LF Jämtland

What LF Jämtland does

LF Jämtland is a regional mutual insurance and banking company founded in 1848 and headquartered in Östersund, Sweden, operating as one of 23 regional members of the Länsförsäkringsgruppen cooperative network. The company serves private individuals (primary segment) and small-to-medium businesses and agricultural enterprises (secondary segment) in Jämtland and Härjedalen counties, with customers bound to the regional entity by permanent address. It offers an integrated suite of financial products spanning home, villa, car, personal, and child insurance; mortgages, car loans, and personal loans; savings accounts, investment funds, ISK accounts, and pension products; payment cards integrated with the Swish mobile payment network; and real estate brokerage services. Distribution combines physical branch offices ("Våra kontor") with digital channels including an online banking portal (secure login at secure246.lansforsakringar.se), mobile services, online damage reporting, and roadside assistance ordering both in Sweden and abroad.

Revenue is generated across three streams: recurring insurance premiums on home/villa/car/personal/child policies; transactional banking revenue from interest-earning mortgage, car, and personal lending, plus fees on funds, ISK, pension, and card products; and commission-based revenue from real estate brokerage. The go-to-market is direct-to-consumer and local-relationship-driven, reinforced by a mutual ownership model that retains profits within the county and a multi-product bundling discount ("Samla mer och få rabatt") that encourages customers to consolidate insurance, banking, savings, and brokerage with LF Jämtland. Pricing is quote-based and not publicly disclosed, requiring authenticated login or direct contact.

The technology stack is not publicly detailed beyond integration with the national Swish payment system and a shared online banking platform under the Länsförsäkringsgruppen brand. The company operates ~80 employees, has no public ticker, and does not disclose revenue. No AI/ML capabilities, patents, certifications, or third-party technology partnerships are evidenced in the available data. Underlying technical infrastructure (underwriting engines, core banking systems, claims platforms) is implied to be group-shared via the Länsförsäkringsgruppen cooperative rather than independently developed.

Name

LF Jämtland

Legal name

Länsförsäkringar Jämtland

Website

https://lfz.se

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

LF Jämtland is a Swedish regional mutual insurance and banking company founded in 1848, serving private individuals and SMBs in Jämtland and Härjedalen counties with integrated insurance, lending, savings, payments, and real estate brokerage as a Länsförsäkringsgruppen affiliate.

Ownership category

akta.pro rank

Headquarters

HQ city

Östersund

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums: LF Jämtland generates revenue through various insurance products including home insurance, villa insurance, car insurance, and personal insurance policies. Premiums are collected from private individuals and businesses.
2. Banking services: Revenue generated from mortgage loans (bolån), car loans (billån), personal loans (privatlån), savings accounts (sparkonton), funds (fonder), investment savings accounts (ISK), and pension products. Interest income from lending activities and fees from investment/pension services.
3. Real estate brokerage: Property brokerage services (fastighetsförmedling) providing commission-based revenue from property transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

LF Jämtland provides integrated insurance and banking services to private individuals and businesses in the Jämtland and Härjedalen counties of Sweden. Its offerings span home, villa, car, personal, and child insurance; mortgages, car loans, and personal loans; savings accounts, investment funds, ISK accounts, and pension savings; payment cards and Swish integration; and real estate brokerage services.

Product overview

LF Jämtland is a regional insurance and banking company operating as part of the Länsförsäkringsgruppen network in Sweden. The company offers an integrated financial services platform combining insurance (hemförsäkring, villaförsäkring, bilförsäkring, personförsäkringar, barnförsäkring), banking products (bolån, billån, privatlån, sparkonton, fonder, ISK, pensionssparande), payment services (kort & betalningar, Swish), and real estate brokerage (fastighetsförmedling). The portfolio is designed for Swedish consumers seeking to consolidate their financial services, with bundled offerings and discounts available for customers who combine multiple products.

