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Financial security is especially important if you are self-employed

With the Self-employed Occupational Pension Scheme, you – and any employees in your company – get a flexible pension scheme that fits your needs.

You get insurance at a special price with low costs and limited health information requirements. And most importantly, you get financial security so you do not have to worry about anything except running your business.

Specific advantages offered by the Self-employed Occupational Pension Scheme

  • Greater financial freedom in retirement
  • You provide financial security for yourself and your family if you fall ill or die while you are working
  • You will be able to set up health insurance
  • You can contribute up to 30% of your company's profits each year and get full tax relief in the income year
  • Pension returns are only taxed at a rate of 15.3% whereas returns under the corporate income tax regime are taxed at a rate of 22%

A simple and manageable pension product

Occupational pension is a group product. You consequently get low administration costs, insurance cover that fits your needs, and favourable health insurance.

If you have employees, they can also get a Self-employed Occupational Pension Scheme on the same terms and at the same price as you. You decide whether you wish to pay for part of the scheme or whether the employee pays the whole contribution. Your assisting spouse can also get the same scheme.

Make extra contributions to your pension scheme

When you make extra contributions to your pension scheme, the amount typically goes towards sickness and life insurance as well as pension savings.

You typically contribute a fixed amount each month, but you can of course always choose to make supplementary contributions to your pension savings to get even more out of the tax benefits.

If you are a sole proprietor, you get a personal tax deduction, and you can contribute as well as obtain pension deductions on up to 30% of your profits.

If you have a public limited company (A/S type company) or a private limited company (ApS type company), you contribute through your gross salary, and thus decide yourself how much of your salary you wish to contribute to your pension savings.

A simple and manageable pension product

Your adviser can help you put together the right pension solution. After that, we take care of all the practicalities. If you already have a pension scheme with another provider, we will help you transfer it, so you get all your pension schemes in one place.

If you fall ill, have changes to the scheme, or if you have employees who want to join the scheme, simply contact your adviser.

Attractive investment opportunities

You can invest your pension savings in two different ways:


VækstPension is for those aiming for maximum return and minimum involvement. We take care of the investments and make sure you get an optimal investment process that balances the risk according to your age throughout your life.


LinkPension is a product for those wishing to invest their pension savings in the stock and bond markets. These markets offer potential for high returns but also pose a risk of losses.

A comprehensive range of insurance cover

Find out more about the insurance cover you can link to your Occupational Pension Scheme:

  • Death
  • Reduced earning capacity
  • Critical illness