Work & Retirement
Our professional lives are more dynamic and variable today than ever – your insurances should too.
There are two main questions to answer:
How can I support my family and myself should I not be able to work anymore?
How can I make sure that I achieve the level of financial stability I need for my retirement?
There are many possibilities to answer these questions and not all are suitable for everyone and every life situation.
The most important aspect is to have a holistic view, keeping in mind financial security for you and your family throughout the next years.
We can help you find the best solution that fits your needs.
Whatever insurance you need — we will find the best solution for you
Occupational disability insurance (“Berufsunfähigkeitsversicherung”)
The occupational disability insurance is highly recommended by NGOs, governments and consumer advocacy groups alike. It protects you against the loss of income should you no longer be able to work and is therefore a crucial tool to secure your financial livelihood. More
Work incapacity insurance (“Erwerbsunfähigkeitsversicherung”)
The work incapacity insurance can be seen as a smaller version of the occupational disability insurance. It’s benefits are not as far-reaching but it also costs less and it easier to get into. It is especially attractive for freelancers since they are not covered by the public work incapacity insurance. More
Employment-based retirement plans (“Betriebliche Altersvorsorge”)
Employment-based retirement plans are the collective name for financial benefits that can be provided by any employer to its employees. As a matter of fact, every employee in Germany has the legal right to engage in employment-based retirement plans to increase his or her pension. More
Life insurance are still Germany’s top insurance products and that will most likely stay so for the next years. They represent a two-way safety net: money for your family in the case of your death and money for you when you retire. However, in the age of low interest rates, many products are questionable at best and a decision should be well thought through. More
Government subsidised pension schemes (“Riesterrente”)
Government subsidised pension schemes are still one of the main pillars of retirement plans in Germany. Because of the subsidies, these schemes are worthwhile for a wide range of people. Especially if your income is not very high. More
Government subsidised pension schemes for freelancers (“Basisrente/Rüruprente”)
These pension schemes are similar to the Riesterrente but focus on freelancers and self-employed people. That is because they are not eligible for Riesterrente but of course should be able to save more money for their retirement. More