Look to your financial future with peace of mind. Prisma FlexInvest (DE) is a unit-linked pension insurance for your private provision. It adapts to your individual life circumstances and offers you maximum flexibility at every stage of life. Benefit now from the various investment options and secure your pension. Payments can be made as a single premium or as regular premium payments. In addition, you can agree on dynamic changes.
\nTogether with your adviser, you choose the premiums that fit you best. Your adviser calculates your own personal pension illustration with our software.<\/p>\n<\/div>\n<\/div>\n<\/div>
Prisma FlexInvest<\/h1><\/div>\n![\"\"](\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%2714%27%20height%3D%2728%27%20viewBox%3D%270%200%2014%2028%27%3E%3Crect%20width%3D%2714%27%20height%3D%2728%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\")
<\/div>\n\nLook to your financial future with peace of mind. Prisma FlexInvest is a unit-linked pension insurance for your private provision. It adapts to your individual life circumstances and offers you maximum flexibility at every stage of life. Benefit now from the various investment options and secure your pension. Payments can be made as a single premium or as regular premium payments. In addition, you can agree on dynamic changes.
\nTogether with your adviser, you choose the premiums that fit you best. Your adviser calculates your own personal pension illustration with our software.<\/p>\n<\/div>\n<\/div>\n<\/div>
PRODUCT BROCHURE (PDF, GERMAN VERSION)<\/span><\/i><\/a><\/div><\/div><\/div><\/div>![](\"https:\/\/www.prismalife.com\/wp-content\/uploads\/2019\/04\/FlexInvest_Seite_900x600.jpg\" "\\"FlexInvest_Seite_900x600\\"")
<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Your advantages<\/h4><\/div>\n- The entire range of investment options: ETFs, equity funds, bond funds, money market funds, theme funds, environmental and sustainability funds, regional funds and asset-managing mixed funds.<\/span><\/li>\n
- Excellent investment funds from renowned fund companies<\/span><\/li>\n
- Optional value preservation concepts Managed for Life and Maturity Management<\/span><\/li>\n
- Exclusive reallocation management<\/span><\/li>\n
- Death cover of up to 200% of the premium sum<\/span><\/li>\n
- Additional option: premium waiver possible in the event of occupational disability<\/span><\/li>\n
- Additional payments or partial surrenders also possible during the duration<\/span><\/li>\n
- Selectable on maturity: lifelong annuity, single lump-sum payment, regular payments according to the payout plan or transfer of fund shares<\/span><\/li>\n
- Cross-Border-Option in case of relocation abroad<\/span><\/li>\n
- Available as a net rate from fee-only advisers or as a traditional gross rate<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>
Pension insurance with Prisma FlexInvest<\/h4><\/div>A customer, 30 years old, pays a monthly premium of \u20ac200 until the age of 67. With an average performance of 4.5 % p.a. of the funds, the customer receives a possible maturity benefit of \u20ac253,348. If an average performance of 6.0 % p.a. is achieved, the client has a possible maturity benefit of \u20ac357,154.<\/p>\n
Alternatively, he can select from a flexible payout plan or a lifelong monthly pension.<\/p>\n
The customer can choose from numerous investment strategies from ETFs, portfolios of renowned asset managers, managed strategies and many individual funds of all asset classes. The above calculation was made with the fund “Franklin Global Growth Fund N (acc) EUR” (global blue chip growth equities) using the net method.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>Sustainability-related disclosures<\/h4><\/div>1. Summary<\/h5><\/div>Ecological or social features are advertised with this product, as sustainable investment options can be selected in the savings phase. In the pension phase, the protection assets of PrismaLife AG are also advertised with ecological and social features (link Sustainability-related disclosure on the security and special assets<\/a>). Detailed information on the ecological or social features of the selectable funds and on the protection assets can be accessed via the download links in the fund information.<\/p>\n<\/div>2. No sustainable investment objective<\/h5><\/div>This financial product advertises environmental or social features, but does not aim at sustainable investments.<\/p>\n<\/div>
3. Environmental or social characteristics of the financial product<\/h5><\/div>This product offers free fund investment during the accumulation phase. Our range of funds includes funds that aim for sustainable investments (EU SFDR Art. 9), funds that promote environmental or social features (EU SFDR Art. 8) and funds that do not pursue an explicit sustainability strategy. The current selection can be found in the document \u00abFund Information\u00bb.
\nIn the pension phase, the funds are invested in PrismaLife’s protection assets. The protection assets promote ecological or social features. Details on this can be found on our homepage in the sustainability-related disclosures on the protection and special assets of PrismaLife AG (Link<\/a>).
\nDetailed information on the environmental or social characteristics of the eligible funds can be found for funds pursuant to Art. 8 and 9 EU SFDR in the pre-contractual ESG information prepared by the respective capital management companies. For all other funds, you will find information on dealing with sustainability risks in the fund prospectuses. Both documents can be accessed via download links in the Fondsinformationen<\/a>.<\/p>\n<\/div>4. Investment strategy<\/h5><\/div>You are free to determine your investment strategy during the savings phase by choosing the funds that suit you from our range of funds. You can choose from investment funds that pursue sustainable investment strategies and those that do not include sustainability aspects in their investment strategy.
