FFFS 2018:10

Finansinspektionen’s regulations regarding insurance distribution

In force from 2018-10-01


The regulations contain rules on how insurance distributors shall conduct their business and interact with their clients. The rules apply to, for example, the contents of the authorisation application, required knowledge and competence, remuneration systems for employees, advice based on impartial and personal analysis, and special provisions for distribution of insurance-based investment products and some pension insurance.

The new regulations are part of the implementation of the Insurance Distribution Directive (IDD).

The regulations enter into force on 1 October 2018, with some exceptions.


FI adds a disclosure that there are additional provisions set out in Finansinspektionen's regulations (FFFS 2022:20) regarding a pan-European personal pension product for insurance distributors that are PEPP providers or PEPP distributors pursuant to Regulation (EU) 2019/1238 of the European Parliament and of the Council of 20 June 2019 on a pan-European Personal Pension Product (PEPP).

The amendments enter into force on 1 January 2023. Amendment 2022:27

The amendments raise the amounts that an insurance intermediary's liability insurance shall cover. The objective is maintain an even level of protection in the liability insurance over time. A number of editorial changes were also made. Amendment 2020:4