Guaranteed pension conditions

We give you planning security: We offer guaranteed pension conditions for the payout phase already at the conclusion of the contract. No other provider of subsidized fund savings plans offers that.

Security through strong retirement partner

Together with our partner, myLife Lebens­versicherung AG, we offer fixed pension conditions with guaranteed pension factors for the payout phase already at the conclusion of the contract.
The guaranteed pension factor indicates your minimum lifelong monthly pension per EUR 10,000 of saved capital. A pension factor of e.g. 30 would then translate into a life-long monthly annuity of EUR 30 per EUR 10,000 of saved capital.

Use our calculator to determine your individual pension factor.

Year of birth
Retirement age

Guaranteed pension factor

Our insurance partner myLife guarantees you this current pension factor already at the beginning of your contract within the scope of the entitlement. This minimum factor contains no surpluses and thus represents the lower limit.

Expected pension factor

This value refers to the total amount of a flexible bonus pension incl. the current profit participation of myLife and is not guaranteed. The actual pension payment may fluctuate up or down depending on the surplus situation.

guaranteed pension factor
Year of birth Retirement age
62 63 64 65 66 67
1950 EUR 26.22 EUR 26.97 EUR 27.76 EUR 28.60 EUR 29.49 EUR 30.44
1951 EUR 26.07 EUR 26.81 EUR 27.60 EUR 28.43 EUR 29.31 EUR 30.25
1952 EUR 25.93 EUR 26.66 EUR 27.44 EUR 28.26 EUR 29.13 EUR 30.06
1953 EUR 25.78 EUR 26.51 EUR 27.28 EUR 28.09 EUR 28.95 EUR 29.87
1954 EUR 25.64 EUR 26.36 EUR 27.12 EUR 27.93 EUR 28.78 EUR 29.69
1955 EUR 25.50 EUR 26.21 EUR 26.97 EUR 27.76 EUR 28.61 EUR 29.51
1956 EUR 25.36 EUR 26.07 EUR 26.81 EUR 27.60 EUR 28.44 EUR 29.33
1957 EUR 25.23 EUR 25.93 EUR 26.67 EUR 27.45 EUR 28.28 EUR 29.16
1958 EUR 25.09 EUR 25.79 EUR 26.52 EUR 27.29 EUR 28.11 EUR 28.98
1959 EUR 24.96 EUR 25.65 EUR 26.37 EUR 27.14 EUR 27.95 EUR 28.81
1960 EUR 24.83 EUR 25.51 EUR 26.23 EUR 26.99 EUR 27.79 EUR 28.65
1961 EUR 24.70 EUR 25.38 EUR 26.09 EUR 26.84 EUR 27.64 EUR 28.48
1962 EUR 24.58 EUR 25.24 EUR 25.95 EUR 26.69 EUR 27.48 EUR 28.32
1963 EUR 24.45 EUR 25.11 EUR 25.81 EUR 26.55 EUR 27.33 EUR 28.16
1964 EUR 24.33 EUR 24.98 EUR 25.68 EUR 26.41 EUR 27.18 EUR 28.00
1965 EUR 24.21 EUR 24.86 EUR 25.54 EUR 26.27 EUR 27.04 EUR 27.85
1966 EUR 24.09 EUR 24.73 EUR 25.41 EUR 26.13 EUR 26.89 EUR 27.70
