A salary exchange plan with management through Collectum means that the pension is invested in the free choice in your ITP 1/ITPK. Registration, changes to the amount as well as termination of the salary exchange plan is done while you are logged in to Advinans’ portal. Investment and management of the premium takes place in the insurance company where you have chosen to invest the free portion in ITP 1 or the insurance company you have chosen for your ITPK.


Your extra deposits are subject to the same payout rules as your as your regular ITP 1/ITPK.

The repayment cover and beneficiary provision are the same as for your regular ITP. To change your choices for insurance company or repayment cover, please log in to your pages at Collectum.

Remember to register your desired salary exchange well in advance. If your employer approves your application for salary exchange no later than the last day of the month, it will become active from the following month.