The company can conclude a group contract for its employees. At least 10 insured persons must take part for the contract to come about.

Our offer applies primarily to companies whose employees primarily come from the commercial sector, but also to academics, executives, board members, managing directors and managers. Smaller shares in production or manual workers and the like are also insured.
However, if the majority of the employees do not carry out any commercial activities, an individual examination may be necessary.

The company pension scheme (bAV) is in principle a good thing that offers both employers and employees many advantages. But as good as the bAV may appear at first glance, it still harbors some risks for employers.

The employee loses a large part of his bAV based on deferred compensation due to inadequate tariffs and excessive costs. Employers are liable for default due to commissions, administration and closing costs. This means that your employees have the right, at the latest after leaving the company, to sue you for payment of a missing value difference. This judgment of the Higher Labor Court in Munich affects every way of implementing company pension schemes. And the current low interest rate situation is also leading to problematic supply. So when were the accumulated bAV contracts last put to the test?

Technically correct and holistic advice with a detailed risk analysis can protect you from serious liability risks and consequential costs. With over 20 years of experience in company pension schemes, we know the pitfalls, ask the right questions, assess the initial situation and find a satisfactory solution for you and everyone involved.

An attractive company pension scheme can open up new avenues for employee loyalty and recruiting. According to studies published by the FAZ Institute and Generali Versicherung, company pensions are becoming the most effective tool for employee retention and motivation.

Company pension schemes are also often mentioned first by women and men when recruiting staff in the area of company benefits. Many applicants even actively inquire about the company's company pension scheme. With an innovative provision concept, there is a great opportunity to stand out from the competition.

As an insurance broker, we are independent and can therefore always check the insurance market for current terms and conditions, so that you too can benefit from low effective costs and a high total pension with your company pension scheme.

We work with over 240 companies, of which around 60 companies offer bAV contracts. Among them are test winners from the insurance industry. The pension products recommended by Stiftung Warentest and Finanztest are standard for us. We guarantee you the best conditions for your pension strategy.
Through comparisons and special conditions, we can also achieve special discounts for our clients, which have a positive effect on costs and earnings. As a result, price differences from 200% are not uncommon in the industry.

We know exactly what you have to pay so that good care can be guaranteed. In addition, we are also happy to check the terms and conditions of existing contracts for marketability. Use our free and non-binding initial analysis for your secure retirement provision.

In the company pension scheme, you as the employer are ultimately liable for all errors and deficiencies and may have to be responsible for the performance. This also applies to classic occupational disability insurance, since you are the policyholder here with all rights and obligations. If, for example, your employee is unable to work but the insurer does not recognize the benefit, then you as the policyholder have to sue or even stand up for the benefits even though the insurer does not pay.

With our solution, there is neither this liability nor the risk. We would be happy to explain the differences to you in a personal meeting or over the phone.