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PKO Życie

PKO groupPolandpkoubezpieczenia.pl ↗#33 of 45 in Poland, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
KNF annual bulletin; lines, solvency and claims from each insurer's SFCR
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for PolandWhat changed

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Premium
€42m
0.2% of Poland
Growth
−33.0%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
100%
100% national · 92% Solvency II life line
Capital cover
247%
SCR ratio · €104m held vs €42m required
Claims and costs
—
life insurer: no ratio for its accident and health riders
In shortNumber 33 of 45 in Poland with 0.2% of premium; its premium fell 33.0% while the market grew 5.7%. It paid €54m in claims, €129 for every €100 of its premium. It holds 2.5 times the capital it must hold.

Latest resultsH1 2026, year to date: €85m of premium, +683.6% on H1 2025 (market +6.6%); share 0.8% (+0.7 pp), #22 of 46. More

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PKO Życie's line mix, and where it stands among the 45 insurers in Poland on each measure, FY 2025.

Line mix
Life92%
Health8%
Size#33 of 45 by premium
€42m
larger than 27%median €120m
GrowthFY 2025 against 2024, in PLN
−33.0%
ahead of 0%median +6.1%
Claims and costs
— life insurer
Capital coverSCR ratio: own funds ÷ SCR
247%
ahead of 74%median 210%
Return on equitynet profit ÷ average equity
50.5%
ahead of 98%median 15.5%

Each bar runs from the weakest to the strongest of the insurers in Poland 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.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
Cardif Polska0.4%0.3%0.4%0.3%0.4%
Erste Allianz Życie0.6%0.6%0.6%0.5%0.4%
PKO Życie0.8%0.7%0.7%0.3%0.2%
Saltus Życie0.1%0.1%0.1%0.1%0.1%
Pocztowe Życie0.1%0.1%0.1%0.1%0.1%

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

Savings and protection in life

Life premium by kind

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Also in the PKO group

    2 companies in 1 market · €191m premium, latest year

    All 2 on the PKO page →
    Polandthis market1 company€149m
    PKO Ubezpieczenia€149m

    Company details

    Legal name
    PKO ŻYCIE TOWARZYSTWO UBEZPIECZEŃ SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    pkoubezpieczenia.pl
    LEI
    259400TWCMDKMV6KYT84

    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 PKO Życie

    Short answers from the figures on this page.

    What is PKO Życie's market share in Poland?

    PKO Życie wrote €41.7m of premium in FY 2025, 0.2% of all premium in Poland, ranking #33 of 45 insurers; its premium fell 33.0% on FY 2024 in PLN.

    Who owns PKO Życie?

    PKO Życie is part of the PKO group, which has 2 companies in one market, Poland (FY 2025).

    What does PKO Życie sell?

    PKO Życie is a life insurer; its largest lines in FY 2025 are life insurance (92.3% of its premium) and health (7.7%).

    Is PKO Życie well capitalised?

    PKO Życie's SCR ratio was 247% at 31 December 2025: it held 2.5 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is PKO Życie profitable?

    PKO Życie made a net profit of €36.8m in FY 2025, a return on equity of 50.5%; the combined ratio of its non-life lines was 103% after reinsurance.

    Is PKO Życie growing?

    PKO Życie's premium fell 33.0% in PLN in FY 2025 while the market in Poland grew 5.7%.

    Sources for this page

    Premium: KNF (Polish Financial Supervision Authority), annual bulletin Rynek ubezpieczeń, tables II.3 and II.15; motor lines from table II.18. Other 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.

    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.

    APA

    Polisa. (2026). PKO Życie (Poland): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/pl-pko-zycie

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_pko_zycie_2026,
  author       = {{Polisa}},
  title        = {PKO Życie (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-pko-zycie}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: KNF (open data, credit KNF), insurers' SFCRs (public disclosures, linked).