Life, pension and non-life insurance - personal customers

Insurance

Livsforsikring (life insurance)

Prices, Livsforsikring (life insurance)
Specification	Price
The price of Livsforsikring (life insurance) depends on the cover, age and tobacco-smoking habits of the insured person. The price of Uførepensjon (disability pension) and Uførekapital (disability capital) also depends on occupation and thus must be calculated individually.
Establishment fee	kr 300,00
Monthly management fee per contract	kr 34,00

Incurances by Gjensidige

Prices, Livsforsikring (life insurance)
Specification	Price
The price of Livsforsikring (life insurance) depends on the cover, age and tobacco-smoking habits of the insured person. The price of Uførepensjon (disability pension) and Uførekapital (disability capital) also depends on occupation and thus must be calculated individually.
Establishment fee	kr 300,00
Monthly management fee per contract	kr 34,00

Individual Pension Savings (IPS)

Prices, IPS
Specification	Price
Deposit fee	0,00 %
Annual fund charge of the balance on the account	Between 0,49 % and 1,59 % depending on type of Aktiva fund
For bank savings, an annual management fee is charged of the current balance on the account	0,20 %
Annual management fee of the current balance on the account during the payment period	0,75 %

Pensjonskonto (pension account)

Prices, Pensjonskonto (pension account)
Specification	Price
Deposit fee	0,00 %
Annual management fee, calculated monthly of the savings balance	0,30 %
Switching of funds	For most of our funds, you can switch funds without incurring any charges. For the remaining funds, a switching fee may be charged in case of a difference between the purchase price and the sales price

Pensjonskapitalbevis (pension capital certificate)

Price, Pensjonskapitalbevis (pension capital certificate)
Specification
Pension capital certificates can be transferred to Nordea Liv free of charge. The annual management fee is 0,50 % of the National Insurance's basic amount (G), up to a maximum of 1,00 % of the balance. Costs of underlying funds come in addition to this. The annual fund charge will depend on the fund in which the pension capital certificate has been invested. (For example, the standard fund Aktiva 50 has an annual management fee of 0.99%.).

Paid-up policies

Price, paid-up policies
Specification
Costs related to the management of your paid-up policies are charged annually. The amount, which depends on the size of the paid-up policy, is stated in the annual account statement.

Prices, IPS
Specification	Price
Deposit fee	0,00 %
Annual fund charge of the balance on the account	Between 0,49 % and 1,59 % depending on type of Aktiva fund
For bank savings, an annual management fee is charged of the current balance on the account	0,20 %
Annual management fee of the current balance on the account during the payment period	0,75 %

Information on prices and return commission can be found on the individual fund’s fact sheet in the fund overviewÅpnes i nytt vindu

Prices, Pensjonskonto (pension account)
Specification	Price
Deposit fee	0,00 %
Annual management fee, calculated monthly of the savings balance	0,30 %
Switching of funds	For most of our funds, you can switch funds without incurring any charges. For the remaining funds, a switching fee may be charged in case of a difference between the purchase price and the sales price

Information on prices and return commission can be found on the individual fund’s fact sheet in the fund overviewÅpnes i nytt vindu

Price, Pensjonskapitalbevis (pension capital certificate)
Specification
Pension capital certificates can be transferred to Nordea Liv free of charge. The annual management fee is 0,50 % of the National Insurance's basic amount (G), up to a maximum of 1,00 % of the balance. Costs of underlying funds come in addition to this. The annual fund charge will depend on the fund in which the pension capital certificate has been invested. (For example, the standard fund Aktiva 50 has an annual management fee of 0.99%.).

Price, paid-up policies
Specification
Costs related to the management of your paid-up policies are charged annually. The amount, which depends on the size of the paid-up policy, is stated in the annual account statement.

Fondskonto (investment fund account)

Price, Fondskonto (investment fund account)
Specification	Price
Deposit fee	0,00 %
Annual management fee, calculated monthly of the savings balance	0,30 %
Switching of funds	For most of our funds, you can switch funds without incurring any charges. For the remaining funds, a switching fee may be charged in case of a difference between the purchase price and the sales price

Price, Fondskonto (investment fund account)
Specification	Price
Deposit fee	0,00 %
Annual management fee, calculated monthly of the savings balance	0,30 %
Switching of funds	For most of our funds, you can switch funds without incurring any charges. For the remaining funds, a switching fee may be charged in case of a difference between the purchase price and the sales price

The risk premium charged for the insurance (1,00 % of the savings balance) depends on the age of the person insured.

A cost will incur in the underlying funds, depending on the choice of funds. This cost is included in the price from the fund manager.

Information on prices and return commission can be found on the individual fund’s fact sheet in the fund overviewÅpnes i nytt vindu

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