Security

This is reflected in the following guarantees and safeguards.

• Security for partner and children if the employee dies
  A full survivor pension is insured for the employee. If the employee dies before retirement, the survivor pension is paid out to the survivors. The balance in the investment account reverts to the other AEGON PPI members.
• Secure pension accrual if the employee is incapacitated for work
  If the employee becomes incapacitated for work, his pension accrual is wholly or partly continued, depending on the occupational disability percentage.
• Option to purchase a guaranteed pension
  Employees can opt to convert the balance in their investment account into a guaranteed pension.
• Life cycle investing with interest rate risk cover
  The employee invests individually to build a pension. Each employee has his own investment account. Every month the employer pays an amount – known as the defined contribution – into this investment account. The defined contribution is invested in one or more investment funds, depending on the employee’s choice of investment method. The employee can choose to self-manage the investments or to entrust this to AEGON (Life cycle investing). As the retirement date draws closer, AEGON automatically reduces the investment risk. On retirement date, the employee uses the accrued balance in the investment account to purchase a lifelong pension.
• Extra survivor pension (‘Anw-hiaatpensioen’)
  The employee can opt to insure extra survivor pension (‘Anw-hiaatpensioen’).

AEGON PPI thus offers a comprehensive pension scheme: up-to-date and secure – for employers and employees alike. A scheme that you can safely recommend without worrying about possible future risks.