{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Info en versiebeheer","Invoer en Uitvoer","Berekening","ITPP68","Variabelen","Legaliteit"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":10,"comments":1,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Info en versiebeheer","index":0,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"Invoer en Uitvoer","index":1,"n_rows":19,"n_cols":6,"rows_kept":19,"cut":false,"hidden":false,"merged":[]}
[]
["Invoer:","Naam Werkgever:","Test"]
[null,"Werkgeversnummer:",12345]
[null,"Ingangsdatum ANW:","2025-05-01",null,"ANW Premie berekening",2025]
[null,"Naam deelnemer:","Test"]
[null,"Pensioennr deelnemer:",23432]
[null,"Geboortedatum deelnemer:","1967-04-04"]
[null,"Geboortedatum partner:","1970-05-05"]
[null,"Geslacht partner:","M"]
[null,"Verzekerd bedrag:",17800,{"$f":"\"Minimaal \"& TEXT(Variabelen!F18,\"€ #,##0.00\")& \" en Maximaal \" &TEXT(Variabelen!F17,\"€ #,##0.00\")","v":"Minimaal € 10,200.00 en Maximaal € 20,400.00"}]
[]
[]
[]
[]
[]
[]
["Uitvoer:","Brutopremie per jaar:",{"$f":"Berekening!B25*Legaliteit","v":906.48}]
[null,"Brutopremie per maand:",{"$f":"Berekening!B26*Legaliteit","v":75.540000000000006}]
[null,"Brutopremie per 4wk:",{"$f":"Berekening!B27*Legaliteit","v":69.73}]

{"sheet":"Berekening","index":2,"n_rows":27,"n_cols":6,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
["Rekendatum:",{"$f":"rekdat","v":"2025-05-01"}]
[]
[]
[{"$f":"'Invoer en Uitvoer'!B5","v":"Naam deelnemer:"},{"$f":"'Invoer en Uitvoer'!C5","v":"Test"}]
[{"$f":"'Invoer en Uitvoer'!B6","v":"Pensioennr deelnemer:"},{"$f":"'Invoer en Uitvoer'!C6","v":23432}]
[{"$f":"'Invoer en Uitvoer'!B7","v":"Geboortedatum deelnemer:"},{"$f":"'Invoer en Uitvoer'!C7","v":"1967-04-04"}]
[{"$f":"'Invoer en Uitvoer'!B8","v":"Geboortedatum partner:"},{"$f":"'Invoer en Uitvoer'!C8","v":"1970-05-05"}]
[{"$f":"'Invoer en Uitvoer'!B9","v":"Geslacht partner:"},{"$f":"'Invoer en Uitvoer'!C9","v":"M"}]
[{"$f":"'Invoer en Uitvoer'!B10","v":"Verzekerd bedrag:"},{"$f":"'Invoer en Uitvoer'!C10","v":17800}]
[]
[]
[]
["Burgerlijke leeftijd deelnemer:",{"$f":"FLOOR(YEARFRAC(B6,B1)*1,1)","v":58},null,"Kleiner dan 66?",{"$f":"IF(B13<66,1,0)","v":1},"Als 1 dan PVI opslag, anders 0)"]
[]
["Burgerlijke leeftijd partner:",{"$f":"FLOOR(YEARFRAC(B7,B1)*1,1)","v":54}]
[]
["Eénjarige risicopremies per €1.000 (netto)",{"$f":"VLOOKUP(B13,risicopremies,2,FALSE)","v":3.45}]
["Eénjarige risicopremies per €1.000 (bruto)",{"$f":"B17*(1+excasso_opslag)*(1+solvabiliteit_opslag)*(1+pvi_indicator*pvi_opslag)","v":4.3442166158999997},"incl excasso / solvabiliteit / PVI (als burgelijke leeftijd <66)"]
[]
["OVL risicokapitaal:",{"$f":"B9*B18","v":77327.055763019991}]
["OVL risicokapitaal / 1000:",{"$f":"B20/1000","v":77.327055763019985}]
[]
["CW factor",{"$f":"VLOOKUP(B15,ITPP68,2+IF(B8=\"M\",0,1),FALSE)","v":11.7227}]
[]
["Premie per jaar",{"$f":"ROUND(B23*B21,2)*Legaliteit","v":906.48}]
["Premie per maand",{"$f":"ROUND(B25/12,2)*Legaliteit","v":75.540000000000006}]
["Premie per 4wk",{"$f":"ROUND(B25/13,2)*Legaliteit","v":69.73}]

