With the tax-subsidized basic pension (Basisrente), all taxpayers can secure their returns extra for old-age provision. For 2021, you can already claim 92 percent of your contributions against tax, and for 2022, the figure is 94 percent. By 2025, the subsidized portion will increase by 2 percentage points each year to 100 percent. You can reinvest the tax savings to build up additional flexible capital for your pension.

Since 2002, every employee has had a statutory right to deferred compensation as part of a company pension plan. In this case, your employer pays a portion of your gross salary directly into a pension scheme. This saves taxes and social security contributions, and at the same time you provide for your retirement.

If you want to live in your own condominium, freehold apartment or house, you can receive state support for the construction or follow-up financing in the form of the Riester subsidy.

Children can very easily miss school or training for a long time due to illness or accidents. With the My Future Plan system (Mein Zukunftsplan), you not only protect your children against incapacity to attend school, disability, occupational disability or need for long-term care, but you can also build up capital for the start of their adult life. With up to nine early payouts, you can then help your child finance their driver's license, training or studies, and first apartment furnishings.

With the tax-subsidized Basisrente, all taxpayers can secure their additional return for retirement planning. For 2021, you can already claim 92 percent of your contributions for tax purposes, and for 2022 the figure is 94 percent. By 2025, the subsidized portion will increase by 2 percentage points each year to 100 percent. You can reinvest the tax savings to build up additional flexible capital for your pension.

Since 2002, every employee has had a statutory right to deferred compensation as part of a company pension plan. In this case, your employer pays a portion of your gross salary directly into a pension scheme. This saves taxes and social security contributions, and at the same time you provide for your retirement.

The risk of occupational disability is often underestimated. Yet your earning power is your most valuable asset! Statistically, every fourth person becomes unable to work. Mental illnesses are among the most frequent causes. So it also affects supposedly non-hazardous occupational groups such as office workers. And only in the event that you really can no longer work at all - i.e. not even in a profession other than the one you learned - does the state offer a small amount of basic protection. With occupational disability insurance, you protect your income to cover ongoing costs such as supporting your family, paying for housing or your vehicle.

Your life and your demands change. That's why a good private pension insurance is characterized above all by flexibility - in terms of premium payment, adjustment to changing life circumstances and payout. This means you can tailor your protection to your needs at any time - for a secure lifelong pension.

An insurance product that includes everything you need to protect yourself and your assets - does that sound interesting to you? That's what the VERMÖGENSSICHERUNGSPOLICE offers you. Modules that complement each other perfectly and therefore fit you exactly. You can also benefit from attractive discounts.

Property damage or personal injury can quickly mean financial ruin for the person who causes it. Personal liability insurance is therefore a must in order to protect yourself from potentially high claims for damages by third parties. Experts and consumer protection agencies strongly recommend this.

The Germans have a saying: "Scherben bringen Glück", or roughly: "shards bring good luck". But broken glass in your own household can quickly become expensive. So take precautions with glass insurance.

For some people, their own car is like a permanent member of the family, with which everyone goes on vacation; for others, it is simply indispensable for getting to work or picking up the kids from school. That's why it's important to ensure that everything runs smoothly in the event of an accident or damage.

If your vehicle unexpectedly gets into an accident or breaks down, a protection cover offers comprehensive services in addition to the motor vehicle insurance, from breakdown assistance to towing and return transport to the hospital.

You cannot start a journey for important reasons or you lose your luggage? That is annoying and usually also expensive. With the right travel insurance, you can insure yourself and your fellow travelers, the trip and your luggage against these risks.