YOUR SOLUTIONFINANCIALLY INDEPENDENT
IN THE FUTURE
Private pension insurance is a safe and lucrative investment with substantial profit participation. Close the pension gap in the statutory pension insurance with the Insurance Broker CLASSIC plus PENSION. In this way, you can ensure a lifelong income and risk-free retirement provision for your retirement.
The private pension plan can be optimally adapted to your personal needs: You can choose the term of the policy yourself, choose between a monthly pension or a lump-sum payment, and, if necessary, suspend the payment of contributions. With a flexible dynamisation of gifts, you exclude the loss due to annual inflation.
If the pension payment starts after your 65th birthday, shoot tax benefits: Then only 18% of the income will have to be taxed. Take advantage of our free expert advice and request a tailor-made offer.
Insurance Broker CLASSIC plus PENSION: We ensure you the full range for a soft landing!
YOUR PENSIONS
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WHY DO I NEED PRIVATE PENSION INSURANCE?
Our life expectancy has been rising for years: we are getting older and older, and the number of older people in the country is increasing, so that the statutory pension insurance is only sufficient as a necessary provision at most. Everyone should, therefore, provide for their private old-age provision. Private pension insurance closes your pension gap in old age, as it ensures you the standard of living you are accustomed to through a lifelong pension. In contrast to other old-age provision products, the private annuity is only taxed on the share of earnings when it is paid out, which is currently only 18%.
WHO SHOULD TAKE OUT PRIVATE PENSION INSURANCE?
The private pension is particularly interesting for people who, for health reasons, cannot take advantage of any other pension products, as there is no health check here. Older people who are about to retire can also secure a guaranteed pension through a one-off payment, and thus receive a lucrative product. Most self-employed and freelancers in Germany are not compulsorily insured in the statutory pension scheme, do not pay contributions and therefore have to make their financial provision for the future. The same applies to the group of civil servants, artists and craftsmen, who should consider taking out private pension insurance to build up their old-age provision.
WHAT SHOULD YOU CONSIDER WHEN TAKING OUT A PRIVATE PENSION INSURANCE?
You can arrange your private pension insurance flexibly. Therefore, you should check exactly how much you want to pay in contributions because the contract period until retirement is many years, and you should not overextend yourself financially. It is also possible to make one-off payments.
The insurances allow for a call or postponement option: The start of the pension can be moved forward or even postponed and thus adapts to your life planning. In the event of premature death, you should specify a beneficiary who will then receive the lump sum or pension. Otherwise, the benefits will lapse!
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