Survivor’s pension

These agreements are first paid as a child’s pension to any children under 21 years of age. Disbursements are up to 1 G per year in total across the schemes, until the child turns 21 years of age.

If there is anything left after the child's pension has been paid out, or if you do not have children under the age of 21, this will go to your spouse/cohabitant and be paid out over at least ten years.

If you do not have children or a cohabitant / spouse, the money is paid directly to the deceased’s estate as a lump sum

For risk pensions linked to defined contribution and defined-benefit pensions, it is determined in advance whether a person (and which person) can receive a payment if you die. There may be coverage for:

Spouse’s pension
Cohabitant’s pension
Child’s pension for children under 18 or 21 years

However, there are specific rules that must be met before the money can be paid out. Some policies have no coverage for survivors at all.

If no one meets the requirements for a survivor's pension, the agreement is terminated – and nothing is paid out.

Paid out in the same order as the own pension account scheme and defined-contribution pension

For paid-up policies and paid-up policies with investment options, it is determined in advance whether a person (and which person) can receive a payment if you die. There may be coverage for:

Spouse’s pension
Cohabitant’s pension
Child’s pension for children under 18 or 21 years

However, there are specific rules that must be met before the money can be paid out. Some policies have no coverage for survivors at all.

If no one meets the requirements for a survivor's pension, the agreement is terminated – and nothing is paid out

There are different rules for who is entitled and a more detailed description will be given in the insurance certificate.