Choose a Branche 23 / Tak 231 solution
As an employer, you are required by the government to deliver a minimum guaranteed return3. It is often not possible to achieve this percentage with Branche 21 / Tak 21 products nowadays, and you will then be required to make up the difference. As such, it makes sense to opt for a Branche 23 / Tak 23 solution1.
If you do, there is of course no guaranteed return and good years may alternate with less good ones. However, the long term of the group insurance policy means that risks are evened out, and there is a higher chance that you will be able to meet your financial obligations in full so that your employees can benefit from strong coverage and a healthy boost to their pension pots.
It's also worth thinking about convenience. As an employer, you can choose between 36 different Branche 23 / Tak 231 funds that range from the defensive to the dynamic, including 4 profile funds that are managed internally by NN. That means it's easy to decide for yourself how much risk you want to take. Without having to take on active management yourself. You can leave all that in the safe hands of our experts.
Optional guarantees in case of death and incapacity for work
MultiPlan provides two basic guarantees: a supplementary pension and death cover. You can also add the following optional guarantees to your group insurance policy.
- In the event of death: an extra amount for the next of kin in the event of death due to an accident.
- In the event of incapacity for work:
- Payment of premiums by NN, including maintenance of guarantees and pension savings
- An extra amount in the event of complete and permanent incapacity for work due to an accident
- An annuity payment in the event of incapacity for work due to sickness or accident, whether personal or professional.
Burnout and other psychological conditions are also covered in the supplementary Incapacity For Work cover. We give you the choice between two innovative forms of cover for the same price.
A helping hand when buying real estate
Is your employee planning to acquire a property? With this group insurance policy, you can give them the chance to finance their plans at a better rate, by means of an advance payment on their contract, which comes with some extremely attractive terms. You won't have to deal with any paperwork either, as NN will arrange everything directly with your employee.
As an employer, you obviously have to make sure that your employee effectively uses the advance for a real estate project in the European Economic Area. Otherwise the benefit of the tax deduction disappears for you.
Adjust MultiPlan annually
Each year, you have the option as an employer to adjust the type and amount of the guarantee. At the same time, employees can as well make changes based on their changing personal circumstances. Do they need to make more room for pension savings? Or do they need additional coverage? It's all possible.
Thanks to the online My Workplace application, you as employer have access to everything you need to easily and securely manage your group insurance policy – wherever and whenever you want.