Objectives, goals and strategy


  • To carry out nation-wide, Danish non-life and life insurance and pension fund business.
  • To be attractive to customers by being a competitive independent and pre-eminent insurance group.
  • To ensure that our shareholders achieve a long-term, competitive, stable return.


  • To improve our position in the Danish insurance market.
  • To ensure that our expense ratio is lower than the general market.
  • To ensure that our growth in non-life and life insurance as well as pension fund business is higher than that of the market.
  • To attract and keep profitable customers by delivering a high level of customer service.
  • To ensure that Topdanmark's shares reflect insurance risk rather than investment risk.
  • To ensure that Topdanmark's shares are both attractive and liquid.
  • To be able to attract and keep qualified employees.


  • To achieve primarily organic growth, supplemented by close co-operation with alliance partners, and opportune acquisitions.
  • To develop and improve the level of customer service.
  • To optimise our shareholders' return/risk profile by ensuring that shareholders' equity continues to reflect both the volume of business and a corresponding investment policy.
  • To be a dynamic organisation encouraging personal and career development.
  • To align the goals of Management and employees with those of our shareholders.

Our opinion

  • More value is created by utilising the economies of scale shared between life and non-life, rather than doing business outside of Denmark.
  • The success criteria for an insurance company are: a declining expense ratio, good risk management and high distribution efficiency.
  • Digitisation, innovation and utilization of new technology are important means for achieving Topdanmark's success criteria.