{"componentChunkName":"component---src-templates-default-page-template-index-tsx","path":"/en/pension/paid-up-policy","result":{"data":{"aemPage":{"title":"Learn what a paid-up policy is and see your options","template":"product","language":"en","lastModified":1777556064770,"path":"/en/pension/paid-up-policy","id":"957d0c5a-455f-5eda-827a-61578ad19c8c","data":{"parentPages":[{"path":"/en/pension","properties":{"ootb":{"cq_template":"/conf/dnb-openpages/settings/wcm/templates/category","jcr_title":"Pension","name":"pensjon","language":"en"}}},{"path":"/en","properties":{"ootb":{"cq_template":"/conf/dnb-openpages/settings/wcm/templates/home","jcr_title":"Home Norwegian","name":"en","language":"en"}}}],"properties":{"resolvedInheritValues":"{\"contactUs\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"CHATBOT\",\"id\":\"5a030cbe-dcd3-4f0f-b6a0-b9c8deb88ced\",\"icon\":\"aino_medium\",\"title\":\"Chat with Aino\",\"value\":false},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"7aa30416-e815-4bac-a67b-7c8267ac35d1\",\"icon\":\"support_medium\",\"title\":\"Help and guidance\",\"value\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"/content/dnb/open/en/help-and-guidance\",\"href\":\"/en/help-and-guidance\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"dd837bd8-b41a-4bc0-84f5-bae720b6e951\",\"icon\":\"location_medium\",\"title\":\"Find your DNB office\",\"value\":{\"path\":\"/content/dnb/open/en/about-us/offices\",\"href\":\"/en/about-us/offices\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"URL\",\"id\":\"a3f21d7e-96c1-4e12-9d08-5b3036169f0a\",\"icon\":\"calendar_medium\",\"title\":\"Make an appointment\",\"value\":{\"path\":\"/content/dnb/open/en/help-and-guidance/meeting-booker\",\"href\":\"/en/help-and-guidance/meeting-booker\"}}]},\"customerSegment\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"segment\":\"private\"}}","custom":"{\"contactUs\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"inheritance\":\"PARENT\",\"hidden\":[],\"items\":[],\"enableChatbot\":true},\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"searchKeywords\":\"\",\"title\":\"Learn what a paid-up policy is and see your options\",\"isTranslated\":true}","ootb":{"description":"A paid-up policy is the accrued pension you receive from your current or former employer when you leave a defined benefit scheme.","template":"/conf/dnb-openpages/settings/wcm/templates/product","lastModified":"1777556064770","title":"Paid-up Policies","name":"fripoliser","language":"en"},"languages":{"no":"/pensjon/fripoliser","en":"/en/pension/paid-up-policy"},"structuredData":"[]"},"content":"{\"sections\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"description\":\"A paid-up policy is an accumulated pension entitlement that you have acquired through membership in a defined benefit pension scheme with your current or former employer.\",\"title\":\"Paid-up policy\",\"isTranslated\":true,\"_meta\":{\"id\":\"pageTitle\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"disclaimer\":\"\",\"isTranslated\":true,\"features\":[[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Accrued pension entitlement\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Guaranteed annual payout\",\"isTranslated\":true}]}],[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Options for paid-up policy with unit-linked products\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":false,\"height\":3712,\"altText\":\"Man sitting at table talking on mobile phone\",\"dynamicMediaPath\":\"dnbbank/3312114\",\"isVector\":false,\"id\":\"/content/dam/brandcentre/no/7/33/12/1/3312114.jpg\",\"width\":5568,\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"croppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"mobile\":\"\",\"tablet\":\"Wide-1\",\"standard\":\"Square-1\"},\"currentBaseCroppingProfiles\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tablet\":\"Wide\",\"default\":\"Square\"},\"url\":\"https://media.web.dnb.no/is/image/dnbbank/3312114\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/3312114\",\"profiles\":{\"Wide-1\":{\"base64\":\"data:image/jpeg;base64,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\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/3312114:Wide-1?fit=constrain,1&wid=5568\"},\"Square-1\":{\"base64\":\"data:image/jpeg;base64,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\",\"finalUrl\":\"https://media.web.dnb.no/is/image/dnbbank/3312114:Square-1?fit=constrain,1&wid=5568\"}}},\"_meta\":{\"id\":\"usp\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"contentType\":\"factBoxContent\",\"isTranslated\":true,\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"Do you have a paid-up policy with DNB?\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can log in to online banking and find your policy under Pension and Insurance/My Policies\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"factBox\"}}],\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"What is a paid-up policy?\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The paid-up policy secures you a pension payment with a guaranteed annual amount. You can find the amount in the account statement you receive each year.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The paid-up policy may include cover for both retirement pension, spouse's and child's pension as well as disability pension.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}]}],\"_meta\":{\"id\":\"text\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Paid-up policy with unit-linked products\",\"isTranslated\":true,\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"  \",\"isTranslated\":true,\"description\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have a paid-up policy with guarantee in DNB, you can change it to a paid-up policy with unit-linked products\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"hyperlinks\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"newTab\":false,\"label\":\"Read more about paid-up policy with unit-linked products\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"/content/dnb/open/no/pensjon/fripoliser/fripolise-med-investeringsvalg\",\"href\":\"/pensjon/fripoliser/fripolise-med-investeringsvalg\"}}],\"_meta\":{\"id\":\"tipsItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"  \",\"isTranslated\":true,\"description\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have a paid-up policy with unit-linked products in another company, you can transfer it to DNB\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"hyperlinks\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"newTab\":false,\"label\":\"Transfer the paid-up policy to DNB\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"bc.dnb.no/original/gallery/10314/files/original/eeb597e0-08b4-4949-ab39-d004a3a428c9.pdf?cacheVersion=1756815394\",\"href\":\"https://bc.dnb.no/original/gallery/10314/files/original/eeb597e0-08b4-4949-ab39-d004a3a428c9.pdf?cacheVersion=1756815394\"}}],\"_meta\":{\"id\":\"tipsItem\"}}],\"_meta\":{\"id\":\"tips\",\"anchorId\":\"a88cf855d-079a-433d-9633-61f6beccebaf\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"images\":[],\"contentType\":\"priceContent\",\"isTranslated\":true,\"sectionTitle\":\"Payout of retirement pension\",\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The main rule is that payout of retirement pension can start from the age of 62 at the earliest. Some occupational groups have a lower retirement age – check what is stated on your account statement.\",\"isTranslated\":true}]}],\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"abc629d50-336f-4009-b55c-6c1e5062a7a9\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"images\":[],\"contentType\":\"priceContent\",\"isTranslated\":true,\"sectionTitle\":\"What does recalculation of pension payout mean?\",\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"It means increasing the annual pension payout in exchange for reducing the payout period. The capital is therefore paid out more quickly than originally agreed.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"For paid-up policies with a low annual pension (below 30 per cent of G), the payout will automatically be recalculated to an annual payout of approximately 30 per cent of G and the payout period will be shortened.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In many cases, the payout period can also be shortened further by increasing the payout to 50 or 100 per cent of G. This is called voluntary recalculation. The minimum payout period is twelve months. You must decide whether you wish to have a voluntary recalculation from the time you start drawing your retirement pension. It is not possible to make a new recalculation for paid-up policies that are under payout.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"priceContent\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"fragmentVariationPath\":\"/content/experience-fragments/dnb_open_pages/en/priceContent/pm/pensjon/g-belop/master\",\"isTranslated\":true,\"sections\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"priceContent1622213584\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"prePriceText\":\"\",\"price\":\"  \",\"title\":\"National Insurance basic amount\",\"isTranslated\":true,\"postPriceText\":\"One G equals NOK 130 160 as at 1 May 2025.