Survivors' pension via Anw insurance in Zoetermeer

The General Survivors Act (Anw) provides survivors' pension upon death, comparable to the AOW voluntary insurance. For partners and children in Zoetermeer, you supplement missing years to qualify for Anw benefit (max. 70% of AOW). This is particularly relevant for stay-at-home parents in Zoetermeer, expats in the region, and self-employed individuals without accrual, such as entrepreneurs in Stadshart or around the station. Premium: €20 per month plus variable part, total approximately €250/year. Application via SVB up to 15 years before AOW age; local advice point via Zoetermeer Tax Cooperation or SVB office in The Hague. Legal basis: Anw article 12 and Anw Decree. Benefit: partner receives 70% AOW if the deceased was fully insured; children 20-30%. Retroactive up to one year. Advantage: low costs, lifelong for children until 18 years. Disadvantage: no indexation on partner benefit. Alternative to AOW: prioritise Anw for young families in Zoetermeer, where there are many starter homes in Rokkeveen or Seghwaert. Example: supplementing 10 years costs €2,500, yields €10,000+ upon death. Combine with partner pension in disability insurance via local advisors such as in the Business Park. Check via SVB personal budget or Zoetermeer.nl for regional support. This way you financially protect survivors in Zoetermeer.