PRE-BUY INFORMATION ON PENSURE AB
GENERAL INFORMATION
You have a legal right to this information and it is important that you read it before buying insurance. You should also save this information.
Pensure AB (the Company) is an insurance intermediary and distributes life insurance policies.
It is not bound to distribute policies from only one or a small number of insurance companies, but distributes policies on behalf of several insurance companies.
The pension plan
The company has developed a fully digital occupational pension plan. The target group is mainly small and medium-sized enterprises. The administrative processes between Pensure and insurance companies are digital and automated. This allows for very attractive pricing that this target group would otherwise not have access to. Within the framework of the Pensure plan, SPP is currently the savings insurance company. Risk insurance companies can be SPP, Euro Accident, Nordeuropa Försäkring, DKV Hälsa, DSS Hälsa, Trygg-Hansa and Folksam.
Occupational pension plans
The company distributes pension plans procured through the insurance intermediary organization Tydliga. The procurements are Tydligaplan and Flexplan. Within the framework of Tydligaplan and Flexplan, the following savings insurance companies are eligible: Länsförsäkringar, SEB, SPP, Futur Pension, Skandia and Movestic. Risk insurance companies can be SPP, Euro Accident, Nordeuropa Försäkring, DKV Hälsa, DSS Hälsa, Trygg-Hansa and Folksam.
The company provides advice on the basis of what the above insurance companies offer as well as the products procured centrally through the insurance intermediary organization Tydliga.
The company's insurance intermediary represents the customer and acts on behalf of the customer and in the customer's best interests when distributing insurance policies.
As an insurance intermediary, we have a responsibility to provide you, the consumer, with objective and clear information about the insurance products we receive from insurance companies. Therefore, we encourage you to take particular note of and keep the information we provide to you describing the insurance products we have distributed to you.
CONTACT DETAILS
Pensure AB
Organization number: 559114-1865
Postal address: Box 11, 182 11 Danderyd
Telephone number: 08-12097272
E-mail address: Info@pensure.se
Website: www.pensure.se
AUTHORIZATION AND SUPERVISION
Authorization
The company is authorized by the Swedish Financial Supervisory Authority to distribute insurance as described below.
Insurance in all life insurance classes (direct).
As a customer, you can contact the Financial Supervisory Authority for information on which employees are authorized to distribute which insurance policies. You can find this information in the FIN-FSA's register of undertakings (www.fi.se) or contact the FIN-FSA using the contact details below.
Supervision and registration
The Swedish Financial Supervisory Authority supervises the Company's insurance distribution and the Swedish Companies Registration Office is the registration authority for insurance intermediaries. You as a customer can check the registration with the Swedish Companies Registration Office. See contact details below.
The Consumer Agency supervises marketing and information content.
Konsumentverket
Postal address: Box 48, 651 02 Karlstad
Telephone: 0771-42 33 00
E-mail: konsumentverket@konsumentverket.se
Website: www.konsumentverket.se
Finansinspektionen
Postal address: Box 7821 103 97, Stockholm
Telephone: 08-787 80 00
E-mail: finansinspektionen@fi.se
Website: www.fi.se
Bolagsverket
Postal address: 851 31, Sundsvall
Telephone: 060-18 40 00
E-mail: bolagsverket@bolagsverket.se
Website: www.bolagsverket.se
THE COMPANY'S INSURANCE DISTRIBUTION AND ADVICE
The Company will offer you advice on the insurance products we offer based on the insurance companies selected above. The advice is therefore not based on an impartial and personal analysis (independent advice).
In cases where the Company provides you with insurance products without advice, the Company will clearly inform you of this before you enter into an insurance contract. This is the case if you, as a customer, take out an insurance policy on your own on the Company's website. In such cases, the Company will only carry out a needs assessment and will not provide you with advice.
When advising on insurance-based investment products (endowment insurance), the Company will mainly offer you mutual funds and in some cases alternative investment funds and portfolio management services. For information on the risks of investing in financial instruments, please refer to separate information.
AUTHORIZATIONS
A power of attorney authorizes a specifically designated person or company (the assignee) to perform acts on behalf of someone else (the principal). In order for the Company to carry out its assignment for the customer, the Company uses a power of attorney in which the customer is the principal and the Company as insurance intermediary is the assignee. The Company uses two different types of power of attorney: information power of attorney and brokerage power of attorney. The powers of attorney can either be handled digitally via the Power of Attorney Cloud or by the customer physically signing a power of attorney.