\",\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"G is the abbreviation for National Insurance basic amount\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"priceContent\",\"anchorId\":\"acf9ccd33-33d0-4616-a00c-e00cf648c307\"}}},\"_meta\":{\"id\":\"priceContent\",\"componentId\":\"priceContent\",\"anchorId\":\"acf9ccd33-33d0-4616-a00c-e00cf648c307\"},\"prePriceText\":\"\",\"price\":\"  \",\"title\":\"Basic amount\",\"postPriceText\":\"As of 1 May 2025,\",\"information\":[{\"type\":\"paragraph\",\"children\":[{\"text\":\" 1 G corresponds to NOK 130 160. \"}]},{\"type\":\"paragraph\",\"children\":[{\"text\":\"G is the abbreviation for the National Insurance basic amount.\"}]}]},\"_meta\":{\"id\":\"text\",\"anchorId\":\"a13d4847a-ed39-4c27-9c46-49c1b7bbb755\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"\",\"isTranslated\":true,\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Payout of pension\",\"isTranslated\":true,\"description\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Retirement pension can be paid out from the age of 62 at the earliest.\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"hyperlinks\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"loginType\":\"ssn_cb\",\"newTab\":false,\"label\":\"Start payout of pension\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/ps/applikasjoner/webforms/bsfors/uttak-alderspensjon.html?firstrequestafterlogon=true&firstrequestafterlogon=true\",\"href\":\"https://www.dnb.no/ps/applikasjoner/webforms/bsfors/uttak-alderspensjon.html?firstrequestafterlogon=true&firstrequestafterlogon=true\"},\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/ps/applikasjoner/webforms/bsfors/uttak-alderspensjon.html?firstrequestafterlogon=true&firstrequestafterlogon=true\",\"href\":\"https://www.dnb.no/ps/applikasjoner/webforms/bsfors/uttak-alderspensjon.html?firstrequestafterlogon=true&firstrequestafterlogon=true\"}}],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":false,\"base64\":\"data:image/jpeg;base64,R0lGODlhAQABAIAAAP///wAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOw==\",\"altText\":\"KS (the Norwegian Association of Local and Regional Authorities) PM Sparing og pensjon NAVCARD\",\"dynamicMediaPath\":\"dnbbank/3739651\",\"isVector\":true,\"id\":\"/content/dam/brandcentre/no/7/37/39/6/3739651.svg\",\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"url\":\"https://media.web.dnb.no/is/content/dnbbank/3739651\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/3739651\",\"finalUrl\":\"https://media.web.dnb.no/is/content/dnbbank/3739651\",\"svgContent\":\"<svg width=\\\"647\\\" height=\\\"387\\\" viewBox=\\\"0 0 647 387\\\" fill=\\\"none\\\" xmlns=\\\"http://www.w3.org/2000/svg\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M472.685 246.131L450.235 240.018L455.175 235.5C455.175 235.5 458.695 236.753 465.813 238.626C467.447 239.281 468.913 240.296 470.103 241.595C471.292 242.894 472.175 244.445 472.685 246.131Z\\\" fill=\\\"#007473\\\"/>\\n<path d=\\\"M549.727 310.895C563.326 311.395 570.733 300.89 554.655 293.746C537.964 289.367 515.376 284.109 502.397 277.098C500.286 275.97 498.015 275.17 495.664 274.725C471.722 270.111 454.08 246.15 455.999 246.77C468.232 256.974 471.644 257.745 496.915 264.678C500.682 265.708 504.1 267.738 508.005 267.882C515.484 268.171 536.664 272.363 544.559 272.815C546.091 272.922 547.623 272.618 548.998 271.934C550.373 271.25 551.541 270.211 552.381 268.924C555.672 263.738 551.141 258.955 546.123 257.341C536.845 254.33 525.96 258.058 513.757 250.083C510.496 247.94 506.854 246.445 503.029 245.68C460.644 237.32 426.901 198.535 431.425 192.175C432.382 190.97 458.159 185.127 465.831 186.97C471.632 188.368 524.744 192.789 533.144 177.472C537.537 165.973 513.968 163.443 497.914 163.925C480.2 164.335 455.536 158.185 438.73 155.221C438.73 155.221 349.569 148.728 345.947 148.596C342.326 148.481 338.768 147.619 335.495 146.066C317.683 137.44 301.064 126.539 286.052 113.636C244.234 77.5383 179.454 109.51 182.691 164.835C182.751 165.6 182.787 166.359 182.847 167.124C204.996 192.343 298.881 230.17 300.939 233.103C340.609 293.06 356.248 270.273 432.797 322.189C451.186 334.657 456.793 332.766 461.8 334.193C467.353 335.777 490.965 338.789 503.041 339.879C511.465 340.638 508.859 335.187 508.932 333.802C509.371 325.519 479.069 325.718 465.187 320.406C464.586 320.183 441.721 312.636 437.334 300.794C451.143 307.787 438.201 310.997 483.377 322.429C499.623 326.543 512.446 329.14 531.58 330.398C542.507 329.941 542.182 324.586 541.496 321.966C540.293 316.099 533.006 314.515 530.828 313.931C521.802 313.021 500.941 308.937 493.179 305.233C490.303 303.86 486.987 304.028 484.039 302.824C463.827 294.584 453.237 281.856 448.574 276.242C446.956 275.038 458.201 283.061 488.13 296.722C493.817 299.324 515.568 304.341 521.784 305.076C537.386 306.913 548.699 310.859 549.727 310.895Z\\\" fill=\\\"#A1D6C7\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M152.684 0C100.058 11.2938 81.411 104.433 81.5434 109.541C81.8988 113.344 83.5124 116.92 86.1284 119.702L255.431 233.844L305.289 129.038L152.684 0Z\\\" fill=\\\"#14555A\\\"/>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M388.878 217.557C394.613 220.948 401.424 220.659 407.838 221.984C412.971 223.038 418.067 225.219 423.019 227.357C426.268 228.66 429.416 230.202 432.436 231.971C435.98 234.17 438.85 236.862 442.009 239.344C448.43 244.322 455.559 248.31 463.159 251.174C446.853 243.409 437.136 227.948 420.083 222.183C409.252 218.533 398.765 220.027 387.88 217.033L388.878 217.557Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M500.219 285.686C499.02 287.102 497.977 288.643 497.108 290.282C496.085 292.204 495.333 294.649 496.506 296.468C495.417 294.414 494.852 291.981 495.459 289.74C496.067 287.499 498.047 285.524 500.363 285.439L500.219 285.686Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M498.726 282.82C497.544 283.128 496.446 283.698 495.512 284.488C494.579 285.278 493.835 286.268 493.335 287.384C492.835 288.501 492.592 289.715 492.623 290.938C492.654 292.161 492.959 293.361 493.516 294.451C492.03 292.595 490.832 290.234 491.35 287.903C491.748 286.533 492.492 285.289 493.51 284.289C494.171 283.473 495.014 282.824 495.971 282.392C496.453 282.186 496.984 282.123 497.501 282.209C498.018 282.296 498.5 282.529 498.889 282.88L498.726 282.82Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M504.635 252.794C503.44 254.212 502.398 255.753 501.524 257.39C500.508 259.311 499.755 261.757 500.923 263.576C499.828 261.522 499.268 259.088 499.876 256.848C500.484 254.607 502.457 252.631 504.78 252.547L504.635 252.794Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M503.149 249.927C501.966 250.236 500.868 250.807 499.935 251.598C499.002 252.389 498.258 253.379 497.758 254.495C497.258 255.612 497.014 256.827 497.046 258.05C497.077 259.274 497.382 260.474 497.938 261.564C496.446 259.703 495.249 257.348 495.772 255.011C496.17 253.64 496.914 252.395 497.932 251.397C498.589 250.578 499.433 249.929 500.393 249.505C500.875 249.297 501.406 249.232 501.923 249.318C502.44 249.403 502.922 249.636 503.311 249.987L503.149 249.927Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M512.855 256.426C513.127 257.892 513.244 259.382 513.204 260.872C513.149 262.618 512.704 264.624 511.146 265.419C512.776 264.469 513.992 262.941 514.551 261.137C515.015 259.33 514.407 257.185 512.831 256.186L512.855 256.426Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M515.063 255.016C515.766 255.702 516.306 256.537 516.644 257.46C516.981 258.382 517.108 259.369 517.013 260.347C516.919 261.325 516.607 262.27 516.1 263.111C515.592 263.952 514.903 264.668 514.082 265.207C515.857 264.509 517.638 263.328 518.198 261.497C518.465 260.377 518.442 259.208 518.132 258.1C517.992 257.268 517.66 256.48 517.163 255.799C516.909 255.463 516.564 255.208 516.17 255.061C515.775 254.915 515.348 254.885 514.936 254.974L515.063 255.016Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M513.21 290.541C513.609 292.675 513.779 294.846 513.715 297.016C513.643 299.564 512.993 302.492 510.707 303.642C513.005 302.184 514.985 300.028 515.665 297.402C516.345 294.776 515.46 291.644 513.162 290.174L513.21 290.541Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M516.381 288.518C517.406 289.517 518.194 290.734 518.687 292.078C519.179 293.423 519.364 294.861 519.227 296.287C519.09 297.713 518.635 299.09 517.896 300.316C517.156 301.542 516.151 302.586 514.955 303.371C517.542 302.347 520.135 300.631 520.972 297.95C521.367 296.321 521.334 294.618 520.875 293.005C520.679 291.791 520.196 290.641 519.467 289.65C519.096 289.161 518.594 288.787 518.018 288.574C517.443 288.361 516.818 288.316 516.218 288.446L516.381 288.518Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M491.759 312.612C490.64 314.092 489.68 315.684 488.895 317.365C487.98 319.34 487.354 321.822 488.648 323.581C487.444 321.587 486.759 319.184 487.246 316.913C487.733 314.642 489.611 312.594 491.921 312.359L491.759 312.612Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M490.122 309.805C488.956 310.175 487.889 310.803 486.998 311.641C486.107 312.48 485.416 313.508 484.975 314.65C484.534 315.792 484.356 317.018 484.452 318.239C484.548 319.459 484.917 320.642 485.531 321.701C483.943 319.894 482.625 317.617 483.022 315.268C483.342 313.874 484.016 312.586 484.978 311.527C485.594 310.676 486.402 309.983 487.336 309.503C487.807 309.273 488.334 309.181 488.856 309.24C489.377 309.299 489.87 309.505 490.279 309.835L490.122 309.805Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M500.159 315.786C500.516 317.234 500.717 318.716 500.76 320.207C500.802 321.954 500.465 323.984 498.955 324.857C500.535 323.824 501.668 322.232 502.126 320.4C502.499 318.593 501.783 316.46 500.153 315.545L500.159 315.786Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M502.258 314.261C502.997 314.91 503.581 315.716 503.967 316.621C504.353 317.525 504.532 318.505 504.489 