1967 EUR 23.97 EUR 24.61 EUR 25.28 EUR 25.99 EUR 26.75 EUR 27.55
1968 EUR 23.85 EUR 24.49 EUR 25.16 EUR 25.86 EUR 26.61 EUR 27.40
1969 EUR 23.74 EUR 24.37 EUR 25.03 EUR 25.73 EUR 26.47 EUR 27.25
1970 EUR 23.63 EUR 24.25 EUR 24.90 EUR 25.60 EUR 26.33 EUR 27.11
1971 EUR 23.52 EUR 24.13 EUR 24.78 EUR 25.47 EUR 26.19 EUR 26.96
1972 EUR 23.41 EUR 24.02 EUR 24.66 EUR 25.34 EUR 26.06 EUR 26.82
1973 EUR 23.30 EUR 23.90 EUR 24.54 EUR 25.22 EUR 25.93 EUR 26.68
1974 EUR 23.19 EUR 23.79 EUR 24.42 EUR 25.09 EUR 25.80 EUR 26.55
1975 EUR 23.08 EUR 23.68 EUR 24.31 EUR 24.97 EUR 25.67 EUR 26.41
1976 EUR 22.98 EUR 23.57 EUR 24.19 EUR 24.85 EUR 25.54 EUR 26.28
1977 EUR 22.88 EUR 23.46 EUR 24.08 EUR 24.73 EUR 25.42 EUR 26.15
1978 EUR 22.77 EUR 23.36 EUR 23.97 EUR 24.61 EUR 25.30 EUR 26.02
1979 EUR 22.67 EUR 23.25 EUR 23.86 EUR 24.50 EUR 25.17 EUR 25.89
1980 EUR 22.58 EUR 23.15 EUR 23.75 EUR 24.38 EUR 25.05 EUR 25.76
1981 EUR 22.48 EUR 23.04 EUR 23.64 EUR 24.27 EUR 24.94 EUR 25.64
1982 EUR 22.38 EUR 22.94 EUR 23.54 EUR 24.16 EUR 24.82 EUR 25.52
1983 EUR 22.28 EUR 22.84 EUR 23.43 EUR 24.05 EUR 24.70 EUR 25.39
1984 EUR 22.19 EUR 22.74 EUR 23.33 EUR 23.94 EUR 24.59 EUR 25.27
1985 EUR 22.10 EUR 22.65 EUR 23.22 EUR 23.83 EUR 24.48 EUR 25.16
1986 EUR 22.00 EUR 22.55 EUR 23.12 EUR 23.73 EUR 24.37 EUR 25.04
1987 EUR 21.91 EUR 22.45 EUR 23.02 EUR 23.62 EUR 24.26 EUR 24.92
1988 EUR 21.82 EUR 22.36 EUR 22.93 EUR 23.52 EUR 24.15 EUR 24.81
1989 EUR 21.74 EUR 22.27 EUR 22.83 EUR 23.42 EUR 24.04 EUR 24.70
1990 EUR 21.65 EUR 22.18 EUR 22.73 EUR 23.32 EUR 23.93 EUR 24.59
1991 EUR 21.56 EUR 22.08 EUR 22.64 EUR 23.22 EUR 23.83 EUR 24.48
1992 EUR 21.47 EUR 22.00 EUR 22.54 EUR 23.12 EUR 23.73 EUR 24.37
1993 EUR 21.39 EUR 21.91 EUR 22.45 EUR 23.02 EUR 23.62 EUR 24.26
1994 EUR 21.31 EUR 21.82 EUR 22.36 EUR 22.92 EUR 23.52 EUR 24.15
1995 EUR 21.22 EUR 21.73 EUR 22.27 EUR 22.83 EUR 23.42 EUR 24.05
1996 EUR 21.14 EUR 21.65 EUR 22.18 EUR 22.74 EUR 23.32 EUR 23.95
1997 EUR 21.06 EUR 21.56 EUR 22.09 EUR 22.64 EUR 23.23 EUR 23.84
1998 EUR 20.98 EUR 21.48 EUR 22.00 EUR 22.55 EUR 23.13 EUR 23.74
1999 EUR 20.90 EUR 21.40 EUR 21.91 EUR 22.46 EUR 23.04 EUR 23.64
2000 EUR 20.82 EUR 21.31 EUR 21.83 EUR 22.37 EUR 22.94 EUR 23.54
2001 EUR 20.75 EUR 21.23 EUR 21.74 EUR 22.28 EUR 22.85 EUR 23.45
2002 EUR 20.67 EUR 21.15 EUR 21.66 EUR 22.19 EUR 22.76 EUR 23.35
2003 EUR 20.59 EUR 21.07 EUR 21.58 EUR 22.11 EUR 22.67 EUR 23.25
2004 EUR 20.52 EUR 21.00 EUR 21.50 EUR 22.02 EUR 22.58 EUR 23.16
2005 EUR 20.45 EUR 20.92 EUR 21.42 EUR 21.94 EUR 22.49 EUR 23.07
