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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