Employee Benefits
AG EB ONLINE
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.
All benefits consolidated in one handy app
With MyAG Employee Benefits, your employees can access their benefits anytime and from anywhere they want, via their computer or their app. Plus, they also benefit from services to improve their mental resilience (only via the app).
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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:
our wide range of Branch 23 funds with no guaranteed return (i.e. direct investment on the financial markets)a combination of Branch 21 & Branch 23
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.
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.
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
MyAG Employee Benefits
It's a secure, user-friendly app and platform for plan participants to find out everything they want to know about their corporate-sponsored group insurance. On the app, your employees can access their covers, anytime and anywhere. All of the MyAG Employee Benefits features are also available via your computer, but the services are only accessible via the MyAG Employee Benefits app.
The very first fully customised web-based platform for corporate-sponsored supplementary insurance. It’s the go-to source for your staff to find out everything they need to know about their supplementary benefits you have carefully hand-picked for them via
AG Employee Benefits.
1. Handy features wherever and whenever your employees want them
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.
2. Services to help your staff members take care of their health (only on the app)
With the MyAG Employee Benefits app, you'll be entitled to many additional services to boost your mental resilience.
Easy access to a wide range of front-line care and support to help you stay mentally and physically healthy.
My Mind by AG.
Do you have a question?
Contact one of our sales managers
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