319.488C504.446 320.471 504.184 321.431 503.72 322.299C503.257 323.167 502.606 323.919 501.813 324.501C503.552 323.706 505.267 322.435 505.73 320.58C505.94 319.447 505.855 318.279 505.484 317.189C505.304 316.365 504.933 315.595 504.401 314.942C504.129 314.62 503.771 314.382 503.369 314.257C502.967 314.132 502.538 314.125 502.132 314.237L502.258 314.261Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<path d=\\\"M539.787 260.985C539.787 260.985 536.652 265.936 538.987 270.117C546.171 271.574 550.534 271.321 551.099 270.629C551.099 270.629 555.51 266.641 552.255 261.859C544.468 258.895 539.787 260.985 539.787 260.985Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<path d=\\\"M547.748 297.873C547.748 297.873 542.495 302.373 545.588 308.047C550.546 311.089 558.536 309.535 558.536 309.535C558.536 309.535 567.189 305.577 562.363 299.512C554 296.295 547.748 297.873 547.748 297.873Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<path d=\\\"M527.097 317.852C527.097 317.852 523.601 322.641 526.947 326.243C532.964 328.965 540.497 327.941 540.497 327.941C540.497 327.941 543.536 324.369 540.178 318.906C531.845 316.226 527.097 317.852 527.097 317.852Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<path d=\\\"M508.444 164.053C508.444 164.053 505.785 167.173 509.852 169.895C531.026 172.094 530.412 169.293 530.412 169.293C530.412 169.293 530.864 164.203 508.444 164.053Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M471.403 162.36C471.128 163.729 471.047 165.13 471.162 166.522C471.295 168.142 471.932 169.979 473.9 170.6C471.902 169.786 470.151 168.515 469.496 166.865C469.177 165.978 469.197 165.004 469.553 164.131C469.908 163.258 470.574 162.548 471.421 162.137L471.403 162.36Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M468.641 161.208C466.956 162.588 466.126 164.515 466.439 166.316C466.752 168.117 468.208 169.744 470.284 170.623C468.051 170.099 465.789 169.135 465.019 167.473C464.635 166.457 464.613 165.34 464.959 164.31C465.113 163.484 465.495 162.716 466.06 162.094C466.417 161.743 466.849 161.477 467.323 161.316C467.796 161.154 468.3 161.101 468.797 161.16L468.641 161.208Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M480.392 163.961C480.353 165.356 480.118 166.739 479.694 168.069C479.201 169.623 478.166 171.267 476.084 171.43C478.22 171.087 480.206 170.225 481.217 168.786C481.728 167.992 481.927 167.037 481.776 166.105C481.625 165.173 481.134 164.329 480.399 163.738L480.392 163.961Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M483.341 163.461C484.671 165.178 485.05 167.25 484.34 168.93C483.63 170.611 481.849 171.876 479.628 172.261C481.927 172.261 484.346 171.822 485.465 170.376C486.066 169.473 486.338 168.39 486.235 167.31C486.261 166.467 486.053 165.632 485.633 164.901C485.363 164.479 485.002 164.124 484.576 163.861C484.15 163.598 483.67 163.435 483.172 163.383L483.341 163.461Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<path d=\\\"M497.126 330.513C497.126 330.513 493.468 334.247 497.27 336.777C504.581 338.735 509.106 337.693 509.106 337.693C509.106 337.693 510.009 336.199 508.709 332.272C505.044 330.766 501.072 330.163 497.126 330.513Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M473.93 326.845C473.292 327.888 472.768 328.996 472.366 330.151C471.896 331.507 471.656 333.163 472.618 334.235C471.643 333.032 471.157 331.505 471.258 329.959C471.326 329.194 471.626 328.468 472.119 327.88C472.612 327.292 473.274 326.869 474.014 326.67L473.93 326.845Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M472.673 325.128C471.933 325.448 471.275 325.931 470.747 326.54C470.219 327.148 469.834 327.868 469.621 328.646C469.408 329.423 469.372 330.239 469.516 331.032C469.66 331.826 469.98 332.577 470.452 333.23C469.297 332.176 468.274 330.748 468.382 329.182C468.499 328.246 468.855 327.355 469.417 326.598C469.765 325.999 470.25 325.492 470.831 325.116C471.122 324.929 471.46 324.83 471.806 324.83C472.152 324.83 472.49 324.929 472.781 325.116L472.673 325.128Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M478.293 328.165C478.493 329.126 478.592 330.105 478.587 331.086C478.587 332.237 478.311 333.568 477.3 334.098C478.36 333.447 479.137 332.422 479.478 331.225C479.633 330.627 479.6 329.996 479.385 329.418C479.17 328.839 478.782 328.341 478.274 327.99L478.293 328.165Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M479.706 327.2C480.179 327.643 480.546 328.186 480.781 328.789C481.016 329.392 481.114 330.041 481.066 330.687C481.018 331.332 480.826 331.959 480.504 332.521C480.183 333.083 479.739 333.566 479.207 333.934C480.368 333.44 481.524 332.639 481.861 331.428C482.023 330.686 481.992 329.914 481.77 329.188C481.669 328.642 481.44 328.128 481.102 327.688C480.928 327.471 480.696 327.308 480.433 327.217C480.17 327.126 479.887 327.112 479.616 327.176L479.706 327.2Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M373.36 203.059C380.725 208.004 381.682 218.226 385.461 226.261C388.469 232.682 393.506 237.898 398.446 242.994C401.653 246.301 404.902 249.619 408.813 252.077C413.549 255.028 419.042 256.504 424.187 258.606C434.243 262.714 443.151 269.207 450.145 277.526C432.605 261.57 402.61 262.967 388.512 243.897C379.582 231.814 379.985 214.985 372.229 202.113L373.36 203.059Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M375.292 251.672C380.912 255.238 383.752 261.442 387.844 266.562C391.117 270.658 395.365 274.2 399.523 277.663C402.16 279.965 404.964 282.069 407.911 283.957C411.479 286.114 415.173 287.451 418.82 289.138C426.172 292.597 432.965 297.141 438.971 302.618C424.656 291.607 406.478 289.969 393.602 277.38C385.449 269.405 381.995 259.358 374.383 251.01L375.292 251.672Z\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<g opacity=\\\"0.2\\\">\\n<path opacity=\\\"0.2\\\" d=\\\"M493.522 372.381C484.382 371.176 462.233 365.641 458.959 364.768C447.65 361.919 436.584 358.177 425.865 353.576C426.547 354.614 427.434 355.502 428.471 356.184L436.293 359.726C438.815 360.918 441.407 361.956 444.055 362.834C446.985 363.738 449.91 364.328 452.84 364.972C465.729 367.9 478.551 372.381 491.35 373.291C492.372 373.291 493.756 373.291 493.311 372.646\\\" fill=\\\"#007473\\\"/>\\n</g>\\n<path opacity=\\\"0.2\\\" d=\\\"M517.56 349.064C517.56 349.064 527.988 351.474 537.152 353.781C539.378 354.865 544.33 355.889 545.943 359.346C542.453 359.696 516.832 355.859 516.832 355.859L517.56 349.064Z\\\" fill=\\\"#007473\\\"/>\\n<path opacity=\\\"0.2\\\" d=\\\"M509.948 312.721L510.971 316.997C518.915 319.6 527.172 321.125 535.521 321.533L534.673 320.364C533.025 318.457 530.822 317.115 528.373 316.527C525.098 315.655 521.757 315.05 518.384 314.72C515.531 314.243 512.713 313.575 509.948 312.721Z\\\" fill=\\\"#007473\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M601.234 154.287C601.234 154.287 620.061 106.841 607.293 102.535C594.525 98.2279 568.374 114.75 568.374 114.75\\\" fill=\\\"#00B77E\\\"/>\\n<path opacity=\\\"0.3\\\" fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M601.234 154.287C601.234 154.287 620.061 106.841 607.293 102.535C594.525 98.2279 568.374 114.75 568.374 114.75\\\" fill=\\\"#00565B\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M570.041 374.653C584.687 336.899 579.355 306.029 579.355 306.029L529.57 305.035C529.57 305.035 529.57 367.154 535.425 373.954C546.9 375.497 558.513 375.731 570.041 374.653Z\\\" fill=\\\"#00B77E\\\"/>\\n<path opacity=\\\"0.3\\\" fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M570.041 374.653C584.687 336.899 579.355 306.029 579.355 306.029L529.57 305.035C529.57 305.035 529.57 367.154 535.425 373.954C546.9 375.497 558.513 375.731 570.041 374.653Z\\\" fill=\\\"#00565B\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M425.547 370.068C432.514 357.178 430.36 324.67 430.36 324.67L402.483 323.791C402.483 323.791 399.348 356.01 406.093 369.454C412.416 371.34 419.118 371.552 425.547 370.068Z\\\" fill=\\\"#00B77E\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M395.353 381.839C406.569 361.136 402.85 311.106 402.85 311.106L341.849 308.559C341.849 308.559 345.038 334.628 365.273 380.905C375.018 384.008 385.435 384.331 395.353 381.839Z\\\" fill=\\\"#00B77E\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M531.357 386.294C545.004 366.218 537.928 316.496 537.928 316.496L483.341 315.146C483.341 315.146 477.215 364.942 490.483 386.294C504.092 387.233 517.749 387.233 531.357 386.294Z\\\" fill=\\\"#00B77E\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M450.644 362.002C538.999 370.26 616.607 312.852 623.984 233.801C631.361 154.751 565.739 83.9888 477.384 75.6404C389.029 67.292 311.42 124.875 304.092 203.938C296.763 283 362.349 353.75 450.644 362.002Z\\\" fill=\\\"#28B482\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M406.569 90.5846L400.419 100.632C417.989 98.0837 445.168 82.2122 494.84 106.113L508.366 98.0837C508.366 98.0837 459.928 76.3816 406.569 90.5846Z\\\" fill=\\\"#00565B\\\"/>\\n<path opacity=\\\"0.3\\\" fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M524.769 165.714C524.769 165.714 542.922 124.093 534.637 119.937C526.351 115.781 498.059 126.671 485.525 133.055C485.525 133.055 517.741 144.771 524.769 165.714Z\\\" fill=\\\"#00565B\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M586.119 190.199C586.082 191.404 586.404 192.594 587.042 193.616C587.681 194.639 588.608 195.45 589.706 195.945C590.805 196.441 592.025 196.6 593.214 196.401C594.402 196.203 595.506 195.656 596.384 194.831C596.968 194.284 597.439 193.626 597.768 192.896C598.097 192.167 598.279 191.379 598.303 190.578L598.682 178.393C598.731 176.776 598.137 175.207 597.03 174.029C595.923 172.851 594.394 172.161 592.78 172.111C591.98 172.085 591.184 172.217 590.435 172.5C589.687 172.783 589.002 