenhamn

HQ country

Sweden

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Dansk Lønsikring earns revenue by acting as an insurance agent/broker for Købstædernes Forsikring. They collect monthly premiums from policyholders and earn commissions or fees from the insurance carrier. Premiums are paid monthly and vary based on the insured salary level and selected payout period.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Dansk Lønsikring is a Danish insurance intermediary operating as an agent for Købstædernes Forsikring. It sells salary insurance (Lønsikring) that supplements Denmark's public unemployment insurance (a-kasse/dagpenge) system, covering up to 80% of gross salary for up to 12 months per unemployment episode (36 months total) for both employees and self-employed individuals.

Product overview

Dansk Lønsikring is a salary insurance provider offering a single core product line—Lønsikring—that supplements Denmark's public unemployment insurance (dagpenge) system. The product is available in two variants: one for employees (lønmodtagere) and one for self-employed (selvstændige). The employee version covers job loss due to dismissal or illness with up to 80% salary replacement (up to 61,500 DKK/month) for 6 or 12-month periods, while the self-employed version covers bankruptcy, payment suspension, forced auctions, and illness-related business closure. Both variants include a 9-month qualification period, premium waiver on other Købstædernes Forsikring policies during payouts, private outplacement services, and coverage until age 65. The insurance is underwritten by Købstædernes Forsikring and distributed as a partner of PensionsSelskabet pension & health care services.

Differentiator

Problem solved

Functional benefit

Products and services

• Lønsikring (Salary Insurance) A salary insurance product for Danish employees and self-employed that supplements public unemployment benefits (dagpenge) from a-kasse. Replaces up to 80% of gross salary (up to 61,500-75,000 DKK/month) during unemployment or illness-related work loss. Covers both job loss (dismissal/illness) for employees and bankruptcy/payment suspension/business closure due to illness for self-employed. Premiums start at 50 DKK/month; coverage runs from age 18 to 65 with a 9-month qualification period and 30-day deductible.

Quantifiable outcome

• Up to 80% gross salary replacement during unemployment
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Købstædernes ForsikringcoreStrategic or Co-development PartnerKøbstædernes Forsikring is the primary insurance carrier partner. Dansk Lønsikring acts as an insurance agent/formidler for Købstædernes Forsikring. All policies are underwritten by Købstædernes Forsikring, and customers are insured directly with this company. This is a flagship partnership that was re-established after the previous partner ceased operations during the COVID-19 pandemic.
• PensionsSelskabet pension & health care servicesminorOthersDansk Lønsikring is described as 'en del af' (a part of) PensionsSelskabet pension & health care services. This appears to be a parent company relationship or corporate group affiliation. CVR 34723907.

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Dansk Sundhedssikring: Danish insurance intermediary distributing group health/dental and similar voluntary insurance products to individuals through employer and direct channels. Highly comparable as a domestically-focused, single-niche insurance intermediary in Denmark.

Broad incumbents

• Danica Pension: Danish pension and insurance company offering life, health, and income protection products to private and corporate customers. Comparable through Danish market presence and an overlapping personal-lines insurance portfolio.
• Codan Denmark: One of Denmark's largest non-life insurers (part of RSA/Intact) selling personal and commercial lines including accident, health, and life products. Comparable as a broad incumbent in Danish personal insurance distribution.
• PenSam: Danish pension and insurance company offering income protection, critical illness, and similar products tied to employment status. Comparable as a Danish income/salary-adjacent insurance provider, though it is part of a labour-market pension scheme rather than a pure intermediary.
• Tryg: One of the largest Scandinavian insurance carriers with a strong Danish presence, offering personal accident, health, and life products alongside P&C. Comparable as a Nordic insurance incumbent with overlapping personal-protection product lines.
• If Skadeförsäkring: Major Nordic insurance carrier (part of Sampo Group) with a sizable Danish franchise covering personal accident, health, and life products. Comparable as a Nordic insurance broad incumbent serving the Danish personal-insurance market.
• Alka Forsikring: Danish insurance company offering a wide range of personal and commercial lines, including life/health and accident coverage to individuals. Comparable as a Danish personal-insurance carrier competing for the same household wallet.
• PensionDanmark: Large Danish labour-market pension fund providing group life, disability, and salary-related cover to affiliated employees. Relevant as a benchmark for Danish employer/employee income protection distribution.
• PFA Pension: One of Denmark's largest customer-owned pension and insurance companies, offering group life, disability, and salary-continuation coverage to employed members. Comparable through its offering of income protection products, though it operates at much greater scale and as a carrier, not an intermediary.
• AP Pension: Danish customer-owned pension company offering life and health insurance products, including salary-related coverage. Comparable as an established Danish insurance entity operating in income-adjacent lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/danskloensikring
• LinkedInlinkedin.com/company/danskloensikring

Compliance1 record

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 Dansk Lønsikring