Triglav, pokojninska družba, d.d.

What Triglav, pokojninska družba, d.d. does

Triglav, pokojninska družba, d.d. is a Slovenian joint-stock company specializing in voluntary supplementary pension insurance, founded in 2000 and operating as a wholly-owned subsidiary within the Triglav Group (Skupina Triglav) since 2015. It is the largest specialized provider of supplementary pension insurance in Slovenia with approximately 32% market share. The company manages the Skupina kritnih skladov Skupni pokojninski sklad — a group of cover funds comprising three lifecycle sub-funds (Delniški/Equity for members under 50, Mešani/Mixed for ages 50–60, and Obvezniški/Bond with guaranteed returns 25% above the statutory minimum for ages 60+). Net asset value across the three sub-funds totaled EUR 885.68 million as of June 30, 2026.

The company serves two primary customer segments: individual members purchasing personal supplementary pension coverage directly via online portal, phone, or mail, and employers establishing collective pension plans for employees with co-contributions. Distribution operates through multiple channels including a self-service online enrollment portal (skleni.triglav.si), an employer-facing portal (delodajalci.triglavpokojnine.si), inside sales via phone and email, field sales for enterprise collective plans, and referral through the Zavarovalnica Triglav branch network. Value-add features include tax relief of up to 50% on premiums, free accident insurance for members, access to the Triglav komplet loyalty discount program, and an effective annuity income tax rate of approximately 12.5%.

Revenue is generated through two streams: (1) recurring management fees on the EUR 885.68M AUM base, and (2) recurring premium contributions from members and employers, regulated by Slovenian law with maximum annual premiums of 5.844% of gross salary or EUR 3,224.18 for tax relief purposes. The company employs approximately 27 staff at its Ljubljana headquarters. Strategic positioning leverages the Triglav Group's brand, distribution network, and balance sheet rather than independent market expansion.

Name

Triglav, pokojninska družba, d.d.

Legal name

Triglav, pokojninska družba, d.d.

Website

https://triglavpokojnine.si

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Triglav, pokojninska družba, d.d. is Slovenia's largest specialized voluntary supplementary pension insurance provider (~32% market share), managing EUR 885.68M across three lifecycle sub-funds and serving individual members and employer collective plans through online, field, and Triglav Group branch channels.

Ownership category

akta.pro rank

Product category

Supplementary Pension Insurance

NAICS

Pension Funds (52511), Pension Funds (525110), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Life Insurance (6311), Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Liability-Driven Investment (LDI) & Pension Risk Transfer (PRT) Asset Management (FSAAAGAI)

Keywords

• Supplementary pension insurance
• Pension fund management
• Retirement savings
• Collective pension schemes
• Lifecycle investment funds

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Fund Management Fees: Triglav pokojnine earns management fees on assets under management in the Skupni pokojninski sklad. Total assets under management as of June 2026: EUR 885.68 million across three sub-funds.
2. Premium Contributions: Members and employers pay regular premium contributions to supplementary pension insurance. Premiums are invested in member-selected or age-based lifecycle funds. Maximum annual premium for tax relief: 5.844% of gross salary or EUR 3,224.18.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Triglav, pokojninska družba, d.d. provides voluntary supplementary pension insurance to individuals and employer-sponsored groups in Slovenia, operating a single fund structure (Skupni pokojninski sklad) divided into three life-cycle sub-funds (equity, mixed, and bond) whose asset allocation shifts automatically based on the insured member's age. Members can select their preferred risk profile, switch funds via the i.triglav self-service application, and benefit from tax-advantaged retirement savings. The company holds approximately 32% market share among specialised supplementary pension providers in Slovenia, with annual premium income of around EUR 135 million.

Product overview

Triglav, pokojninska družba, d.d. operates as a specialized supplementary pension insurance company offering a unified core product—voluntary supplementary pension insurance—complemented by three lifecycle investment funds (Equity, Mixed, and Bond Skupni Pokojninski Sklad), online informative calculators for pension planning, and the i.triglav web application for customer self-service. The company serves as the largest specialized supplementary pension provider in Slovenia with approximately 32% market share.

Differentiator

Problem solved

Functional benefit

Products and services

• Dodatno pokojninsko zavarovanje (Supplementary Pension Insurance) Voluntary supplementary pension insurance policy available to individuals and employer-sponsored groups in Slovenia, providing tax-advantaged long-term retirement savings with a life-cycle investment option. Members select a risk profile (equity, mixed, or bond) and the asset allocation shifts automatically with age. Available as individual enrolment via the self-service portal or as collective contracts arranged with employers.

