WITH THE RIGHT PRECAUTIONS YOU CAN:
about provision – life insurance
✅ Protect your family
✅ Prepare for retirement
✅ Save on taxes
✅ Secure your income in case of incapacity to work
Ensure the ideal complement to your existing pension plan. Unlike the first and second pillars, building pension assets within the third pillar is voluntary.
The third pillar savings primarily help close potential pension gaps, while also offering attractive interest rates and tax benefits. We are experts in this complex field and can guide you every step of the
FINANCIAL INDEPENDENCE
Financial independence after retirement means a high quality of life in old age.
Let us show you the options for building and securing a cushion for your retirement.
ake care of yourself and your loved ones now
✅ Plan for your children’s future (Für Kinder vorsorgen)
✅ Protection in case of accidents (Geschützt bei Unfällen)
✅ Your priorities (Ihre Prioritäten)
✅ My extras (Meine Extras)
My provision
Protect your income
Protect your survivors
Carefree retirement
Premium exemption
Frequently Asked Questions (FAQ)
With a 3a life insurance policy, the capital paid in can be deducted from taxable income, whereas with a 3b life insurance policy (especially savings activities such as bank balances, home ownership, and investments), this option is not available. However, with a 3b life insurance policy, the term and availability can be freely chosen, unlike with a 3a life insurance policy.
With pure risk insurance, a premium is paid over a certain period of time (e.g., 20 years) for an agreed sum insured, which is only paid out in the event of death or incapacity to work. If these events do not occur during this period, the sum insured is not paid out.
With a mixed life insurance policy, a certain savings portion and a certain risk portion are specified. If death or incapacity occurs during the agreed term, the risk amount is paid out. If these events do not occur during the term, the policyholder receives the savings portion at the end of the contract period. For this reason, endowment life insurance is very popular as a way to supplement pension savings and maintain one’s accustomed standard of living even in retirement.
With unit-linked life insurance, capital can be paid into a fund. Unlike with term or mixed life insurance, the insured can influence the investment strategy. However, this type of life insurance carries a certain risk, as the exact amount of the payout cannot be predicted.