Winner Life
Sources and updates
- Source
- ISA reports on insurance companies; solvency margin, not Solvency II
- 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: €5.7m of premium, +10.8% on H1 2025 (market −0.6%); share 3.7% (+0.4 pp), #12 of 16. More
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Winner Life's line mix, and where it stands among the 17 insurers in North Macedonia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in North Macedonia 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 |
|---|---|---|---|---|---|
| Croatia Life | 5.9% | 5.6% | 5.1% | 5.2% | 5.2% |
| Triglav Life | 1.7% | 2.9% | 3.1% | 3.7% | 3.7% |
| Winner Life | 3.0% | 3.1% | 3.4% | 3.7% | 3.6% |
| GRAWE Life | 4.5% | 3.9% | 3.5% | 3.5% | 3.0% |
| SIGAL Life | 2.1% | 2.2% | 2.1% | 2.0% | 2.0% |
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
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 VIG group
36 companies in 18 markets · €9.28bn premium, latest year
Also in Lithuania · €510mBulgaria · €364mLatvia · €254mSerbia · €169mCroatia · €167mEstonia · €110mAlbania · €55mSlovenia · €54mBosnia and Herzegovina · €52mMoldova · €21mKosovo* · €15mMontenegro · €14m
Ownership and events
Company details
- Legal name
- Акционерско друштво за осигурување ВИНЕР ЛАЈФ - Виена Иншуренс Груп Скопје
- Registered seat
- Skopje, North Macedonia
- Website
- winnerlife.mk
- Employees
- 41 (2025; 32 in 2022, 33 in 2023, 39 in 2024)
- Premium per employee
- €254k (FY 2025; median for life insurers in North Macedonia: €228k; 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 31 December, from the notes to each insurer's audited financial statements or its annual report filed with the Macedonian Stock Exchange; the supervisor publishes only the sector total, which they match (2,012 of 2,016 in 2025).
Questions about Winner Life
Short answers from the figures on this page.
What is Winner Life's market share in North Macedonia?
Winner Life wrote €10.4m of premium in FY 2025, 3.6% of all premium in North Macedonia, ranking #13 of 17 insurers; its premium grew 10.0% on FY 2024 in MKD.
Who owns Winner Life?
Winner Life is part of the VIG group, which has 36 companies in all 18 markets on Polisa (FY 2025).
What does Winner Life sell?
Winner Life is a life insurer; all its premium in FY 2025 is life insurance.
Is Winner Life well capitalised?
Winner Life's solvency margin was 323% at 31 December 2025: it covered its required solvency margin 3.2 times, against a median of 298% for the insurers in North Macedonia (local rules, not Solvency II).
Is Winner Life profitable?
Winner Life made a net profit of €1.15m in FY 2025, a return on equity of 17.6%.
Is Winner Life growing?
Winner Life's premium grew 10.0% in MKD in FY 2025, slower than the market in North Macedonia (+12.3%).
Sources for this page
Premium, lines, claims and solvency margin: ISA (Insurance Supervision Agency of North Macedonia), quarterly reports on insurance companies. 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). Winner Life (North Macedonia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/mk-winner-life
BibTeXShow entry
@misc{polisa_insurers_mk_winner_life_2026,
author = {{Polisa}},
title = {Winner Life (North Macedonia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/mk-winner-life}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: ISA (no re-use terms published), MSE (personal non-commercial use only).