Allmänna Änke- och Pupillkassan i Sverige
Allmänna Änke- och Pupillkassan i Sverige (Änkan) is a Stockholm-based Swedish mutual life insurer founded in 1740, serving surviving spouses, orphans, and family members of policyholders with guaranteed life and funeral insurance and an återbäring surplus-refund mechanism.
- Company typePrivate
- Founded1740
- HeadquartersStockholm, Sweden
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Allmänna Änke- och Pupillkassan i Sverige does
Allmänna Änke- och Pupillkassan i Sverige ("Änkan") is a Swedish mutual life insurance company founded in 1740 and headquartered in Stockholm, making it among the world's longest continuously operating life insurers. It serves a narrow customer base — primarily surviving spouses, orphans (pupiller), and family members of policyholders — through guaranteed life insurance contracts. As a customer-owned mutual, it has no external shareholders; surplus is returned to policyholders through an återbäring (co-ownership/surplus refund) mechanism rather than distributed as profit.
The product portfolio centers on life insurance with both lump-sum and monthly payout options, augmented by a newly launched funeral insurance product in 2025. The company runs on a modernized digital IT platform deployed since 2023 to replace legacy infrastructure. Credited returns averaged 11.5% for 2025, with 8% applied from January 2026, and advisory engagement reached a record 150+ calls in 2025.
The business model is built on long-duration insurance contracts and capital-market investment of premium reserves. Revenue derives from premiums and investment income on the policy reserve portfolio; surplus is recycled to policyholders via återbäring. The organization is small — approximately 10 employees — and operates exclusively in the Swedish market, with a stated strategic objective to double new life insurance subscriptions over a five-year horizon.
Allmänna Änke- och Pupillkassan i Sverige firmographics
Firmographics- Name
- Allmänna Änke- och Pupillkassan i Sverige
- Legal name
- Allmänna Änke- och Pupillkassan i Sverige
- Website
- https://ankepupillkassan.se
- Company type
- Private
- Founded year
- 1740
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Allmänna Änke- och Pupillkassan i Sverige (Änkan) is a Stockholm-based Swedish mutual life insurer founded in 1740, serving surviving spouses, orphans, and family members of policyholders with guaranteed life and funeral insurance and an återbäring surplus-refund mechanism.
- Ownership category
- akta.pro rank
Allmänna Änke- och Pupillkassan i Sverige industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Insurance Carriers (5241)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Universal Life (UL) Insurance (FSAIABAB)
- akta.pro secondary industry
- Simplified Issue Whole Life / UL Insurance (FSAIABAH)
Keywords
Where Allmänna Änke- och Pupillkassan i Sverige is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Allmänna Änke- och Pupillkassan i Sverige business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Life Insurance Premiums: Recurring premium payments from life insurance policies, with options for single lump-sum payments or monthly payment structures. Premiums are guaranteed and can decrease but never increase over the insurance period.
- Återbäring (Customer Refunds): Unique to Änkan - as a customer-owned company, profits are returned to customers as 'återbäring'. Customers who survive their insurance period can receive money back. This creates a loyalty mechanism where customers benefit from company success.
- Funeral Insurance: New product launched in 2025 providing funeral insurance that covers costs for burial arrangements, allowing family members to focus on memories rather than expenses.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Life insurance with monthly payment option |
| Subscription | Annual | Life insurance with single lump-sum payment option |
| Subscription | Monthly | Funeral insurance |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Allmänna Änke- och Pupillkassan i Sverige product offering
Product offeringCore offering
Allmänna Änke- och Pupillkassan i Sverige is a Swedish customer-owned (kundägt) mutual life insurance company, founded in 1740, that provides survivor protection insurance to individuals and families. The company offers life insurance products with either lump-sum or monthly payouts, plus a newly introduced funeral insurance (2025), and returns surplus as återbäring (refunds) to policyholders.
Product overview
Allmänna Änke- och Pupillkassan i Sverige operates as a customer-owned life insurance company offering two main life insurance products: Livförsäkring med engångsutbetalning (lump-sum payment) and Livförsäkring med månadsutbetalning (monthly payment). The company launched Begravningsförsäkring (burial insurance) as a new product in 2025. A key differentiator is the Återbäring (refund) feature, where customers become co-owners and can receive returns if the company performs well. The company also runs Frukostklubben, a customer engagement program, as a supplementary offering.
Differentiator
Problem solved
Functional benefit
Products and services
- Livförsäkring med engångsutbetalning (Life Insurance with Lump-Sum Payment) A life insurance policy targeted at individuals and families that pays out a single lump sum to designated beneficiaries upon the insured's death, used for survivor protection and financial security.
- Livförsäkring med månadsutbetalning (Life Insurance with Monthly Payment) A life insurance policy targeted at individuals and families that pays a recurring monthly amount to designated beneficiaries over a defined period after the insured's death.
- Begravningsförsäkring (Funeral Insurance) A specialized insurance product covering funeral and end-of-life expenses, targeted at individuals and families wanting to pre-fund burial costs.