An information power of attorney is a power of attorney limited to giving the holder the right to receive certain information about the principal's insurance and pensions, for example from an insurance company.
An agency power of attorney is a power of attorney that gives the holder of the power of attorney both the right to obtain certain information about the principal's insurance and pensions and the right to represent the principal, for example with an insurance company to take out insurance.
COMMUNICATION
The Company will primarily communicate with you via your personal customer portal, to which you will receive a login when you become a customer of the Company. There you will always find, for example, current pre-sales information about the Company. When the Company deems it appropriate based on the services the Company offers and our relationship with you as a customer, you will receive information via e-mail.
When you as a customer provide us with your e-mail address, you confirm at the same time that you are able to receive the information referred to above via the internet and e-mail. It is your responsibility as a customer to change your e-mail address via the customer portal or in paper form to the Company.
As a customer, you are always entitled to receive this information and certain other information in paper form free of charge on request. All communication is in Swedish.
INFORMATION ABOUT OUR STAFF AND SKILLS REQUIREMENTS
The Company has verified that all insurance intermediaries working for the Company have the required background, training, knowledge and skills. All of the Company's insurance intermediaries must undergo annual training and pass a knowledge test. You can see which employees are authorized to distribute insurance on behalf of the Company in the Swedish Financial Supervisory Authority's business register (www.fi.se).
THE PRICE OF DISTRIBUTION AND ADVICE
The company receives compensation for the insurance distribution we perform either through a fee from you as a customer or through remuneration from our partners.
The compensation depends, among other things, on the insurance product you buy. You will receive a description of the compensation before each occasion that you take out insurance.
The remuneration is intended to cover the costs of insurance distribution and insurance advice, including follow-up, annual maintenance and service to you as a customer. It also covers administrative and insurance costs, as well as costs imposed by the supervisory authority.
REGULAR REPORT ON COSTS AND REIMBURSEMENTS
As a customer, you are entitled in certain cases to receive a regular report containing information about the products and services we have distributed to you, as well as the costs and reimbursements for these.
Information on the products and services and the costs referred to above will be provided to you by the insurance company with which you have taken out your insurance. Information on the benefits referred to above will be provided to you by us and will be delivered to you personally at least annually via your customer portal.
SUSTAINABILITY-RELATED DISCLOSURES
As a provider of insurance advice, we must always act in the best interests of our customers. As part of this, we have a duty to be transparent about how we consider sustainability risks so that you as a client can make the most informed decision possible, and to include information about your sustainability preferences when advising on endowment and pension policies. A sustainability risk is an environmental, social or governance-related event that could have a significant negative impact on the value of your investment. For example, an environmental risk could be flooding or other extreme weather that could affect the operations of the investments you make, such as in real estate companies. Sustainability factors include environmental, social and human issues, respect for human rights and the fight against corruption and bribery
For information on the Company's work on sustainability, see the Company's website.
CONFLICTS OF INTEREST
Conflicts of interest are a natural part of doing business and also in the Company's field of activity. Conflicts of interest may arise in a situation where the interest of the client conflicts with an interest of the Company or the Company's insurance intermediary. To protect you as a client, the Company has adopted guidelines to manage conflicts of interest.
It may be the case that some products distributed by the Company provide more remuneration than others. This may provide an incentive for the Company or the insurance intermediary to distribute those particular products to the customer even though that product may not be the most suitable or best suited to the customer's requirements and needs.
In order to manage conflicts of interest and ensure that the client's interests are put first, each distribution and advisory event is preceded by a requirements and needs assessment and, where appropriate, by a personal recommendation in the light of the information you have provided as a client. In addition, the Company conducts ongoing random checks where all advisory documentation is reviewed in order to ensure that your interests as a client are put first. When advising on insurance-based investment products, the advice is always preceded by a suitability assessment. We will also clearly explain this relationship to you as a client in connection with the advice.
The organizational and administrative arrangements put in place to prevent or manage conflicts of interest referred to above in relation to the distribution and advice of insurance-based investment products are not sufficient to ensure with reasonable certainty that there is no risk of damage to the client's interests.
More detailed information on what the Company's conflict of interest rules contain is provided to the client upon request.
