Can I switch to another provider?

Yes. Your lijfrente account can be transferred to another bank, insurer or investment firm. This is called waardeoverdracht and runs via the Protocol Stroomlijning Kapitaaloverdrachten (PSK).

The new provider starts the process with a form; there is little for you to do. Vive charges nothing for the transfer and there are no fiscal consequences, because the capital stays within the lijfrente regime.