173.211 588.419 173.759C587.836 174.307 587.367 174.965 587.038 175.695C586.709 176.425 586.528 177.213 586.504 178.013L586.119 190.199Z\\\" fill=\\\"#00353F\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M544.86 203.469C544.809 205.086 545.403 206.656 546.509 207.835C547.616 209.014 549.144 209.704 550.759 209.754C552.374 209.805 553.943 209.211 555.121 208.103C556.298 206.996 556.988 205.465 557.038 203.849L557.417 191.663C557.468 190.047 556.874 188.476 555.768 187.297C554.661 186.119 553.133 185.428 551.518 185.378C549.903 185.328 548.334 185.922 547.156 187.029C545.979 188.137 545.289 189.667 545.239 191.284L544.86 203.469Z\\\" fill=\\\"#00353F\\\"/>\\n<path opacity=\\\"0.3\\\" fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M551.911 246.609C551.238 267.552 558.386 284.688 592.912 288.519C611.246 290.483 617.281 277.773 617.925 256.8C618.569 235.827 650.61 210.197 603.051 208.734C569.313 207.656 552.706 225.551 551.911 246.609Z\\\" fill=\\\"#00565B\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M569.957 249.215C569.253 272.104 585.914 291.246 607.179 291.89C628.443 292.535 646.242 274.525 646.976 251.618C647.71 228.712 631.018 209.587 609.754 208.913C588.489 208.238 570.655 226.284 569.957 249.215Z\\\" fill=\\\"#00B77E\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M627.998 246.054C627.666 244.691 626.873 243.484 625.753 242.64C624.632 241.797 623.254 241.368 621.853 241.427C620.453 241.487 619.116 242.031 618.071 242.966C617.026 243.902 616.337 245.171 616.122 246.558C615.908 247.945 616.18 249.363 616.893 250.572C617.606 251.78 618.715 252.704 620.032 253.185C621.349 253.666 622.792 253.676 624.115 253.211C625.438 252.747 626.559 251.837 627.288 250.638C627.701 249.958 627.976 249.203 628.098 248.417C628.22 247.63 628.186 246.828 627.998 246.054Z\\\" fill=\\\"#00353F\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M604.627 251.915C604.296 250.555 603.503 249.352 602.385 248.511C601.267 247.67 599.892 247.243 598.494 247.302C597.097 247.362 595.763 247.905 594.72 248.839C593.678 249.773 592.991 251.039 592.777 252.423C592.562 253.807 592.834 255.222 593.545 256.428C594.256 257.633 595.363 258.555 596.677 259.036C597.99 259.517 599.43 259.527 600.75 259.064C602.07 258.601 603.19 257.695 603.917 256.499C604.332 255.82 604.609 255.065 604.731 254.278C604.853 253.492 604.817 252.688 604.627 251.915Z\\\" fill=\\\"#00353F\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M501.043 74.7744C501.047 65.2365 497.747 55.9923 491.705 48.617C485.664 41.2418 477.254 36.192 467.91 34.3281C458.566 32.4642 448.865 33.9015 440.46 38.3952C432.056 42.8888 425.468 50.1607 421.82 58.9717C418.171 67.7826 417.688 77.5874 420.452 86.7152C423.216 95.843 429.056 103.729 436.977 109.029C444.899 114.33 454.411 116.716 463.893 115.783C473.375 114.849 482.241 110.653 488.979 103.909C492.805 100.086 495.841 95.5446 497.911 90.5451C499.981 85.5456 501.045 80.1864 501.043 74.7744Z\\\" fill=\\\"#00565B\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M495.273 71.7796C495.271 61.5664 491.474 51.719 484.621 44.1525C477.769 36.5859 468.35 31.841 458.196 30.8406C448.043 29.8401 437.881 32.6555 429.686 38.7394C421.491 44.8233 415.849 53.7406 413.858 63.7574C411.866 73.7742 413.668 84.1743 418.911 92.9353C424.155 101.696 432.466 108.192 442.229 111.159C451.992 114.126 462.508 113.353 471.732 108.989C480.956 104.625 488.23 96.9829 492.138 87.5487C494.208 82.5496 495.273 77.1911 495.273 71.7796Z\\\" fill=\\\"#A5E1D2\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M500.02 105.464C468.135 90.6632 431.742 88.8892 398.572 100.519L457.618 129.045L500.02 105.464Z\\\" fill=\\\"#00B77E\\\"/>\\n<path opacity=\\\"0.2\\\" d=\\\"M452.642 255.631L427.075 254.185L431.365 248.162C431.365 248.162 435.439 248.704 443.532 249.09C445.44 249.422 447.249 250.179 448.826 251.305C450.402 252.431 451.706 253.897 452.642 255.595V255.631Z\\\" fill=\\\"#007473\\\"/>\\n<path d=\\\"M550.365 307.716C565.119 305.138 570.691 292.133 551.749 288.128C532.783 287.236 507.271 286.743 491.699 282.171C489.168 281.435 486.54 281.094 483.906 281.159C457.082 281.671 432.617 259.915 434.819 260.143C450.319 268.329 454.176 268.377 482.956 270.052C487.246 270.305 491.38 271.702 495.628 270.967C503.745 269.564 527.518 269.227 536.105 267.908C537.775 267.67 539.352 266.991 540.673 265.941C541.994 264.891 543.011 263.507 543.62 261.932C545.979 255.596 540.01 251.488 534.239 250.892C523.565 249.771 512.698 256.313 497.74 250.494C493.75 248.932 489.496 248.154 485.212 248.205C437.677 248.922 392.489 214.878 395.931 206.987C396.683 205.482 423.098 193.29 431.774 193.519C438.333 193.694 496.518 186.291 502.06 167.884C504.166 154.494 478.22 157.168 461.041 161.367C442.076 165.86 414.108 164.884 395.353 165.541C395.353 165.541 297.876 178.961 293.965 179.665C290.039 180.372 286.01 180.26 282.129 179.334C260.987 174.126 240.608 166.197 221.501 155.747C168.232 126.491 105.804 175.708 121.93 234.52C122.171 235.327 122.381 236.134 122.616 236.929C152.202 258.987 261.906 278.219 264.794 280.9C329.472 333.207 332.817 308.258 427.075 346.615C449.723 355.83 455.355 352.511 461.035 352.903C467.384 353.337 493.48 351.174 506.735 349.584C515.984 348.47 511.922 343.205 511.681 341.694C510.267 332.659 477.691 339.826 461.535 337.284C460.855 337.176 434.506 334.273 427.075 322.545C443.538 326.912 430.342 333.339 481.578 335.297C500.038 336.001 514.407 335.869 535.286 332.845C546.948 329.834 545.377 324.16 544.023 321.461C541.394 315.438 533.192 315.39 530.707 315.257C520.803 316.341 497.397 316.727 488.191 314.51C484.785 313.691 481.253 314.637 477.805 314.016C454.17 309.8 439.861 298.494 433.561 293.537C431.546 292.639 445.511 298.675 480.82 306.547C487.535 308.047 512.109 308.469 518.956 307.836C536.171 306.258 549.246 307.909 550.365 307.716Z\\\" fill=\\\"#A5E1D2\\\"/>\\n<path fill-rule=\\\"evenodd\\\" clip-rule=\\\"evenodd\\\" d=\\\"M51.9574 63.9316C-2.11825 88.1395 -0.914834 192.669 0.396893 198.132C1.64596 202.145 4.19772 205.626 7.64749 208.022L215.971 292.132L245.702 167.907L51.9574 63.9316Z\\\" fill=\\\"#007272\\\"/>\\n<path d=\\\"M528.258 256.263C528.258 256.263 526.02 262.287 529.462 266.28C537.531 266.196 542.17 264.949 542.621 264.052C542.621 264.052 546.454 258.751 541.857 254.348C532.825 252.945 528.258 256.263 528.258 256.263Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<path d=\\\"M545.257 294.144C545.257 294.144 540.63 300.168 545.257 305.589C551.274 307.727 559.535 304.221 559.535 304.221C559.535 304.221 567.959 297.987 561.34 292.56C551.629 291.018 545.257 294.144 545.257 294.144Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<path d=\\\"M527.603 320.382C527.603 320.382 524.931 326.34 529.353 329.448C536.49 330.996 544.33 328.177 544.33 328.177C544.33 328.177 546.785 323.629 541.923 318.539C532.338 317.545 527.603 320.382 527.603 320.382Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<path d=\\\"M472.39 159.088C472.39 159.088 470.242 163.058 475.242 165.057C498.534 162.582 497.234 159.721 497.234 159.721C497.234 159.721 496.554 154.125 472.39 159.088Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<path d=\\\"M498.215 340.867C498.215 340.867 495.128 345.728 499.804 347.583C508.119 348.017 512.752 345.854 512.752 345.854C512.752 345.854 513.384 344.047 511.086 340.114C504.485 338.723 498.215 340.867 498.215 340.867Z\\\" fill=\\\"#EBFFFA\\\"/>\\n<path d=\\\"M491.313 291.909C490.346 293.705 489.575 295.602 489.015 297.564C488.353 299.871 488.1 302.678 489.803 304.359C488.161 302.401 486.999 299.908 487.144 297.354C487.288 294.8 488.949 292.252 491.44 291.607L491.313 291.909Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M489.057 289.164C487.854 289.767 486.801 290.632 485.976 291.697C485.151 292.762 484.576 293.998 484.292 295.315C484.009 296.632 484.024 297.996 484.338 299.306C484.651 300.616 485.254 301.839 486.103 302.885C484.075 301.223 482.246 298.946 482.276 296.326C482.384 294.751 482.898 293.232 483.768 291.916C484.292 290.887 485.051 289.996 485.982 289.314C486.454 288.98 487.011 288.788 487.589 288.763C488.166 288.737 488.738 288.878 489.238 289.17L489.057 289.164Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M488.588 255.493C487.619 257.289 486.848 259.185 486.289 261.149C485.627 263.45 485.375 266.256 487.077 267.943C485.435 265.985 484.273 263.492 484.418 260.938C484.562 258.384 486.223 255.836 488.714 255.186L488.588 255.493Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M486.295 252.745C485.092 253.348 484.04 254.214 483.216 255.278C482.392 256.342 481.817 257.578 481.534 258.895C481.251 260.211 481.267 261.574 481.581 262.884C481.895 264.193 482.498 265.416 483.347 266.46C481.319 264.804 479.49 262.527 479.52 259.907C479.628 258.333 480.142 256.814 481.012 255.498C481.535 254.468 482.293 253.576 483.227 252.896C483.697 252.56 484.255 252.368 484.832 252.341C485.409 252.314 485.982 252.455 486.482 252.745H486.295Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M498.215 257.516C498.842 259.032 499.307 260.608 499.605 262.221C499.948 264.118 499.924 266.383 498.402 267.594C499.939 266.196 500.897 264.273 501.085 262.203C501.169 260.149 500.032 257.986 498.077 257.27L498.215 257.516Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M500.255 255.505C501.168 256.083 501.94 256.859 502.514 257.775C503.088 258.692 503.449 259.725 503.571 260.8C503.692 261.874 503.572 262.962 503.218 263.984C502.864 265.006 502.285 265.935 501.524 266.703C503.281 265.54 504.924 263.866 505.135 261.764C505.169 260.507 504.879 259.262 504.292 258.15C503.955 257.284 503.419 256.51 502.728 255.891C502.376 255.588 501.945 255.392 501.486 255.326C501.026 255.259 