Renewals 2026

You’ve entrusted your employees’ pensions to Zwitserleven. Your current scheme is nearing its end, and we hope you’ll choose us again in 2026. On these pages, you’ll find more information about upcoming changes to your pension scheme, as well as the renewal timeline and what you can expect from us.

Future of Pensions Act and Your Pension Scheme

Your current pension scheme is expiring. Additionally, the Future of Pensions Act (Wtp) came into effect on July 1, 2023, requiring legal adjustments to your pension scheme. By January 1, 2028, your scheme must comply with this new legislation.

To stay ahead of the transition, our new proposal already meets Wtp requirements. It’s essential to discuss this with your advisor in a timely manner, as the changes will impact both you and your employees. Your advisor can help clarify which aspects of your scheme will change, what the implications are, and what choices you have. Start the conversation early to ensure a smooth transition.

Want to know more? Ask your advisor.

Start Early

When transitioning to a Wtp-compliant scheme, you’ll need to make certain decisions. Depending on those choices, we may be required to provide transition communication to your employees, which takes additional time. In such cases, we must receive the signed implementation agreement and transition plan at least three months before the new scheme’s start date. We’ll also need information about your organization for mandatory compliance checks. Your advisor can guide you through this process.

Important: If we don’t receive the required documents and information on time, we may not be able to deliver the transition communication or implement the Wtp-compliant scheme by your desired start date. Don’t wait—contact your advisor soon.

Your proposal

Before September 1, 2025, your advisor will be able to easily create a proposal for a defined contribution scheme that complies with the Wtp. You can choose between two products: Zwitserleven Nu Pensioen and Zwitserleven Exclusief Pensioen.

Note: For Zwitserleven Exclusief Pensioen, depending on the premium volume, we may propose a 10-year contract period. During this period, rates and the Return Adjustment (RendementsCorrectie) are guaranteed. Your advisor can explain the pros and cons of this contract duration and any alternatives.

Before Meeting with Your Advisor

We encourage you to speak with your advisor as soon as possible. They are best equipped to help you, but it’s helpful to start thinking about:

• What type of pension scheme suits your organization?
• Do you want the same scheme for current and new employees, or will you use transitional rights (known as grandfathering or “eerbiedigende werking”)?
• What will your pension costs be over the next five years?

Answering these questions requires a thorough advisory process. This increases the likelihood of finding a suitable pension scheme.

Also note: in some cases, it’s mandatory to create a transition plan when switching to a Wtp-compliant scheme. You’ll prepare this plan with your advisor, and it must be submitted to us. It will also be shared on your employees’ portal so they’re informed about the changes.

Tip: document the ‘engagement agreement’ between you and your advisor. This ensures both parties understand the scope of work and associated costs.

Planning komende periode

Hieronder ziet u in één oogopslag wanneer u meer informatie krijgt. Zo weet u precies wanneer u wat van ons en uw adviseur kunt verwachten.

Employee Communication

Want to provide more information to your employees? Together with your advisor, we can organize presentations. Afterwards, we’re available to answer personal pension-related questions.