Are you about to retire? Then, you can opt to change the level of your partner's pension. You can make three choices:
By default, your partner will receive a portion of your pension if you die. This is usually 70% of the pension. However, you can also opt for: a higher pension, an equal pension or no pension for your partner. The overview below explains what these options mean for you.
You will receive a letter from us with all the information you need. It is important that you think carefully about your choice, because you cannot change it once you have retired.
| More pension | Equal pension | No pension |
| You opt to accrue more pension for your partner. For example, because your partner has very little or no pension provision. | You can opt to have the same amount of pension paid out if either you or your partner die | For example, because you consider financial equality important. |
| Your own pension will be lower. | You will receive a lower pension if your partner dies before you | Your own pension will be higher. |
| Your partner will receive a larger portion of your pension if you die. | Your partner will receive the same pension that you would have received if you had died. | Your partner will not receive a partner pension if you die. |
| Your partner does not need to give consent for this. | Your partner has to agree with your choice. | Your partner must waive his or her rights to a partner’s pension. |
