Get the dataData

PZU Życie

PZU groupPolandpzu.pl ↗#3 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

Compare with nearest rivals →Compare →
Share
LinkedIn
Premium
€2.53bn
11.9% of Poland
Growth
+6.3%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
100%
100% national · 91% Solvency II life line
Capital cover
360%
SCR ratio · €2.68bn held vs €743m required
Claims and costs
—
life insurer: no ratio for its accident and health riders
In shortNumber 3 of 45 in Poland with 11.9% of premium, growing faster than the market. Strongest in Health, with 20.7% of the line. It paid €1.61bn in claims, €64 for every €100 of its premium. It holds 3.6 times the capital it must hold.

Latest resultsH1 2026, year to date: €1.29bn of premium, +1.7% on H1 2025 (market +6.6%); share 11.7% (−0.6 pp), #3 of 46. More

Fingerprint

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

Line mix
Life91%
Health9%
Size#3 of 45 by premium
€2.53bn
larger than 95%median €120m
GrowthFY 2025 against 2024, in PLN
+6.3%
ahead of 52%median +6.1%
Claims and costs
— life insurer
Capital coverSCR ratio: own funds ÷ SCR
360%
ahead of 95%median 210%
Return on equitynet profit ÷ average equity
37.7%
ahead of 90%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
PZU Życie12.8%12.1%11.8%11.9%11.9%
Allianz Życie3.1%3.5%3.3%3.3%3.3%
Nationale-Nederlanden2.4%2.3%2.9%2.8%2.6%
Vienna Life1.6%1.6%1.5%1.9%2.1%
Warta Życie1.7%1.6%1.8%1.9%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

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 PZU group

    8 companies in 4 markets · €8.11bn premium, latest year

    All 8 on the PZU page →
    Polandthis market3 companies€4.87bn
    PZU€4.27bnTUW PZUW€367mLink4€236m
    Lithuania2 companies€434m
    Lietuvos draudimas€405mPZU Lietuva gyvybės draudimas€28m
    Latvia1 company€198m
    Balta€198m
    Estonia1 company€86m
    Lietuvos draudimas (branch)€86m

    Company details

    Legal name
    POWSZECHNY ZAKŁAD UBEZPIECZEŃ NA ŻYCIE SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    pzu.pl
    LEI
    549300TNSHGVU2UXO005

    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 PZU Życie

    Short answers from the figures on this page.

    What is PZU Życie's market share in Poland?

    PZU Życie wrote €2.53bn of premium in FY 2025, 11.9% of all premium in Poland, ranking #3 of 45 insurers; its premium grew 6.3% on FY 2024 in PLN.

    Who owns PZU Życie?

    PZU Życie is part of the PZU group, which has 8 companies in 4 of the 18 markets on Polisa (FY 2025).

    What does PZU Życie sell?

    PZU Życie is a life insurer; its largest lines in FY 2025 are life insurance (91.0% of its premium) and health (9.0%).

    Is PZU Życie well capitalised?

    PZU Życie's SCR ratio was 360% at 31 December 2025: it held 3.6 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is PZU Życie profitable?

    PZU Życie made a net profit of €464m in FY 2025, a return on equity of 37.7%; the combined ratio of its non-life lines was 84% after reinsurance.

    Is PZU Życie growing?

    PZU Życie's premium grew 6.3% in PLN in FY 2025, faster than the market in Poland (+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). PZU 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-pzu-zycie

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_pzu_zycie_2026,
  author       = {{Polisa}},
  title        = {PZU Życie (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-pzu-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).