TryggPlan gives you and your employees security for the future whilst also making the company more
attractive on the job market.
Pension benefits as a Employee options industries and types of assets, providing
Competitive advantage Employees can themselves choose good opportunities to create fund portfolios
It is becoming increasingly important what funds the pensions savings will with solid return potential and sound risk
for companies to care for – and retain be managed in. They can also choose distribution. This selection includes both
their employees. A well-planned pension whether familypension will be included funds managed by SEB and funds managed
alternative paid for by the company and at what level. by specially selected external providers.
increases security for the employee and Employees can also select our strategy
is an important competitive advantage Investments and returns funds, which are complete fund packages
when recruiting new employees. Savings premiums can be invested in managed by SEB. All they need to do is
any fund in SEB's broad range of funds, select a risk level. We will make sure the
What is TryggPlan? which includes funds of varying objectives employees receive a good mix of funds
TryggPlan is a pension plan that may and risk levels. Funds provide exposure and then adjust the selection in the fund
include the following insurance sections: to different geographical areas, over time. They can change funds at any
time without having to pay either change
fees or capital gains taxes.
Insurance sections Contents
Savings Supplements the general pension. Payout can begin at Deduction rights for the company
age 55. The shortest payment term is five years. The company can pay pension premiums
Sickness insurance Compensates for loss of income during longer-term with deduction rights such as pension
illness. cost up to 35 percent of salary. The highest
Occupational group life (TGL) Provides lasting economic security in the form of a deductible premium is 10 times the price
insurance lump-sum in the event of the policy holder's death. baseamount. Other deduction rules apply
for health insurance, TGL and accident
Family pension Provides lasting economic security in the form of monthly insurance.
payments in the event of the policy holder's death. Continues on next page.
Full-time accident Provides compensation for sums assured but also for
insurance expenses resulting from an accident. Valid around the
Premium waiver SEB Trygg Liv pays premiums for retirement pension,
family pension and sickness insurance in the event of a
Health insurance Provides the right care quickly.
Advantages for the company Insurance confirmation of
• Simple management, such as through TryggPlan
the Internet office. Employees receive a yearly review of how
• The cost is largely deductible for the their pension capital has developed and a
company. summary of their insurance coverage.
• The ability to create individually tailo-
red solutions for all personnel.
If you would like to find out more about
• The company gains a competitive the possibilities offered by TryggPlan,
advantage in their search for skilled contact any SEB Trygg Liv insurance
personnel. advisor or your insurance agent.
Advantages for employees You can order complete insurance
• Employees can adapt the solution to conditions through our customer
fit their own situation. service by telephone 0771-43 10 00 or
• Pension savings are invested in optional through our website seb.se/tryggliv.
funds in unit-linked insurance.
• Insurance value is shown on the Welcome!
Internet office for private individuals,
where employees can also change the
funds in their policy.
• The insurance applies with an interim
solution from the date of subscription
on the condition that the policy holder
is fully employable per the terms of
the insurance conditions.
At the signing of TryggPlan
The company • Determines cost frameworks for the pension policy and what
insurance sections are to be included.
• Determines who in the company will be covered by TryggPlan.
The employee • Decides in consultation with an insurance advisor from SEB
Trygg Liv or insurance agent how the savings premiums will be
distributed among the SEB Trygg Liv fund selection as well as the
level of the family pension.
• Answers questions in the SEB Trygg Liv health declaration.