Capital Insurance
Maximize your savings with smart insurance solutions
Capital insurance is a powerful tool for those who want to invest long-term with full flexibility and tax efficiency. Whether you’re a business owner with company capital or an individual with substantial assets, Cefund offers structured solutions for how to best utilize capital insurance.
We help you understand the benefits, avoid common pitfalls, and build a strategy that suits your goals, with the option to invest in both listed and unlisted assets.
How does capital insurance work?
You don’t need to declare individual transactions and can easily change holdings without tax consequences. The capital insurance can be in your name or in a limited company, making it an effective tool for both private and professional management.
Difference from ISK: |
Capital Insurance for Individuals
A private capital insurance is suitable for those who want a simple and effective way to manage capital from sources such as sales, inheritance, or long-term savings. At Cefund, you can also invest in unlisted holdings, which is not possible with an ISK.
You receive personal advice, access to our dividend strategies, and management tailored to your specific situation. The capital insurance can also be combined with pension savings or used to create passive cash flows.
Capital Insurance for Companies
Do you have a limited company with excess liquidity? Instead of letting the money sit idle, you can invest it through a corporate capital insurance. This gives you tax-optimized management, control, and flexibility.
Common purposes:
- Building capital for future dividends
- Structuring pension solutions for owners and key personnel
- Placing liquid assets for future investments
- Diversifying company wealth
We help you choose the right insurance form and strategy for your company.
Why invest in capital insurance?
Capital insurance is a flexible and tax-efficient savings vehicle that makes it easy to invest money long-term, whether you’re a business owner or individual. Instead of paying tax on each sale, you pay an annual flat-rate tax, and you don’t need to declare each transaction.
Benefits of capital insurance:
Why customers choose Cefund for their capital insurance
At Cefund, you get an independent, personal, and flexible capital insurance solution that can be combined with management, pension, or insurance structures – both for private and corporate use.
Benefits of our offering:
- Independent model without bank affiliations
- High flexibility in product and fund selection
- Opportunity to invest in unlisted holdings
- Personal advice with a comprehensive perspective
- Combination with capital management and pension strategies
What's the Difference between Capital Insurance and ISK?
Can I Use Capital Insurance to Invest in Unlisted Assets?
What Does it Cost to Invest in Capital Insurance with Cefund?
Where Can I See My Holdings and how Am I Kept Updated?
Is My Capital Locked in?
No. Although endowment insurance is an insurance solution, there is generally good flexibility to withdraw the capital when needed. However, some investments may have a fixed maturity, so selling them early may affect the return. We always design the arrangement based on your needs for availability and security.
Take the next step with your capital insurance
Want to invest smarter, reduce taxes, and create more opportunities for your capital? We help you find the right capital insurance, whether for private management or company capital. Get a personal review and see what suits your situation.