expected pension factors including surplus (flexible pension)
Year of birth Retirement age
62 63 64 65 66 67
1950 EUR 31.47 EUR 32.36 EUR 33.32 EUR 34.32 EUR 35.39 EUR 36.53
1951 EUR 31.29 EUR 32.18 EUR 33.12 EUR 34.12 EUR 35.17 EUR 36.30
1952 EUR 31.11 EUR 31.99 EUR 32.92 EUR 33.91 EUR 34.96 EUR 36.07
1953 EUR 30.94 EUR 31.81 EUR 32.73 EUR 33.71 EUR 34.75 EUR 35.85
1954 EUR 30.77 EUR 31.63 EUR 32.55 EUR 33.51 EUR 34.54 EUR 35.63
1955 EUR 30.60 EUR 31.46 EUR 32.36 EUR 33.32 EUR 34.33 EUR 35.41
1956 EUR 30.43 EUR 31.28 EUR 32.18 EUR 33.13 EUR 34.13 EUR 35.20
1957 EUR 30.27 EUR 31.11 EUR 32.00 EUR 32.94 EUR 33.93 EUR 34.99
1958 EUR 30.11 EUR 30.94 EUR 31.82 EUR 32.75 EUR 33.74 EUR 34.78
1959 EUR 29.95 EUR 30.78 EUR 31.65 EUR 32.57 EUR 33.54 EUR 34.58
1960 EUR 29.80 EUR 30.61 EUR 31.47 EUR 32.39 EUR 33.35 EUR 34.38
1961 EUR 29.64 EUR 30.45 EUR 31.31 EUR 32.21 EUR 33.16 EUR 34.18
1962 EUR 29.49 EUR 30.29 EUR 31.14 EUR 32.03 EUR 32.98 EUR 33.98
1963 EUR 29.34 EUR 30.14 EUR 30.97 EUR 31.86 EUR 32.80 EUR 33.79
1964 EUR 29.19 EUR 29.98 EUR 30.81 EUR 31.69 EUR 32.62 EUR 33.60
1965 EUR 29.05 EUR 29.83 EUR 30.65 EUR 31.52 EUR 32.44 EUR 33.42
1966 EUR 28.91 EUR 29.68 EUR 30.49 EUR 31.36 EUR 32.27 EUR 33.23
1967 EUR 28.76 EUR 29.53 EUR 30.34 EUR 31.19 EUR 32.10 EUR 33.05
1968 EUR 28.63 EUR 29.38 EUR 30.19 EUR 31.03 EUR 31.93 EUR 32.88
1969 EUR 28.49 EUR 29.24 EUR 30.03 EUR 30.87 EUR 31.76 EUR 32.70
1970 EUR 28.35 EUR 29.10 EUR 29.89 EUR 30.72 EUR 31.60 EUR 32.53
1971 EUR 28.22 EUR 28.96 EUR 29.74 EUR 30.56 EUR 31.43 EUR 32.36
1972 EUR 28.09 EUR 28.82 EUR 29.59 EUR 30.41 EUR 31.27 EUR 32.19
1973 EUR 27.96 EUR 28.68 EUR 29.45 EUR 30.26 EUR 31.12 EUR 32.02
1974 EUR 27.83 EUR 28.55 EUR 29.31 EUR 30.11 EUR 30.96 EUR 31.86
1975 EUR 27.70 EUR 28.42 EUR 29.17 EUR 29.97 EUR 30.81 EUR 31.70
1976 EUR 27.58 EUR 28.28 EUR 29.03 EUR 29.82 EUR 30.65 EUR 31.54
1977 EUR 27.45 EUR 28.16 EUR 28.90 EUR 29.68 EUR 30.50 EUR 31.38
1978 EUR 27.33 EUR 28.03 EUR 28.76 EUR 29.54 EUR 30.36 EUR 31.22
1979 EUR 27.21 EUR 27.90 EUR 28.63 EUR 29.40 EUR 30.21 EUR 31.07
1980 EUR 27.09 EUR 27.78 EUR 28.50 EUR 29.26 EUR 30.07 EUR 30.92
1981 EUR 26.97 EUR 27.65 EUR 28.37 EUR 29.13 EUR 29.92 EUR 30.77
1982 EUR 26.86 EUR 27.53 EUR 28.24 EUR 28.99 EUR 29.78 EUR 30.62
1983 EUR 26.74 EUR 27.41 EUR 28.12 EUR 28.86 EUR 29.64 EUR 30.47
1984 EUR 26.63 EUR 27.29 EUR 27.99 EUR 28.73 EUR 29.51 EUR 30.33
1985 EUR 26.52 EUR 27.18 EUR 27.87 EUR 28.60 EUR 29.37 EUR 30.19
1986 EUR 26.41 EUR 27.06 EUR 27.75 EUR 28.47 EUR 29.24 EUR 30.05
