Pension

Pension@ease


Defined contribution

Defined contribution premium paid by the employer and/or the employee.

Collective financing

Collective financing of individual supplementary pension entitlements.

Combine Branch 21 and Branch 23 investments

Option to combine Branch 21 and Branch 23 investments in the collective financing fund.

Investment yield allocation

Investment yield allocated to the plan participants whilst actively building up a buffer for the employer.

Broad range of risk covers

Extensive range of risk covers financed in or on top of the budget.
































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​​A flexible and future proof group insurance solution​


Entitlements allocated separately to each individual plan participant

It's up to you, as employer, to select the category of employees eligible for the group insurance plan and to set the budget. The defined contribution premium can be expressed as a percentage of the salary or as a lump sum euro amount. This way, you'll know the exact cost of the plan upfront

You also get to determine upfront how much of the yield earned on the premiums will be allocated to your staff members each year. The balance held in each plan participant's individual account will accrue based on the return earned on the premiums. 

The defined contributions premiums plus the allocated yield make up the individual entitlements for each plan participant.

Collective financing of the pension plan

The premiums for the plan participants will be paid into a collective financing fund used to build up the individual entitlements. Depending on your objectives and your risk appetite, you have the option to link this collective fund to:

Branch 21 insurance solution with a return1 guaranteed by AG
our wide range of Branch 23 funds with no guaranteed return (i.e. direct investment on the financial markets)​combination of both


You also have the flexibility to adjust your investment strategy and change how you invest the future premiums to take advantage of the latest market conditions.


1The interest rate can be revised upwards or downwards according to the "savings account" principle (otherwise known as the "vertical method").​

Quickly to

Innovative financing solution for maximum peace of mind​


Pension@ease automatically sets aside a buffer that you, as employer, can use to finance the statutory minimum return or an additional yield for your staff members. This way, you can be confident of a stable group insurance financing. As the buffer grows by holding back a share of the return on the financing fund, it feels effortless and has no impact on the budget

The yield formula:

The yield formula is predefined in the pension plan regulations and determines how the annual yield on the collective fund will be split between the plan participants' accounts and the buffer set aside by the employer. Depending on your preferences and objectives, you can choose from a number of formulas that, for example, set objectives in terms of the yield to be allocated to your staff members and/or the size of the buffer.
Hybrid investment of your financing fund
For the investment of your financing fund, you can combine the security of branch 21 with the yield potential of branch 23.

Hybrid investment of your financing fund​


The premiums for your plan participants will be paid into a collective financing fund that finances your Pension@ease group insurance plan. Interested in combining the security of Branch 21 with the higher potential upside of Branch 23? No problem! 

The guaranteed interest rate1 in Branch 21 insurance offers you security and at the same time efficiently reduces the volatility (or fluctuating returns) of your collective fund investment. With Branch 23, on the other hand, involves direct investment in the financial markets, so while this financing solution offers a higher potential return, it also comes with higher risk. Fortunately, with our broad range of Branch 23 funds to choose from, you can adjust your risk exposure to match your risk appetite. A flexible mix of both will likely give you best of both worlds.

1The interest rate can be revised upwards or downwards according to the "savings account" principle (otherwise known as the "vertical method").​
AG Employee Benefits is fully committed to your digital support.
AG Employee Benefits is fully committed to your digital support.

Unique advantage: 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 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 this user-friendly web application.

Find out more about 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.

More information about My Global Benefits

AG 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 23 products following a even more advanced approach described here (FR - NL​)​.


Want to find out more?
Send in your questions about Pension@ease or request a non-binding quote via the contact button.​






































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