ERGO Life Insurance
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsH1 2026, year to date: €18m of premium, −0.3% on H1 2025 (market +3.7%); share 2.0% (−0.1 pp), #14 of 19. More
Fingerprint
ERGO Life Insurance's line mix, and where it stands among the 18 insurers in Lithuania on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Lithuania 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 |
|---|---|---|---|---|---|
| SEB Life and Pension Baltic (branch) | 5.0% | 4.4% | 3.8% | 3.6% | 3.5% |
| Balcia Insurance (branch) | 1.4% | 1.9% | 2.2% | 2.7% | 3.4% |
| ERGO Life Insurance | 3.1% | 2.7% | 2.2% | 2.0% | 2.0% |
| Artea Life Insurance | 0.9% | 0.9% | 0.9% | 1.8% | 1.8% |
| PZU Lietuva gyvybės draudimas | 2.0% | 1.8% | 1.6% | 1.6% | 1.6% |
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
Also in the ERGO group
10 companies in 5 markets · €2.94bn premium, latest year
Ownership and events
Company details
- Legal name
- ERGO LIFE INSURANCE SE
- Registered seat
- Vilnius, Lithuania
- Website
- ergo.lt
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.
Questions about ERGO Life Insurance
Short answers from the figures on this page.
What is ERGO Life Insurance's market share in Lithuania?
ERGO Life Insurance wrote €35.4m of premium in FY 2025, 2.0% of all premium in Lithuania, ranking #13 of 18 insurers; its premium grew 14.0% on FY 2024.
Who owns ERGO Life Insurance?
ERGO Life Insurance is part of the ERGO group, which has 10 companies in 5 of the 18 markets on Polisa (FY 2025).
What does ERGO Life Insurance sell?
ERGO Life Insurance is a composite insurer; its largest lines in FY 2025 are life insurance (76.9% of its premium) and health (23.1%).
Is ERGO Life Insurance well capitalised?
ERGO Life Insurance's SCR ratio was 192% at 31 December 2025: it held 1.9 times the capital Solvency II requires, against a median of 189% for the insurers in Lithuania.
Is ERGO Life Insurance profitable?
ERGO Life Insurance made a net profit of €6.79m in FY 2025, a return on equity of 10.0%; its non-life combined ratio was 90% after reinsurance.
Is ERGO Life Insurance growing?
ERGO Life Insurance's premium grew 14.0% in FY 2025, faster than the market in Lithuania (+9.2%).
Sources for this page
Premium, lines, claims paid, contracts and claim counts: Bank of Lithuania, Insurance Activity Results in Lithuania (monthly statistics by insurer). Earned premium, claims incurred and expenses (S.05.01) and solvency (S.23.01): each domestic insurer's SFCR, FY 2021–2025, scaled to its Lithuanian business with the per-country template. How these numbers are built.
Spotted a wrong figure? Tell us and include the source.
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). ERGO Life Insurance (Lithuania): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/lt-ergo-life-insurance
BibTeXShow entry
@misc{polisa_insurers_lt_ergo_life_insurance_2026,
author = {{Polisa}},
title = {ERGO Life Insurance (Lithuania): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/lt-ergo-life-insurance}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: Bank of Lithuania (free with credit), insurers' SFCRs (public disclosures, linked).