Survivors' pension via Anw insurance

The General Survivors Act (Anw) provides survivors' pension upon death, comparable to the AOW voluntary insurance. For partners and children, you supplement missing years to qualify for Anw benefit (max. 70% of AOW). Relevant for stay-at-home parents, expats, and self-employed without accrual. Premium: €20 per month plus variable part, total approx. €250/year. Application via SVB up to 15 years before AOW age. Legal basis: Anw article 12 and Anw Decree. Benefit: partner receives 70% AOW if 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. Example: supplementing 10 years costs €2,500, yields €10,000+ upon death. Combine with partner pension in disability insurance. Check via SVB personal budget. This way you financially protect survivors. (201 words)