1987 EUR 26.30 EUR 26.95 EUR 27.63 EUR 28.35 EUR 29.11 EUR 29.91
1988 EUR 26.19 EUR 26.83 EUR 27.51 EUR 28.22 EUR 28.98 EUR 29.77
1989 EUR 26.08 EUR 26.72 EUR 27.39 EUR 28.10 EUR 28.85 EUR 29.64
1990 EUR 25.98 EUR 26.61 EUR 27.28 EUR 27.98 EUR 28.72 EUR 29.50
1991 EUR 25.87 EUR 26.50 EUR 27.16 EUR 27.86 EUR 28.59 EUR 29.37
1992 EUR 25.77 EUR 26.39 EUR 27.05 EUR 27.74 EUR 28.47 EUR 29.24
1993 EUR 25.67 EUR 26.29 EUR 26.94 EUR 27.63 EUR 28.35 EUR 29.11
1994 EUR 25.57 EUR 26.18 EUR 26.83 EUR 27.51 EUR 28.23 EUR 28.98
1995 EUR 25.47 EUR 26.08 EUR 26.72 EUR 27.40 EUR 28.11 EUR 28.86
1996 EUR 25.37 EUR 25.98 EUR 26.61 EUR 27.28 EUR 27.99 EUR 28.73
1997 EUR 25.27 EUR 25.87 EUR 26.51 EUR 27.17 EUR 27.87 EUR 28.61
1998 EUR 25.18 EUR 25.77 EUR 26.40 EUR 27.06 EUR 27.76 EUR 28.49
1999 EUR 25.08 EUR 25.67 EUR 26.30 EUR 26.95 EUR 27.64 EUR 28.37
2000 EUR 24.99 EUR 25.58 EUR 26.19 EUR 26.85 EUR 27.53 EUR 28.25
2001 EUR 24.89 EUR 25.48 EUR 26.09 EUR 26.74 EUR 27.42 EUR 28.13
2002 EUR 24.80 EUR 25.38 EUR 25.99 EUR 26.63 EUR 27.31 EUR 28.02
2003 EUR 24.71 EUR 25.29 EUR 25.89 EUR 26.53 EUR 27.20 EUR 27.90
2004 EUR 24.62 EUR 25.20 EUR 25.80 EUR 26.43 EUR 27.09 EUR 27.79
2005 EUR 24.53 EUR 25.10 EUR 25.70 EUR 26.33 EUR 26.99 EUR 27.68
expected pension factors including surplus (semi-dynamic pension)
Year of birth Retirement age
62 63 64 65 66 67
1950 EUR 30.20 EUR 31.06 EUR 31.97 EUR 32.94 EUR 33.96 EUR 35.05
1951 EUR 30.02 EUR 30.88 EUR 31.78 EUR 32.74 EUR 33.75 EUR 34.83
1952 EUR 29.86 EUR 30.70 EUR 31.60 EUR 32.54 EUR 33.55 EUR 34.61
1953 EUR 29.69 EUR 30.53 EUR 31.41 EUR 32.35 EUR 33.34 EUR 34.40
1954 EUR 29.53 EUR 30.36 EUR 31.23 EUR 32.16 EUR 33.14 EUR 34.19
1955 EUR 29.36 EUR 30.19 EUR 31.05 EUR 31.97 EUR 32.95 EUR 33.98
1956 EUR 29.21 EUR 30.02 EUR 30.88 EUR 31.79 EUR 32.75 EUR 33.78
1957 EUR 29.05 EUR 29.86 EUR 30.71 EUR 31.61 EUR 32.56 EUR 33.57
1958 EUR 28.89 EUR 29.69 EUR 30.54 EUR 31.43 EUR 32.37 EUR 33.38
1959 EUR 28.74 EUR 29.53 EUR 30.37 EUR 31.25 EUR 32.19 EUR 33.18
1960 EUR 28.59 EUR 29.38 EUR 30.20 EUR 31.08 EUR 32.01 EUR 32.99
1961 EUR 28.45 EUR 29.22 EUR 30.04 EUR 30.91 EUR 31.83 EUR 32.80
1962 EUR 28.30 EUR 29.07 EUR 29.88 EUR 30.74 EUR 31.65 EUR 32.61
1963 EUR 28.16 EUR 28.92 EUR 29.72 EUR 30.57 EUR 31.47 EUR 32.43
1964 EUR 28.02 EUR 28.77 EUR 29.57 EUR 30.41 EUR 31.30 EUR 32.25
1965 EUR 27.88 EUR 28.63 EUR 29.42 EUR 30.25 EUR 31.13 EUR 32.07
1966 EUR 27.74 EUR 28.48 EUR 29.26 EUR 30.09 EUR 30.97 EUR 31.89
