Insurance broker / Company pension schemes in Germany (bAV) / Policy wording archive
Gothaer GarantieRente: the policy wording in full
Klassische Direktversicherung mit beitragsbezogener Garantie, garantierter Mindestrente und Mindestrentenfaktor, Hinterbliebenenrente vor Rentenbeginn und optionalem Schutz bei Berufsunfähigkeit; gezillmert.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.98 out of 5 stars from 5,042 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with Gothaer.
- AI has advised
- 2Your details
- Application to Gothaer
Thank you, we have your application.
We prepare it with Gothaer and get back to you with the documents.
Everything about this policy
What the policy covers: 62 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for Gothaer GarantieRente.
Basics and funding vehicle
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Direct insurance (employer is policyholder, employee is the insured person) | yes | „Allgemeine Versicherungsbedingungen für die Gothaer Direktversicherung GarantieRente“ | Titel, page 1 |
| Pension fund or occupational group insurance as funding vehicle | not addressed | ||
| Reinsurance policy backing a direct pension promise or support fund | not addressed | ||
| Funding by employee salary sacrifice possible | yes | „Wenn die Beiträge aus einer Entgeltumwandlung geleistet werden, können Forderungen und …“ | § 19 (1), page 28 |
| Purely employer funded pension possible | not addressed | ||
| Tax favoured contributions under local law | yes | „Falls Sie Ihren Vertrag als Gothaer ZuschussRente (Direktversicherung nach § 100 EStG) …“ | Vorbemerkung, page 2 |
| Employer top up on salary sacrifice (Germany 15 percent) regulated in the wording | not addressed | ||
| Group framework contract with own terms (simplified acceptance, special costs) | not addressed |
Retirement benefit and guarantees
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Guaranteed technical interest rate during accumulation | yes | „Wir verzinsen es mit einem garantierten Zins.“ | § 1 (2), page 2 |
| Contribution guarantee at retirement (share of paid contributions) | yes | „Wir garantieren Ihnen, dass zur Berechnung Ihrer Rente zum planmäßigen Rentenbeginn ein …“ | § 1 (3), page 2 |
| Defined contribution with minimum benefit or contribution oriented benefit promise expressly covered | not addressed | ||
| Guaranteed annuity factor or minimum pension at retirement | yes | „Ihrer Police können Sie einen Mindestrentenfaktor je 10.000 EUR Vertragsguthaben …“ | § 3 I. (3), page 3 |
| Lifelong annuity as standard benefit | yes | „Ab dem Rentenbeginn zahlen wir eine lebenslange Rente in Euro bis zum Tod der …“ | § 3 I. (1), page 2 |
| Option to take a lump sum instead of a pension | yes | „Ihr Antrag auf Auszahlung des Kapitals muss uns mindestens sechs Wochen vor …“ | § 3 II. (1), page 5 |
| Partial lump sum alongside the pension | yes | „Die Auszahlung darf dann höchstens 30 % des gesamten Vertragsguthabens betragen.“ | § 3 II. (2), page 4 |
| Flexible retirement start (earlier or deferred) | yes | „Die versicherte Person muss am vorverlegten Rentenbeginn mindestens 62 Jahre alt sein.“ | § 3 I. (6), page 4 |
| Guaranteed annuity period or return of remaining capital in payout | yes | „Wenn die versicherte Person innerhalb der vereinbarten Rentengarantiezeit verstirbt …“ | § 3 III. (6), page 5 |
| Pension increases in payment (profit use, indexation) | yes | „Aus den Überschüssen bilden wir jedes Jahr eine zusätzliche Rente (Bonusrente).“ | § 11 IV. (2), page 20 |
| Fund investment with fund choice during accumulation | no | „Die Gothaer Direktversicherung GarantieRente ist eine Rentenversicherung mit …“ | Vorbemerkung, page 1 |
| Profit participation and share of valuation reserves | yes | „der Beteiligung an den Bewertungsreserven (siehe § 11 Abschnitt V.).“ | § 3 I. (2), page 3 |
Survivors and additional cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Death benefit before retirement (return of contributions or fund value) | yes | „Das Kapital, aus dem wir diese Rente berechnen ist vor dem planmäßigen Rentenbeginn der …“ | § 3 III. (1), page 5 |
| Survivor pension to spouse or registered partner | yes | „Diese Rente zahlen wir lebenslang an den Hinterbliebenen im Sinne dieser Bedingungen.“ | § 3 III. (1), page 5 |
| Orphan pension to dependent children | yes | „Für jedes Kind berechnen wir aus dem jeweiligen Teil des Kapitals eine befristete …“ | § 3 III. (2), page 5 |
| Beneficiaries limited to survivors allowed under tax rules | yes | „Auch bei einer Änderung können nur Personen aus dem genannten Personenkreis angegeben …“ | § 3 III. Hinterbliebene, page 7 |
| Funeral grant to other persons (amount) | yes, up to EUR 8,000 | „Das Sterbegeld ist so hoch wie das bei Tod vorhandene Kapital, höchstens jedoch 8.000 EUR.“ | § 3 III. (5), page 5 |
