Getting the green light

Regulator Q&A

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Life & Pensions

How is the life and pensions system in Denmark structured?

Jan Parner

We have a three pillar pension system in Denmark - the first pillar, state pension, is defined benefit. The second pillar is made up of defined collective contribution schemes either by law, for example, ATP, or by collective agreement between workers and unions - multi employer occupational pension schemes, such as Industriens Pension. Then a third pillar of defined contribution individual insurance contracts.

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