Financial freedom starts with good, well-thought-out planning. PrivateFinancePolice is a broad financial product that brings together different parts of personal financial planning: from investment and retirement provision to insurance cover. For people who want to run their finances efficiently and as a whole, it is an interesting alternative to several separate products: everything from one provider, matched together and easy to manage.
The range of financial products in Germany is huge. Over the years, many people collect several insurance contracts, different savings accounts and various investment products, often without a clear overall plan and without a full view of the big picture. PrivateFinancePolice starts here and offers an integrated approach: different building blocks are combined in a single contract and matched to each other, which cuts administration and systematically uses room for improvement.
A typical feature of PrivateFinancePolice is its flexibility. Unlike rigid individual insurance policies, the separate components can be adjusted to changing life situations. When life changes, for example through marriage, children, buying a property or a new job, the policy can be changed to match without having to start from scratch. That saves time, cost and nerves and makes sure your cover always fits your current situation.
PrivateFinancePolice is for people who want to approach their finances in a professional, structured way, who value a joined-up approach and are ready to invest regularly in their financial future. It is especially attractive for high earners with more complex financial situations and for people planning long-term, systematic wealth building.
When you assess a PrivateFinancePolice, look at the total cost structure, the flexibility of the individual building blocks, the return prospects and the tax treatment.
We offer an individual analysis and help you make a well-founded decision for your financial future.
PrivateFinancePolice benefits
Private pension insurance (Private Rentenversicherung) with a capital option. Access to return opportunities from alternative investments in 5 asset classes: infrastructure, real estate, renewable energy, private equity, private debt.
Minimum single premium €10,000, minimum term 12 years, benefit start date freely selectable (max. age 85).
Payout options: guaranteed lifelong pension or fixed-term pension, one-off lump sum, or a combination. Pension paid monthly to yearly.
Tax: only the earnings portion (Ertragsanteil) of the pension is taxed. Lump sum: 50% of the gain is tax-free (12+ years, from age 62).
No extra payments or withdrawals during the term. Active management by the worldwide Allianz expert network, globally diversified.