Life Assurance

Pension

Pension arrangements have a number of advantages: When people come to retire, they will experience a reduction in income — a pension makes up for some of this loss of income in retirement. Pension schemes can provide protection in the form of lump sums and pensions to dependants in the event of a member's death. In order to encourage pension schemes, the State provides tax relief on contributions made to pension schemes and the growth in their investments.

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What's Covered

Policy Overview

Pension arrangements have a number of advantages: When people come to retire, they will experience a reduction in income — a pension makes up for some of this loss of income in retirement. Pension schemes can provide protection in the form of lump sums and pensions to dependants in the event of a member's death. In order to encourage pension schemes, the State provides tax relief on contributions made to pension schemes and the growth in their investments.

Benefits covered:

Benefits Covered ✓
  • ✔ Income replacement in retirement
  • ✔ Lump sums and pensions to dependants on death
  • ✔ Tax relief on contributions
  • ✔ Tax-free growth on investments
  • ✔ Flexible contribution options
  • ✔ Professional fund management
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Quick Summary

Pension helps you plan for the future. Contact our team for a personalized quote and policy details.

Documents Required
  • Completed Proposal Form
  • Copy of National ID
  • Other documents as applicable
How It Works

Claims Process

We resolve claims within 48 hours on average.

1
Report the Incident

Call our 24/7 helpline or email us immediately.

2
Submit Documents

Provide your claim form, photos, and policy details.

3
Assessment

Our assessors evaluate and verify coverage within 24 hours.

4
Approval & Settlement

Your claim is approved and payment arranged promptly.

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FAQs

Frequently Asked Questions

Can I transfer my existing pension fund to Cemes?
Yes, you can seamlessly transfer your accumulated benefits from a previous employer's scheme or another individual retirement benefits scheme.
Are my pension contributions tax-deductible?
Yes, contributions to registered pension schemes are tax-deductible up to the legal limit, reducing your overall PAYE burden.
When can I access my pension funds?
You can access your funds upon reaching the retirement age (usually 50-60 years), or earlier if you emigrate permanently or face medical incapacitation.
What happens to my pension if I pass away before retiring?
Your nominated beneficiaries will receive the full accumulated value of your pension fund.
Can I use my pension savings as collateral for a mortgage?
Yes, under current regulations, you can assign a portion of your accumulated pension benefits to secure a mortgage facility.