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Our insurances
We strive to have low fees and make our members satisfied
Kåpan is a default alternative and we therefore take extra care to guarantee confidence and security for our members who have not made an active choice. It is also important to us, to keep our fees low and that our members are satisfied with us, says Ulf Petersson, Head of Insurance.
All of our insurances are traditional insurances where our investment managers take care of the management. A traditional pension insurance also means that there is a certain guarantee. For our product Kåpan Aktieval the guarantee is very limited.
Ulf Petersson, Head of insurance
Kåpan Tjänste
All government employees have this insurance. Your employer pays in at least 2% of your salary to Kåpan Tjänste. Your age is taken into account when the risk of the investment is decided.
Kåpan Valbar
You can choose this insurance for the selectable part in PA 16. Your employer pays in at least 2.5% of your salary to the selectable part. Your age is taken into account when the risk of the investment is decided.
Kåpan Aktieval
You can choose this insurance for the selectable part in PA 16. Your employer pays in at least 2.5% of your salary to the selectable part. If you chose Kåpan Aktieval, your money will be invested in exclusively in equity until you start withdrawing your pension.
Kåpan Flex
All government employees have this insurance. Your employer pays in 1,5% of your salary to Kåpan Flex if you are born 1966 or later and 0,5 % if you are born before 1966. Your age is taken into account when the risk of the investment is decided.
Kåpan Extra
If you are in Section 2 and your employer has signed a local collective agreement, the extra premium is invested in Kåpan Extra. Your age is taken into account when the risk of the investment is decided.
Kåpan Plus
Kåpan Plus is a private pension insurance that you have paid into yourself. From January 2016, Kåpan Plus is closed to new payments. The risk of the investments is adjusted according to your age.
Repayment cover
It is possible to add repayment cover to your insurance with us. Your pension will then be lower. Repayment cover means that the value in your insurance is paid to your family if you die. If you do not make an active choice, your insurance will not include repayment cover.
We have low costs
Our administration costs in relation to managed capital are low. The costs are covered by deducting a fee from your pension capital, which is currently set at 0.05 percent. The cost of asset management is 0.04 percent. While it is not a fee directly taken from your capital, it does impact your capital by reducing the bonus rate.
Your savings with us
Kåpan manages collectively agreed occupational pensions for you who are or have been a government employee. Kåpan is a mutual insurance association which means that the members own the business together. If you want to know more about your pension with us and more about the association, you can read our information brochure.
Occupational pension as a government employee
If you want to know more about the occupational pension agreement for government employee you can read more at The National Government Employee Pensions Board's website, spv.se.