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
Use workplace pension contributions to build retirement income, while keeping the long-term costs and restrictions clear.
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
Problem · Benefit · Decision
What this cover can solve for you.
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.
Getting specific
What we will clarify together.
A sound decision starts with the right facts, not a blanket price promise.
- 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
Important: 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