Start early
A longer timeframe can support capital growth without promising a fixed return.
Personal insuranceFamilies
Small contributions now can create more options later.
A long-term plan can build funds for education, university, a driving licence or the start of independent life. We separate the savings goal, investment risk and costs before a solution is selected.
No obligationAvailable across GermanyGerman / Turkish / English
Problem · Benefit · Decision
What this cover can solve for you.
A plan matched to the family's goal, timeframe and need for flexibility
Keep it flexible
Check the rules for payment breaks, additional contributions and access to the money.
Set a clear goal
Choose whether education, starting capital or longer-term provision comes first.
Getting specific
What we will clarify together.
A sound decision starts with the right facts, not a blanket price promise.
- 01
Define the target amount and timeframe
- 02
Clarify the preferred level of security and tolerance for market movements
- 03
Compare costs and available payout options
- 04
Check what happens if the person funding the plan can no longer make payments
Important: Capital market investments can rise and fall; returns are not guaranteed. Costs, term, investment selection and contractual flexibility all matter.
Frequently asked questions
A few answers before you enquire.
01When is a good time to start?
The earlier a realistic plan begins, the longer the money has to work. The contribution must still remain affordable over time.
02Is the money guaranteed?
That depends on the chosen solution. Fund-based investments fluctuate, while guarantees usually reduce potential returns.
03Who controls the money later?
This depends on the policyholder, insured person and beneficiary arrangement and should be decided deliberately.
Free enquiry
Discuss a future plan.
Tell us the age or goal you are saving for and the monthly contribution you have in mind.
- Initial assessment with no obligation
- German / Turkish / English
- We only reply through the channel you choose