Get the dataData

Unum Życie

Unum groupPolandunum.pl ↗#18 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
€181m
0.9% of Poland
Growth
+19.5%
FY 2025 vs 2024, in PLN · market +5.7%
Life share
100%
100% national · 52% Solvency II life line
Capital cover
199%
SCR ratio · €219m held vs €110m required
Claims and costs
—
life insurer: no ratio for its accident and health riders
In shortNumber 18 of 45 in Poland with 0.9% of premium, growing faster than the market. Strongest in Health, with 7.8% of the line. It paid €86m in claims, €47 for every €100 of its premium. It holds 2.0 times the capital it must hold.

Latest resultsH1 2026, year to date: €98m of premium, +12.6% on H1 2025 (market +6.6%); share 0.9% (±0.0 pp), #19 of 46. More

Fingerprint

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

Line mix
Life52%
Health48%
Size#18 of 45 by premium
€181m
larger than 61%median €120m
GrowthFY 2025 against 2024, in PLN
+19.5%
ahead of 89%median +6.1%
Claims and costs
— life insurer
Capital coverSCR ratio: own funds ÷ SCR
199%
ahead of 43%median 210%
Return on equitynet profit ÷ average equity
4.3%
ahead of 15%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
UNIQA Życie1.2%1.2%1.2%1.2%1.2%
Generali Życie1.5%1.4%1.2%1.2%1.1%
Unum Życie0.5%0.6%0.7%0.8%0.9%
ERGO Hestia Życie0.6%0.7%0.8%0.8%0.8%
Credit Agricole Życie0.6%0.6%0.6%0.5%0.6%

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

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 Unum group

    1 company in 1 market · €181m premium, latest year

    No other company of this group in the markets covered.

    Company details

    Legal name
    UNUM ŻYCIE TOWARZYSTWO UBEZPIECZEŃ I REASEKURACJI SPÓŁKA AKCYJNA
    Registered seat
    Warsaw, Poland
    Website
    unum.pl
    LEI
    259400UXP7KU8JKU2J72

    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 Unum Życie

    Short answers from the figures on this page.

    What is Unum Życie's market share in Poland?

    Unum Życie wrote €181m of premium in FY 2025, 0.9% of all premium in Poland, ranking #18 of 45 insurers; its premium grew 19.5% on FY 2024 in PLN.

    Who owns Unum Życie?

    Unum Życie is part of the Unum group, its only company in the 18 markets on Polisa (FY 2025).

    What does Unum Życie sell?

    Unum Życie is a life insurer; its largest lines in FY 2025 are life insurance (52.4% of its premium) and health (47.6%).

    Is Unum Życie well capitalised?

    Unum Życie's SCR ratio was 199% at 31 December 2025: it held 2.0 times the capital Solvency II requires, against a median of 210% for the insurers in Poland.

    Is Unum Życie profitable?

    Unum Życie made a net profit of €1.39m in FY 2025, a return on equity of 4.3%; the combined ratio of its non-life lines was 110% after reinsurance.

    Is Unum Życie growing?

    Unum Życie's premium grew 19.5% 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). Unum 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-unum-zycie

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_pl_unum_zycie_2026,
  author       = {{Polisa}},
  title        = {Unum Życie (Poland): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/pl-unum-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).