The Alm. Brand A/S Group is a Danish financial services group consisting of a listed holding company and a number of subsidiaries operating within non-life insurance, banking and life and pension insurance.



Alm. Brand is the fourth-largest non-life insurer in Denmark. We offer a broad range of insurance products targeting the personal, commercial and agricultural segments.

We have about 500,000 customers, equal to a market share of about 10%.


At Alm. Brand, our goal is to have satisfied customers with whom we can develop long-term business relations. We base our business on the concept of "ordinary common sense" and strive to be known as a trustworthy, reliable and fair insurance company. To achieve these goals, we focus mainly on ordinary people in all customer segments throughout the country. Through this approach we are able to implement standard working procedures and standardise our products, thereby reducing our administrative costs.


Focused on providing service where the customer needs it, Alm. Brand maintains strong local representation through insurance shops, independent insurance shops and business partners. We are working to make our existing sales channels even more efficient and are focusing on internet-based self-serve functionality.



The life group's business focus is on individual and small corporate schemes rather than on actual labour market pension schemes.

Our target groups are private individuals, farmers and owners and employees of small businesses. We offer a corporate pension concept tailored to the needs of these customer groups. Personalised advice, freedom of choice and transparency are key concepts for all target groups. 

The product range comprises insurance cover and various types of savings. The most important types of insurance are death cover, disability cover and critical illness cover, whereas savings comprise capital pension plans, instalment pensions and annuity schemes.

We offer pension savings tailored entirely to individual customer needs and requirements and placed at the customer's option with the life insurance company or with Alm. Brand Bank.



Alm. Brand Bank is a nation-wide bank with some 50,000 private customers measured in terms of households. The bank’s activities comprise forward-looking activities and winding-up activities.


Our products meet our customers’ financial needs. We offer:

  • Banking products and services to private customers 
  • Financial Markets services, comprising bond, equity and currency trading and research (Markets) and asset management services (Asset Management)
  • Leasing of cars to private and commercial customers 

The strategy forms part of Alm. Brand’s aim of offering our customers comprehensive financial solutions across insurance, pension and banking.

In addition, the bank has a portfolio of exposures to small and medium-sized businesses, agricultural customers and mortgage deeds, which is being wound up.

Articles of association

The articles of association of Alm. Brand A/S are approved by the shareholders in general meeting. 


For the articles of association of other companies in the Alm. Brand Group, please contact our Investor Relations Manager. 


Articles of association: Alm. Brand A/S


Articles of association: Alm. Brand Bank