Supplementary cover Scala Privilege, Scala Free Pension, Scala Executive and Scala Corporate

Aanvullende risicowaarborgen

As well as a supplementary pension for later in life, you want peace of mind for the present. What if you contract a long-term illness, have an accident, or worse? What's more, the wonderful feeling you get from providing your family with a financial buffer against whatever life throws at you is often less expensive than you might think.

Extra financial protection for self-employed professionals like you

  • Protects your quality of life and the future of your loved ones
  • Covers incapacity for work and death
  • The ideal complement to your employer pension fund, group insurance policy or private supplementary pension, within an attractive tax framework.

Choose peace of mind with these optional forms of cover:

Optional death benefit payable to your next of kin:

  • payment of an additional fixed amount on top of your savings reserve
  • payment of an extra fixed amount if you die in an accident
  • an orphan lump sum for your children should you and your partner pass away within 12 months of each other

Optional protection for you and your family in the event of incapacity for work

  • NN takes over paying the premiums for your pension savings (life) and your death cover for the period of your incapacity for work
  • a replacement income or guaranteed income protects your quality of life
  • a bridging annuity to pay your fixed costs for a defined period
  • payment of an extra amount in the event of full and permanent incapacity for work due to an accident

Financial planning also means anticipating any risks that could affect your financial stability or the future of your loved ones. As a self-employed professional, you don't have to do it all alone – you can count on advice from your broker.

Premiums and taxation

You can find further details in the financial information sheet for your contract.


Term of the contract

You can choose the term of your supplementary cover to reflect your personal situation, based on factors such as the age of your children. The maximum term is defined in your Scala contract, and generally runs until the point when you start receiving your statutory pension1.

Essential information

Before you sign your insurance policy, it is essential to go through the following information:

 

Noodzakelijke documenten

Voor je deze verzekering onderschrijft, is het noodzakelijk om bovenstaande informatie door te nemen.

Documents nécessaires

Avant de contracter cette assurance, il est nécessaire de prendre connaissance des informations ci-dessus.

Safeguard your business

Our insurance for company directors (Scala Keyman) covers your company's fixed costs

Have you already thought about this?

Protection for the share ownership in your company

Footnotes

  1. Apart from some legal exceptions, the supplementary pension payment must be paid out at the time when the employee actually retires.
    If an employee retires after the statutory retirement age, the employee may choose when the payment of benefits and reserve should occur – either when they reach the statutory retirement age, or on their actual retirement date.