500.557 255.326 500.135 255.517L500.255 255.505Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M506.41 294.162C507.33 296.367 508.012 298.665 508.444 301.016C508.95 303.775 508.913 307.076 506.735 308.846C508.877 306.75 510.52 303.986 510.646 301.016C510.773 298.047 509.112 294.866 506.308 293.824L506.41 294.162Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M509.353 291.229C510.685 292.069 511.812 293.199 512.649 294.534C513.487 295.869 514.014 297.375 514.192 298.942C514.37 300.508 514.194 302.095 513.677 303.584C513.16 305.073 512.316 306.427 511.206 307.546C513.763 305.847 516.158 303.408 516.423 300.348C516.585 298.541 515.954 296.734 515.219 295.041C514.728 293.781 513.944 292.656 512.933 291.759C512.423 291.317 511.797 291.03 511.13 290.933C510.462 290.836 509.781 290.932 509.166 291.211L509.353 291.229Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M488.353 322.803C487.489 324.652 486.819 326.586 486.355 328.574C485.82 330.911 485.718 333.73 487.505 335.32C485.76 333.447 484.496 331.025 484.496 328.465C484.496 325.905 486.049 323.273 488.485 322.496L488.353 322.803Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M485.958 320.182C484.788 320.847 483.782 321.767 483.015 322.873C482.247 323.98 481.738 325.245 481.524 326.574C481.31 327.904 481.398 329.265 481.78 330.557C482.162 331.848 482.829 333.037 483.732 334.036C481.614 332.488 479.67 330.308 479.562 327.687C479.59 326.11 480.023 324.567 480.82 323.206C481.289 322.15 482.003 321.221 482.901 320.496C483.354 320.137 483.899 319.917 484.473 319.86C485.047 319.804 485.625 319.913 486.139 320.176L485.958 320.182Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M498.125 324.321C498.829 325.801 499.376 327.352 499.755 328.947C500.201 330.82 500.297 333.079 498.871 334.368C500.338 332.895 501.197 330.923 501.278 328.845C501.278 326.791 500.002 324.689 498.047 324.074L498.125 324.321Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M500.02 322.2C500.963 322.729 501.776 323.463 502.398 324.348C503.02 325.233 503.435 326.246 503.614 327.313C503.792 328.38 503.729 329.474 503.429 330.514C503.129 331.553 502.599 332.512 501.879 333.319C503.57 332.066 505.123 330.308 505.195 328.199C505.168 326.925 504.811 325.68 504.16 324.585C503.776 323.739 503.199 322.994 502.475 322.411C502.11 322.124 501.669 321.95 501.207 321.908C500.745 321.866 500.28 321.959 499.87 322.176L500.02 322.2Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M432.123 165.751C432.142 167.287 432.373 168.814 432.809 170.287C433.327 172.003 434.434 173.828 436.696 174.045C434.356 173.63 432.183 172.666 431.1 171.033C430.556 170.15 430.357 169.097 430.54 168.076C430.723 167.055 431.276 166.137 432.093 165.498L432.123 165.751Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M428.886 165.142C427.394 167.01 426.937 169.28 427.683 171.166C428.429 173.051 430.372 174.448 432.809 174.918C430.282 174.87 427.628 174.346 426.419 172.738C425.776 171.729 425.498 170.53 425.631 169.341C425.61 168.417 425.848 167.505 426.317 166.708C426.62 166.248 427.023 165.862 427.496 165.58C427.969 165.297 428.5 165.125 429.049 165.076L428.886 165.142Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M442.166 165.419C442.443 166.928 442.508 168.469 442.358 169.997C442.178 171.804 441.438 173.791 439.266 174.436C441.48 173.58 443.429 172.213 444.182 170.412C444.546 169.441 444.54 168.37 444.164 167.403C443.789 166.436 443.071 165.642 442.148 165.172L442.166 165.419Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M445.229 164.202C447.034 165.75 447.93 167.888 447.551 169.864C447.172 171.839 445.541 173.604 443.243 174.526C445.716 173.996 448.213 172.978 449.098 171.165C449.534 170.052 449.578 168.824 449.224 167.683C449.06 166.767 448.644 165.916 448.021 165.226C447.632 164.831 447.16 164.529 446.639 164.342C446.118 164.156 445.562 164.089 445.012 164.148L445.229 164.202Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M472.414 342.228C471.967 343.498 471.658 344.813 471.493 346.149C471.295 347.715 471.415 349.565 472.697 350.492C471.375 349.417 470.506 347.884 470.26 346.198C470.156 345.358 470.313 344.508 470.709 343.761C471.106 343.014 471.722 342.408 472.474 342.023L472.414 342.228Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M470.669 340.674C469.947 341.188 469.349 341.858 468.92 342.634C468.491 343.411 468.242 344.274 468.191 345.159C468.139 346.045 468.287 346.931 468.623 347.751C468.96 348.572 469.476 349.307 470.133 349.902C468.647 349.028 467.221 347.727 466.974 346.017C466.889 344.984 467.071 343.946 467.504 343.005C467.749 342.279 468.162 341.621 468.707 341.083C468.982 340.82 469.326 340.641 469.699 340.566C470.072 340.492 470.458 340.525 470.813 340.662L470.669 340.674Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M477.414 342.65C477.848 343.638 478.177 344.67 478.395 345.728C478.653 346.975 478.671 348.462 477.703 349.281C478.701 348.333 479.305 347.042 479.393 345.667C479.422 344.988 479.242 344.315 478.878 343.741C478.513 343.167 477.981 342.719 477.354 342.457L477.414 342.65Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n<path d=\\\"M478.714 341.295C479.323 341.663 479.843 342.162 480.234 342.758C480.625 343.353 480.879 344.028 480.975 344.734C481.071 345.44 481.009 346.159 480.791 346.837C480.574 347.516 480.207 348.137 479.718 348.655C480.856 347.86 481.915 346.734 482.005 345.348C482.017 344.507 481.809 343.676 481.403 342.939C481.169 342.374 480.804 341.872 480.338 341.475C480.103 341.282 479.817 341.159 479.514 341.121C479.212 341.084 478.905 341.134 478.629 341.265L478.714 341.295Z\\\" fill=\\\"#02585D\\\" fill-opacity=\\\"0.2\\\"/>\\n</svg>\\n\"},\"_meta\":{\"id\":\"tipsItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Incapacitated for work or on long-term sick leave?\",\"isTranslated\":true,\"description\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Paid-up policies with disability pension may be eligible for payout in the event of incapacity.\",\"isTranslated\":true}]}],\"hyperlinks\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"loginType\":\"ssn_cb\",\"newTab\":false,\"label\":\"Report incapacity or long-term illness\",\"isTranslated\":true,\"ctaType\":\"login\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/segp/apps/tep/claimdetailsoverview\",\"href\":\"https://www.dnb.no/segp/apps/tep/claimdetailsoverview\"}}],\"image\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"sharpnessEnabled\":false,\"base64\":\"data:image/jpeg;base64,R0lGODlhAQABAIAAAP///wAAACH5BAEAAAAALAAAAAABAAEAAAICRAEAOw==\",\"altText\":\"Meld insurance event_PM_dnb.no.svg\",\"dynamicMediaPath\":\"dnbbank/3388978\",\"isVector\":true,\"id\":\"/content/dam/brandcentre/no/7/33/88/9/3388978.svg\",\"isTranslated\":true,\"isVideo\":false,\"caption\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"url\":\"https://media.web.dnb.no/is/content/dnbbank/3388978\",\"posterImage\":\"https://media.web.dnb.no/is/image/dnbbank/3388978\",\"finalUrl\":\"https://media.web.dnb.no/is/content/dnbbank/3388978\",\"svgContent\":\"<svg id=\\\"dnb-svg-61505911-Layer_1\\\" data-name=\\\"Layer 1\\\" xmlns=\\\"http://www.w3.org/2000/svg\\\" viewBox=\\\"0 0 570.59 385.86\\\">\\n  <defs>\\n    <style>\\n      .dnb-svg-61505911-cls-1 {\\n        fill: #e9f5f2;\\n        fill-rule: evenodd;\\n      }\\n\\n      .dnb-svg-61505911-cls-2 {\\n        fill: #16565a;\\n      }\\n\\n      .dnb-svg-61505911-cls-3 {\\n        fill: #a7dace;\\n      }\\n\\n      .dnb-svg-61505911-cls-4 {\\n        fill: #027272;\\n      }\\n\\n      .dnb-svg-61505911-cls-5 {\\n        opacity: 0.14;\\n      }\\n\\n      .dnb-svg-61505911-cls-6 {\\n        fill: #01343e;\\n        opacity: 0.5;\\n      }\\n\\n      .dnb-svg-61505911-cls-7 {\\n        fill: #00353f;\\n      }\\n\\n      .dnb-svg-61505911-cls-8 {\\n        fill: #121313;\\n      }\\n\\n      .dnb-svg-61505911-cls-9 {\\n        fill: #9cd6cb;\\n      }\\n    </style>\\n  </defs>\\n  <g>\\n    <g>\\n      <path class=\\\"dnb-svg-61505911-cls-1\\\" d=\\\"M415.88,678.65s-10.27,0-47.94,9.68-85.61,17.74-109.58-25.81,13.7-67.74,32.53-75.8,119.85-56.45,428.05-19.35c41.09,6.45,89,8.33,101,57.38,6,24.53-10.42,40.56-28.33,50.46a99.66,99.66,0,0,1-51.34,12c-14.28-.44-35.38,2.67-43,23.25-12,32.25-105,45.57-199.19-1.2C451.84,681.87,415.88,678.65,415.88,678.65Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <g>\\n        <path class=\\\"dnb-svg-61505911-cls-2\\\" d=\\\"M737.68,408.58l-.27-19.13c2.63-7-23-9.46-23-9.46s-195.15-23.45-217.7-25.93c-13.31-1.36-30,4.06-30,4.06l-48.94,16.46-26.39,9c-21.62,6.92-23.33,10.49-23.07,11.7a9.79,9.79,0,0,1,.29,1.93v17.43a4.27,4.27,0,0,0-3.16,2.57,4.75,4.75,0,0,0,2.37,5.82,39.4,39.4,0,0,0,7.68,2.57l15.62,15.15L659,470.85l69.69-50.71,12.56-6.69C742.55,410.31,737.68,408.58,737.68,408.58Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n        <path class=\\\"dnb-svg-61505911-cls-2\\\" d=\\\"M376.47,424.82l4.16,178.8L609,654.5s30,8.85,52.73-12.32l58.89-40s5.91-4.33,5.76-9.89c-.14-7.76,2.28-172.12,2.28-172.12l-81.12,36s-11.76,3.3-23.91,1.28l-14.92-1.66L376.47,420.14Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n        <polygon class=\\\"dnb-svg-61505911-cls-3\\\" points=\\\"221.81 112.22 261.72 119.53 263.38 253.9 221.81 245.59 221.81 112.22\\\"/>\\n        <polygon class=\\\"dnb-svg-61505911-cls-3\\\" points=\\\"184.55 150.13 301.94 170.75 303.29 216.65 184.55 195.7 184.55 150.13\\\"/>\\n        <path