CBL Life
Sources and updates
- Source
- Latvijas Banka quarterly reports by insurer, with lines, solvency and profit; claims ratios from each Latvian insurer's SFCR
- Latest figures
- FY 2025, H1 2026
- Next update
- Jan–Sep 2026, around December 2026
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsH1 2026, year to date: €7.8m of premium, +87.2% on H1 2025 (market +7.7%); share 1.7% (+0.7 pp), #14 of 17. More
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CBL Life's line mix, and where it stands among the 17 insurers in Latvia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Latvia 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 |
|---|---|---|---|---|---|
| Baltijas Apdrošināšanas Nams | 2.2% | 3.1% | 3.1% | 3.0% | 2.7% |
| SEB Life and Pension Baltic | 4.0% | 3.1% | 2.8% | 2.5% | 2.6% |
| CBL Life | 4.5% | 3.1% | 1.4% | 1.3% | 1.2% |
| Telia Försäkring (branch) | 0.7% | 0.8% | 0.9% | 1.0% | 1.0% |
| Sincera Insurance | — | — | — | — | 0.2% |
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
CBL Life beside the other insurers of Latvia: operating ratio, sources of profit and leverage →
Also in the Citadele group
1 company in 1 market · €10m premium, latest year
No other company of this group in the markets covered.
Ownership and events
Company details
- Legal name
- "CBL LIFE" APDROŠINĀŠANAS AKCIJU SABIEDRĪBA
- Registered seat
- Riga, Latvia
- Website
- cblgroup.com
- Employees
- 23 (Q3 2026)
- Premium per employee
- €440k (FY 2025; median for life insurers in Latvia: €476k; 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: average number employed in Latvia in the latest quarter, from the State Revenue Service's open data, which carries only that quarter.
Questions about CBL Life
Short answers from the figures on this page.
What is CBL Life's market share in Latvia?
CBL Life wrote €10.1m of premium in FY 2025, 1.2% of all premium in Latvia, ranking #14 of 17 insurers; its premium fell 5.1% on FY 2024.
Who owns CBL Life?
CBL Life is part of the Citadele group, its only company in the 18 markets on Polisa (FY 2025).
What does CBL Life sell?
CBL Life is a life insurer; its largest lines in FY 2025 are life insurance (95.8% of its premium) and accident (4.2%).
Is CBL Life well capitalised?
CBL Life's SCR ratio was 299% at 31 December 2025: it held 3.0 times the capital Solvency II requires, against a median of 135% for the insurers in Latvia.
Is CBL Life profitable?
CBL Life made a net profit of €1.12m in FY 2025, a return on equity of 16.2%.
Is CBL Life growing?
CBL Life's premium fell 5.1% in FY 2025 while the market in Latvia grew 4.1%.
Sources for this page
Premium, lines, claims paid, solvency (Solvency II own funds and SCR) and profit: Latvijas Banka, public quarterly reports by insurer (Publiskie ceturkšņa pārskati apdrošinātāju dalījumā). Earned premium, claims incurred and expenses (S.05.01): each domestic insurer's SFCR, FY 2021–2025, scaled to its Latvian 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). CBL Life (Latvia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/lv-cbl-life
BibTeXShow entry
@misc{polisa_insurers_lv_cbl_life_2026,
author = {{Polisa}},
title = {CBL Life (Latvia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/lv-cbl-life}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: Latvijas Banka (free with credit, undistorted), State Revenue Service (CC0), insurers' SFCRs (public disclosures, linked).