Quantifiable outcome
- 11.5% average return rate for customers in 2025
- +2 more outcomes
Companies that use Allmänna Änke- och Pupillkassan i Sverige
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Allmänna Änke- och Pupillkassan i Sverige technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Allmänna Änke- och Pupillkassan i Sverige partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights4 records
Allmänna Änke- och Pupillkassan i Sverige competitors and assessment
Company assessmentDirect peers
- Länsförsäkringar Liv: Länsförsäkringar's life insurance arm offers life cover and survivor protection products across Sweden through a regional mutual network. Comparable to Änkan in product (life/survivor insurance), mutual-style ownership, and Swedish domestic-only distribution.
- Skandia: Skandia is a Swedish mutual-style life insurance company offering life insurance, savings, and pension products. It is a direct peer because both are Sweden-based life insurers operating with mutual-like structures and competing for the same individual Swedish family segment on life insurance and long-term savings.
- Folksam (Folksam ömsesidig): Folksam is Sweden's largest mutual/customer-owned insurance company, offering life, health, and property insurance. It is the most direct comparable to Änkan because both operate as Swedish kundägda (customer-owned) insurers underwriting life risk, making the mutual/co-owner model with profit-sharing (similar to återbäring) a structural parallel.
Emerging players
- MySafety Försäkringar: MySafety is a Swedish direct-to-consumer insurance provider offering life and personal insurance online. Comparable to Änkan in digital self-service distribution approach for life and family protection products in Sweden, though broader in product scope and newer to the market.
- Movestic Livförsäkring: Movestic is a smaller Swedish life insurance company focused on individual life and pension products. Compares to Änkan as a niche, smaller-scale Swedish life insurer competing on tailored individual coverage rather than scale, with an overlapping target segment of Swedish families seeking life cover.
- Nordnet Livforsikring: Nordnet Liv is the life insurance arm of the Nordnet brokerage, offering digital-first, low-cost life and pension insurance to Swedish retail customers. Comparable to Änkan as a Sweden-based life insurer pursuing digital self-service distribution with a lean operating model, though broader in scope (pensions/savings) and younger.
Broad incumbents
- SPP (Sweden): SPP is a Swedish life and pension insurance provider owned by Storebrand, offering life insurance and pension savings products. Comparable as a Sweden-domiciled direct life carrier in the same regulatory environment and serving overlapping individual customer segments.
- SEB Trygg Liv: SEB Trygg Liv, operated through SEB's pension and insurance arm, provides life insurance and endowment savings products to Swedish consumers. It is a broad incumbent offering similar life products but as part of a much larger banking group with broader financial services focus, making it a scaled competitor for the same individual Swedish life insurance buyer.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
Allmänna Änke- och Pupillkassan i Sverige social profiles
Digital presenceAllmänna Änke- och Pupillkassan i Sverige compliance and trust
Trust signalCompliance1 record
Allmänna Änke- och Pupillkassan i Sverige financial estimates
Financial estimateRevenue estimate
Valuation estimate
Allmänna Änke- och Pupillkassan i Sverige leadership team
Management profileNumber of profiles
Profiles3 records
Allmänna Änke- och Pupillkassan i Sverige funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Allmänna Änke- och Pupillkassan i Sverige M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Allmänna Änke- och Pupillkassan i Sverige
What does Allmänna Änke- och Pupillkassan i Sverige do?
Allmänna Änke- och Pupillkassan i Sverige is a Swedish customer-owned (kundägt) mutual life insurance company, founded in 1740, that provides survivor protection insurance to individuals and families. The company offers life insurance products with either lump-sum or monthly payouts, plus a newly introduced funeral insurance (2025), and returns surplus as återbäring (refunds) to policyholders.
Is Allmänna Änke- och Pupillkassan i Sverige a public or private company?
Allmänna Änke- och Pupillkassan i Sverige is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Allmänna Änke- och Pupillkassan i Sverige founded?
Allmänna Änke- och Pupillkassan i Sverige was founded in 1740. It employs 1 to 10 people.
Where is Allmänna Änke- och Pupillkassan i Sverige based?
Allmänna Änke- och Pupillkassan i Sverige is headquartered in Stockholm, Sweden, in the Europe region.
How does Allmänna Änke- och Pupillkassan i Sverige make money?
Three revenue lines are on record. Life Insurance Premiums are the primary driver. The others are Återbäring (Customer Refunds) and funeral Insurance.
Who are Allmänna Änke- och Pupillkassan i Sverige's main competitors?
Direct peers on record are Länsförsäkringar Liv, Skandia and Folksam (Folksam ömsesidig). Emerging players are MySafety Försäkringar, Movestic Livförsäkring and Nordnet Livforsikring. Broad incumbents are SPP (Sweden) and SEB Trygg Liv.
Does Allmänna Änke- och Pupillkassan i Sverige have an API?
No public API is recorded for Allmänna Änke- och Pupillkassan i Sverige.
What industry is Allmänna Änke- och Pupillkassan i Sverige in?
Allmänna Änke- och Pupillkassan i Sverige's product category is Life Insurance. Its primary akta.pro industry code is FSAIABAB, Universal Life (UL) Insurance, with a secondary code of FSAIABAH, Simplified Issue Whole Life / UL Insurance. Its NAICS code is 524113 and its SIC code is 6311.