Use your right to shop around

If you are about to retire, you will have a number of choices. One is to determine the insurer from which you want to buy your pension income. That is, if you participate in a capital or premium scheme. Comparing different insurers to get a suitable pension is called the right to shop around.

Compare insurers

The right to shop around gives you the right to buy a pension from another insurer than the one where you accrued the capital. Few people, however, know that this is possible and remain with the same insurer. That's a pity, because shopping around can be very rewarding: By comparing the conditions of the various insurers, you will get the best value for your money.

Do you have the right to shop around?

Take a look at your uniform pension overviews (UPOs). If you see the word premium or capital scheme, you have the right to shop around. Are you participating in an average or final salary scheme? Then you will receive a certain amount from your retirement date, usually monthly. You do not have to buy a pension income and therefore do not have the right to shop around.

Shopping at Zwitserleven

Do you have one or more pension funds with which you intend to buy a pension income? Then be sure to take a look around at Zwitserleven, especially if you are already our customer. This will allow you to conveniently house several pensions under one roof. Of course, you should also ask other pension providers what they offer. You decide what you find important and what is decisive for you: The amount of the pension income, the conditions, convenience or sustainability.

Calculate your pension

At Zwitserleven, you can use your accrued pension capital to opt for a fixed pension income or a variable pension income, or a combination thereof.

Immediately make a calculation for the Zwitserleven Vast Pensioen (fixed pension), for one or more pension pots. Or read more about buying fixed pension or variable pension.

Need advice on your choices?

We are happy to help you make choices for your pension. These choices may have major financial implications. Our guidance covers only your pension scheme with Zwitserleven. Whether a choice is right for you obviously depends on your whole personal situation, now and in the future.
Perhaps you should consider contacting an adviser, who can give you an overview of all your financial affairs and help you to make the most suitable choices.

What choices can you make?

  • Option buttons

    Retiring earlier or later

    Do you want to receive your pension on the retirement date? Or you can choose to receive your pension sooner or later.

  • Shapes

    Fixed or variable pension

    Do you want a fixed or variable pension income or a combination of these?

  • Ogen

    For your partner

    Do you have a partner? Then you can opt for your partner to receive a lifelong pension when you die.

  • Coins

    High / low pension

    Temporary higher pension for, for example, mortgage payments, long journeys or a period without state pension.

  • Pile of coins

    Lump sum payment

    You can withdraw up to 10% in one go. After deduction of taxes, you can spend this money however you want.

  • Wallet


    You may commute a small pension that yields a maximum of € 594.89 gross per year on the retirement date.

  • Shopping cart

    Right to shop around

    Buy a pension income from an insurer other than the one where you built up the capital.