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Anw-Plus Insurance

You can insure a surviving dependants (Anw-plus) pension for your partner.

Every month (via your employer), you pay an amount to insure a surviving dependant’s plus pension - an Anw-Plus Insurance. When you die, your partner will receive this pension as well as the partner’s pension. However, this pension will cease to be paid when your partner starts receiving a state pension.



What is a surviving dependant's (Anw) pension?
Anw is an acronym for Algemene Nabestaandenwet which is translated as the Surviving Dependants Act. It is a partner’s pension from the government. This pension is intended for your partner if you die. Your partner will receive this pension provided he or she fulfils the following conditions:
- your partner is not yet receiving a state pension (AOW) from the government; and
- your partner takes care of one or more children under the age of 18; or
- your partner is more than 45% occupationally disabled.

Unfortunately, few people receive a surviving dependant’s pension (ANW) from the government. This is because an income limit is applicable. Consequently, through us, you can also insure a surviving dependant’s plus pension (ANW-Plus pension).

You choose how much Anw-Plus pension you wish to insure 
You can insure a maximum of € 18,269 gross per year (amount 2021). This is the statutory limit. However, a lower limit is also possible. 

You choose when to have your Anw-Plus pension paid out
There are two moments when this can be done:
1. after your death, from the time your youngest child turns 18 years of age until your partner
   starts receiving a state pension (AOW);
2. from the time of your death until your partner starts receiving a state pension (AOW). 

Arranging the insurance for an Anw-Plus pension?
You can arrange an ANW-Plus insurance via  provided you are accruing pension with us. You should do this within three months of:
- starting your new job;
- getting married or registering your partnership;
- registering your cohabiting partner with us.


N.B. If you conclude this insurance at a later date, you will have to complete a medical questionnaire. Consequently, you may not be eligible to insure an ANW-Plus pension or you may have to pay a higher premium.

Terminating your insurance?
Your ANW-Plus insurance will be terminated automatically if:
- you leave your employer;
- you and your partner separate;
- your partner starts to receive a state pension.

If you wish to terminate your insurance for the ANW pension early, you should do so by informing PGB of this in writing, taking due account of a notice period of two (2) months.

You can send an e-mail to:
Or you send a letter to: Pensioenfonds PGB, Klantenservice, Postbus 2311, 1180 EH,  AMSTERDAM


 Content Editor