Network Partner Profile

• Part of the Danske Bank Group, Denmark’s largest financial services firm.
• 170 years of experience in the life and pensions market.
• Specialises in pension and employee benefits schemes, life, disability and health insurance.
• One of Denmark’s largest and leading insurance companies.
• Premium income in 2011 exceeded EUR 3 billion; total assets at the end of 2011 exceeded EUR 40 billion.
• Market share in 2011: 33% in terms of total premium income.
• Approximately 600,000 policyholders.
• Member of the Swiss Life Network since 1986.
  

• Four products for retirement savings – Danica Traditionel, with a guaranteed rate of interest, Danica Link and Danica Balance, where savings are invested in equities and bonds depending on the risk profile and retirement age of the individual insured. When the person is young, investment is made mostly in equities and when retirement age approaches mostly in bonds. The fourth and most recent product is Danica Select.
• A unique service concept offering assistance with pension policy, service agreement, status meetings, attitude surveys, pension seminars for decision makers, several web solutions, short processing time including week penalties and individual advice including needs analysis.
• Non-life insurance (through Danske Forsikring).
• First pension company in Denmark to publish all administrative expenses related to pension schemes. All direct and indirect expenses are available and transparent to all clients.
• “Think Nordic”, an employee benefit concept offering Danica’s Nordic clients economies of scale, tailor-made products, professional advice, centralised approach and simplified administration.
  

Types of Employee Benefits - Coverage available and poolable:

• Old Age Pension / Lump Sum
• Group Life & Survivors’ Pension (rider)
• Disability Pension / Lump Sum (LTD – rider)
• Endowment
  

Types of Employee Benefits- Coverage available:

• Medical / Critical Illness
• Expatriate Schemes

Available Financial Products:

• Unit-Linked Product (risk part poolable)

Financial Products available via associate:

• Pooled Investment Funds
• Individual Custody Account
• Company–Specific Portfolios

• Founded in 1917, PFA Pension - a customer-owned pension company - is one of the largest suppliers of corporate benefit plans and the largest pension provider in Denmark.
• PFA’s mission is to create the greatest possible value for the customers, and its vision to transform knowledge into value through qualified advice on several fields: financial value, consultancy value and service value.
• PFA Pension’s gross premium income in 2011 amounted to DKK 17.7 billion.
• The company provides pension schemes, life insurance and health insurance services to individuals and business customers in Denmark, serving well over 670,000 customers with a benefit plan and almost 500,000 group term life customers.
• Total assets of PFA Pension amounts to more than DKK 324 billion.
• Member of the Swiss Life Network since 1983.
  

• PFA Plus - comprehensive flexible pension solution with both savings and insurance cover in one package. It allows to employees to save their money at market interest rates, and that risk is gradually reduced as retirement age approaches.
• PFA Health Insurance and PFA Critical Illness - flexible healthcare products offering the services to meet the specific needs of the company.
• PFA Preventive Care - offered to companies that already have, or are concluding, a benefit plan agreement with PFA.
• Customer Capital - A unique PFA feature ensuring that customers receive the greatest possible share of the value PFA creates.
  

Types of Employee Benefits - Coverage available and poolable:

• Old Age Pension / Lump Sum / Instalment
• Disability Pension / Lump Sum (LTD)
• Group Life & Survivors’ Pension
• Endowment

Types of Employee Benefits - Coverage available:

• Critical Illness
• Group Health
• Preventive Healthcare

Available Financial Products via associate:

• Pooled Investment Funds