Pensions

Your Partner in Pension
Transformation

The pension industry is in a state of flux and under great pressure. Consolidation and market developments require a strategic vision of the future. The transition to the new pension system through the new pension legislation (Wet toekomst pensioen) is fundamental and challenging. But it also offers you opportunities: in seamless digitization and new, innovative forms of interaction with your participant. Are you on your way to becoming the pension provider of the future?

See what we can do for you

Family sitting together talking about the new pension legislation

World-class pensions with the help of IG&H

We are trusted by pension providers, pension insurers and pension funds as the leading pensions consultant and technology firm in the Netherlands with over 35 years of expertise.

Currently in Pensions

33%

of funds still need to be transferred to the Wtp by 2027

87/161

of the providers choose SPR

€128 bil

stays in DB, primarily at insurers for dormant pensioners, retirees, and actives with guaranteed benefits under insurance contracts

70 remaining funds expected in 2033 at 4 or 5 pension provider organizations

Want to know more: download the most recent "Changes and Chances" pensions market monitor report

IG&H AllVida: your pension solution

The market demands flexibility and scalability. Do you need a WTP-proof administration, a front-office suite for client interaction or a structured approach for making agreements? You can choose, thanks to our modular system.

Our solution is highly flexible and can integrate with any of your specific components. Technology and business requirements do not demand large implementation or testing efforts, and you can prioritize business needs with a phased approach. Ready for a faster digital transformation?

Front-end solution

A digital, data-driven, multichannel customer experience for employers and participants. Deliver effective and personalized customer journeys through our integrated front-office solution for portals and customer service, ensuring optimal user experience, automated processes and a design aligned with your organization’s brand.

Agreements

Define and execute your proposition based on the organization’s product and services catalogue, to simplify, centralize the management of pension agreements, contracts and quotations. It ensures efficiency, transparency, version control, and compliance.

Back-end

The back-end ensures secure, scalable, and high-performance processing of pension data. It supports complex pension schemes and integrates easily with external systems and data sources.

In-control management

Real-time oversight of risks, compliance, and operational performance. Pension providers stay in control and can make data-driven decisions with confidence.

Your innovation journey to world class pensions

Strategize & analyze

Analyze your challenges, prioritize and determine scope.

Design & build

Design and develop solutions for specific challenges, such as klachtenpreventie.

Transform & embrace

Build, implement and embed change.

Run & sustain

Efficient and flexible administration with the IG&H AllVida pension solution.

Market intelligence

Gain full insight into the pension sector with market analyses and impact assessments, driven by changing legislation (Wtp) and market trends such as fund consolidation, leveraging our unique databases and sector expertise.

Strategic positioning

In a consolidating pension landscape, pension administration organizations face increasing pressure to renew their service strategies. Understand market developments to strategically position your organization in a complex sector. Define a transparent cost agenda to allocate resources efficiently and enable scalable, future-proof operations.

Value proposition

Define a clear promise, understand participant needs and develop a customer interaction strategy that builds trust and engagement.

IT - and cost agenda

Technology forms the backbone of your organization. A well-defined strategy translates ambitions into a technology agenda focused on modernization, integration, scalability and agility. Define a clear vision on which technologies to adopt, develop and phase out, enabling you to realize your strategic choices.

Product- and service catalog

Translate your value proposition into a concrete product and service offering that meets your clients’ needs. Define clear agreements on scope, service levels, and costs to ensure controlled and efficient service delivery.

Excellent client servicing

Design and implement a digital, data-driven, multichannel customer experience for employers and participants. Deliver effective and personalized customer journeys through our integrated front-office solution for portals and customer service, ensuring optimal user experience, automated processes and a design aligned with your organization’s brand.

Futureproof administration

Ensure compliant operations and a smooth pension transition by designing pension processes that seamlessly align with transparent reporting. Our flexible solution and implementation methodology are designed to meet ongoing regulatory changes, enabling efficient processes and integration.

Operating model design

Design a future-proof operating model that connects strategy, execution and technology. Through an integrated master design approach, we bring together proposition development, product delivery and IT execution into one coherent framework.

Transition to the new pension legislation

With clear communication and scalable implementation, we ensure your organization is operationally ready for the pension system of the future. Translate complex regulations into participant-focused solutions, strengthen governance and design a Wtp-compliant administration.

Digital cockpit

Maintain control during change. Empower your organization with a digital cockpit that provides full operational oversight. Using our advanced and unique ‘digital twin,’ we minimize transformation risks and keep you in control of your organization’s performance.

Support in (digital) transformation

Transform into a new organization and digital way of working: client-focused, data driven, in control and adaptive. Strengthen your operations with clear governance, best-in-class technology and the right culture for sustainable change.

Management and Continuous Development

We ensure everything runs seamlessly, securely and in compliance, minimizing downtime and delivering continuous service excellence. Through our service management organization, we provide end-to-end ICT-managed services for the entire pension value chain.

Operational performance

Unlock continuous operational improvement with our ‘digital twin,’ which mirrors all processes, data flows, and risk controls in a dynamic virtual environment powered by real-time data, process mining and AI. This enables you to identify bottlenecks, make proactive decisions and improve KPIs without additional risks.

Our service offerings

Do you have a partner who understands the entire pension landscape?

