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Classical Life

​ With this group insurance, build up a sizeable supplementary pension nest egg for your staff, tailored to fit your company’s budget and needs. It’s up to you to set the rules of the game as well as the death benefit coverage level.


Choose a defined contribution or defined benefit plan, with or without supplementary death benefit coverage. It’s all about identifying a solution that works best for your company.

Two benefits in one

In addition to earning a guaranteed return, additional profit sharing may also be awarded.

Instant gratification for your staff members

By taking out a cash advance, your staff members can already reap the benefits of their supplementary pension before they reach retirement age.

Streamlined data exchange

Say goodbye to mounds of paperwork. With AG EB Online, manage staff member data quick and easy.

My Global Benefits

The ideal digital solution for your staff members. It’s the go-to place for them to check the size of their supplementary pension nest egg and even manage their choices themselves.


How are the premiums invested?

Premiums are invested in the  AGEmployee Benefits General Fund, a Branch 21-type investment fund that earns a guaranteed return, courtesy of AG Insurance. This way, your staff have the security of knowing that their supplementary pension is safe in our hands.

Depending on investment performance, additional profit sharing may also be awarded on top of the guaranteed return. There is, however, no guarantee that any profit sharing will be paid out and the amount may vary from year to year.

Quickly to

Classical Life offers a variety of possibilities for both employers and their staff

Discover the different possibilities of Classical Life

Classical Life offers employers several different options to choose from, plus an interesting opportunity for staff members.

Options for employers

You can invest the full premium amount into saving towards your staff members’ supplementary pension. Another alternative is to offer extra death benefit coverage, which entitles the beneficiaries to a lump-sum payment if the staff member passes away before reaching retirement age. This way, you protect your employees as well as their families.

You can also choose between a defined contribution or a defined benefit plan. In a defined contribution plan, you make regular fixed payments into the supplementary pension plan. In a defined benefit plan, the premium will vary depending on the benefit formula used for the plan, e.g. twice the participant’s gross annual salary.

Interesting opportunity for staff members: a cash advance

Your staff members have the option to take out a cash advance on their group insurance benefits. The funds can be used to buy, build or remodel real estate (such as a holiday home) or to pay off a mortgage loan. The same guaranteed return and profit sharing will continue to apply to the entire group insurance benefit amount, including the cash advance.

AG Employee Benefits is committed to digitally support you.

Unique plus point: a digital support

AG Employee Benefits has capitalised on the digital revolution to provide additional value to its customers. For the benefit of you and your staff members, we’ve developed a unique digital platform that offers a multitude of possibilities, all designed to streamline the data transfer process, and in a user-friendly environment.

AG EB Online

Whether it’s to enrol new employees, manage existing plan participants or transfer other data, you’ll be happy to know that your days of endless paperwork are over. It’s all right at your fingertips with our unique, user-friendly web application.

Experience AG EB Online

My Global Benefits

The market’s very first digital supplementary pension platform for employees. In just a few keystrokes, your participants can check the size of their supplementary pension as well as their death benefit coverage. And that’s not all - we’ve even incorporated their healthcare plans if applicable.

More information about My Global Benefits

AG does in terms of sustainability

At AG, we are convinced that sustainable investment is central to successful long-term investment.  This is reflected in our general investing policy (FR​ - NL) which includes environmental, social and governance factors (ESG), and takes into account sustainability risks. Therefore, all our clients can be assured their investment is made in a socially responsible way.

For the clients who would like to go an extra mile, AG now also offers different Branch 21 products following a even more advanced approach described here (FR - NL​)​.

ant to find out more?

Send in your questions about Classical Life or request a non-binding quote via the contact button. 

Do you have a question?

Contact one of our sales managers