Pension
Useful information about Individual Pension Insurance
Individual Pension (BES) is a long-term savings plan that runs alongside the state pension. Regular contributions are invested in funds you choose, and the state adds a contribution on top.
Contribution amount, payment frequency and fund preferences are set according to your goals and can be adjusted over time. The earlier you start, the more compounding works in your favour.
We explain state contribution rules, vesting periods and fund risk levels in plain language, so you understand exactly how your savings grow before you commit.
What the plan includes
- Regular, flexible contributions you can pause or change
- State contribution added to your payments within legal limits
- A range of investment funds from conservative to growth
- Full entitlement to state contribution after the qualifying period
- Retirement entitlement at 56 with at least 10 years in the system
Who is it for?
Anyone who wants to build a disciplined, long-term savings habit for retirement — employees, self-employed professionals and business owners alike. Younger savers benefit most from the compounding effect.
What sets our agency apart
Pension is a decades-long relationship, so we stay with you well beyond the first signature. We review your fund choices as your life changes, remind you of contribution windows and explain every statement clearly. No jargon, no pressure — just honest guidance focused on your long-term benefit.