Whether you need support with consolidation, customer agreements and interaction strategy, market intelligence to identify growth opportunities, or more, you can count on us to help you elevate your strategy tailored to your role in the pension landscape.

For pension provider organizations

From strategy to execution and continuous improvement, click through the phases to see how we can support your journey

Market intelligence

Gain full insight into the pension sector with market analyses and impact assessments, driven by changing legislation and market trends such as fund consolidation, leveraging our unique databases and sector expertise.

Pensions services strategy

In response to new regulations define a clear value promise, understand participant needs and shape a customer interaction strategy that builds trust and engagement.

RPO (risk preference research)

Understand individual participant risk preferences towards investment policies of their pensions. Define the investments policy of the future that aligns with real-world behavior and expectations.

Participant research

With recurring participant research, specialized tools, customer journeys, behavioral measurements and AI, IG&H is at the forefront of exploring relevant customer insights for decision-making that considers who it's all for: the participant.

Customer interaction strategy

Define a customer engagement and duty-of-care strategy for pension funds that puts participants’ interests first, ensuring transparent communication, clear decision guidance and embedding duty of care into all processes (‘duty of care by design’). This should combine self-service options, technology platforms and personal interaction.

Pension journey

Understand and improve every participant interaction by mapping the entire pension journey—from onboarding to retirement—using a service blueprint. This enables your organization to deliver consistent and personalized service that meets evolving participant needs and regulatory requirements.

IT advisory

Translate complex operational needs into clear, actionable specifications. Define your IT requirements, select appropriate technological solutions and ensure outsourced administration complies with legislation, governance and operational standards.

Excellent client servicing

Design and implement a digital, data-driven, multichannel customer experience for employers and participants. Deliver effective and personalized customer journeys through our integrated front-office solution for portals and customer service, ensuring optimal user experience, automated processes and a design aligned with your organization’s brand.

Transition to the new pension legislation

With clear communication and scalable implementation, we ensure your organization is operationally ready for the pension system of the future. Translate complex regulations into participant-focused solutions, strengthen governance and design a Wtp-compliant administration.

Transform to a self-administrating fund

Take full control of fund operations by transitioning to in-house administration. Set up an execution from scratch using our operating model and business process blueprints. With the right governance, technology and expertise, build a self-administrating fund that is compliant, cost-efficient and future-ready for your participants and employers.

Outsourcing administration

Transfer the operational burden of administration to a professional, future-proof pension administration organization, creating space for your board to focus on strategy, policy and distinctive participant engagement. We guide the transition and ensure a solid migration.

For pension funds

From strategy to execution and continuous improvement, click through the phases to see how we can support your journey

Market intelligence

Gain full insight into the pension sector with market and impact analyses, driven by changing legislation and market trends, leveraging our unique databases enriched with deep sector and client knowledge.

Product and Distribution Strategy

Strengthen your position in both the individual and collective markets with the right strategy. Optimize your product portfolio, pricing and distribution channels. Understand the needs of advisors, employers and participants and develop a customer interaction strategy that builds trust and engagement.

DM/PM (distribution monitor/performance monitor)

Stay ahead of the market with proprietary insights. Receive valuable, data-driven insights into your market position and the impact of changes (such as new legislation). Understand how advisors evaluate your services. Use market data to identify trends, seize opportunities and strengthen your position.

IT strategy and cost agenda

Technology forms the backbone of your organization. A well-defined strategy translates ambitions into a technology agenda focused on modernization, integration, scalability and agility. Define a clear vision on which technologies to adopt, develop and phase out, enabling you to realize your strategic choices.

Product Standardization

Translate your proposition into a standardized product and service model that meets client needs and is embedded in your operations with efficiency, control and high quality

Excellent client servicing

Design and implement a digital, data-driven, multichannel customer experience for advisors, employers and participants. Deliver effective and personalized customer journeys through our integrated front-office solution for portals and customer service, ensuring optimal user experience, automated processes and a design aligned with your organization’s brand.

Future proof administration

Ensure compliant operations and a smooth transition by designing pension processes that seamlessly align with reporting requirements. Our flexible solution and implementation methodology are designed to meet ongoing regulatory changes, enabling efficient processes and integration.

Operating model design

Design a future-proof operating model that connects strategy, execution and technology. Through an integrated master design approach, we bring together proposition development, product delivery and IT execution into one coherent framework.

Policy Implementation for Changing Legislation

Support your organization in adapting to changing laws and regulations, translating them into concrete solutions and a compliant-proof operation.

Digital cockpit

Maintain control during change. Empower your organization with a digital cockpit that provides full operational oversight. Using our advanced and unique ‘digital twin,’ we minimize transformation risks and keep you in control of your organization’s performance

Support in (digital) transformation

Transform into a new organization and digital way of working: client-focused, data driven, in control and adaptive. Strengthen your operations with clear governance, best-in-class technology and the right culture for sustainable change.

Management and Continuous Development

We ensure everything runs seamlessly, securely and in compliance, minimizing downtime and delivering continuous service excellence. Through our service management organization, we provide end-to-end ICT-managed services for the entire pension value chain.

Operational performance

Unlock continuous operational improvement with our ‘digital twin,’ which mirrors all processes, data flows and risk controls in a dynamic virtual environment powered by real-time data, process mining and AI. This enables you to identify bottlenecks, make proactive decisions and improve KPIs without additional risks.