Choose the retirement benefit that's right for you

When you retire, you need to convert your retirement capital into a monthly benefit. But how do you know which option best suits your situation? With clear explanations, handy tools and personal advice, Certainly in Retirement makes this process clear and understandable.

This is how purchasing your retirement benefit works

On your retirement date, your accumulated pension capital is released. You use this amount to purchase your lifelong pension benefit. You are free to choose which insurer will provide this benefit for you - so you are free to choose who you do this with.

With the pension comparer of Zeker in Pensioen you can easily compare the proposals of several insurers. This way you always choose the offer that suits you best.

What type of retirement benefit suits you?

Every situation is different. That's why there are several options for how you have your pension paid out:

Equal benefit

A fixed, guaranteed amount - every month, throughout your life. Ideal if you want security and no more risk in investing.

High-low benefit

First a higher benefit (say 5 or 10 years), then a lower one. Useful if you need more in the first few years, for example if you are not yet receiving AOW or still have plans for which additional income is desired.

Variable benefit

Your pension is partially invested. If returns are good, your benefits increase, but they can also be disappointing. This suits you if you dare to take more risk for potentially higher income.

Had a pension with multiple employers? Bundle your pension capital.

Have you accrued pensions with different employers? Then you can combine these capitals into a single benefit. This often results in a better offer from insurers and a better overview.

Shop right: choose who you purchase your pension from.

You don't have to buy your benefit from the party where your pension was accrued. You have shopping rights: you can choose which insurer you purchase your pension from. Certainly in Pension helps you make this choice - with an independent comparison tool and personal advice.

Get in touch

Would you like to speak to one of our specialists? Feel free to ask your questions by phone, form or e-mail. We are happy to assist you.

Pension Comparator

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