| Disability cover as rider in the same contract | yes | „die Beitragsbefreiung bei Berufsunfähigkeit und eine Berufsunfähigkeitsrente.“ | § 3 IV. (1), page 7 |
| Premium waiver if the employee becomes disabled | yes | „Beitragsbefreiung bei Berufsunfähigkeit bedeutet, dass Sie keine Beiträge mehr zahlen …“ | § 3 IV. (2), page 7 |
| Long term care option or higher pension in case of care need | yes | „Wir leisten auch wie in Absatz 2 beschrieben, wenn die versicherte Person …“ | § 3 IV. (3), page 8 |
Vesting and change of employer
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Immediate vesting of rights from salary sacrifice | not addressed | ||
| Vesting period for employer funded parts | not addressed | ||
| Irrevocable beneficiary right of the employee from the start | not addressed | ||
| Insurance contract solution on leaving (policy passes to the employee) | not addressed | ||
| Transfer to a new employer or provider | not addressed | ||
| Private continuation with own contributions after leaving | not addressed | ||
| Contribution pause during parental leave, sick pay or short time work | yes | „Bei Zahlungsschwierigkeiten können Sie in Textform beantragen, die Zahlung von …“ | § 8 (1), page 12 |
| Reinstatement after paid up status without new health check | yes | „Nehmen Sie die Beitragszahlung innerhalb von sechs Monaten nach Beginn der …“ | § 8, page 14 |
| Insolvency protection of the entitlement | not addressed |
Costs, cancellation and disposal
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Zillmerised tariff (acquisition costs offset against first contributions) | yes | „Bei Ihrem Vertrag wenden wir das Zillmerverfahren an.“ | § 12 (2), page 21 |
| Acquisition costs spread over at least five years or the whole term | yes | „Wir verrechnen die einmaligen Abschluss- und Vertriebskosten nach Maßgabe des § 169 …“ | § 14 (4), page 22 |
| Deduction on cancellation or paid up status | yes | „Bei einer solchen Beitragsfreistellung vermindern wir das Vertragsguthaben um einen Abzug.“ | § 8 (3), page 13 |
| Deduction on transfer to another provider | not addressed | ||
| Disposal restriction: assignment, loans and surrender by the employee excluded | yes | „Außerdem ist eine Verpfändung oder Beleihung durch den Arbeitgeber nicht möglich.“ | § 19 (1), page 28 |
| Free fund switch | not addressed |
Underwriting and employer duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Simplified health check for riders in group business | yes | „wir bei Abschluss des Vertrags auf eine Gesundheitsprüfung verzichtet haben“ | § 3 IV. (2), page 8 |
| Minimum number of insured employees in the group | not addressed | ||
| Shareholder managing directors or family employees insurable | yes | „so für Gesellschafter-Geschäftsführer.“ | Anhang I, page 30 |
| Minimum contribution per insured person | yes, up to EUR 30 | „Der Beitrag darf aber nicht unter 30 EUR monatlich liegen.“ | § 8 (2), page 13 |
| Maximum contribution per insured person | not addressed | ||
| Employer notification duties (leaving, salary change, parental leave) | not addressed | ||
| Consequences of late contributions (reminder, deadline, employee information) | yes | „Wir setzen Ihnen in der Mahnung eine Zahlungsfrist von mindestens zwei Wochen.“ | § 6, page 12 |
| Annual statement to the employee | yes | „Einmal im Jahr erhalten Sie von uns eine Mitteilung über den aktuellen Stand Ihres …“ | Anhang II, Renteninformation, page 36 |
| Pledge of the reinsurance policy to the beneficiary provided | not addressed |
Austria and Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Austria: occupational group insurance under section 93 VAG 2016 and Company Pensions Act | not addressed | ||
| Austria: pension fund contract with investment and risk group | not addressed | ||
| Austria: minimum return guarantee | not addressed | ||
| Spain: company pension insurance plan (PPSE) | not addressed | ||
| Spain: simplified occupational pension plan (PPES), also for self employed | not addressed | ||
| Spain: group insurance expressly funding pension commitments | not addressed | ||
| Spain: covered contingencies (retirement, disability, death, dependency) | not addressed | ||
| Spain: early access (ten year old contributions, serious illness, long term unemployment) | not addressed | ||
| Spain: control committee with employee representation | not addressed | ||
| Spain: tax imputation of employer contributions to employees | 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.
Policy wordings and provider
- Legal entity
- Gothaer Lebensversicherung Aktiengesellschaft, Gothaer Pensionskasse AG
- Distribution
- brokers and direct
- Versicherungsbedingungen Direktversicherung GarantieRente (CR22-14) Edition: CR22-14, 216794 10.25, Version 23.03.2026 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German. It is printed on the German page for Gothaer GarantieRente and available as plain text.
Volltext Gothaer GarantieRente · As text (Markdown) Gothaer GarantieRente