Pension & Decease
Our tailor-made solutions for your pension insurance

Pension savings

Relying solely on your statutory pension to maintain your standard of living? Chances are, it won’t be enough. That’s why taking out supplementary pension insurance is a wise choice. It offers two key benefits: saving for the future and enjoying a tax advantage.

There are two ways you can save for your pension with tax advantage:

• Branch 21 savings insurance: a safe option with a guaranteed return, potentially enhanced by profit sharing.
• Branch 23 investment insurance: a higher-risk option with no guaranteed return but the potential for higher profits, without profit sharing.

Death Insurance

Death insurance also helps you plan ahead for the financial impact your death could have on your loved ones. Who will cover the funeral expenses? Can your family maintain their standard of living if your income is lost?

These financial concerns, on top of emotional distress, are something you’d want to spare them. With death insurance your loved ones receive a capital sum to compensate for the loss of income. You determine the death benefit, the policy duration, and the type of premium (single, fixed, or risk premium).

You can also consider sudden death insurance, which provides financial protection for your next of kin in the event of sudden death due to an accident or specific illnesses. This type of insurance is more affordable than standard death insurance.

Loan protection insurance

Taking out loan protection insurance ensures your next of kin can repay some or all of the outstanding balance on a mortgage loan after your death. This allows your loved ones to stay in the family home without financial strain. A loan protection insurance is linked to your home loan. 

Why choose AlliA for your pension insurance or death insurance?

Which option best suits your risk profile: Branch 21 or Branch 23? Which death insurance policies cover funeral expenses? Why might it be more beneficial in the long run to avoid relying on your bank or lender for loan protection insurance? With our independent position and years of expertise, we are uniquely equipped to recommend an insurance solution tailored to your specific needs and expectations.   

Looking for personalised insurance advice? Discover which pension insurance solutions are best suited to your situation? Feel free to contact our experts.