Sustainability

Sustainability is an important issue and significantly impacts the financial market and our advice to you. As an actor in insurance advisory, we must always act in the best interest of the customer. A part of this and an obligation we have is to be transparent about how we consider sustainability risks so that you, as a customer, can make as informed a decision as possible.

Here you will find information on how we work with sustainability risks and negative impacts on sustainability factors, as well as how we integrate sustainability into our advice to you. The concept of sustainability includes environmental, social, and corporate governance aspects. A sustainability risk is an environmental, social, or governance-related event that could have a significant negative impact on the value of your investment. An environmental risk could, for example, be floods or other extreme weather that may affect the operations of the investments you make, such as in real estate companies. Sustainability factors refer to environmental, social, and personal issues, respect for human rights, and combating corruption and bribery.

When we distribute insurance (capital insurance and pension insurance) to you and provide advice on financial placements within an insurance, we will ask you about your sustainability preferences. If you consider it important that the products you invest in take sustainability into account, you will have the opportunity to express which group (environmental or social sustainability factors) you think should be prioritized. You will also be able to indicate to what extent you wish us to consider this in our advice when we conduct the so-called suitability assessment to find the products that are suitable based on your situation and preferences.

We do not currently consider sustainability risks, apart from, of course, considering your sustainability preferences, when selecting products we recommend to you. As new standards (taxonomies) from the EU develop and as there is a harmonization of sustainability reporting in the insurance and finance industry, our ability to integrate this into our insurance distribution improves, both in terms of our product selection and our advice to you. Our ambition is therefore to develop our work with sustainability and in the future be able to consider both sustainability risks and negative consequences for sustainability factors in our selection processes, as well as provide you with greater opportunities to express your sustainability preferences.

We have a compensation policy that regulates how our employees are compensated for the work they perform. Our sustainability work does not currently affect our compensation policy for our insurance intermediaries.

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