1967 EUR 27.60 EUR 28.34 EUR 29.12 EUR 29.93 EUR 30.80 EUR 31.72
1968 EUR 27.47 EUR 28.20 EUR 28.97 EUR 29.78 EUR 30.64 EUR 31.55
1969 EUR 27.34 EUR 28.06 EUR 28.82 EUR 29.63 EUR 30.48 EUR 31.38
1970 EUR 27.21 EUR 27.92 EUR 28.68 EUR 29.48 EUR 30.32 EUR 31.21
1971 EUR 27.08 EUR 27.79 EUR 28.54 EUR 29.33 EUR 30.16 EUR 31.05
1972 EUR 26.95 EUR 27.66 EUR 28.40 EUR 29.18 EUR 30.01 EUR 30.89
1973 EUR 26.83 EUR 27.53 EUR 28.26 EUR 29.04 EUR 29.86 EUR 30.73
1974 EUR 26.70 EUR 27.40 EUR 28.13 EUR 28.90 EUR 29.71 EUR 30.57
1975 EUR 26.58 EUR 27.27 EUR 27.99 EUR 28.76 EUR 29.56 EUR 30.42
1976 EUR 26.46 EUR 27.14 EUR 27.86 EUR 28.62 EUR 29.42 EUR 30.26
1977 EUR 26.34 EUR 27.02 EUR 27.73 EUR 28.48 EUR 29.27 EUR 30.11
1978 EUR 26.23 EUR 26.90 EUR 27.60 EUR 28.35 EUR 29.13 EUR 29.96
1979 EUR 26.11 EUR 26.78 EUR 27.47 EUR 28.21 EUR 28.99 EUR 29.81
1980 EUR 26.00 EUR 26.66 EUR 27.35 EUR 28.08 EUR 28.85 EUR 29.67
1981 EUR 25.88 EUR 26.54 EUR 27.23 EUR 27.95 EUR 28.72 EUR 29.53
1982 EUR 25.77 EUR 26.42 EUR 27.10 EUR 27.82 EUR 28.58 EUR 29.38
1983 EUR 25.66 EUR 26.31 EUR 26.98 EUR 27.70 EUR 28.45 EUR 29.24
1984 EUR 25.55 EUR 26.19 EUR 26.86 EUR 27.57 EUR 28.32 EUR 29.11
1985 EUR 25.45 EUR 26.08 EUR 26.75 EUR 27.45 EUR 28.19 EUR 28.97
1986 EUR 25.34 EUR 25.97 EUR 26.63 EUR 27.32 EUR 28.06 EUR 28.83
1987 EUR 25.24 EUR 25.86 EUR 26.51 EUR 27.20 EUR 27.93 EUR 28.70
1988 EUR 25.13 EUR 25.75 EUR 26.40 EUR 27.08 EUR 27.81 EUR 28.57
1989 EUR 25.03 EUR 25.64 EUR 26.29 EUR 26.97 EUR 27.68 EUR 28.44
1990 EUR 24.93 EUR 25.54 EUR 26.18 EUR 26.85 EUR 27.56 EUR 28.31
1991 EUR 24.83 EUR 25.43 EUR 26.07 EUR 26.74 EUR 27.44 EUR 28.19
1992 EUR 24.73 EUR 25.33 EUR 25.96 EUR 26.62 EUR 27.32 EUR 28.06
1993 EUR 24.63 EUR 25.23 EUR 25.85 EUR 26.51 EUR 27.20 EUR 27.94
1994 EUR 24.54 EUR 25.13 EUR 25.75 EUR 26.40 EUR 27.09 EUR 27.81
1995 EUR 24.44 EUR 25.03 EUR 25.64 EUR 26.29 EUR 26.97 EUR 27.69
1996 EUR 24.35 EUR 24.93 EUR 25.54 EUR 26.18 EUR 26.86 EUR 27.57
1997 EUR 24.25 EUR 24.83 EUR 25.44 EUR 26.08 EUR 26.75 EUR 27.46
1998 EUR 24.16 EUR 24.73 EUR 25.34 EUR 25.97 EUR 26.64 EUR 27.34
1999 EUR 24.07 EUR 24.64 EUR 25.24 EUR 25.87 EUR 26.53 EUR 27.23
2000 EUR 23.98 EUR 24.54 EUR 25.14 EUR 25.76 EUR 26.42 EUR 27.11
2001 EUR 23.89 EUR 24.45 EUR 25.04 EUR 25.66 EUR 26.31 EUR 27.00
2002 EUR 23.80 EUR 24.36 EUR 24.94 EUR 25.56 EUR 26.21 EUR 26.89
2003 EUR 23.72 EUR 24.27 EUR 24.85 EUR 25.46 EUR 26.10 EUR 26.78
2004 EUR 23.63 EUR 24.18 EUR 24.76 EUR 25.36 EUR 26.00 EUR 26.67
2005 EUR 23.54 EUR 24.09 EUR 24.66 EUR 25.26 EUR 25.90 EUR 26.56

