Agram Life
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsJan–Sep 2026, year to date: €40m of premium, +0.7% on Jan–Sep 2025 (market +6.1%); share 2.4% (−0.1 pp), #11 of 14. More
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Agram Life's line mix, and where it stands among the 14 insurers in Croatia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Croatia with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Generali osiguranje | 8.4% | 8.0% | 6.9% | 7.2% | 7.3% |
| UNIQA osiguranje | 5.1% | 5.2% | 5.7% | 5.7% | 5.6% |
| GRAWE Hrvatska | 4.0% | 3.9% | 4.2% | 3.8% | 3.8% |
| Agram Life | 3.4% | 3.2% | 3.1% | 2.7% | 2.5% |
| Merkur osiguranje | 2.1% | 2.0% | 2.2% | 2.0% | 1.9% |
Lines and claims
Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.
All figures
Claims and costs over time
Savings and protection in life
Life premium by kind
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Agram Life beside the other insurers of Croatia: operating ratio, sources of profit and leverage →
Also in the Agram group
5 companies in 2 markets · €708m premium, latest year
Ownership and events
Company details
- Legal name
- AGRAM LIFE osiguranje, dioničko društvo
- Registered seat
- Zagreb, Croatia
- Website
- agramlife.hr
- Employees
- 120 (2025; 126 in 2024)
- Premium per employee
- €438k (FY 2025; all insurers)
Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026. Employees: employees at the end of the year as printed in section A of the insurers' SFCRs, whole company including foreign branches (Euroherc in Austria, Adriatic in Italy); most Croatian insurers print no headcount there and are not shown.
Questions about Agram Life
Short answers from the figures on this page.
What is Agram Life's market share in Croatia?
Agram Life wrote €52.6m of premium in FY 2025, 2.5% of all premium in Croatia, ranking #11 of 14 insurers; its premium grew 0.4% on FY 2024.
Who owns Agram Life?
Agram Life is part of the Agram group, which has 5 companies in 2 of the 18 markets on Polisa (FY 2025).
What does Agram Life sell?
Agram Life is a composite insurer; its largest lines in FY 2025 are life insurance (73.3% of its premium), health (21.4%) and accident (5.3%).
Is Agram Life well capitalised?
Agram Life's SCR ratio was 236% at 31 December 2025: it held 2.4 times the capital Solvency II requires, against a median of 230% for the insurers in Croatia.
Is Agram Life profitable?
Agram Life made a net profit of €8.64m in FY 2025, a return on equity of 7.9%; its non-life combined ratio was 99% after reinsurance.
Is Agram Life growing?
Agram Life's premium grew 0.4% in FY 2025, slower than the market in Croatia (+7.4%).
Sources for this page
Premium: the insurer's SFCR for FY 2025, template S.05.01 (gross written premium), and its SFCRs of 2023 and 2024 for those years; for FY 2021–2022 HANFA, Revidirani pojedinačni podaci (audited written premium per insurer). HANFA's audited collected premium, its per-insurer figure since 2023, is in each insurer's data note. Lines, claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01 and S.23.01; claims, expenses and solvency for FY 2021–2024 from the SFCRs of those years. How these numbers are built.
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CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse
Polisa compiles the figures; the original sources are named on this page and on the method page.
Polisa. (2026). Agram Life (Croatia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/hr-agram-life
BibTeXShow entry
@misc{polisa_insurers_hr_agram_life_2026,
author = {{Polisa}},
title = {Agram Life (Croatia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/hr-agram-life}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: HANFA (free re-use with credit), HUO (no re-use terms published), insurers' SFCRs (public disclosures, linked).