Pension Insurance
Supplement your state pension with security and tax advantages
Our private pension products are designed to supplement state retirement, offering security, flexibility, and in some cases significant tax advantages. From the GarantieRente Invest, which combines guarantee and return potential, to the Rürup pension, designed especially for the self-employed and independent professionals.
Benefits of this insurance
With GarantieRente Invest, you choose the guarantee level for your contributions, up to 90%.
You have the security of a guaranteed minimum lifelong pension, regardless of market performance.
A portion of the gains earned is automatically locked in each year, protecting what has already been achieved.
Contributions to the Rürup pension can be deducted as special expenses up to the legal maximum, reducing your taxable income.
What is covered
Lifelong annuity or lump sum
Upon reaching retirement, you can choose between a monthly lifelong annuity, a one-time lump sum payment, or a combination of both.
Contribution flexibility
You can reduce, suspend, or increase your contributions according to your economic situation at any time.
Asset protection (Rürup)
Capital accumulated in the Rürup pension is protected against seizure and insolvency during the savings phase.
Four investment options
GarantieRente Invest offers four investment options to take advantage of capital market opportunities.
What is not covered
Early lump-sum withdrawal (Rürup)
The Rürup pension does not allow a lump-sum payment; it is always paid as a lifelong monthly annuity.
100% guaranteed return on all options
The guarantee level depends on the option chosen; a higher guarantee means lower return potential.
Real claim examples
Supplementary income in retirement
A client who took out their plan at age 35 receives a monthly supplementary income that allows them to maintain their standard of living after retirement.
Annual tax deduction (Rürup)
A self-employed professional deducts their annual Rürup pension contributions as special expenses, significantly reducing their tax burden.
Frequently asked questions
What is the difference between GarantieRente Invest and the Rürup pension?
GarantieRente Invest is flexible and allows a lump sum or annuity; the Rürup pension offers greater tax advantages but is only paid as a lifelong annuity, with no lump sum option.
Who is the Rürup pension aimed at?
Mainly at self-employed people, independent professionals, and business owners without access to the statutory pension, but also at employees with high incomes.
Can I change my contributions over time?
Yes, both products allow you to adjust, suspend, or increase contributions according to your situation.
What happens if I die before retirement?
Depending on the product and options selected, your beneficiaries may receive the accumulated capital or an annuity.
Want to start supplementing your pension today?
Tell us about your employment situation and goals, and we will recommend the most suitable pension product.
Request free advice