LIABILITY INSURANCE
The company and all employed insurance intermediaries are covered by a mandatory liability insurance regarding liability for damages according to Chapter 2. 7 of the Insurance Distribution Act (2018:1219).
The insurance is taken out with QBE Insurance (Europé) Ltd, Sweden branch, via the group representative SFM (Svensk försäkringsförmedlares förening)
Address: Sveavägen 13, 111 57 Stockholm
If you suffer damage or financial loss and consider that the actions of the Company or its intermediaries have caused it, you may make a claim directly against the insurance company. If you wish to make a claim, you must notify the Company within a reasonable time of becoming aware, or ought to have become aware, that a loss has occurred. You therefore have an obligation to actively contact us. If you are not notified within a reasonable time, you are no longer entitled to compensation. The same applies if a claim is not brought within 10 years of the date of distribution.
The maximum compensation payable for a single claim is EUR 1 564 610 and a total of EUR 3 129 230 for all claims during the insurance period (one year).
IF YOU ARE NOT SATISFIED
If you, as a customer, are dissatisfied and wish to make a complaint regarding the distribution and/or advice of insurance, this should be made in writing to the Company's Complaints Officer. Complaints will be answered and investigated as soon as possible. If we are unable to respond to your complaint within 14 days of receiving it, we will notify you and explain the reason for this and inform you of the further handling of your complaint and when you can expect a response.
As a consumer, you can get guidance and help from:
Consumers' Insurance Bureau www.konsumenternas.se
Consumers' Banking and Finance Bureau www.konsumenterna.se
Swedish Consumer Agency (Hallå konsument) www.hallakonsument.se
Consumer advice service in your municipality, www.konsumentvagledare.se
You also have the option of having your dispute reviewed by the General Complaints Board (www.arn.se).
You can also go to court to have your case heard. In such cases, you are advised to hire a lawyer to assist you in the process and to assess your case and your prospects of success in the dispute. The company's complaints officer:
Pensure AB
Complaints Officer
Box 11, 182 11 Danderyd
E-mail: info@pensure.se
QUALIFYING HOLDINGS
The Company has no qualifying holdings in any insurance company from which the Company distributes insurance and none of these insurance companies have qualifying holdings in the Company.
General terms and conditions
As a customer, you are subject to the Company's general terms and conditions for customers after submitting an authorization to the Company. The current general terms and conditions can be found on your customer portal.
Processing of personal data
The General Data Protection Regulation (GDPR) sets out rules on how personal data may be processed. The purpose of the GDPR is to protect the fundamental rights and freedoms of individuals, in particular their right to the protection of personal data. The rules of the GDPR apply throughout the EU and aim to create a uniform and equivalent level of protection of personal data.
You are informed that the Company, as data controller, processes your personal data. For more information, please refer to the Company's privacy policy, which you can find on our website.
For the prevention of money laundering and terrorist financing
The Act (2017:630) on Measures against Money Laundering and Terrorist Financing sets out a number of basic requirements for identity checks, etc. Special rules apply to politically exposed persons (PEP). Information may be requested from you as a customer in connection with taking out life insurance and/or investments within the framework of an insurance policy.
Clear
The company is a member of the insurance brokerage organization Tydliga, which is Sweden's fastest growing player in the Swedish insurance advisor market. Tydliga currently has almost 350 insurance intermediaries affiliated to it, which gives them the conditions to centrally procure insurance solutions that meet customers' needs and wishes at competitive prices. You can read more about Tydliga at www.tydliga.se.
Association of Swedish Insurance Intermediaries
The company is a member of the Swedish Insurance Intermediaries' Association (SFM), which is a trade organization for insurance intermediaries. In order to become a member, the intermediary must meet all the requirements set by Finansinspektionen. In addition, SFM carries out its own checks on the knowledge and competence of each individual intermediary. More information about membership and SFM's ethical guidelines is available at www.sfm.se.
Insuresec
The company is affiliated with InsureSec, which means, among other things, that employed insurance intermediaries must be licensed and that our operations are audited by InsureSec, and that the Disciplinary Board for Insurance Distribution has a mandate to make decisions in disciplinary matters for our insurance distribution.
As a customer, you can report breaches of the regulations governing insurance distribution to InsureSec.
For more information see www.insuresec.se or www.radgivarregistret.se.
