English
II pillar

Lifetime pension

To receive a lifetime pension, an insurance agreement must be concluded with an insurance company.

When entering into a pension agreement, the assets accumulated in the second pillar will be transferred to the insurance company you have chosen. You may elect to transfer the whole amount or just a part of it.

The amount of the pension will be calculated by the insurance company, using special formula for calculating annuity. The amount of the pension depends on your age, the amount desired for entering into the pension agreement, the average life expectancy, and the terms and conditions of the pension agreement.

Insurance agreement with guarantee period

A pension agreement may be entered into with a guarantee period, which ensures that, in the event of your death, disbursements will continue to the person specified in the agreement until the end of the guarantee period. This person is referred to as the beneficiary.

In the case of a pension agreement with guarantee period, the disbursement is slightly smaller than for an agreement without a guarantee period. The difference is bigger, the longer the chosen guarantee period.

If the amount you desire to be used for the lifetime pension agreement is too small, the insurance company may decline to enter into the agreement.

The following insurance companies enter into pension agreements:

Kindlustuslepingu lõpetamine 2021. aastal

Kui soovid kindlustusseltsiga sõlmitud lepingut lõpetada, saad seda teha 2021. aastal ja ülejäänud raha välja võtta.

Selleks esita hiljemalt 2021. aasta 31. märtsiks oma kindlustusandjale avaldus. Leping lõppeb siis sama aasta 31. augustil ja raha makstakse välja hiljemalt 2021. aasta 30. septembril.

Kuni lepingu lõppemiseni teeb kindlustusselts sulle väljamakseid vastavalt lepingus ette nähtud tingimustele. Kui oled kokku leppinud igakuised maksed, toimuvad need kuni augustikuuni. Maksete varasem peatamine ei ole võimalik.

Pensionilepingu tasud on kirjas sinu pensionilepingus. Seal on kirjas ka, kas lepingu ülesütlemisel tasu võetakse ja kui suur see tasu on.

Lepingu lõpetamisel makstakse välja lepingu tagastusväärtus. Raha väljavõtmisel tuleb tagastusväärtuselt maksta 10% tulumaksu. 

Tagastusväärtus on tulevaste pensionimaksete ja makstavate tasude summa praegune väärtus. Selle saad teada, kui pöördud oma kindlustusseltsi poole.