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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Pension@ease
The flexible group insurance solution for maximum peace of mind.
Defined contribution
A defined contribution payable by the employer and/or the employee
Group funding
Group funding of the individual supplementary pension entitlements
100% Branch 23 or a combination of Branch 23 and Branch 21
Pension@ease is a product with two investment options: 100% in Branch 23 or in combination with Branch 21 to reduce volatility
Shared ROI
A return on investment for plan participants plus the active creation of a buffer for the employer
Risk covers
A wide range of risk covers funded from the budget or from additional resources
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. Plus they can also make use of services to boost their mental resilience (only via the app).
On this page:
A flexible and future-proof group insurance solution
Entitlements allocated separately to each individual plan participant
It's up to you, the employer, to select the category of employees eligible for the group insurance plan and to set the budget.The defined contribution can be expressed as a percentage of the salary or as a lump sum euro amount. This way, you'll know the exact cost of the plan upfront.
You also get to determine upfront how much of the return earned from investing the premiums will be allocated to your staff members each year. The balance held in each plan participant's individual account will grow based on how the ROI is allocated.
The defined contribution plus the allocated return make up the individual entitlements for each plan participant.
Group funding of the pension plan
The premiums for the plan participants will be paid into a group financing fund which serves to build up the individual entitlements. Depending on your objectives and your risk appetite, the group fund may be invested in:
- our wide range of Branch 23 funds with no guaranteed return (i.e. direct investment in the financial markets)
- a combination of Branch 23 plus a bit of Branch 21
You also have the flexibility to adjust your investment strategy and change how you invest the future premiums to take advantage of the latest market conditions.
An innovative funding solution for maximum peace of mind
Pension@ease automatically sets aside a buffer that you, the employer, can use to fund the statutory minimum return or an additional return for your staff members. This way, you can feel confident in the stability of your group insurance funding solution. Le buffer est constitué avec une partie du rendement du fonds de financement. It can therefore be created without any difficulties or budgetary impact.
The ROI formula:
The way the annual return earned on the financing fund is split between your plan participants and the buffer is based on a ROI formula pre-defined in the pension plan regulations. Depending on your preferences and objectives, you can choose from among several formulas that, for example, set objectives in terms of the ROI to be allocated to your staff members and/or the size of the buffer.
For the investment of your funds, you can combine the security of Branch 21 with the higher potential upside of Branch 23.
Hybrid investment of your financing fund
The premiums for your plan participants will be paid into a group financing fund that finances your Pension@ease group insurance.
By investing directly in the financial markets, Branch 23 offers higher upside potential but also comes with higher risk. Fortunately, with our wide range of Branch 23 funds to choose from, you can adjust your risk exposure to match your risk appetite. Another possible solution is a flexible combination that includes a bit of Branch 21 as a way to get more security and less volatility (i.e. frequency and magnitude of the ROI) in your financing fund investment.
The choice is yours!
A unique plus point: digital support
AG Employee Benefits 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 platform that offers a multitude of possibilities, all designed to streamline the data transfer process in a user-friendly environment.
AG Employee Benefits & Health Care has capitalised on the digital revolution to provide you with additional value.
AG EB Online
Enrolling new staff members, managing current plan participants, exchanging other data... less administrative hassle, more convenience for your data transfer needs. With this user-friendly online tool, you're in complete control.
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.
- Handy features
In just a few keystrokes, your plan participants can check the size of their supplementary pension as well as their death benefit coverage. And that’s not all – we’ve also incorporated their healthcare insurance. - Services to help your staff members take care of their health (only on the app)
With the MyAG Employee Benefits app, they'll be entitled to a number of additional services to boost their mental resilience.
Easy access to a wide range of front-line care and support to stay mentally and physically healthy with My Mind by AG.
Information on 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 here (FR - NL). To find out more about AG's approach to sustainable and responsible investing, go to ag.be/investing/sustainability.
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 now offers Branch 21 (FR - NL) and Branch 23 (FR - NL) products that take an even more advanced approach.
Want to find out more? Ask your questions about our Lifecycle Plan 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.