Pension & Retirement

Unit-Linked Pension Insurance

Flexible wealth building for your retirement

Find out about flexible insurance solutions that help you build wealth and create a solid financial basis for your retirement.

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Flexible wealth building for your retirement: a secure financial future

Flexible wealth building for your retirement gives you the opportunity to build up your assets in a targeted way and provide for your retirement. A private pension insurance policy or an endowment life insurance policy (Kapitallebensversicherung) offers you flexible ways to save up assets while also benefiting from insurance cover. You can adjust the premiums and term individually to your needs and have the flexibility to receive lump sums or a lifelong pension. Flexible wealth building gives you the freedom to actively shape your retirement and achieve financial independence in old age.

Frequently asked questions: Unit-Linked Pension Insurance

What is unit-linked pension insurance?

Unit-linked pension insurance is a pension insurance policy in which the premiums are invested in investment funds. The accumulated capital is used in retirement to pay out a lifelong pension.

What are the advantages of unit-linked pension insurance?

Unit-linked pension insurance offers the chance of higher returns compared with traditional pension insurance, as the capital is invested in investment funds. There is also often the option to choose between different funds and investment strategies.

What are the risks of unit-linked pension insurance?

Unit-linked pension insurance involves investment risks, as the value of the investments can fluctuate. If the funds perform poorly, this can lead to a lower payout. In addition, there may be costs for administration, taking out the policy and risk cover.

Is unit-linked pension insurance suitable for everyone?

Unit-linked pension insurance is particularly suitable for people who are willing to take risks when investing and are looking for the chance of higher returns. It's important to consider your own investment goals, risk appetite and investment knowledge before deciding on unit-linked pension insurance.