Bonus plan
Pay part or all of your employees' variable remuneration into group insurance: enjoy tax benefits and a compelling return on investment.
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AG Ascento is a comprehensive service for your staff members at the end of their career. Individually-tailored pension advice and guidance, plus plenty of reinvestment options to continue growing their retirement savings.
AG Ascento
Give your staff members a helping hand in worry-free retirement.
The solution for your employees at the end of their career
The AG Ascento concept is an integral part of your pension plan and enables you to offer your staff members a comprehensive service until and even beyond the end of their career.
3 products, 3 solutions
AG Ascento Free, AG Ascento Life and AG Ascento Deposit each have something to offer your employees nearing retirement.
Active advice and guidance, before and after retirement
Shortly before they retire, interested staff members can get individually-tailored advice and information about the payment of their supplementary pension benefits.
On this page:
What is AG Ascento?
AG Ascento combines an extensive service offering with a diverse range of products to help ease the transition from work life to retirement. In addition to individually-tailored advice, your staff members can choose from three products that will continue to grow their supplementary pension nest egg after retirement.
AG Ascento is the single point of contact for all supplementary pension-related questions.
Extensive service offering
As they get closer to the end of their career, your staff members will surely have many questions about their pension. The services provided by AG Ascento will guide your staff members who are about to cash in on their group insurance benefits and help you provide them with all the information they need to prepare for retirement.
This offer includes the following services:
Group presentations at your company for your staff members nearing retirement, with explanations on what they can expect from their group insurance and how to collect their plan proceeds.
Individually-tailored information and advice to help them make the right choice regarding the payment of their supplementary pension proceeds:
- Lump sum or annuity?
- Tax implications
- Estate planning
- Reinvestment of lump-sum pension proceeds
In short , a single point of contact and handy go-to source for many pension-related questions.
Diverse range of products
With our wide-ranging advice and flexible product offering, your retired staff members will find a tailor-made solution for reinvesting their lump-sum pension proceeds:
AG Ascento Free: all or a portion of the group insurance proceeds are invested in one or more funds (Branch 21 and Branch 23) at AG Employee Benefits & Health Care as a way to further grow their retirement savings. Your staff members can switch from Branch 21 to Branch 23 and back again at any time.
AG Ascento Life: all or a portion of the group insurance proceeds are converted into a lifetime annuity.
AG Ascento Deposit : the lump-sum pension proceeds are invested for the short term at a guaranteed rate.
Find out more about the three products that will help your employees make the right choice.