PrismaLife’s provident fund

As part of its occupa­tional pension scheme, the employer can offer extended pension models for its employees. One of the most frequently selected models is the so-called Unter­stützungskasse (UKasse).PrismaLife’s UKasse extends the tax-free scope of employees’ occupa­tional pension beyond the limits of a Direk­tver­sicherung. If they have a higher income, retired employees often have a partic­u­larly large pension gap, because for income above the social security contri­bution ceiling, no premiums are paid into the statutory pension scheme. In combi­nation with Direk­tver­sicherung, you can build financial security for retirement with the an Unter­stü­tungskasse. All the premiums are tax-free with no upper limit.

PrismaLife’s provident fund

As part of its occupa­tional pension scheme, the employer can offer extended pension models for its employees. One of the most frequently selected models is the so-called Unter­stützungskasse (UKasse).PrismaLife’s UKasse extends the tax-free scope of employees’ occupa­tional pension beyond the limits of a Direk­tver­sicherung. If they have a higher income, retired employees often have a partic­u­larly large pension gap, because for income above the social security contri­bution ceiling, no premiums are paid into the statutory pension scheme. In combi­nation with Direk­tver­sicherung, you can build financial security for retirement with the an Unter­stü­tungskasse. All the premiums are tax-free with no upper limit.

Your advan­tages

  • Customised pension concepts without premium limits
  • Increased appeal of the company when recruiting employees and managers
  • Balance-sheet-neutral solution with simple admin­is­tration for the employer
  • Different pension guarantee levels can be selected
  • Selection from PrismaLife’s entire range of funds for free fund investment
  • Insol­vency protection by the German Pensions-Sicherungs-Verein (PSVaG)

Our selected sales partners provide support for designing an individual company pension. They also advise employees on personal reali­sation within the scope of deferred compen­sation.

An example

An executive, 45 years old, pays an annual premium of €10,000 up to the age of 67. With an average perfor­mance of 4.5% p.a. by the fund, the insured person receives a possible payout on maturity of €308,996 or alter­na­tively a possible lifelong annuity of €957.30 per month (guaranteed annuity of €512.99 with guaranteed pension increase of 1% p.a.).

More products and infor­mation

Prisma FlexInvest

Peace of mind when you look into your financial future with Prisma FlexInvest. Our unit-linked pension insurance offers you maximum flexi­bility at every stage of life.

Prisma
Direk­tver­sicherung

Are you inter­ested in direct insurance that offers employers and employees a variety of tax advan­tages? PrismaLife Direk­tver­sicherung offers many advan­tages.

Fund infor­mation

Our wide range of funds has more than 100 funds for you to choose from. They include ETFs, equity funds, bond funds, money market funds, thematic funds, environ­mental and sustain­ability funds, region funds and managed mixed funds.

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