class=\\\"dnb-svg-61505911-cls-2\\\" d=\\\"M379.77,599.11c-3.35,2.81-2.41,8.58.74,11.61s7.68,4,12,4.95l119.75,25,98.66,20.63c7.34,1.54,14.88,3.08,22.3,2,7.9-1.19,15-5.3,21.84-9.48A559.81,559.81,0,0,0,725.19,603c2.14-1.82,4.5-4.44,3.51-7.08-.79-2.09-3.45-2.93-5.62-2.42s-3.94,2-5.64,3.44c-25.27,21.35-54.25,41.05-87.21,43.87-12.69,1.09-25.48-.39-38.05-2.49-47.09-7.83-92.49-24.12-139.65-31.56-10.55-1.67-21.2-2.89-31.5-5.69-7.1-1.92-14-4.59-21.31-5.66s-14-.6-20,3.71\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n        <polygon class=\\\"dnb-svg-61505911-cls-4\\\" points=\\\"315.52 17.07 246.68 44.43 285.69 50.61 354.36 22.72 315.52 17.07\\\"/>\\n        <polygon class=\\\"dnb-svg-61505911-cls-4\\\" points=\\\"233.27 30.49 257.45 21.13 372.01 35.96 349.94 46.38 233.27 30.49\\\"/>\\n        <g class=\\\"dnb-svg-61505911-cls-5\\\">\\n          <path class=\\\"dnb-svg-61505911-cls-3\\\" d=\\\"M661.64,644.7a5.47,5.47,0,0,0-3.33,4c1.93.17,3.77-.77,5.44-1.76,8.35-5,15.38-12,24-16.47,2.08-1.07,4.26-2,6.25-3.22a43.16,43.16,0,0,0,6.65-5.51l11.5-10.88a71.5,71.5,0,0,0,7-7.26c-1.37-1.08-3.36-.17-4.83.76-12.06,7.63-23.79,15.77-35.51,23.9a110.73,110.73,0,0,0-11.22,8.52,54.58,54.58,0,0,0-7.86,8.84\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n        </g>\\n      </g>\\n      <path class=\\\"dnb-svg-61505911-cls-6\\\" d=\\\"M375.5,425.62l182.84,29a.67.67,0,0,1-.16,1.33l-82.46-7.09c-1.49-.13-3-.33-4.43-.6l-52.64-9.65C416.39,438.17,375.5,425.62,375.5,425.62Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <path class=\\\"dnb-svg-61505911-cls-3\\\" d=\\\"M728.66,420.14\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <path class=\\\"dnb-svg-61505911-cls-6\\\" d=\\\"M728.66,420.14v5.19s-14.91,15.75-68.4,29.58a1.62,1.62,0,0,1-1.11-3C684.49,440.16,728.66,420.14,728.66,420.14Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <path class=\\\"dnb-svg-61505911-cls-6\\\" d=\\\"M574.43,455.92l54.71,3.75a30.15,30.15,0,0,0,9.36-.83l5.85-1.49c1.73-.44,3,1.17,1.52,1.95L641,461.92a22.74,22.74,0,0,1-13.46,2.21l-53.31-7.2C573.31,456.81,573.51,455.86,574.43,455.92Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n    </g>\\n    <g>\\n      <path class=\\\"dnb-svg-61505911-cls-7\\\" d=\\\"M648.92,510.52l11.17-5.34L661.55,580l-11.17,6.31L650.7,555s8.45,2,7.8-4.88c-.29-2.61-1.92-7-8.58-7.83C649.56,536.09,648.92,510.52,648.92,510.52Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <path class=\\\"dnb-svg-61505911-cls-7\\\" d=\\\"M649.92,542.32l12.55-6.94s12.3,2.08,7.43,12.29L658,553.26S661.33,543.66,649.92,542.32Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <path class=\\\"dnb-svg-61505911-cls-7\\\" d=\\\"M664.5,550.19S664,580.08,667,600.41a5.78,5.78,0,0,0,1.76,3.46c.86.79,2.15,1.43,4.61,1.28s42.31-18.88,43.89-32.66v-6l-.81-45.13s-.14-3.51.73-4.33a2.58,2.58,0,0,0,.89-1.45c.26-1.67-.21-4.13-2.29-5a3.66,3.66,0,0,0-4.2,1.15c-1.51,1.83-2.75,4.25-2.68,10,.09,7-.45,44.5-.45,44.5s-.27,4.77-1.17,5.93,0,4.72-32.16,22.08a.72.72,0,0,1-1.07-.56c-.79-8-3.24-40.78-4.29-47.93C668.64,538.2,664.5,550.19,664.5,550.19Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <path class=\\\"dnb-svg-61505911-cls-7\\\" d=\\\"M710.68,476l9.16-4.69L721.3,500s7.43,1.89,7.27,7.8a7.47,7.47,0,0,1-.23,1.48l-.27,1.09a3.61,3.61,0,0,1-1.4,2.06L718.9,518s3.92-8.51-4.83-10.41a3.19,3.19,0,0,1-2-1.27l0,0a4.47,4.47,0,0,1-.81-2.47Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <polygon class=\\\"dnb-svg-61505911-cls-7\\\" points=\\\"471.24 162.06 469.74 188.51 466.19 189.06 465.86 165.46 468.28 164.19 471.24 162.06\\\"/>\\n      <path class=\\\"dnb-svg-61505911-cls-8\\\" d=\\\"M676,597c-.25.88-.37,2.1.47,2.46a1.81,1.81,0,0,0,1,0c3.64-.55,6.9-2.53,9.93-4.65,4.28-3,8.32-6.33,12.79-9a57.52,57.52,0,0,0,6.82-4.35,11.48,11.48,0,0,0,4.32-6.65c-1.44-.55-2.95.5-4.15,1.46a219.85,219.85,0,0,1-20,13.67L675.88,597\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      <g class=\\\"dnb-svg-61505911-cls-5\\\">\\n        <path class=\\\"dnb-svg-61505911-cls-9\\\" d=\\\"M676.17,537.37c2,14.19,3.16,28.28,2.12,42.58a2.45,2.45,0,0,0,.56,1.83,1.57,1.57,0,0,0,2,.3,57.22,57.22,0,0,0,16.7-9.22,16.26,16.26,0,0,0,5.18-6.07c1-2.42,1-5.12.89-7.74q-.5-18.66-1.35-37.32a6.48,6.48,0,0,0-7.89-6C684.42,518,673.54,518.25,676.17,537.37Z\\\" transform=\\\"translate(-250.62 -353.84)\\\"/>\\n      </g>\\n      <ellipse class=\\\"dnb-svg-61505911-cls-7\\\" cx=\\\"404.81\\\" cy=\\\"194.59\\\" rx=\\\"5.51\\\" ry=\\\"5.2\\\"/>\\n      <ellipse class=\\\"dnb-svg-61505911-cls-7\\\" cx=\\\"466.16\\\" cy=\\\"156.87\\\" rx=\\\"5.51\\\" ry=\\\"5.2\\\"/>\\n    </g>\\n  </g>\\n</svg>\\n\"},\"_meta\":{\"id\":\"tipsItem\"}}],\"_meta\":{\"id\":\"tips\",\"anchorId\":\"adeb51715-3191-4bc1-a1c0-a08b5a2da0ad\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"images\":[],\"contentType\":\"priceContent\",\"isTranslated\":true,\"sectionTitle\":\"Management of Pension Funds in Guaranteed Paid-Up Policy\",\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The paid-up policy has a guaranteed interest rate that is added to the policy each year to secure the guaranteed pension.\",\"isTranslated\":true}]}],\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"cta1\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"iconPosition\":\"left\",\"loginIntro\":\"\",\"loginTitle\":\"\",\"loginType\":\"ssn_cb\",\"newTab\":false,\"showIcon\":false,\"icon\":\"edit\",\"label\":\"Read more about how the pension funds are managed here\",\"isTranslated\":true,\"loginButtonLabel\":\"\",\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/portalfront/nedlast/no/privat/Pensjon/Fripolise_med_garanti_-_forvaltning_av_pensjonsmidlene.pdf\",\"href\":\"https://www.dnb.no/portalfront/nedlast/no/privat/Pensjon/Fripolise_med_garanti_-_forvaltning_av_pensjonsmidlene.pdf\"},\"mobileUrl\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"\",\"href\":\"\"}},\"_meta\":{\"id\":\"text\",\"anchorId\":\"a0ebda5ff-ffc8-4068-a5ad-c4baf2a5be46\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Terms and Conditions\",\"isTranslated\":true,\"items\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Paid-Up Policy Terms and Conditions\",\"isTranslated\":true,\"description\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"hyperlinks\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"newTab\":false,\"label\":\"Policy conditions paid-up policy\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/portalfront/nedlast/no/privat/avtaler-vilkaar/forsikringsvilkaar_fripoliser.pdf.pdf\",\"href\":\"https://www.dnb.no/portalfront/nedlast/no/privat/avtaler-vilkaar/forsikringsvilkaar_fripoliser.pdf.pdf\"}}],\"_meta\":{\"id\":\"tipsItem\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"title\":\"Terms continuation insurance\",\"isTranslated\":true,\"description\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"hyperlinks\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"newTab\":false,\"label\":\"Policy conditions continuation insurance\",\"isTranslated\":true,\"ctaType\":\"default\",\"urlParams\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"key\":\"topicLevel1\",\"value\":\"\"}],\"url\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"path\":\"www.dnb.no/portalfront/nedlast/no/privat/avtaler-vilkaar/forsikringsvilkaar_fortsettelsesforsikring.pdf\",\"href\":\"https://www.dnb.no/portalfront/nedlast/no/privat/avtaler-vilkaar/forsikringsvilkaar_fortsettelsesforsikring.pdf\"}}],\"_meta\":{\"id\":\"tipsItem\"}}],\"_meta\":{\"id\":\"tips\",\"anchorId\":\"a6e2244e6-46bb-4293-b2c4-a621e201b12c\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"anchorTag\":\"faq\",\"isTranslated\":true,\"sectionTitle\":\"Terms and frequently asked questions about paid-up policies\",\"list\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What rate of return will I receive on my paid-up policy?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You will receive a guaranteed return on your paid-up policy. This is a minimum return that the pension provider must add each year to secure your agreed pension payment.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"How can I influence the return on my paid-up policy?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"By choosing a paid-up policy with unit-linked products, you can influence the return and your future pension payment. You will then gain access to a wide range of pension profiles and competitive funds.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens if I become incapacitated for work?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If your paid-up policy includes disability pension cover, you may be entitled to a payout in the event of disability. Information about supplementary cover can be found in DNB's online bank. You can also report disability here.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Paid-up policies with unit-linked products only provide cover for retirement pension. If your ordinary paid-up policy has supplementary cover when converting to a paid-up policy with unit-linked products, the supplementary cover will remain in the ordinary paid-up policy.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"How is the payout from the paid-up policy taxed?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Until the pension is withdrawn, there is no taxation of the paid-up policy. When the payout begins, it is taxed as pension income.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"How is the payout affected by converting to a paid-up policy with unit-linked products?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The payout date and payout period, as agreed in the ordinary paid-up policy, will continue when converting to a paid-up policy with unit-linked products.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When the payout begins, you will once again be able to choose the investment management during the payout period. You can then choose guaranteed return or unit-linked products.