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Every German policy wording: Unit-linked pension insurance

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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 No guarantee ETFs available Switch fee Annuity factor Factor reducible Surrender charge
Condor Congenial privat Unit-linked pensionTake out Condor Congenial privat Unit-linked pension yes not addressed yes yes not addressed yes
Continentale EasyRente Invest Unit-linked pensionTake out Continentale EasyRente Invest Unit-linked pension yes not addressed none yes not addressed yes, up to EUR 60
Continentale RenteInvest Unit-linked pensionTake out Continentale RenteInvest Unit-linked pension yes yes none yes not addressed yes, up to EUR 60
CosmosDirekt fondsgebundene Unit-linked pensionTake out CosmosDirekt fondsgebundene Unit-linked pension yes yes none yes yes not addressed
die Bayerische Hallo Zukunft Unit-linked pensionTake out die Bayerische Hallo Zukunft Unit-linked pension yes yes yes yes not addressed yes
die Bayerische Pangaea Life Blue Invest Unit-linked pensionTake out die Bayerische Pangaea Life Blue Invest Unit-linked pension yes not addressed none yes not addressed yes
ERGO Rente Chance Unit-linked pensionTake out ERGO Rente Chance Unit-linked pension yes yes yes, up to EUR 25 yes yes yes
HUK-COBURG Premium-Rente Unit-linked pensionTake out HUK-COBURG Premium-Rente Unit-linked pension yes not addressed none yes yes yes
LV 1871 MeinPlan mit Garantie Unit-linked pensionTake out LV 1871 MeinPlan mit Garantie Unit-linked pension no not addressed none yes yes yes, up to EUR 50
LV 1871 MeinPlan ohne Garantie Unit-linked pensionTake out LV 1871 MeinPlan ohne Garantie Unit-linked pension yes not addressed none yes yes yes, up to EUR 50
myLife Fonds-Rente Unit-linked pensionTake out myLife Fonds-Rente Unit-linked pension yes not addressed yes yes not addressed none
myLife Invest Rente Unit-linked pensionTake out myLife Invest Rente Unit-linked pension yes not addressed yes yes not addressed none
myLife Netto-Vermögens-Fonds-Rente mit Garantie Unit-linked pensionTake out myLife Netto-Vermögens-Fonds-Rente mit Garantie Unit-linked pension no not addressed not addressed yes not addressed not addressed
NÜRNBERGER fondsgebundene mit Garantiefonds Unit-linked pensionTake out NÜRNBERGER fondsgebundene mit Garantiefonds Unit-linked pension no not addressed not addressed not addressed not addressed none
NÜRNBERGER fondsgebundene mit Pflege-Option Unit-linked pensionTake out NÜRNBERGER fondsgebundene mit Pflege-Option Unit-linked pension yes not addressed none yes not addressed none
NÜRNBERGER fondsgebundene mit Rentengarantiezeit Unit-linked pensionTake out NÜRNBERGER fondsgebundene mit Rentengarantiezeit Unit-linked pension yes not addressed none yes not addressed none
Standard Life Maxxellence Invest Unit-linked pensionTake out Standard Life Maxxellence Invest Unit-linked pension yes not addressed none yes yes not addressed
Swiss Life Investo Unit-linked pensionTake out Swiss Life Investo Unit-linked pension yes yes not addressed yes not addressed not addressed
uniVersa topgreeninvest RENTE Unit-linked pensionTake out uniVersa topgreeninvest RENTE Unit-linked pension yes not addressed none yes none yes
uniVersa topinvest RENTE Unit-linked pensionTake out uniVersa topinvest RENTE Unit-linked pension yes not addressed none yes none yes
uniVersa topinvest RENTEgarant Unit-linked pensionTake out uniVersa topinvest RENTEgarant Unit-linked pension no not addressed none yes none yes
VOLKSWOHL BUND FONDS PUR Unit-linked pensionTake out VOLKSWOHL BUND FONDS PUR Unit-linked pension yes not addressed not addressed yes yes yes, up to EUR 100
VPV fondsgebundene Go Invest Unit-linked pensionTake out VPV fondsgebundene Go Invest Unit-linked pension yes yes none yes not addressed yes, up to EUR 100
Württembergische PrivatRente Genius Unit-linked pensionTake out Württembergische PrivatRente Genius Unit-linked pension yes not addressed yes yes not addressed yes
Zurich fondsgebundene mit flexiblem Anlagemix Unit-linked pensionTake out Zurich fondsgebundene mit flexiblem Anlagemix Unit-linked pension yes not addressed not addressed yes not addressed not addressed
Zurich fondsgebundene Private Vorsorge Unit-linked pensionTake out Zurich fondsgebundene Private Vorsorge Unit-linked pension yes not addressed not addressed yes not addressed yes, up to EUR 250

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.

  • Allianz
  • ALTE LEIPZIGER
  • Canada Life
  • Gothaer
  • HDI
  • Helvetia
  • Provinzial
  • SIGNAL IDUNA
  • Stuttgarter
  • 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