WHICH PAYMENT FREQUENCY SHOULD I CHOOSE?
You can decide how often you receive your pension payments. You may choose to be paid monthly at the end of each month. Alternatively, you can opt for less frequent payments—quarterly, semi-annually, or even once a year in arrears.
The costs associated with each payment frequency vary, which means an annual payment is slightly higher than a monthly one.
Think carefully about your preferences and needs. Most people prefer monthly payments because it makes it easier to align income and expenses. But the choice is yours.
HOW DO I KNOW EVERYTHING IS PROCEEDING CORRECTLY AFTER SUBMITTING MY ONLINE QUOTE REQUEST?
Once you’ve submitted your request, we’ll contact you by phone to review everything and fill in any missing details.
After that, you’ll receive the quote by email. We’ll then follow up to discuss the quote.
If you agree, we’ll finalize the application.
Throughout the entire process—from request to payment transfer and policy issuance—we’ll keep you informed.
If you have questions in the meantime, feel free to contact us (phone: 020-4700920 / email: info@apple-tree.nl).
You’re also welcome to visit our office.
IS THE OFFERED PENSION AMOUNT GROSS OR NET?
All pension amounts shown are gross.
The pension provider is required to withhold wage tax on your pension as a prepayment toward income tax.
Healthcare contributions are also withheld. These deductions are based on fixed tax tables.
In most cases, the withholding matches your final income tax liability.
You can apply the wage tax credit once. This is a discount on the income tax you owe.
It’s usually applied to your main source of income and may only be used once—otherwise, too little tax may be withheld.
Since you’re retiring, this credit is likely already applied to your state pension (AOW), which happens automatically.
ARE THE CALCULATIONS NON-BINDING?
Yes, everything is completely non-binding and you’re under no obligation.
Our website simply shows the potential amount of your pension benefit.
Want more information? You’ll receive a clear overview of different providers tailored to your personal situation.
This information is also entirely non-binding.
I’M NOT RETIRING YET BUT I’M CURIOUS WHICH PROVIDER CURRENTLY OFFERS THE BEST DEAL. IS THAT POSSIBLE?
Yes, absolutely.
You can already check which insurer currently offers the most suitable deal based on market interest rates.
Six weeks before your pension capital becomes officially available, you can make a final calculation.
Keep in mind that your pension capital may change in the meantime, or another insurer may offer a better proposal.
WHAT ARE APPLE TREE’S FEES?
We handle the administrative process for you.
For this, we charge a fee of €495.
Our fee does not influence which pensions or providers we offer.
Want to know more? Our service document clearly outlines Apple Tree’s earnings.
HOW LONG IS A QUOTE VALID?
The validity period of a quote varies by provider.
It ranges from two to six weeks after the quote date.
The exact period is stated on the quote.
Your application and payment must be completed within this timeframe.
That’s why we recommend making a final calculation six weeks before your pension start date.
If needed, we’ll try to extend your quote.
HOW CAN I REQUEST A CUSTOMIZED QUOTE?
Do you have specific preferences that aren’t covered in the standard application?
Please contact us directly (phone: 020-4700920 / email: info@apple-tree.nl).
WHERE CAN I ASK QUESTIONS ABOUT MY PENSION PAYOUT?
You can always contact us with any questions—even after your pension payments have started.
We’ll include all necessary contact details with your policy.
WHEN WILL MY PENSION CAPITAL BECOME AVAILABLE?
The formal pension start date is age 67.
However, you may retire up to five years before your state pension (AOW) date.
You may also retire later, but you must still be employed.
Your pension will automatically begin at age 70.
WANT TO KNOW MORE?
Is your question not listed here?
Feel free to contact us—we’re happy to help.
