Why life insurance and pensions matter
Life insurance eases the financial burden on your family in the event of death or accident. Private pension schemes allow you to grow your savings with state support and prepare for retirement.
- Voluntary BES: Long-term savings and retirement planning.
- OKS: Employer-enrolled auto-enrolment system — passive retirement saving with a 20% government contribution.
- Term life: High cover at low premium; protection for loan obligations or family income.
2026 Government Contribution: From 1 January 2026, a government contribution of 20% applies to eligible participant-paid contributions under both the voluntary Private Pension System (BES) and the Automatic Enrolment System (OKS). Under OKS, an additional one-time government contribution of TRY 500 is calculated as a commitment for employees who remain enrolled at the end of the two-month initial period. Vesting of government contributions is subject to the applicable regulations. Official source: egm.org.tr
All life and pension products
Voluntary BES
Long-term savings and retirement planning options under the voluntary Private Pension System (BES).
OKS — Auto-Enrolment
Employer-enrolled retirement scheme with 20% government contribution and opt-out right.
Learn more →Term Life
High cover at low premium for family or loan protection in the event of death or disability.
Learn more →Savings Life
Protection and savings combined: accumulated savings returned at maturity.
Learn more →Mortgage Life
Mandatory or optional life insurance linked to home loan agreements.
Critical Illness
Lump-sum payment on diagnosis of cancer, heart attack, stroke and other critical conditions.
Learn more →Income Protection
Monthly income replacement in the event of inability to work due to accident or illness.
Learn more →