Network Partner Profile

• Part of the Danske Bank Group, Denmark’s largest financial services firm.
• Over 150 years of experience in the life and pensions market.
• Specialises in pension and employee benefits schemes, life, disability and health insurance.
• Denmark’s largest and leading insurance company by premium income and assets.
• Premium income in 2009 exceeded EUR 2 billion; total assets at the end of 2009 exceeded EUR 35 billion.
• Market share in 2009: 31% in terms of total premium income.
• Approximately 600,000 policyholders.
• Rated A (negative outlook) by Standard & Poor’s.
• Member of the Swiss Life Network since 1986.

• Three products for retirement savings – Danica Traditionel (guaranteed rate of interest), Danica Link and Danica Balance (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).
• 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 Benefit - Coverage available and poolable:

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

Types of Benefit - Coverage available:

• Medical / Critical Illness
• Expatriate Schemes

Available Financial Products:

• Unit-Linked Product (risk part poolable)

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 Pension’s gross premium income in 2009 amounted to DKK 14,2 billion.
• The company provides pension schemes, life insurance and health insurance services to individuals and business customers in Denmark, serving well over 600,000 customers with a benefit plan and 500,000 group term life customers.
• Insured capital of PFA Pension amounts to more than DKK 241 billion.
• Member of the Swiss Life Network since 1983.

• PFA’s flexible health scheme comprises a number of services adapted to the specific needs of the company.
• Local experience rating is offered to companies with more than 50 insured employees. If less than 50 but more than 5, it can be included in a PFA local small groups pool.
• PFA’s preventive healthcare product ‘PFA Preventive Care’ is offered to companies that already have, or are concluding, a benefit plan agreement with PFA.
• PFA offers a product called CustomerCapital, which in basic terms gives the employees the possibility of becoming co-owners of PFA.
• PFA Plus is a modern lifecycle product that is flexible, transparent, user-friendly and includes tailored options.

Types of Benefit - Coverage available and poolable:

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

Types of Benefit - Coverage available:

• Critical Illness
• Group Health
• Preventive Healthcare

Available Financial Products via associate:

• Pooled Investment Funds