After death

Rules for partner and orphan pensions after death will be simplified (and our Anw insurance will be discontinued).

If you pass away while employed by Unilever, both now and in the future, pension benefits will be provided for your surviving partner (partner pension) and children (orphan pension). However, the structure of these benefits will change.
 

New situation as of 1 January 2027:

  • In the event of death during employment at Unilever, your partner will be entitled to:
    • A lifelong partner pension equal to 30% of your salary, and
    • A temporary annual payment of €5,000, paid until your partner reaches the Dutch state pension (AOW) age applicable at the time of your death.

After commencement, both amounts will be adjusted annually—upward or downward—based on investment returns.

Currently, the partner pension is 70% of the projected old-age pension (not of the salary!). With the introduction of the temporary payment, the voluntary Anw insurance will be discontinued.
(The Surviving Dependants Act (Anw) benefit from the government is governed by very strict rules. Therefore, Forward’s old voluntary Anw insurance prevents a shortfall for your partner if you pass away unexpectedly. Instead of this voluntary insurance, Forward will offer an annual €5.000 payment for partners of all active participants in the event of death.)
 

  • In the event of death during employment at Unilever, your children will be entitled to:
    • An orphan pension of 15% of your salary per child, paid until the child reaches the age of 25.

(Currently, this is 20% of the partner pension, paid until the age of 21.)

 

If you leave Unilever’s employment:
Your partner will no longer be entitled to the above-mentioned benefits under the Forward pension scheme. However, partner pension coverage may be provided by a future employer.

If you do not have a new job immediately after leaving Unilever, coverage for your surviving dependents will continue automatically and free of charge for three months.
After this period, you may choose to continue the coverage at your own expense. The premium will then be deducted from your pension capital.

Upon retirement, you will be able to choose the percentage of partner pension you wish to insure from that moment onwards.