{"sheet":"ITPP68","index":3,"n_rows":59,"n_cols":3,"rows_kept":59,"cut":false,"hidden":true,"merged":[]}
["Meubel"]
[]
[null,"ITPP CW factoren van 1-1-2025 tot 31-12-2025"]
[]
["leeftijd","M","V"]
[15,31.558789999999998,31.60426]
[16,31.170069999999999,31.216640000000002]
[17,30.777200000000001,30.824090000000002]
[18,30.379370000000002,30.42661]
[19,29.977599999999999,30.024090000000001]
[20,29.572220000000002,29.617190000000001]
[21,29.16264,29.20542]
[22,28.748609999999999,28.788930000000001]
[23,28.329830000000001,28.367760000000001]
[24,27.907,27.941700000000001]
[25,27.47954,27.51052]
[26,27.047170000000001,27.074580000000001]
[27,26.60943,26.63354]
[28,26.165690000000001,26.1876]
[29,25.715859999999999,25.73584]
[30,25.258520000000001,25.277100000000001]
[31,24.793289999999999,24.811109999999999]
[32,24.320779999999999,24.337710000000001]
[33,23.840859999999999,23.856839999999998]
[34,23.353110000000001,23.368770000000001]
[35,22.85783,22.87349]
[36,22.354980000000001,22.370539999999998]
[37,21.844259999999998,21.859950000000001]
[38,21.32572,21.341719999999999]
[39,20.799119999999998,20.81549]
[40,20.26455,20.28126]
[41,19.721810000000001,19.73903]
[42,19.170750000000002,19.188929999999999]
[43,18.611350000000002,18.630600000000001]
[44,18.042739999999998,18.062760000000001]
[45,17.463979999999999,17.48526]
[46,16.874469999999999,16.89706]
[47,16.2745,16.299240000000001]
[48,15.664110000000001,15.690720000000001]
[49,15.04181,15.07001]
[50,14.40593,14.43577]
[51,13.75629,13.78769]
[52,13.092930000000001,13.126060000000001]
[53,12.41553,12.450060000000001]
[54,11.7227,11.757630000000001]
[55,11.01224,11.04721]
[56,10.28482,10.317830000000001]
[57,9.5386500000000005,9.5698500000000006]
[58,8.7740600000000004,8.8022200000000002]
[59,7.9905999999999997,8.0152099999999997]
[60,7.1865600000000001,7.20817]
[61,6.3635799999999998,6.3812600000000002]
[62,5.5192899999999998,5.5338200000000004]
[63,4.6550099999999999,4.6662499999999998]
[64,3.77006,3.7784599999999999]
[65,2.8637100000000002,2.8688099999999999]
[66,1.9348700000000001,1.93737]
[67,0.98219000000000001,0.98290999999999995]
[68,0,0]

{"sheet":"Variabelen","index":4,"n_rows":79,"n_cols":6,"rows_kept":79,"cut":false,"hidden":true,"merged":[]}
["MBL"]
["Bron: ","Rekenwaarden 2024-3 BPF_Meubel "]
[]
[]
[]
[]
[]
[]
["Opslagen","excasso","solvabiliteit","pvi"]
["2021-01-01",0.03,0.17499999999999999,3.44E-2]
["2022-01-01",0.03,0.17799999999999999,3.44E-2]
["2023-01-01",0.03,0.184,3.44E-2]
["2024-01-01",0.03,0.217,3.44E-2]
["2025-01-01",3.2500000000000001E-2,0.17899999999999999,3.44E-2]
[]
[null,2021,2022,2023,2024,2025]
["Maximale hoogte ANW ",16000,16200,17900,19100,20400]
["Minimale hoogte ANW",8000,8100,{"$f":"ROUND(D17*50%,-2)","v":9000},{"$f":"ROUND(E17*50%,-2)","v":9600},10200]
[]
["X:\\Finance\\Actuariaat\\Fondsen\\BPF Meubel\\Herverzekering\\Ellips herverzekering Meubel.xlsx"]
["premie"]
["Begin","Eind"]
["2020-01-01","2024-12-31"]
["ADDENDUM NO. 1  herverzekering van overlijdensrisicokapitalen"]
["M/V","Eénjarige risicopremies per €1.000,= overlijdensrisicokapitaal"]
["leeftijd","0/00"]
[17,0.23]
[18,0.23]
[19,0.23]
[20,0.24]
[21,0.24]
[22,0.24]
[23,0.24]
[24,0.25]
[25,0.25]
[26,0.25]
[27,0.25]
[28,0.26]
[29,0.26]
[30,0.28999999999999998]
[31,0.33]
[32,0.38]
[33,0.41]
[34,0.45]
[35,0.47]
[36,0.48]
[37,0.49]
[38,0.5]
[39,0.56999999999999995]
[40,0.64]
[41,0.71]
[42,0.83]
[43,0.98]
[44,1.1100000000000001]
[45,1.26]
[46,1.34]
[47,1.5]
[48,1.63]
[49,1.72]
[50,1.81]
[51,2.02]
[52,2.2400000000000002]
[53,2.56]
[54,2.71]
[55,2.87]
[56,3.18]
[57,3.32]
[58,3.45]
[59,3.53]
[60,3.68]
[61,4]
[62,4.51]
[63,4.88]
[64,5.42]
[65,6.31]
[66,6.89]
[67,7.66]
[68,8.51]
[69,9.43]

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