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Savings solutions for your employees

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Why is it worth saving for an employee’s pension?

Additional motivation of employees

Better image of the employer

Favourable tax environment

Savings opportunities for your employees:

Savings opportunities for your employees:

  • Life Insurance with savings
  • 3rd Pension Pillar
     

Flexible provisions suitable for your needs:

  • competitive and attractive price offer
  • various investment solutions for all age groups 
  • sustainable investments and competitive investment performance
  • adjustable terms for contributions
  • convenient management of the service in SEB Internet Bank

Register for an advisory meeting

There is more than just one right way to save for employees

Life Insurance with savings

  • various investment opportunities
  • the employer administers the contracts and is the owner of the savings
  • term of the contract - at least 10 years

Register for an advisory meeting

 

3rd Pension Pillar

  • the duration of the contract does not need to be specified
  • the employee is the owner of the savings
  • the employee can receive the savings from the age of 55

Register for an advisory meeting

 

Lower tax payments

For the contributions of the employer, the following tax is not payable:

  • for the company - 23.59% of the mandatory state social insurance contributions, when making contributions for the employee's life insurance and/or 3rd pension pillar up to 10% of the gross salary;
  • for the employee - the mandatory state social insurance contributions of 10.5% and personal income tax. Personal income tax is deducted at the time the savings are paid out.
     

For the individual contributions made by private persons:

  • it is possible to recover personal income tax on contributions to the 3rd pension pillar, which does not exceed 10% of the gross annual income (and does not exceed EUR 4,000 per year).

Interested in the offer?

1.
Register for an advisory meeting

2.
We will contact you and prepare an offer suitable for your needs

3.
Conclude a contract

Services are offered and provided by SEB Life and Pension Baltic SE (unified registration number: 40003012938) and JSC "SEB atklātais pensiju fonds" (unified registration number: 40003485047).