metlife pojistovna a.s.

What metlife pojistovna a.s. does

MetLife pojišťovna a.s. is a Czech life insurance carrier operating as a branch of MetLife Europe d.a.c. (an Irish-domiciled subsidiary of US-listed MetLife, Inc.). Founded in 1992 as PRVNÍ AMERICKO-ČESKÁ POJIŠŤOVNA under the Amcico brand, the company adopted its current name after the 2015 merger with MetLife Europe Limited, having in 2012 acquired Aviva životní pojišťovna (formerly Commercial Union) to consolidate its position in the Czech life insurance market.

The company delivers individual and corporate life, accident, and group insurance products through a modular product suite: OneGuard (risk life cover for up to seven family members from newborns to age 80), OneLife 2.0 (life cover plus supplements for up to six additional adults and children), and Garde 6.0 (premium protection with up to 31 supplementary coverage types). Corporate offerings include group life and accident insurance for employee-benefit programs and 'Pojištění schopnosti splácet' (repayment ability insurance) distributed through banking and leasing partners. Underlying technology consists of an online client zone (mujmetlife.cz) for policy administration, claims reporting, and document access, plus a secure email/SMS-password document-exchange system — a conventional policy-administration architecture rather than an AI-driven platform.

The business model is built on recurring insurance premiums from individuals and groups, supplemented by investment returns on mathematical reserves and B2B2C distribution through named financial-institution partners (Raiffeisenbank, mBank, RCI Financial Services, UniCredit Leasing CZ). GTM is sales-led via a network of professional insurance intermediaries, brokerage firms, and a physical branch network of up to 50 locations across 16 Czech cities; the company holds a top-10 position among Czech life insurers and has been recognized with the Superbrands award five times. The company participates in the Czech Insurance Association (ČAP) self-regulatory 'Forgetting Standard' enabling access to life insurance for cancer survivors after specified cure-free periods.

Name

metlife pojistovna a.s.

Legal name

MetLife Europe d.a.c., pobočka pro Českou republiku

Website

https://metlife.cz

Company type

Private

Founded year

1992

Operating status

Operating

Short description

MetLife pojišťovna a.s. is a Czech life insurance specialist offering modular individual (OneGuard, OneLife 2.0, Garde 6.0) and corporate (group life and accident, loan-protection) products to retail customers and employer groups, distributed through intermediaries, branches in 16 cities, and partner banks.

Ownership category

akta.pro rank

Product category

Life and Accident Insurance

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Basic Group Term Life (Employer-Paid) (FSAIADAA)

akta.pro secondary industry

Group Term Life Insurance (FSAIAAAJ)

Keywords

• Life insurance
• Accident insurance
• Group employee benefits
• Loan protection insurance
• Supplementary insurance coverage

Headquarters

HQ city

Praha

HQ country

Czechia

HQ region

Europe

Offices23 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance Premiums: MetLife collects insurance premiums from individual and corporate policyholders for life, accident, and supplementary insurance coverage. Premiums can be paid monthly, quarterly, semi-annually, or annually.
2. Group Insurance Premiums: Corporate employee benefits insurance including group life and accident coverage, and loan repayment protection insurance distributed through financial institution partnerships.
3. Investment Returns on Mathematical Reserves: Premiums collected are invested in financial markets; mathematical reserves are managed to ensure funds for policy payouts.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

MetLife pojišťovna a.s. underwrites and distributes individual and corporate life and accident insurance. Its consumer portfolio includes OneGuard, OneLife 2.0, and Garde 6.0, while its corporate portfolio includes group life and accident coverage and repayment ability insurance distributed through banks and financial institutions.

Product overview

MetLife pojišťovna a.s. is a life insurance specialist offering a portfolio of individual and corporate insurance products. For individuals, the core offerings are OneGuard (revolutionary risk life insurance for families), OneLife 2.0 (comprehensive life protection with supplemental options), and Garde 6.0 (above-standard protection with up to 31 supplemental insurance types). For corporate clients, MetLife provides group life and accident insurance and repayment ability insurance (Pojištění schopnosti splácet) distributed through partner banks including Reiffeisenbank, mBank, RCI Financial Services, and UniCredit Leasing CZ. The company operates as part of the global MetLife group with over 156 years of experience across 40+ countries.

