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In 2022, Denmark ranked first among all European countries in cost of life insurance premiums per capita at more than 5,000 U.S dollars per capita. Sweden and Finland completed the top three at approximately 4,200 and 4,100 U.S. dollars respectively. In comparison, the countries in Central and Eastern Europe all registered values of below 500 U.S. dollars in life premiums per capita.

Value of life insurance premiums per capita in Europe from 2016 to 2022, by country (in U.S. dollars)

Characteristic	2016	2017	2018	2019	2020	2021	2022
Denmark	3,742	4,312	4,590	4,757	4,746	5,804	5,532
Sweden	2,459	2,682	2,653	2,783	2,993	4,579	4,203
Finland	4,106	3,804	4,019	4,037	4,319	4,546	4,099
Ireland	3,640	3,319	4,356	4,490	4,093	4,026	3,678
United Kingdom	3,033	3,730	3,532	3,383	3,574	3,779	3,669
Switzerland	3,700	3,542	2,653	3,502	3,667	2,891	2,730
Norway	2,133	2,131	2,276	2,253	2,052	2,853	2,691
Luxembourg	2,631	3,000	2,995	3,235	2,423	3,634	2,392
France	2,228	2,272	2,370	2,413	1,959	2,594	2,239
Italy	1,890	2,163	2,110	2,039	1,972	2,456	1,966
Belgium	1,528	1,489	1,623	1,592	1,531	1,651	1,449
Germany	1,151	1,234	1,161	1,222	1,281	1,423	1,182
Malta	786	907	916	1,041	730	795	781
Netherlands	964	852	913	832	799	800	657
Austria	781	744	746	690	691	717	626
Spain	744	768	732	654	525	652	601
Cyprus	360	451	500	486	494	579	582
Portugal	712	778	934	763	502	847	577
Slovenia	307	357	409	405	418	415	384
Greece	182	197	207	204	217	266	245
Czechia	223	231	244	217	207	223	213
Iceland	123	159	148	150	142	154	167
Hungary	158	171	180	179	175	202	166
Slovakia	145	175	180	174	159	143	132
Croatia	102	107	122	114	101	115	102
Poland	123	133	115	103	95	103	83
Estonia	72	78	86	85	73	77	63
Lithuania	57	55	59	48	52	58	61
Latvia	26	30	30	70	71	72	60
Russia	22	39	50	43	41	41	47
Bulgaria	29	29	29	29	28	43	38
Montenegro	24	24	29	31	36	38	36
Serbia	28	28	32	32	34	37	35
Bosnia and Herzegovina	21	23	25	26	26	31	32
Romania	21	24	26	25	25	30	27
Turkey	21	23	17	24	24	23	21
Belarus	4	5	6	8	8	9	9
Albania	3	4	4	4	4	5	5
Ukraine	3	3	3	4	4	5	4

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Release date

March 2024

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Region

Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Belarus, Europe, Croatia, Cyprus, Czechia, Denmark, Estonia, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, United Kingdom

Survey time period

2016 to 2022

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