Differentiator

Problem solved

Functional benefit

Products and services

• Hemförsäkring (Home Insurance) Home insurance covering the customer's residence and personal belongings against damages, theft, and liability, for private individuals.
• Villaförsäkring (Villa Insurance) Specialized insurance for houses and villas, covering building structures, personal property, and liability risks, for private homeowners.
• Bilförsäkring (Car Insurance) Vehicle insurance from basic third-party to comprehensive coverage, with included roadside assistance and towing for customers with at least half-coverage, available in Sweden and abroad.
• Personförsäkringar (Personal Insurance) Personal insurance products covering life, health, accident, and income protection for individuals and families.
• Barnförsäkring (Child Insurance) Insurance for children offering coverage plus an 800 kr starting capital incentive for the child's savings account.
• Bolån (Mortgage) Mortgage loans for purchasing homes, with competitive rates and terms for LF Jämtland customers.
• Billån (Car Loan) Financing solutions for purchasing vehicles, integrated with car insurance offerings.
• Privatlån (Personal Loan) Unsecured personal loans for various purposes including debt consolidation, home improvements, or major purchases.
• Sparkonton (Savings Accounts) Interest-bearing savings accounts for customers to deposit and grow their money securely.
• Fonder (Funds) Investment fund products allowing customers to diversify their portfolio across various asset classes.
• ISK (Investment Savings Account) Tax-advantaged investment savings account (Investeringssparkonto) for Swedish investors.
• Pensionssparande (Pension Savings) Long-term pension savings products to help customers build retirement funds.
• Fastighetsförmedling (Real Estate Brokerage) Real estate brokerage services to help customers buy and sell properties.
• Kort & Betalningar (Cards & Payments) Banking cards and payment solutions including credit/debit cards and payment processing services with Swish mobile payment integration.

Quantifiable outcome

• 58 savings tips provided to customers

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• LänsförsäkringsgruppencoreStrategic or Co-development PartnerLF Jämtland is part of the Länsförsäkringsgruppen (Länsförsäkringar Group), a national network of 23 regional insurance companies in Sweden. The group provides shared resources, technology platforms, brand identity, and product development while each regional company maintains local autonomy and serves customers in their respective counties.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Länsförsäkringar Västerbotten: Northern Sweden sister affiliate (Umeå-based) of Länsförsäkringsgruppen. Comparable rural/regional Swedish market dynamics and mutual insurance/banking model.
• Länsförsäkringar Stockholm: Sister regional company in Länsförsäkringsgruppen serving Stockholm county with the same integrated insurance + banking + real estate brokerage model. Most direct comparable by structure, product mix, and mutual ownership model.
• Länsförsäkringar Skåne: Another Länsförsäkringsgruppen affiliate serving Skåne county under the identical mutual cooperative structure. Highly comparable in product breadth and customer segments (private + business + agriculture).

Broad incumbents

• Swedbank: Major Swedish retail bank with a strong regional-branch franchise and broad mortgage/savings/pension offerings. Comparable in retail banking services and local-branch distribution model, though at national scale.
• Skandia: Swedish mutual financial services provider offering insurance, banking, and pension products nationally. Comparable on mutual structure and life/pension/savings focus, but at national scale.
• Folksam: Large Swedish mutual insurer offering life, property, and casualty insurance nationally. Comparable on mutual/cooperative ownership and broad personal-lines product suite, but operates at national scale rather than regionally.
• If Skadeförsäkring: Leading Nordic P&C insurer (part of Sampo Group) offering home, car, and business insurance across Sweden. Comparable product mix in personal and commercial lines, but operates nationally with significantly larger scale.

Regional players

• ICA Banken: Swedish retail bank tied to the ICA grocery ecosystem, offering savings, loans, cards, and insurance with strong regional presence. Comparable as a Swedish retail-focused bank with bundled consumer offerings, though it competes nationally rather than within Jämtland alone.

Others

• Länsförsäkringar Bank (Group-level): Group-level banking and shared-services entity that provides technology, branding, and product infrastructure to all 23 Länsförsäkringsgruppen regional companies including LF Jämtland. Effectively an enabling/infrastructure peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lf-jamtland

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 LF Jämtland