Quantifiable outcome

• Tax relief of up to 50% of premium contributions returned as income tax refund
• +2 more outcomes

Named customers4 records

Segments3 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

Four partnerships are on record, tiered core and major.

• Zavarovalnica Triglav, d.d.coreStrategic or Co-development PartnerZavarovalnica Triglav d.d. is the parent company and main distribution partner. Together with Triglav pokojnine, they manage the Triglavpokojnine brand. Zavarovalnica Triglav provides pension annuity payments, manages Triglav komplet loyalty program, and offers branch network for product distribution.
• Zavarovalnica Triglav, d.d. (Pension Annuity Provider)coreStrategic or Co-development PartnerPension annuities for Triglav pokojnine members are paid by Zavarovalnica Triglav d.d., which offers various annuity products including lifetime annuity, accelerated P30 annuity, and partial accelerated annuity.
• Skupina TriglavcoreStrategic or Co-development PartnerTriglav, pokojninska družba d.d. is a member of Skupina Triglav (Triglav Group). The group includes Zavarovalnica Triglav, Triglav Skladi, Triglav Svetovanje, Triglav Zdravstvena zavarovalnica, Pozavarovalnica Triglav Re, and other subsidiaries. Group companies share data for customer offers and operate under unified sustainability and governance policies.
• Employer Clients (Collective Pension Plans)majorChannel Partner/ Reseller/ DistributorEmployers including major Slovenian companies (Telekom Slovenije, Pivovarna Laško, Nova Ljubljanska banka, IBM, Gorenje, etc.) offer collective supplementary pension insurance to employees through Triglav pokojnine. Employers co-finance premiums and manage enrollment.

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• Prudential plc: UK-listed international life and pensions group focused on Asia and Africa post-demerger. Comparable for retirement-savings product design, lifecycle investment strategies, and emerging-market pension market entry playbooks relevant to Slovenian and CEE expansion.
• Allianz SE: Global insurance and asset-management leader offering life, pension, and unit-linked retirement products across Europe. Comparable as a benchmark for retail pension product design, lifecycle investing, and integration of pension with broader insurance ecosystems.
• Aviva plc: UK-headquartered life, pension, and savings group with a strong focus on workplace pension schemes and guaranteed-return products — directly comparable to Triglav pokojnine's mix of individual and employer-sponsored collective pension offerings.
• AXA SA: French-listed global insurer with a major European life and savings franchise. Relevant peer for cross-channel pension distribution (employer group schemes plus individual savings) and for guaranteed/protected fund product structuring.
• Zavarovalnica Triglav, d.d. Direct parent company and core strategic partner of Triglav pokojnine. Zavarovalnica Triglav is the largest general insurance group in Slovenia and pays the pension annuities on the subject company's members, provides the i.triglav digital platform, and operates the Triglav komplet cross-sell program — making it the closest ecosystem peer.
• NN Group N.V. Dutch-listed insurance and pension powerhouse with strong European life and pension franchises. Comparable as a large-scale, multi-channel pension and asset-management player; useful benchmark for product structure, lifecycle funds, and guaranteed-return product economics.
• Zurich Insurance Group AG: Swiss global insurer with significant European life and pension operations, including unit-linked and group pension schemes. Comparable for asset-management-linked pension products and as a benchmark for capital and reserve management.

Direct peers

• Zavarovalnica Sava, d.d. Second-largest Slovenian insurance group, with life and pension products competing head-to-head against Triglav pokojnine for individual and collective supplementary pension mandates, sharing the same regulatory and tax environment.
• Generali zavarovalnica, d.d. Slovenian arm of Generali Group (acquired Adriatic Slovenica) offering life, pension, and non-life insurance products directly competing for the same Slovenian supplementary pension members and employer collective plans as Triglav pokojnine.

Regional players

• Vienna Insurance Group AG (VIG): Leading Central and Eastern European insurance group with life and pension operations across CEE. Operates through national subsidiaries in Slovenia-adjacent markets and competes indirectly for capital, reinsurance, and product-design benchmarks relevant to Slovenian pension insurers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/triglavpokojninskadruzba

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Triglav, pokojninska družba, d.d.