BIC ISBKDEFX
Your benefits:
Security: a guaranteed lifetime pension from the first day on insurance premiums are invested in a coverage fund – an extremely secure form of investment
Flexibility
- pension can be increased flexibly and according to income by making additional payments
- insurance can be adjusted to match new living conditions through dynamic increases in premiums and benefits without a medical examination
- thanks to a flexible early-payout phase, customers have the ability to retire early
- customers can choose between receiving a regular pension or a lump sum payout
Tax benefits
- all returns are tax-free during the saving phase. Only the benefits actually paid out are subject to a low tax rate. The pension benefits are taxed according to the profit share
- if the insurance policy is held for at least 12 years, and a lump sum payout is made after the customer has turned 60, only half of the return is considered taxable income
Private pension plans are a secure form of investment and offer you a reliable income with guaranteed benefits during retirement – and they are also highly flexible during the saving and payout phases.
In addition to a personal pension plan, the inclusion of provision for dependants and disability insurance can be arranged in a comprehensive and individual manner, which is particularly beneficial for the self-employed.
Guaranteed pension increases until the start of the payout phase as a result of profit participation.
The pension also increases after the start of the payout phase as a result of additional accrued profit shares.
A medical examination is not necessary as long as the customer does not purchase additional insurance or provision for dependants.
Added flexibility through selection of additional non-contributory options.
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