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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With the hosting structure, staff members can take their accrued supplementary pension reserves with them if ever they change employers.
Hosting structure
5 key benefits in a nutshell
Retirement savings continue to grow
Via the hosting structure, your staff members can secure the future of their accrued supplementary pension reserves.
Death benefit coverage remains intact
With the hosting structure, the beneficiaries will be entitled to the accrued reserves in the event of your (former) staff member's death.
Immediate gratification for your staff members
By taking out a cash advance, your employees can reap the benefits of their supplementary pension nest egg even before they retire.
Flexible investment options
Give your (former) staff members the opportunity to invest their reserves in Branch 21 or Branch 23.
All benefits in one handy app
With MyAG Employee Benefits, your staff members can access their benefits anytime and anywhere, via their computer or app.
On this page:
What is a hosting structure?
Employees who change employers often wonder what will happen to the reserves they have accrued with their group insurance plan. A hosting structure gives them a choice: they can either keep their supplementary pension reserves invested in their former employer's plan and become a dormant participant, or continue to earn a return in a hosting structure. You can set up this hosting structure for new staff members (hosting structure IN as well as for your current employees if ever they leave your company (hosting structure OUT). With the hosting structure, the accrued supplementary pension reserves will follow the employees wherever their career takes them.
Your staff members can invest in Branch 21 or Branch 23.
Capital appreciation for retirement savings
The supplementary pension nest egg will continue to grow in the hosting structure until retirement. Employees can decide for themselves how they want to invest their supplementary pension reserves in our range of investment funds:
Branch 21, with a guaranteed return plus the possibility to earn profit sharing. There is, however, no guarantee that any profit sharing will be awarded and the amount may vary from year to year.
Branch 23, with a return that will vary depending on the selected funds.
Retirement: lump sum or annuity
If your (former) employees are still alive on their expected retirement date, they will be entitled to collect their accrued supplementary pension reserves. They also have the option to convert the lump-sum proceeds into a periodic annuity, which will be paid out to them for the rest of their lives.
Death benefit coverage and cash advance
Death benefit coverage
Depending on the pension plan with the previous employer, it's possible that no benefits will be paid out in the event of death prior to retirement. Any death benefit coverage provided via the previous plan can no longer be claimed. This is not the case with a hosting structure, as the beneficiaries would be entitled to the accrued reserves if the employee dies while in service.
Cash advances
You can also give your staff members the option to take out a cash advance against their supplementary pension benefits. This way, they can use some of their accrued pension savings before their retirement to purchase or renovate real estate or to pay off a mortgage loan.
With the hosting structure, the death benefit coverage remains intact
AG has capitalised on the digital revolution to provide you with additional value.
A unique plus point: digital support
AG Employee Benefits & Health Care has capitalised on the digital revolution to provide you with additional value. For the benefit of you and your staff members, we've developed a unique digital support solution that offers a multitude of possibilities, all in a user-friendly environment.
MyAG Employee Benefits
It's a secure, user-friendly app and platform for plan participants to find out everything they want to know about their corporate-sponsored group insurance. In the app, your employees can access their covers, anytime and anywhere. All of the features in MyAG Employee Benefits are also available via your computer, but the services are only accessible via the MyAG Employee Benefits app.
To find out more about MyAG Employee Benefits
Want to find out more? Ask your questions about our hosting structure or request a non-binding offer via the contact button.
Information about sustainability
Depending on the selected funds, the plan incorporates ESG factors that allow it to make a positive impact on the environment and/or society and to limit negative impacts on the environment and/or society, through an appropriate selection of investments. Information on these ESG factors is available (FR - NL). To find out more about AG's approach to sustainable and responsible investing, go to ag.be/investing/sustainability (FR - NL).
You will also find more information in the Sustainability Fact Sheet (FR - NL) for each of the available funds in this product as well as the corresponding annual report (FR -NL).
For customers looking to double down on their commitment to ESG, AG also offers Branch 21 and Branch 23 products that take an even more advanced approach (FR - NL).
Want to find out more? Ask your questions about e-volulife or request a non-binding offer via the contact button. You can also check the AG EB Invest dashboard for a clear and detailed overview of each of our funds.