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Every German policy wording: Basic pension (Ruerup)

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Key points side by side

Open a tariff for all 69 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Pension factor Factor reducible Premium guarantee Top up Surrender charge Death benefit
Allianz SofortRente Rürup basic pensionTake out Allianz SofortRente Rürup basic pension yes not addressed not addressed not addressed not addressed yes
Allianz Zukunftsrente IndexSelect Rürup basic pensionTake out Allianz Zukunftsrente IndexSelect Rürup basic pension no not addressed yes yes, up to EUR 500 not addressed yes
Allianz Zukunftsrente Perspektive Rürup basic pensionTake out Allianz Zukunftsrente Perspektive Rürup basic pension no not addressed yes yes, up to EUR 500 not addressed yes
ALTE LEIPZIGER Fondsgebundene Rürup basic pensionTake out ALTE LEIPZIGER Fondsgebundene Rürup basic pension yes not addressed no yes none yes
ALTE LEIPZIGER Fondsgebundene mit flexiblen Garantien Rürup basic pensionTake out ALTE LEIPZIGER Fondsgebundene mit flexiblen Garantien Rürup basic pension yes not addressed yes yes none yes
ALTE LEIPZIGER Moderne flexible Rürup basic pensionTake out ALTE LEIPZIGER Moderne flexible Rürup basic pension yes not addressed yes yes none yes
Continentale Classic Pro Rürup basic pensionTake out Continentale Classic Pro Rürup basic pension yes not addressed yes yes, up to EUR 500 none yes
Continentale Invest Rürup basic pensionTake out Continentale Invest Rürup basic pension yes not addressed no yes, up to EUR 250 none yes
Continentale Invest Garant Rürup basic pensionTake out Continentale Invest Garant Rürup basic pension yes not addressed yes yes, up to EUR 250 none yes
CosmosDirekt Basisrente (LA 1079 A) Rürup basic pensionTake out CosmosDirekt Basisrente (LA 1079 A) Rürup basic pension yes none not addressed yes none yes
CosmosDirekt fondsgebundene Rürup basic pensionTake out CosmosDirekt fondsgebundene Rürup basic pension yes yes no yes none yes
die Bayerische Blue Invest Rürup basic pensionTake out die Bayerische Blue Invest Rürup basic pension yes not addressed no yes, up to EUR 500 none yes
Gothaer BasisVorsorge-Fonds Rürup basic pensionTake out Gothaer BasisVorsorge-Fonds Rürup basic pension yes not addressed not addressed yes, up to EUR 500 not addressed yes
Hannoversche Basisrente Rürup basic pensionTake out Hannoversche Basisrente Rürup basic pension not addressed not addressed not addressed yes, up to EUR 200 not addressed not addressed
HanseMerkur Basis Care Rürup basic pensionTake out HanseMerkur Basis Care Rürup basic pension yes not addressed yes yes, up to EUR 250 none yes
HUK-COBURG Rürup-Rente Rürup basic pensionTake out HUK-COBURG Rürup-Rente Rürup basic pension yes not addressed yes yes, up to EUR 500 not addressed yes
LVM Basis-Rente Rürup basic pensionTake out LVM Basis-Rente Rürup basic pension not addressed not addressed not addressed yes, up to EUR 1,000 not addressed yes
LVM fondsgebundene Basis-Rente Rürup basic pensionTake out LVM fondsgebundene Basis-Rente Rürup basic pension yes none not addressed yes, up to EUR 500 none yes
NÜRNBERGER Fondsgebundene Rürup basic pensionTake out NÜRNBERGER Fondsgebundene Rürup basic pension yes none yes yes, up to EUR 250 not addressed yes
Stuttgarter performance+ Rürup basic pensionTake out Stuttgarter performance+ Rürup basic pension yes not addressed yes yes, up to EUR 250 not addressed not addressed
Swiss Life Maximo Rürup basic pensionTake out Swiss Life Maximo Rürup basic pension yes none yes yes, up to EUR 200 not addressed yes
uniVersa AufbauRENTEtopinvest Rürup basic pensionTake out uniVersa AufbauRENTEtopinvest Rürup basic pension yes not addressed no yes, up to EUR 500 not addressed yes
VOLKSWOHL BUND Basis-Rente Rürup basic pensionTake out VOLKSWOHL BUND Basis-Rente Rürup basic pension yes not addressed not addressed yes, up to EUR 300 none yes
VOLKSWOHL BUND Fondsgebundene Basis-Rente Rürup basic pensionTake out VOLKSWOHL BUND Fondsgebundene Basis-Rente Rürup basic pension yes not addressed yes yes, up to EUR 300 none yes
Zurich fondsgebundene Rürup basic pensionTake out Zurich fondsgebundene Rürup basic pension yes not addressed yes yes, up to EUR 200 none yes

Evaluated by NAMMERT from published policy wordings.

Despite care, a value may be misread;

legally only the wording of your own contract in the edition stated there applies.

Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 69 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • Canada Life
  • Condor
  • ERGO
  • HDI
  • LV 1871
  • myLife
  • R+V
  • SIGNAL IDUNA
  • Württembergische
  • WWK

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

JSON CSV (Excel)

Updated