Austria
Belgium
Denmark
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
Liechtenstein
Netherlands
Norway
Poland
Portugal
Spain
Sweden
Switzerland
Turkey
United Kingdom
Australia
New Zealand
Hong Kong
India
Indonesia
Malaysia
Philippines
Singapore
Thailand
Brazil
Chile
Colombia
Mexico
Peru
USA
Bahrain
Israel
Morocco
Oman
Saudi Arabia
Tanzania
UAE
Pension
Our specialists in corporate pensions ensure you the right agreements at the right price.
We take a tailored approach to your pension agreements.
The complexity of the market for company pensions is constantly increasing. At the same time, Covid-19 has had some sad consequences in the form of a large increase in sick leave and in long-term mental and physical damage. This means that many insurance companies have both raised prices and worsened conditions.
Therefore, more than ever, there is a need for an independent pension broker with great negotiating skills, who provides you and your employees with an overview - and at the same time ensures the right coverage at the right prices.
At Howden, we always take a tailored approach to pension agreements. Because it works. Based on our method, we start with an analysis of your company's current pension profile and the situations and needs of your employees. Following this, we provide a solid risk assessment with well-thought-out recommendations for prevention initiatives, as well as continuously monitoring employees' pension goals. This approach ensures the company and your employees a world-class quality of advice and corporate pension agreement.
Facts about the pension market
The Market in Motion
The pension market is complex and constantly evolving. In recent years, there has been a consolidation among commercial pension companies. At the same time, new players have entered the market, including several labor market pension funds aiming to challenge the established commercial companies.
Large Deficit
The Danish Financial Supervisory Authority is working to address deficits in pension companies’ insurance coverage. Their goal is to reduce cross-subsidization, where pension companies finance insurance deficits through earnings from customers’ pension savings.
New Investment Opportunities
The demand for green investments among pension savers has significantly increased in recent years. We are confident that this trend will continue, with a growing focus on low-cost, passively managed investment options in particular.
Automated Advice
In recent years, pension companies have made significant investments in self-service solutions for their customers. However, many customers are now seeking opportunities for personal virtual and in-person meetings.
Our specialists in company pensions ensure you the right agreements at the right price.
At Howden, you get innovative, value-creating company pension advice based on a well-established advisory and support organization and a wide range of comprehensive pension and health agreements.
We are experts in pension schemes.
The Devil is in the Details
In a complex and ever-changing market, the devil in the details matters more than ever. Even minor differences in terms and conditions can make a significant impact on your company and employees. That’s why we take great pride in focusing on the details, ensuring we guide you and your employees toward the right, tailored solutions.
Risks Across Products
We incorporate data and insights from all relevant providers. This enables us to offer strong advice and unique solutions.
Experienced People
At Howden, attracting and retaining the best talent in the industry is a top priority. Education and experience are crucial when guiding our clients, which is why we have detailed training plans for all employees. We are also proud of the large number of colleagues who are licensed professionals.
Financial Supervisory Authority
We are approved as an independent insurance intermediary by the Financial Supervisory Authority.
Your risk guide within company pension
We guide and help you realize your employees' future dreams through strong pension solutions. A solid collection of data and knowledge ensures that we can create a well-thought-out assessment of your current pension profile - based on your employees' situations and expectations. On a personal level, we start with the individual coverage needs, which are monitored with a focus on the mapped milestones. This means that we can have an efficient and targeted dialogue with pension companies, so we can find the right solution for the individual, the individual employees, or for the company as a whole.
Download HR-chefens guide til trivsel og sundhed på arbejdspladsen
Lær hvordan du kan optimere arbejdspladsens trivsel og sundhed. Opdag vores APV og Sundhedsscreening – nøglen til medarbejdertrivsel. Download vores white paper og start rejsen mod en sundere arbejdsplads.
Opportunities in the pension market
Full competition
We continue to see strong competition among the various providers. Therefore, we recommend exposing or renegotiating the pension scheme and health insurance. This ensures that the agreements are competitive and attractive in terms of both price and quality.
Prevention
Insight into data and timely care are key for us to achieve optimal well-being and security for employees. Based on data and evidence, we guide you to ensure both solid injury prevention and fast, effective assistance for sick employees.
3-part cooperation
We know that the best pension and health scheme is created in close and mutually respectful cooperation with the companies. We do not want to be perceived as competitors to the companies, but rather as the trustworthy and competent guide that creates added value for both the company and the employees.
Make it easy and present
Pensions are for many a low-interest area, because it seems complicated and overwhelming. But because we guide both the company and the employees through simple rules of thumb and ongoing follow-up, the whole process becomes a good, manageable experience for everyone.
Would you like to learn more about pensions and life insurance?
Fill out the form if you're interested in learning more about your options or have questions about pensions and life insurance. We’re here to help you find the perfect solution for your employees.
Considering becoming a client?
Contact our Director, Thomas Ammonsen, for a no-obligation conversation about pensions.
Thomas is available:
Monday – Thursday: 10:00 AM – 4:00 PM
Friday: 10:00 AM – 3:00 PM
Call 31 39 98 33
Write [email protected]