I’ve been able to find out how much I’ll need and how much I have to save, and I’ve decided to retire a year later so that my pension will be higher.” Insurance Times – Legal & General Netherlands (LGN) – The Consumer Credit Counselling Service Nationaal Instituut voor Budgetvoorlichting, (NIBUD) and LGN jointly published the Verzekeringskrant (Insurance Times), which targets young people from 18 years of age.