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Private pension insurance in Germany in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 70 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Guaranteed annuity factor Lump sum option Death before start Premium holiday Surrender charge Flexible start
AllianzSofortRenteTake out yes not addressed not addressed not addressed not addressed not addressed
AllianzZukunftsrente InvestFlex mit GarantieTake out yes yes yes yes yes yes
AllianzZukunftsrente KomfortDynamikTake out yes yes yes yes yes yes
AllianzZukunftsrente PerspektiveTake out yes yes yes yes yes yes
ALTE LEIPZIGERFlexible FondsrenteTake out yes yes yes yes none yes
ALTE LEIPZIGERFondsgebundeneTake out yes no yes yes none yes
ALTE LEIPZIGERFondsgebundene mit flexiblen GarantienTake out yes no yes yes none yes
ALTE LEIPZIGERFondsgebundene als AltersvorsorgevertragTake out yes yes yes yes none yes
Canada LifeGENERATION private plusTake out yes yes yes yes none yes
Canada LifeSofortrente GARANTIE INVESTMENT RENTE privateTake out yes not addressed yes not addressed none no
ContinentaleRenteInvestTake out yes yes yes yes yes yes
CosmosDirektfondsgebundeneTake out yes yes yes yes none yes
DEVKRente ZukunftPlusTake out yes yes yes yes yes yes
die BayerischeRentenversicherungTake out yes yes yes yes yes yes
ERGORente ChanceTake out yes yes yes yes yes yes
HUK-COBURGPremium-RenteTake out yes yes yes yes yes, up to EUR 150 yes
HUK-COBURGRiester-RenteTake out yes yes yes yes yes yes
HUK-COBURGRürup-RenteTake out yes no yes yes not addressed yes
HUK-COBURGSofortrenteTake out yes not addressed not addressed not addressed not addressed not addressed
InterRiskklassischeTake out yes yes yes yes yes yes
LV 1871MeinPlan, die fondsgebundene Rente der LV 1871 Meinplan Mit GarantieTake out yes yes yes yes yes yes
LV 1871MeinPlan, die fondsgebundene Rente der LV 1871 Meinplan Ohne GarantieTake out yes yes yes yes yes, up to EUR 50 yes
LVMBasis-RenteTake out yes no yes yes not addressed yes
LVMfondsgebundene Basis-RenteTake out yes no yes not addressed none yes
myLifeFonds-RenteTake out yes yes yes yes none yes
myLifeInvest RenteTake out yes yes yes yes none yes
myLifeNetto-Vermögens-Fonds-Rente mit GarantieTake out yes yes yes yes not addressed yes
NÜRNBERGERFondsgebundeneTake out yes no yes yes not addressed yes
NÜRNBERGERFondsgebundene mit GarantiefondsTake out not addressed not addressed not addressed yes none not addressed
NÜRNBERGERFondsgebundene mit Pflege-OptionTake out yes yes yes yes none yes
NÜRNBERGERFondsgebundene mit RentengarantiezeitTake out yes yes yes yes none yes
Stuttgarterperformance+ Performance PlusTake out yes no yes yes none yes
uniVersaAufbauRENTEtopinvestTake out yes no yes yes not addressed yes
uniVersafondsgebundene topgreeninvest RENTETake out yes yes yes yes yes, up to EUR 50 yes
uniVersafondsgebundene topinvest RENTETake out yes yes yes yes yes, up to EUR 50 yes
uniVersafondsgebundene topinvest RENTEgarantTake out yes yes yes yes yes, up to EUR 50 yes
uniVersaklassische AktivRENTETake out yes yes yes yes yes yes
uniVersaSofortrente sofort beginnende AktivRENTETake out yes not addressed not addressed not addressed not addressed not addressed
VOLKSWOHL BUNDFondsgebundeneTake out yes yes yes yes yes, up to EUR 50 yes
VPVfondsgebundene Go InvestTake out yes yes yes yes yes yes
VPVFlex Garant InvestTake out yes yes yes yes yes yes
VPVFlex Garant RenteTake out yes yes not addressed not addressed yes not addressed
VPVZukunftsplan KomfortTake out yes yes yes yes yes yes
VPVZukunftsplan PlusTake out yes yes yes yes yes yes
WürttembergischePrivatRente GeniusTake out yes yes yes yes yes yes
WürttembergischeIndexCleverTake out yes yes yes yes yes yes
WürttembergischeSofortrenteTake out yes not addressed not addressed not addressed yes not addressed
ZurichfondsgebundeneTake out yes no yes yes not addressed yes
Zurichfondsgebundene mit flexiblem AnlagemixTake out yes yes yes not addressed none yes
Zurichfondsgebundene Private VorsorgeTake out yes yes yes yes yes yes
ZurichSofortrente RenteClassic SelectTake out yes not addressed not addressed not addressed yes not addressed

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 70 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.

  • AXA
  • BarmeniaGothaer
  • Concordia
  • Condor
  • Debeka
  • Deutsche Ärzteversicherung
  • Generali
  • Gothaer
  • Hannoversche
  • HanseMerkur
  • HDI
  • Helvetia
  • IDEAL
  • INTER
  • Itzehoer
  • Mecklenburgische
  • MÜNCHENER VEREIN
  • neue leben
  • ÖSA Versicherungen
  • Provinzial
  • R+V
  • SIGNAL IDUNA
  • Standard Life
  • SV Sachsen
  • SV SparkassenVersicherung
  • Swiss Life
  • VGH
  • Versicherungskammer Bayern
  • VRK
  • WGV
  • 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.

Updated