More comprehensive guidance for your clients with employer annuities

You already support your clients with insurance, mortgages, or wealth management. But as soon as pensions come up, the conversation often stops. Not because the opportunity isn't there, but because the necessary licenses are missing. Employer-sponsored annuities change that. Because this falls under the third pillar, you as an intermediary can now also guide pension accrual without a Wft Pension certification.

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The opportunity is clear, but the path to it is not

Research among dozens of intermediaries revealed a clear pattern. Many professionals see the opportunity with employers but don't know how to act on it. The lack of the right certifications plays a major role in this. In addition, there are concerns about losing clients to parties that can offer pensions, and about setting up a profitable business model.

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The common denominator is clear: the opportunity exists and is recognized, but the entry point is missing. Employer-sponsored annuities provide that entry point. Because it concerns the third pillar and not collective pensions, a Wft Wealth certification is sufficient. The only thing you decide for yourself is the fee you charge for your guidance.

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What employer-sponsored annuities make possible

With an employer-sponsored annuity, the employer facilitates the pension scheme, while the employee builds up their own individual pension. The employer determines the contribution (a fixed amount, a percentage of the salary, or matching their own contributions), and the employee receives a personal pension account that stays with them when they switch to a new employer.

As an intermediary, you build the scheme together with the employer. Through the Vive Partner Portal, you set the policy framework: who participates, what contribution applies, and how the contributions are processed. You can create entire employee groups, set up different schemes, and thus create a complete pension solution for your client. Vive then takes care of the execution, compliance, and the app for the employee.

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From a one-off moment to an ongoing relationship

Unlike many other services, pensions are not a one-off topic. You can recalibrate the plan annually, onboard new employees, and assist the employer with questions. This makes employer annuities a repeatable model with ongoing value.

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The Partner Portal gives you an overview of all your employer clients. You can see the status of contributions, track progress per plan, and access documentation for your records. With tools such as the annual margin calculator, the pension forecast and the pension cost calculator you can also help clients quickly gain insight into their situation.

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Who is this for?

Employer annuities are best suited for SME employers that do not yet have a pension plan, or that are looking for a modern alternative to a collective scheme. Think of agencies, startups, scale-ups, real estate agents, and other businesses where flexibility and low administrative burden are important.

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You already know these employers. They come to you for their insurance, accounting, loans, or their own mortgage. Offering pensions to those same clients is a logical expansion of your services. The employer gets a pension plan for their employees, and you strengthen the relationship by providing comprehensive guidance.

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Want to discover how to put this into practice? View the brochure for intermediaries or schedule an introductory meeting right away.