Benefit from more return opportunities and less pension uncertainty

If you save for old age, you can use the opportunities of the global capital market with low-cost funds. In return, you accept that it is not exactly predictable how much capital will be available to you at the beginning of your retirement.

You know from the beginning what will happen to your retirement capital if you decide on a life-long pension. Our insurance partner, myLife Lebens­versicherung AG, assures you guaranteed pension factors at the beginning of the contract for a retirement with between 62 and 67 years of age. You will not get such a guarantee with any other subsidized fund savings plan!

Only Raisin Pension offers you planning security today. Other providers of subsidized fund savings plans also promise you a lifelong pension. However, their conditions are set shortly before retirement.

Guaranteed pension factors olus a maximum pension commitment from the beginning

The guaranteed pension factor indicates your minimum lifelong monthly pension per EUR 10,000 of saved capital. It depends on the so-called calculation bases. These include the guaranteed annuity rate, the insurer's cost structure and the mortality tables used.

Example: With a savings of EUR 100,000 and a guaranteed pension factor of EUR 30 , you will receive a monthly lifelong pension of at least EUR 300.

Here you can find a table with the guaranteed pension factors depending on your year of birth, the start of the pension and the death protection you have chosen:
Guaranteed pension factors

Much can happen until your retirement. For example, the bases of calculation for life-long annuity payments may change. That's why you get not only guaranteed pension factors when signing the contract, but also a maximum pension commitment.

This means: If the calculation bases changed in your favor up to the beginning of the pension, you receive pension payments, which are calculated with the better conditions.

3 types of dependents insurance to choose from

During the contribution phase + 10-year pension guarantee period

Your saved money is available to your dependents in the form of a widow‘s or orphan‘s pension during the accumulation phase as well as in the first 10 years after the retirement date.

During the contribution phase + early death residual payout

Your saved money is available to your dependents in the form of a widow‘s or orphan‘s pension during the accumulation phase as well as a early death residual payout in the payout phase until the applicant is 87 years old.

Only during the contribution phase

Your saved money is available to your dependents in the form of a widow‘s or orphan‘s pension during the accumulation phase. If you die early in the payout phase, your dependents will not receive anything.

Surplus usage – flexible bonus pension or dynamic pension

The guaranteed pension factor has been calculated by myLife Lebens­versicherung AG in a conservative, very cautious, manner so that it can actually make the promised pension payments in the future.

The pension actually paid can be higher than the guaranteed one, because myLife Lebens­versicherung AG generates surpluses in its capital investment, most of which is passed on to customers. You have the choice between the flexible bonus pension and the dynamic pension or a mixture of both.

Flexible bonus pension

With the flexible bonus pension, surpluses are added to the first guaranteed pension. This proportion can fluctuate in both directions. This is the default option for all contracts.

Dynamic pension

With a dynamic pension the guaranteed pension payment increases every year and can no longer decrease.

Mixed form

In the mixed form, the guaranteed pension payment increases by less each year and at the same time a variable surplus is paid directly on the first pension. In all cases, a ten-year pension guarantee or a lump sum payment can be chosen as dependents insurance. However, this means that the pension factors are somewhat lower.

to the top