Annuity pension scheme

An annuity pension scheme gives you the freedom to continue your normal way of life - even though you have retired from active working life. The scheme guarantees you a regular monthly income when you retire. This gives you financial security because your annuity pension can replace your salary from day one and for instance supplement your early retirement benefits and state retirement benefits for up to 25 years.  

You can establish an annuity pension scheme right up to the day before the deadline for taking your pension, provided that your permanent address is in Denmark.

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An annuity pension scheme enables you to maintain the lifestyle you are used to - even though you no longer work. The reason is that you will receive a regular monthly income from the day you retire.

Advantages of an annuity pension scheme

  • An annuity pension scheme pays you a regular monthly income for a period of 10 to 25 years.
  • The maximum annual pension contribution you can pay and get tax relief on is DKK 52400. If you want to contribute more than DKK 52400, you can pay an amount into a life annuity scheme. 
  • You are eligible for personal income tax relief on contributions.
  • The return on your annuity pension is currently only subject to 15% tax p.a.
  • Savings protection guarantees you that your surviving relatives will receive the value of your savings if you die before you retire.
  • You can purchase an exemption from contributions (waiver of premium) if your earning capacity is reduced.
  • Your payouts will continue unchanged to your surviving relatives if you die prematurely.

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