How certain is your pension?



The accrual and payment of pension extend over a very long period. From the start of the accrual until the last pension payment may be as long as 80 years. The world changes over such a period, giving rise to risks that threaten your pension. The risks may lead to a deficit.

Insurers base their rates on a number of factors, including:

  1. the interest rate;
  2. the life expectancy of people;
  3. reimbursement of the costs they incur.


For more information about the ultimate amount of your pension, refer to or your personal section on the website. Personal information is added to this over time.

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