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What does conversion of pension payout mean?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"This means increasing the annual pension payment in exchange for reducing the payment period. The capital is therefore paid out more quickly than originally agreed.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"For paid-up policies with a low annual pension (below 30 per cent of G), the payment will automatically be recalculated to an annual payout of approximately 30 per cent of G and the payment period will be shortened.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In many cases, the payment period can also be shortened further by increasing the payment to 50 or 100 per cent of G. This is called voluntary recalculation. The minimum payment period is twelve months. You must decide whether you wish to have a voluntary recalculation from the time you start drawing your retirement pension. It is not possible to make a new recalculation for paid-up policies that are already in payout.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Please feel free to speak with a pensions adviser about what suits you best.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"When can I receive payout from my paid-up policy?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"For the vast majority of paid-up policies, retirement pension is paid out from age 67. However, you can choose to start the payment from age 62 at the earliest. You can also defer the payment, starting no later than age 75. If you wish to change the payment date, you must notify us.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you start payout of retirement pension earlier than agreed, this will affect how much you receive annually, because the funds will be distributed over more years.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you are partially incapacitated for work, the sum of disability pension paid out and retirement pension can amount to a maximum of one hundred per cent of the retirement pension benefit. Payout of disability pension generally stops when you turn 67.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can draw retirement pension while receiving a salary.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What does the paid-up policy cost?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"What does the paid-up policy cost?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"In a paid-up policy, the main principle is that costs associated with administration and management are covered by the employer through payment of a lump sum.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"This lump sum is used to cover future costs. A fee related to asset management is also charged, which is deducted from the return (external management costs and performance-based fees).\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens if I die?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If your paid-up policy has dependant's pension, such as spouse's/cohabitant's pension or child's pension, these will be paid out upon death. The cover cannot be changed or removed. You will find more information about this in your account statement in the mailbox in DNB's online bank.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Remaining retirement pension will not be paid out to survivors upon death. The capital belonging to the retirement pension will be distributed among other customers with paid-up policies in DNB Livsforsikring. This applies to both ordinary paid-up policies and paid-up policies with unit-linked products.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Can I transfer the paid-up policy to DNB?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A paid-up policy cannot be transferred to or from another pension provider.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you have a paid-up policy with unit-linked products, this can be transferred to us.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Who is a paid-up policy with unit-linked products suitable for?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Who is a paid-up policy with unit-linked products suitable for?\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"A paid-up policy with unit-linked products is best suited for you if you want the opportunity to influence the return, and at the same time have more than ten years left until retirement age. When converting to a paid-up policy with unit-linked products, you waive the guaranteed return. We generally do not recommend converting to a paid-up policy with unit-linked products if your ordinary paid-up policy has a guaranteed return of three per cent or higher.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What determines the size of the payout from the paid-up policy?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Your paid-up policy has a guaranteed annual pension amount. For the payout to be larger than agreed, the ordinary paid-up policy must achieve a higher rate of return than the guaranteed return. Paid-up policies are not adjusted in line with inflation or changes in the National Insurance basic amount.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"How do I plan for retirement?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"We recommend that you plan for your retirement early.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The first step is to gain an overview of how much you can expect to receive in pension.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Furthermore, you should consider the timing of when you wish to start the payout of your pension.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Read more about pension planning and get useful tips here.\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"/content/dnb/open/no/pensjon/planlegg-pensjon\",\"isTranslated\":true,\"openInNewTab\":true,\"href\":\"/pensjon/planlegg-pensjon\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}}],\"_meta\":{\"id\":\"faqs\",\"anchorId\":\"a8ed7af70-ea42-46df-b3a6-7aa1f838ac4e\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tagPath\":\"\",\"articleInput\":\"article\",\"showLargeArticle\":true,\"numberOfArticles\":\"3\",\"categoryPath\":\"\",\"isTranslated\":true,\"articlePathList\":[\"/content/dnbnyheter/no/bors-og-marked/2024/q2/hva-er-egentlig-en-fripolise-og-hvilke-muligheter-har-du\"],\"_meta\":{\"id\":\"dnbNyheterArticles\",\"anchorId\":\"ad7a7c7ba-c82c-4943-a53c-ec11fb231bbf\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"images\":[],\"contentType\":\"priceContent\",\"isTranslated\":true,\"factBoxContent\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"info\",\"title\":\"\",\"isTranslated\":true,\"information\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"factBox\"}}],\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"title\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Pension provider\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The pension agreement is provided by DNB Livsforsikring AS\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"text\",\"anchorId\":\"a885ee6e3-b2bf-4e4a-943c-d5f357358f36\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"fragmentVariationPath\":\"/content/experience-fragments/dnb_open_pages/en/productsListBasic/pm/pensjon/produktliste-pensjon/master\",\"isTranslated\":true,\"_meta\":{\"id\":\"productsListBasic\",\"componentId\":\"productsListBasic\"},\"sectionTitle\":\"Pensions\",\"items\":[{\"description\":\"See how you can save for retirement\",\"newTab\":false,\"title\":\"Saving for a pension\",\"url\":{\"path\":\"/content/dnb/open/en/pension/pension-saving\",\"href\":\"/en/pension/pension-saving\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"See the options and choose the pension profile that suits you\",\"newTab\":false,\"title\":\"Pension profile\",\"url\":{\"path\":\"/content/dnb/open/en/pension/pension-profil\",\"href\":\"/en/pension/pension-profil\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Get a better overview and make good choices for your pension.