# Fremtind Forsikring

Fremtind Forsikring is an Insurance based in Oslo, Norway.

## Overview

- **Organization type:** Insurance
- **Headquarters:** Oslo, Norway
- **Region:** Europe
- **Address:** Oslo, Norway
- **Founded:** 2018
- **Assets under management:** Undisclosed
- **Website:** fremtind.no
- **LinkedIn:** https://www.linkedin.com/company/fremtind
- **Wikidata:** Q12008489

## Regulatory record

- **Reports private funds:** No

## About

Fremtind er ett av Norges største forsikringsselskap. Selskapet er eid av SpareBank 1, DNB og Eika. Forsikringene kjøpes i banken eller hos forbundet.

## People

- Hege Toft Karlsen — CEO

## Questions

### Who controls Fremtind Forsikring's investment decisions?

Fremtind's investment committee operates under the dual ownership of SpareBank 1 Gruppen (65%) and DNB (35%). The committee reports to a board composed of representatives from both shareholder groups. Day-to-day portfolio management is handled by the internal treasury and asset management function in Oslo, with CEO Hege Toft Karlsen holding ultimate executive accountability.

### What asset classes does Fremtind's investment portfolio include?

The portfolio is heavily weighted toward Scandinavian investment-grade fixed income — primarily Norwegian government and covered bonds and Swedish mortgage securities. Commercial real estate in major Norwegian cities forms the second-largest allocation. Equities are a smaller tactical component, concentrated in Nordic listed stocks. The mandate explicitly excludes venture capital, private equity, and direct infrastructure equity.

### How large is Fremtind's investment portfolio?

Fremtind does not publicly disclose its exact assets under management. Based on regulatory filings and gross written premiums exceeding NOK 12 billion, the investment portfolio is estimated at over NOK 30 billion. The firm ranks as Norway's second-largest non-life insurer by premium volume, behind Gjensidige.

### Does Fremtind co-invest alongside external general partners?

No. Fremtind does not operate a co-investment or direct private equity program. The investment mandate is liability-driven and focused on liquid Nordic fixed-income assets. External managers are used selectively for niche credit mandates, but the firm does not function as a limited partner in commingled private-market funds.

### What is Fremtind's relationship to SpareBank 1 and DNB?

Fremtind is the non-life insurance joint venture between SpareBank 1 Gruppen and DNB, created in 2018. SpareBank 1 holds a 65% equity stake through its mutual savings bank alliance, while DNB, Norway's largest bank, holds the remaining 35%. The firm distributes insurance products through the branch networks and digital channels of both parent banking groups.

### Does Fremtind have any sustainability-linked investment criteria?

As a Norwegian regulated insurer, Fremtind applies ESG screening aligned with the sovereign wealth fund guidelines and Solvency II governance expectations. The fixed-income portfolio emphasizes Norwegian government and green covered bond issuers. The firm has not published a standalone impact or climate-transition investment framework, and its influence on investee companies is limited to engagement through Nordic bondholder networks.

### Which geographies does Fremtind's investment portfolio cover?

Investments are almost exclusively Nordic, with the heaviest concentration in Norway and Sweden. Real estate holdings are concentrated in Oslo, Bergen, and Trondheim. The firm does not hold material investment exposure outside the Scandinavian currency bloc, reflecting the liability-matching requirement of its Norwegian krone-denominated policy obligations.

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Last updated: 2026-07-11T00:04:42.000Z

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