Northern1 International Insurance Brokers OÜ (Northern1) is an insurance brokerage company which is entered into the list of insurance brokers of the Financial Supervision Authority ( and who engages, for a remuneration and based on a brokerage contract, in insurance distribution. Northern1 is licensed to conduct insurance mediation activities in all European Union countries and Iceland.

It is known that in Estonia, dental care for adults is supported by the state in a minimal amount. Northern1, together with an international insurer, took a risk and started mediating the first private dental insurance contracts in Estonia in 2008, so that like in other developedn countries Estonians would have an opportunity to insure their possible dental expenses if they wish to do that.

Northern1, in its relations with various insurers, has established that due to the specificity of the insurance risk, only one insurance company, XL Insurance Company SE, offers independent dental insurance to persons using dental services in Estonia, whose insurance contracts are directly mediated directly to policyholders by Northern1.

A+ rated insurer

Dental insurance risk ist taken by insurer’s AXA Group subsidiary XL Insurance Company SE in Ireland ( AXA Group is one of the three largest insurance companies in the world. Insurers’ stability and strength is demonstrated by the Financial Strength Ratings, which is an assessment of an insurer’s ability to meet its obligations to policyholders. For XL Insurance Company SE, the financial strength rating is the A + given to those insurance companies that have the best ability to meet their insurance obligations.