Pension insurance in Germany
All you need to know.
The 3 pillars of your retirement
Germany’s retirement system is built on three pillars. While the statutory pension is the foundation, it often isn’t enough.
Private pension
Extra savings for more flexibility.
Company pension (bAV)
Smart, subsidized savings with employer support.
Basis-Pension
Get up to 40% of your contributions back through tax savings
Why should I save for retirement?
The reality: The statutory pension alone won’t be enough to maintain your current standard of living in retirement. To avoid financial shortfalls later, it’s essential to take action now and close the pension gap—otherwise, retirement could mean scaling back your lifestyle.
Company Pension
Double your retirement savings with tax-free contributions and at least 15% extra from your employer. No upfront fees — every euro goes straight into your pension, not into commissions.
Flexible Pension
Save on your own terms with low-cost ETF investments and no upfront fees. Choose between monthly payouts or a lump sum — and take your pension with you if you leave Germany. 100% of your contribution is invested for long-term growth.
Basis-Pension (RüRup)
Ideal for self-employed professionals: get lifelong income in retirement and up to 40% cashback through tax savings. Your full contribution is invested — no upfront fees or hidden commissions.
Don't take our word for it
Extremely friendly, personal, and helpful
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Hassle-free insurance
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Kind, prompt, and efficient
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