AMFs mission is to deliver good and cost efficient pensions for over 4 million customers. The payments are a security for many people and it is a necessity that they work properly and are easy to understand. AMF can do this thanks’ to Itello’s well-managed solution for outgoing payments. Consolidation of insurance policies is another way to decrease the fees for the customers. As an example-, 2 million SAF-LO (one of the largest collectively negotiated pension plans in Sweden) members could lower their fees by 300 million SEK- per year! In this respect, both AMF and Itello have proven to be forerunners in the industry. An exceptionally low cost structure requires a high level of digitalization and integration to the parties in the industry to reach the full potential of the digitalization. Regardless if the customer chooses a traditional or a unit-linked life insurance plan.