\",\"newTab\":false,\"title\":\"Move pension to DNB\",\"url\":{\"path\":\"www.dnb.no/pensjon/flytt-pensjon-til-dnb\",\"href\":\"https://www.dnb.no/pensjon/flytt-pensjon-til-dnb\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Everyone who has a defined-contribution pension gets their own pension account\",\"newTab\":false,\"title\":\"Own pension account\",\"url\":{\"path\":\"/content/dnb/open/en/pension/pension-account\",\"href\":\"/en/pension/pension-account\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Self-selected solution for a pension account\",\"newTab\":false,\"title\":\"Self-elected pension account\",\"url\":{\"path\":\"/content/dnb/open/en/pension/self-selected-pension\",\"href\":\"/en/pension/self-selected-pension\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Get an overview of what your pension disbursements will be\",\"newTab\":false,\"title\":\"Pensions calculator\",\"url\":{\"path\":\"/content/dnb/open/en/pension/pension-calculator\",\"href\":\"/en/pension/pension-calculator\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Tied pension savings with deferred taxes\",\"newTab\":false,\"title\":\"Individual pension savings (IPS),\",\"url\":{\"path\":\"/content/dnb/open/en/pension/ips\",\"href\":\"/en/pension/ips\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Gather all your pension capital certificates in one place \",\"newTab\":false,\"title\":\"Pension capital certificate\",\"url\":{\"path\":\"/content/dnb/open/en/pension/capital-certificate\",\"href\":\"/en/pension/capital-certificate\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Read more about accrued pension benefits from former employers\",\"newTab\":false,\"title\":\"paid-up policies\",\"url\":{\"path\":\"/content/dnb/open/en/pension/paid-up-policy\",\"href\":\"/en/pension/paid-up-policy\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Tailor your own pension\",\"newTab\":false,\"title\":\"Garanti Livrente \",\"url\":{\"path\":\"/content/dnb/open/en/pension/garanti-livrente\",\"href\":\"/en/pension/garanti-livrente\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Read more about how you can plan your retirement \",\"newTab\":false,\"title\":\"Plan your pension\",\"url\":{\"path\":\"/content/dnb/open/en/pension/plan-your-pension\",\"href\":\"/en/pension/plan-your-pension\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"Common name for payments made after a person is deceased\",\"newTab\":false,\"title\":\"Survivor’s pension\",\"url\":{\"path\":\"/content/dnb/open/en/pension/dependants-pension\",\"href\":\"/en/pension/dependants-pension\"},\"_meta\":{\"id\":\"productListItem\"}},{\"description\":\"How to influence your pension - see our tips\",\"newTab\":false,\"title\":\"My pension\",\"url\":{\"path\":\"/content/dnb/open/en/pension/my-pension\",\"href\":\"/en/pension/my-pension\"},\"_meta\":{\"id\":\"productListItem\"}}]}]}"}},"homeLinks":{"mainHomepageUrl":{"path":"/content/dnb/open/en","anchorText":null},"corporateHomepageUrl":{"path":"/content/dnb/open/en/business","anchorText":null}},"navMenu":{"menu":{"tabs":[{"url":{"path":"/content/dnb/open/en","anchorText":null},"customerSegment":"private","title":"Personal","links":[{"url":{"path":"/content/dnb/open/en/loans","anchorText":null},"title":"Loans","description":"Are you buying a home, a car or other items? Here you’ll find good advice and solutions when you need a loan."},{"url":{"path":"/content/dnb/open/en/saving","anchorText":null},"title":"Saving","description":"See our great savings products and find out if you want to save on accounts, in mutual funds or buy shares."},{"url":{"path":"/content/dnb/open/en/insurance","anchorText":null},"title":"Insurance","description":"Insure yourself, your family and your values and you’ll have one less worry if anything should happen."},{"url":{"path":"/content/dnb/open/en/pension","anchorText":null},"title":"Pensions","description":"Find out more about pensions and what measures you can take to influence your pension."},{"url":{"path":"/content/dnb/open/en/card","anchorText":null},"title":"Cards","description":"Our cards are adapted to most phases of life. Read more about the different cards, the programmes and the benefits associated with the cards."},{"url":{"path":"/content/dnb/open/en/everyday-banking","anchorText":null},"title":"Everyday banking","description":"We offer a complete range of banking services through mobile banking, online banking and bank branches."},{"url":{"path":"/content/dnb/open/en/real-estate","anchorText":null},"title":"Real estate","description":"Selling a home? DNB Eiendom is Norway’s leading real estate agent."},{"url":{"path":"/content/dnb/open/en/customer-loyalty-programme","anchorText":null},"title":"Customer loyalty programme","description":"Benefits and unique experiences from our partners."}],"label":"To the front page"},{"url":{"path":"/content/dnb/open/en/business","anchorText":null},"customerSegment":"corporate","title":"Business","links":[{"url":{"path":"/content/dnb/open/en/business/become-a-customer","anchorText":null},"title":"Become a corporate customer","description":"Establishment is free of charge."},{"url":{"path":"/content/dnb/open/en/business/daily-banking","anchorText":null},"title":"Everyday banking","description":"Payment, card, account and digital services."},{"url":{"path":"/content/dnb/open/en/business/financing","anchorText":null},"title":"Financing","description":"Financing solutions for all needs."},{"url":{"path":"/content/dnb/open/en/business/pensions","anchorText":null},"title":"Pensions","description":"Meet the statutory requirements and give your employees the best opportunity for a secure future."},{"url":{"path":"/content/dnb/open/en/business/insurance","anchorText":null},"title":"Insurance","description":"Cover the statutory requirements and stay ahead if anything should happen."},{"url":{"path":"/content/dnb/open/en/business/investing","anchorText":null},"title":"Investing","description":"Everything about investments, shares, funds and currencies."},{"url":{"path":"/content/dnb/open/en/business/industry-expertise","anchorText":null},"title":"Industry expertise","description":"Unique insights and experience."},{"url":{"path":"/content/dnb/open/en/business/a-z","anchorText":null},"title":"Business from A to Z","description":"Tips and advice on starting and running a business."}],"label":"To the main page for Business"}],"bottomLinks":[{"url":{"path":"/content/dnb/open/en/customer-loyalty-programme/private-banking","anchorText":null},"corporateUrl":null,"title":"Private Banking"},{"url":{"path":"/content/dnb/open/en/markets","anchorText":null},"corporateUrl":null,"title":"DNB Carnegie"},{"url":{"path":"www.dnb.no/dnbnyheter","anchorText":null},"corporateUrl":null,"title":"DNB Nyheter"},{"url":{"path":"/content/dnb/open/en/help-and-guidance","anchorText":null},"corporateUrl":{"path":"/content/dnb/open/en/business/help-and-guidance","anchorText":null},"title":"Help and guidance"},{"url":{"path":"/content/dnb/open/en/about-us","anchorText":null},"corporateUrl":null,"title":"About us"}]}},"footer":{"websites":{"title":"DNB Websites","links":[{"text":"DNB Eiendom (DNB Real Estate)","url":{"path":"dnbeiendom.no/","anchorText":null},"ariaLabel":"Gå til DNB Eiendom"},{"text":"#girlsinvest","url":{"path":"/content/dnb/open/no/okonomisk-radgiver/huninvesterer","anchorText":null},"ariaLabel":"Go to #Girlsinvest"},{"text":"DNB Tech Blog","url":{"path":"www.dnbtech.no/","anchorText":null},"ariaLabel":"Gå til "}]},"international":{"title":"International","links":[{"text":"DNB Luxembourg","url":{"path":"www.dnb.no/lu/en","anchorText":null},"ariaLabel":"Gå til DNB Luxembourg"},{"text":"DNB Sweden","url":{"path":"www.dnb.se/","anchorText":null},"ariaLabel":"Gå til DNB Sverige"},{"text":"DNB Denmark","url":{"path":"www.dnb.dk/","anchorText":null},"ariaLabel":"Gå til DNB Danmark"}]},"social":{"title":"Social media","links":[{"ariaLabel":"Gå til DNB på Facebook","url":{"path":"www.facebook.com/dnb/","anchorText":null},"icon":"facebook"},{"ariaLabel":"Gå til DNB på Youtube","url":{"path":"www.youtube.com/user/DNB","anchorText":null},"icon":"youtube"}]},"corporateDetails":[{"header":"Head office","text":["Dronning Eufemias gate 30","0191 Oslo, Norway"]},{"header":"Postal address","text":["DNB","PO Box 1600 - Sentrum","0021 Oslo"]},{"header":"Org. no.","text":["DNB Bank ASA","984 851 006"]}],"privacy":[{"text":"Terms of use","url":{"path":"/content/dnb/open/en/about-us/general-terms","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Terms of Use"},{"text":"Data protection","url":{"path":"/content/dnb/open/en/about-us/privacy-policy","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Personal Privacy"},{"text":"Cookies","url":{"path":"www.dnb.no/en/about-us/privacy-policy/cookies","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Cookies"},{"text":"Price list","url":{"path":"/content/dnb/open/en/help-and-guidance/price","anchorText":null},"corporateUrl":{"path":"/content/dnb/open/en/business/prices","anchorText":null},"ariaLabel":"Go to price list"},{"text":"Compare our prices with other companies at Finansportalen.no","url":{"path":"www.finansportalen.no","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Finansportalen"},{"text":"Work for us","url":{"path":"/content/dnb/open/en/about-us/careers","anchorText":null},"corporateUrl":null,"ariaLabel":"Go to Work for us"}],"changeLanguage":{"text":"Norsk","url":{"path":"/content/dnb/open/no","anchorText":null},"ariaLabel":"Go to DNB Norwegian pages"},"copyright":"DNB","toTopLabel":"To the top","homeLinkAriaLabel":"Go to DNB homepage"},"login":{"title":"Log in to online bank","intro":"Type your Norwegian national identity number (11 digits).\n\nCorporate customers can log in using their user ID, or with Norwegian national identity number (11 digits) and then change view from personal banking to corporate once logged in.","uidPlaceholder":"Type your user ID","invalidUidError":"Unknown or invalid user ID","invalidUidSsnOnlyError":"Invalid user ID. Use national identity number","invalidUidCorpOnlyError":null,"loginButtonLabel":"Log in","helpButtonAriaLabel":"Help text","closeButtonLabel":"Close","helpTitle":"Help for logging in","helpContent":"[{\"type\":\"paragraph\",\"children\":[{\"text\":\"You can log in using your Norwegian national identity number (11 digits) or another user ID issued by the bank.\"}]},{\"type\":\"paragraph\",\"children\":[{\"type\":\"link\",\"link\":{\"url\":\"/content/dnb/open/en/help-and-guidance/log-in\",\"openInNewTab\":false},\"children\":[{\"text\":\"See different methods for logging in and explanation of error messages\"}]}]}]","loginMenuButtonLabel":"Log in","loggedInLoginMenuButtonLabel":"To online bank"},"search":{"searchMenuButtonLabel":"Search","searchEnabled":true,"searchPageUrl":{"path":"/content/dnb/open/en/search","anchorText":null},"corporateSearchPageUrl":{"path":"/content/dnb/open/en/business/search","anchorText":null}}},"pageContext":{"language":"en"}},"staticQueryHashes":["2967044098"]}