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Security report for skandia.se

Livförsäkringsbolaget Skandia, ömsesidigt · Finance · Sweden

Low risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

79/100

Risk levelLow

0–100, higher is better. How it is calculated

Skandia is a well-established Swedish financial services company specializing in life insurance, pension savings, banking, and health-related financial products. The website demonstrates a strong market position with a comprehensive offering targeting private individuals, businesses, and the public sector. The company emphasizes customer satisfaction and provides extensive advisory services and digital tools for pension management. Technically, the site uses modern frameworks such as React and Semantic UI, hosted on a robust CMS platform (EPiServer), and integrates Adobe Experience Platform for analytics and marketing. Security posture is strong, with HTTPS enforced, security.txt published, and cookie consent mechanisms in place. No critical vulnerabilities or blocking mechanisms were detected, indicating a mature security approach. Overall, the site is professional, accessible, and compliant with GDPR and other privacy regulations.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

4 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      Third-party services without privacy policy

      Detected services: Facebook, Twitter, LinkedIn

      What to do: Document all third-party data sharing in your privacy policy

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

Need hands-on remediation? Email guard@offseq.com

Keep watching skandia.se

This scan found 12 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
80
Security headers
90
Email security
87
DNS health
75
Network security
100
GDPR outside view
40
Average
79

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Skandia operates primarily in the finance sector, offering pensions, insurance, and banking services. Its business model includes direct customer engagement through digital platforms and personal advisory. The company leverages partnerships for services like pension power of attorney and pension overview. The presence of a dedicated career site and foundation indicates organizational maturity and community engagement. The website content and structure reflect a customer-centric approach with clear navigation and comprehensive product information. Skandia's market position is reinforced by references to customer satisfaction surveys and awards. The company targets a broad audience including private customers, companies, and public sector entities, supporting growth and diversification.

Security posture

The website exhibits a high security maturity level with HTTPS enforced and multiple security headers implemented. The presence of a security.txt file with clear contact information and a responsible disclosure policy demonstrates proactive incident response readiness. Cookie consent and privacy policies align with GDPR requirements, indicating compliance focus. No exposed sensitive data or vulnerable libraries were detected. The use of modern JavaScript frameworks is well managed, and no signs of WAF or blocking mechanisms were found, suggesting a stable and secure hosting environment. Recommendations include maintaining library updates and enhancing transparency around data protection officers and incident response frameworks.

Recommendations

  1. Maintain up-to-date third-party libraries and frameworks to mitigate emerging vulnerabilities.
  2. Publish explicit Data Protection Officer contact details to enhance GDPR transparency.
  3. Expand incident response documentation to include recognized security frameworks or certifications.
  4. Consider adding additional security headers such as Expect-CT for enhanced SSL/TLS security.
  5. Conduct regular penetration testing and vulnerability assessments to proactively identify risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Livförsäkringsbolaget Skandia, ömsesidigt
Description
Skandia is a strong life insurance company, fund insurance company, and award-winning bank offering services for savings, security, and health.
Key services
Pension savings, Life and health insurance, Mortgage loans, Banking services, Personal and corporate advisory
Content quality
excellent
Branding
consistent

Technology

Stack
React 18.2.0, Semantic UI React 2.1.4, Helium Web UI React 18.4.3, Adobe Launch (Adobe Experience Platform Launch), EPiServer CMS
Frameworks
React, Semantic UI
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Security.txt published with contact and policy
  • Cookie consent banner implemented
  • No exposed sensitive data found
  • Use of modern JS libraries with no known vulnerabilities detected

Analytics and tracking

Services
Adobe Analytics (via Adobe Launch)
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Launch
Marketing tools
Adobe Experience Platform Launch
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and professional design.
  2. Strong focus on pension, insurance, and banking services for private, corporate, and public sectors.
  3. Comprehensive cookie and privacy policies with GDPR compliance.
  4. Security.txt file published with clear security contact and responsible disclosure policy.
  5. Use of modern web technologies and frameworks.
  6. Multiple contact channels including phone, email, and contact forms.
  7. No signs of WAF or content blocking.
  8. WHOIS data for subdomain not found, but this is expected; no suspicious indicators found.
Technical notes

Notes

The website is built on a modern technology stack including React 18.2.0, Semantic UI React, and Helium Web UI React, integrated within an EPiServer CMS environment. Adobe Experience Platform Launch is used for analytics and marketing automation. The site demonstrates good mobile optimization and accessibility features. Performance is moderate, likely influenced by rich media content and third-party scripts. The site structure is clear with well-defined navigation and SEO-friendly meta tags. Hosting details are not explicitly identified but the use of EPiServer and Adobe tools suggests enterprise-grade infrastructure. Opportunities exist to optimize performance further and enhance technical documentation for security and compliance.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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