Provision and investment

Our aim is to work with you and your family in a personal conversation to develop the best possible provision and protection for you. Enclosed you will find descriptions of some insurance products that can be part of your personal pension.

What seems particularly important to us: For provision and investment, we consider your personal data to be particularly worthy of protection and, in your interest, we do not use electronic questionnaires. If you are interested in an offer, we look forward to hearing from you and are available for a non-binding, personal conversation at any time.

The best capital that we can give our children is a qualified education.

Therefore, it is important to think about tomorrow in order to be able to give your kids the chance of professional realization. Alternatively, seed capital is needed for the first flat, the first car, where the security standards should also be right. The wedding will also take place at some point and should ultimately become a celebration… We have the solution to make it easier for your children.

Traditional educational endowment insurance: A combination of a term life insurance and pension insurance, that – value secured – guarantees that appropriate capital is available for your child or children at the right time. Should you not be able to experience this point in time, the agreed capital – without any further bonus payments – including profit sharing, is still available to your child.

Unit-linked life insurance: The combination of a unit-linked life insurance and a term life insurance for the same purpose. An alternative solution concept with opportunities, but not without risk.

Traditional provision: with immediate protection in the amount of the agreed sum insured. In the event of the premature death of the policyholder. The insurance accepts the premiums and the agreed amount is paid on the agreed date.

There are multiple options for wealth accumulation with insurance.

Together with you, we will find the product that meets your needs.

Classic life insurance: A combination of a term life insurance and pension insurance, that – value secured – guarantees that appropriate capital is available at the right time.

Unit-linked life insurance: The combination of a unit-linked life insurance and a term life insurance for the same purpose. An alternative solution concept with opportunities, but not without risk.

Traditional provision: with immediate protection in the amount of the agreed sum insured. In the event of the premature death of the policyholder. The insurance accepts the premiums and the agreed amount is paid on the agreed date.

Retire well cared

is quite possible if you do not leave the accumulation of your wealth to chance, but rather plan strategically.

The younger you start planning your retirement, the more affordable the premiums are, which are necessary for your goal as a savings rate.

Term life Insurance: protects your family / you’re surviving dependents with high payments, for example against financial bottlenecks after a death, and can be obtained with minimal premium expenditure.

Term life insurance and pension insurance:

Term life insurance: a pure savings contract with a capital-building character. The sum insured is due for payment after the agreed contract period, increased by the profit sharing. In the event of death, the premium paid and accrued profit shares is usually paid out.

Especially in the case of permanent disability, the republic leaves us largely alone with our needs. You will only receive benefits from the statutory accident insurance if you suffer an accident with permanent disability while working. However, this can only be viewed as a basic supply. The opportunity of continuing to lead a life worth living is usually only possible with the help of private accident insurance. Aside from that, the prerequisite for a benefit from the statutory accident insurance is at least 20% incapacity for work.

The private accident insurance pays compensation from 1% disability. The calculation basis for this is a fixed, agreed dismemberment schedule and does not depend on whether you are employable or able to work. In order to cover the possibly very high financial burdens of rescue helicopters and other accident-related additional costs, the private accident insurance offers numerous of additional services.

Almost all of us have to go to hospital in the course of our lives. In order to be able to choose a hospital and doctor and to avoid long waiting times, a private health insurance is the perfect solution. You can choose between single or double rooms and will be well looked after. For beginners there is the possibility of an option insurance, for which you now pay a small premium and, if you wish, enjoy full protection without a health check.

Full ordinations and long waiting times for examinations are often foreign words for patients of private doctors. A private insurance not only pays the doctor’s fee but also covers the costs of visual aids, imaging examinations (MRI, CT, etc.) and, if requested, the costs of dentists and dentures.