We are Integral.

FAIRNESS

We put the emphasis on solidarity and do not cross-subsidise profitable and high-risk customers. We do not cherry-pick potential customers, except on the basis of their risk analyses. We do not give new customers priority over existing ones or vice versa. We also do not give anyone preferential treatment on the basis of their gender or any other factors. We are a pension fund for both women and men and for both younger and older people.

CONSISTENCY

We remain true to our principles. Our investment policy does not change depending on the circumstances, nor does it follow short-term trends.

LONG-TERMISM

We are taking part in a marathon, not a sprint. Our objective is long-term business success, both in terms of planning our capital investments and with regard to our market presence. We are not aiming for overnight growth. We take a more considered approach.

OPENNESS

We treat all the companies interested in our services equally, whether they have one or 100 employees. We are a pension fund for sole proprietors, for limited liability companies and for joint stock companies. A standardised offering is not what we are aiming for. We put together a customised offer for potential customers covering everything that is legally possible. We generally take over the pension recipients of an interested company in full, provided it is possible to demonstrate that the pensions are adequately funded.

PRICING POLICY

Integral implements its pricing policy on the basis of these core values:

• Best price offers;
• no dumping prices to undercut competitors;
• regular recalculation of premiums on our own initiative.
  

TRANSPARENCY

Come rain or shine, we report honestly on our business performance on an ongoing basis.

FOCUS ON INSURED PEOPLE

We keep our administration and risk costs to a minimum by carrying out all the management and customer service tasks in our own offices. Our contacts with interested companies are always based on these principles: No conflicts of interest. No bonus mentality. No reciprocal deals.

Our focus on insured people is characterised by our pricing policy, the interest on retirement assets and employers’ contribution reserves, the conversion rate, the 13th monthly pension, the adjustment for inflation of all types of pensions and the lump sum payable on death after retirement.