Differentiator

Problem solved

Functional benefit

Brands

• OneGuard: Rizikové životní pojištění pro celou rodinu, pojistěn je až 7 osob od novorozenců po seniory do 80 let.
• OneLife 2.0
• Garde 6.0
• Skupinové životní a úrazové pojištění
• Pojištění schopnosti splácet

Products and services

• OneGuard Risk life-insurance product for families that can cover up to seven people, from newborns through adults aged 80, with death, accident, serious-illness, and customizable supplementary coverage.
• OneLife 2.0 Life-insurance product for the policyholder and up to six additional adults and children, providing a broad range of supplementary insurance options.
• Garde 6.0 Life-insurance product designed to help policyholders and their families bridge difficult financial periods, with up to 31 types of supplementary insurance coverage.
• Group Life and Accident Insurance Group insurance product for employers providing employees with death and accident coverage, worldwide 24/7 protection, group pricing rates, and no health questionnaire.
• Repayment Ability Insurance Insurance for loss of income caused by accident or illness, covering work disability, unemployment, total permanent disability, serious illness, and death; distributed through partner banks and financial institutions.

Quantifiable outcome

• Life insurance for up to 7 family members under one policy
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Raiffeisenbank a.s.coreChannel Partner/ Reseller/ DistributorRaiffeisenbank offers MetLife's loan repayment protection insurance to its clients, covering mortgage and loan obligations in case of work incapacity, disability, serious illness, or death.
• mBank S.A.coreChannel Partner/ Reseller/ DistributormBank provides MetLife's mortgage protection insurance to its customers, covering loan repayments in case of inability to work due to accident or illness.
• RCI Financial ServicescoreChannel Partner/ Reseller/ DistributorRCI Financial Services partners with MetLife to offer loan repayment protection insurance to automotive financing and leasing clients.
• UniCredit Leasing CZcoreChannel Partner/ Reseller/ DistributorUniCredit Leasing provides MetLife's loan repayment protection insurance to leasing customers, covering lease payments in case of work incapacity or disability.
• Special OlympicsminorStrategic or Co-development PartnerMetLife globally collaborates with Special Olympics movement. Czech branch volunteers participate in sports activities creating inclusion spaces for children with intellectual disabilities.
• TECUMminorStrategic or Co-development PartnerTECUM employs visually impaired and disabled massage therapists and rehabilitation workers who regularly provide massage services to MetLife employees at the workplace.
• Kavárna Bílá vránaminorOthersCatering services provider for MetLife corporate events, employing persons with disabilities.
• Tichý cateringminorOthersCatering services provider for MetLife corporate events, employing persons with disabilities.
• Česká asociace pojišťoven (Czech Insurance Association)coreStrategic or Co-development PartnerMetLife participates in the Czech Insurance Association's self-regulatory 'Forgetting Standard' for cancer survivors, allowing cancer survivors to obtain life insurance with health evaluation as if cancer was never experienced after specified cure-free periods.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Generali Česká pojišťovna: The largest Czech insurer (formerly Česká pojišťovna), offering a comparable suite of life, accident, and group insurance products to individuals and corporates across the same Czech distribution footprint.
• Kooperativa pojišťovna: A leading Czech life and non-life insurer within the Vienna Insurance Group, competing head-to-head with MetLife on individual life, group schemes, and broker-distributed credit protection.
• Allianz pojišťovna: Czech subsidiary of Allianz Group providing life, accident, and group employee-benefit products with similar intermediary-led distribution and corporate bank partnerships.
• ČSOB Pojišťovna: Bank-affiliated insurer within the ČSOB/KBC group offering life, accident, and credit protection through captive bank channels—an extremely close analogue to MetLife's bank-distribution model.
• NN Životní pojišťovna: Dedicated Czech life insurer (NN Group) focused on individual life with extensive supplementary coverage options and strong intermediary presence, directly competing for the same household life insurance customer.
• UNIQA pojišťovna: Austrian-led UNIQA operates a Czech life and accident business with comparable product modularity and bank partnerships, making it a direct substitute for MetLife's individual and group offerings.

Broad incumbents

• Vienna Insurance Group: Regional multi-line insurance group whose Czech subsidiaries (Kooperativa, ČPP) compete across life and P&C; broader portfolio and CEE footprint position it as a regional incumbent rather than a pure Czech life peer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 metlife pojistovna a.s.