Being future-proof is about more than just savings; a pension agreement typically consists of both savings and insurances. Where savings are supposed to secure your livelihood when you no longer work, insurances cover you when something unexpected happens to you on your way to retirement.
A pension can also be tied with insurance plans that give you and your loved-ones a sense of security, if you should ever lose your capacity to work, become seriously ill or die. This type of insurance is cheaper when you acquire it as part of a collective agreement at your workplace, but it is also possible to attain one as an individual customer.
Insurances are provided and administered by our collaborator Skandia, who can advise you as to how your needs can best be met. They offer different options for insurance; insurance against loss of working capacity, insurance against critical illness and insurance in the case of death. Additionally, you can join a health-insurance plan that, among other benefits, covers your expenses for chiropractic, psycho- and physiotherapists.
You can read more about the different types of insurance here.