Employer contribution
For salary conversion, a 15% employer contribution is generally required where the statutory conditions are met. It may be capped by the employer's actual social security savings.
Business insuranceEmployers and employees
Build more retirement freedom through your workplace.
Direct insurance can combine salary conversion, an employer contribution and long-term saving. We explain what is guaranteed, what depends on fund performance and what happens when you change employer.
No obligationAvailable across GermanyGerman / Turkish / English
What you gain
The value of cover matched to your needs.
Incentives, guarantees and flexibility shown clearly side by side
Tariff-dependent guarantee
The reviewed documents state a 60% or 80% contribution guarantee at retirement, depending on the tariff. Investment returns themselves are not guaranteed.
Flexible when changing jobs
Subject to the relevant conditions, the policy may be transferred or continued privately.
Moving towards the right fit
How we turn your goal into a clear next step.
We organise the important facts clearly and prepare a solution around your everyday needs and goals.
- 01
Clarify whether the review is for an employee or employer
- 02
Calculate the monthly contribution and employer support clearly
- 03
In the reviewed tariff model, 100% of the initial contribution is invested in funds
- 04
Compare funds, guarantee level and pension factor
- 05
Consider tax and social security effects during both the saving and payment phases
Transparency note: Benefits may be taxable and, depending on the individual situation, may result in health and long-term care insurance contributions. Personal figures require an individual calculation.
Frequently asked questions
A few answers before you enquire.
01Are fund returns guaranteed?
No. Only the contractually agreed guarantee level is guaranteed. Fund values can rise or fall.
02What happens if I change employer?
Depending on the circumstances, the pension may be transferred, continued through the new employer or paid privately. The contract terms must be checked.
03Does the employer always contribute 15%?
The statutory contribution is subject to conditions and may be limited to the employer's actual social security savings.
Free enquiry
Review my workplace pension options.
Tell us whether you are an employer or employee and whether a workplace pension already exists.
- Initial assessment with no obligation
- German / Turkish / English
- We only reply through the channel you choose