LESS STRESS THANKS TO COLLECTIVE MANAGEMENT
Alto Defined Contribution balance is a defined contribution type of group insurance. That means the employer defines:
- the premium budget
- the distribution of the return: a part is allocated to the individual accounts and a part is available as a free reserve
The distribution of the return allows the creation of a free reserve. This free reserve is a protection for the financing of the minimum legal return in the less profitable years.
THE OPPORTUNITY OF HIGHER RETURNS VIA BRANCH 231
As an employer, you choose from an extensive range of investment funds in Branch 231, defensive and dynamic. Through the various profile funds, you can easily choose which risk you want to take, without being responsible for active management. That leaves you in the safe hands of our experts.
SIMPLE ADMINISTRATION
Our standardised approach means that you don't have to closely monitor your group insurance policies. Administration is kept to a minimum, and you can monitor everything online via MyWorkPlace.
OPTIONAL COVER FOR DEATH AND INCAPACITY FOR WORK
The types of cover are:
In the event of death:
- a fixed amount for the next of kin
- an additional fixed 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 continued cover and pension savings
- an annuity payment in the event of incapacity for work due to sickness or accident, whether personal or professional
- an additional amount in the event of full and permanent incapacity for work due to an accident.
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.
SUPPORT WHEN BUYING REAL ESTATE
Is one of your employees planning a real estate project? With this group insurance policy, you can give him the chance to finance his plans more cheaply thanks to a down payment2 on his contract, which comes with some extremely attractive terms. This arrangement will not result in any paperwork for you, as NN will arrange everything directly with the employee involved.