Through mediation of DÆMS Pensioenstrategen you build up a pension capital that allows you to purchase a life time pension scheme at an insurance company of your choice. You can choose which insurance company is going to do this. This comparison can help. DÆMS Pensioenstrategen helps you with a quote to get you started.
DÆMS Pensioenstrategen can inform you regularly about your forthcoming pension if we have al your pension information. The process leading up to your retirement will be as follows:
- One year before retirement date, you can recieve a notification in which DÆMS Pensioenstrategen brings to your attention that your retirement date is approaching and that you can make choices.
- Six months before your retirement date, you can receive a notification in which DÆMS Pensioenstrategen provides general information on your forthcoming retirement.
- From about 8 weeks before retirement date Apple Tree will contact you about the possibilities with your pension.This is only possible if we have all your pension information (if you made a quote through the website earlier).
- Do you accept an offer that is offered through Apple Tree, then Apple Tree will handle the request further for you. If you opt for the accommodation with another insurer, then the insurer must complete the attached order form, which is included in the pension letter you received from DÆMS Pensioenstrategen.
A comparison of different providers can be worth your while
When their accrued pension capital becomes available, many people fail to look for the provider that suits them best. The first thing to do is to establish your personal financial situation and (income) requirements and then to look for a suitable provider to match these. Clearly, in doing so, you must also consider the legal provisions. For instance, a pension must provide lifelong benefit payments and may not be paid out in a lump sum (commutation).
Choosing the most appropriate insurance company can be highly advantageous. And this advantage will be yours for as long as you live! The differences in the amount received in benefit payments can be substantial. This is because insurance companies apply different interest rates and charge different fees. Three factors determine the amount you receive in pension benefit:
- The interest rate.
- The insurance element (life expectancy: this determines how long an insurance company expects your lifelong benefit payments to continue).
- The costs.
Calculating highest pension benefit
On this website you can quickly and easily calculate the most suitable (highest) pension benefit for your pension capital when it becomes available. After entering your data, it is possible to compare the pension benefits provided by different insurance companies. You can instantly request an offer for one on line.
The worth of your pension capital is only known at the retirement date. Your investments are sold at your retirement date. Then the pension capital is transferred to the insurance company of your choose. Your pension capital will no longer pays off from this moment on.
Please make sure you have your pension capital details available. You will have received these from DÆMS Pensioenstrategen. You will be asked for this information as you navigate through the website.
Calculate your pension benefit in three easy steps
> Step 1: Calculate pension benefit
Please enter the requested data as input for the calculation. Enter your partner's name if you decide in favor of a partner pension.
>> Step 2: Compare pension benefits
The comparison will range from the highest to the lowest benefit. Via this site you can instantly compare the offers of those insurance companies that can provide the highest pension benefit. We perform the broadest possible comparison of insurance companies in the market. You will receive a comparison of those insurance companies that are most active in this market and that cooperate with us. You are of course free to request offers yourself for the purpose of comparison. Ultimately, it is you who decides who will provide your pension benefit.
>>> Step 3: Request a pension offer
On the basis of this comparison, you can select the most appropriate insurance company relative to your situation. You can make a direct online request for the pension offer you want. We will contact you to review every aspect of it with you again. If you accept the offer, we will also handle the administrative tasks on your behalf.
