ITP

Privat
CUSTUMIZE YOUR
pension

Taxfunded pension
Does it sound difficult
and complicated?

Relax! It's easier than

you think to customize
your ITP!

But lets start with

how ITP works…
Defined contribution retirement pension
Employees born in 1979
and after

ITP1

The premium is 4.5 percent of your gross monthly salary

up to SEK 40,250

For a gross monthly salary in excess of SEK 40,250 the

premium is 30%
Defined benefit retirement pension
Employees born in 1978
and earlier 30 years =
360 months

ITP2 ITPK

The Insurance company Alecta manages the premiums 2% of your salary

paid to your ITP2 occupational pension and garantees
the defined benefits. You can choose
managing insurance
You are guaranteed a certain percentage of your final company
salary as an occupational pension (the size of the
premium does not matter to you as an employee)
https://www.collectum.se

0
https://www.collectum.se
 https://www.collectum.se

ITP choice
 https://www.collectum.se

ITPK choice
https://www.collectum.se

TRADITIONAL PENSION
UNIT LINKED INSURANCE
INSURANCE
https://www.collectum.se

WHAT COVER SHOULD I CHOOSE?

REPAYMENT COVER
FAMILY COVER
 WITH REPAYMENT COVER

X X
X X X
X XX X X
 NO REPAYMENT COVER

X X
https://www.collectum.se

FAMILY COVER

1 pbb 2 pbb 3 pbb 4 pbb

Age 5 years 10 years 15 years 20 years

30 0,68 1,32 1,94 2,52

31 0,73 1,43 2,09 2,71
32 0,79 1,55 2,26 2,94
33 0,86 1,68 2,46 3,19
34 0,94 1,83 2,67 3,48
https://www.collectum.se

WHAT COVER IS INCLUDED?

OCCUPATIONAL GROUP LIFE INSURANCE, TGL

(ITP2 FAMILY PENSION)*
OCCUPATIONAL GROUP LIFE INSURANCE, TGL

Paying out a lump sum for survivors in the event of death

279.000:-
The amount decreases after you turn 55
 ITP2
FAMILY PENSION
(INCLUDED IF YOU EARN MORE THAN SEK 39,590 PER MONTH)

A lifelong pension to survivors.

Beneficiaries; spouse, registered partner and children

You can waive future payments in favor of premiums

paid to ITPK
NOTE! This decision cannot be undone

Repayment/family cover
Who gets the money when you die?
Spouse, reg. Partner or partner
Children regardless of age
But you can also choose the following
beneficiaries
Former spouse, reg. Partner or partners
stepchild or foster child
BENEFICIARIES
Family pension ITP2
Who gets the money when you die?
Survivor spouse, spouse or registered
partner receives pension throughout
their life if she or he:
• have married you before you
turned 60 years.
• have married you after you turned
60 and you have been married for
five years or have joint children.
Your children also receive a pension
until the month they reach the age of
20 years old.
TGL
(Occupational group life insurance)
Who gets the money when you
die?
General beneficiaries
Husband, wife or reg. partner
Children (grandchildren) Parents
Special beneficiary regulation
Sambo does not receive the money
automatically, but you can choose a
cohabitant as a beneficiary. You
can also choose for example a
sibling or a friend.
 0
1

0,2
0,4
0,6
0,8
1,2
1,4
1,6
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
BUSINESS IDEA COLLECTUM

2012
2013
2014
2015
2016
2017
2018
 MORE IS MORE…

Comparison of monthly payments for you without and with ITP 2 100 SKR
More per
month with
ITP!

Without ITP With ITP

 Thank you!

020-40 85 00
forsakrad@collectum.se