\nExamples of criteria that funds may include in their investment decision are the following topics:<\/p>\n
\n- Environmental: conservation of wildlife, protection of natural resources, the atmosphere and coastal waters, mitigation of land degradation and climate change, avoidance of encroachment on ecosystems and loss of biodiversity<\/li>\n
- Social: universal human rights, prohibition of child labour and forced labour, mandatory non-discrimination, health and safety at work, fair working conditions and adequate pay<\/li>\n
- Good corporate governance: corporate principles of the International Corporate Governance Network, anti-corruption principles<\/li>\n<\/ul>\n<\/div>
5. Allocation of investments<\/h5><\/div>The allocation of investments depends on your fund selection.<\/p>\n<\/div>
6. Monitoring of environmental or social characteristics<\/h5><\/div>We continuously monitor the quality of our fund range, including reviewing aspects of sustainability. For this purpose, we use external data providers (currently Morningstar and MSCI ESG Research).<\/p>\n<\/div>
7. Methods for environmental or social characteristics<\/h5><\/div>The information on the sustainability of the funds published by the capital management companies (KVGs) within the framework of the European ESG Template (EET) is checked for plausibility by our specialists. In the event of findings, we establish a dialogue with the responsible KVGs. In addition, we regularly compare the information from the EET with the assessments of external data providers and make all necessary information available to our clients.<\/p>\n<\/div>
8. Data sources and processing<\/h5><\/div>PrismaLife obtains data from recognised external data providers specialising in fund data and sustainability analyses (currently Morningstar and MSCI ESG Research). The fund data is integrated into our systems and can thus be made available to customers on a regularly updated basis.<\/p>\n<\/div>
9. Limitation regarding methods and data<\/h5><\/div>\ufeff<\/span>Due to the update intervals in our systems, it is possible that data may not correspond to the daily updated status. Daily updated data can be obtained via the Prisma FundFinder on our homepage.<\/p>\n<\/div>10. Due diligence obligations<\/h5><\/div>PrismaLife takes into account the most significant adverse effects of investment decisions on sustainability factors in the areas of the environment, social affairs and employment, respect for human rights and the fight against corruption and bribery in order to maintain due diligence in the investments of the security assets. Special consideration is given to greenhouse gas emissions in the area of the environment and to violations of UNGC principles and involvement in controversial weapons in the area of social affairs and employment. These topics are anchored in the defined exclusion criteria and are regularly monitored.
\nThis ensures that investments are not made in companies and\/or financial instruments with particularly high adverse impacts on sustainability factors. If an increase in adverse impacts is identified in existing investments, it is examined whether the affected positions can be reduced.<\/p>\n<\/div>
11. Participation policy<\/h5><\/div>PrismaLife currently does not hold any direct equity investments and can therefore not actively exercise any voting rights in the sense of an ESG commitment. In addition, in view of the comparatively small cover pool, PrismaLife has hardly any opportunities to influence ESG aspects by actively exercising voting rights.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>More products and information<\/h3>\n<\/div><\/div><\/div><\/div><\/div><\/div>Fund information<\/h4>\n
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.<\/p>\n
![\"\"](\"https:\/\/www.prismalife.com\/wp-content\/uploads\/2019\/03\/pfeil-content.png\")
<\/div>\nLook to your financial future with peace of mind. Prisma FlexInvest is a unit-linked pension insurance for your private provision. It adapts to your individual life circumstances and offers you maximum flexibility at every stage of life. Benefit now from the various investment options and secure your pension. Payments can be made as a single premium or as regular premium payments. In addition, you can agree on dynamic changes.
\nTogether with your adviser, you choose the premiums that fit you best. Your adviser calculates your own personal pension illustration with our software.<\/p>\n<\/div>\n<\/div>\n<\/div>
<\/span><\/div><\/div>Your advantages<\/h4><\/div>\n- The entire range of investment options: ETFs, equity funds, bond funds, money market funds, theme funds, environmental and sustainability funds, regional funds and asset-managing mixed funds.<\/span><\/li>\n
- Excellent investment funds from renowned fund companies<\/span><\/li>\n
- Optional value preservation concepts Managed for Life and Maturity Management<\/span><\/li>\n
- Exclusive reallocation management<\/span><\/li>\n
- Death cover of up to 200% of the premium sum<\/span><\/li>\n
- Additional option: premium waiver possible in the event of occupational disability<\/span><\/li>\n
- Additional payments or partial surrenders also possible during the duration<\/span><\/li>\n
- Selectable on maturity: lifelong annuity, single lump-sum payment, regular payments according to the payout plan or transfer of fund shares<\/span><\/li>\n
- Cross-Border-Option in case of relocation abroad<\/span><\/li>\n
- Available as a net rate from fee-only advisers or as a traditional gross rate<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>
Pension insurance with Prisma FlexInvest<\/h4><\/div>A customer, 30 years old, pays a monthly premium of \u20ac200 until the age of 67. With an average performance of 4.5 % p.a. of the funds, the customer receives a possible maturity benefit of \u20ac253,348. If an average performance of 6.0 % p.a. is achieved, the client has a possible maturity benefit of \u20ac357,154.<\/p>\n
Alternatively, he can select from a flexible payout plan or a lifelong monthly pension.<\/p>\n
The customer can choose from numerous investment strategies from ETFs, portfolios of renowned asset managers, managed strategies and many individual funds of all asset classes. The above calculation was made with the fund “Franklin Global Growth Fund N (acc) EUR” (global blue chip growth equities) using the net method.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>Sustainability-related disclosures<\/h4><\/div>1. Summary<\/h5><\/div>Ecological or social features are advertised with this product, as sustainable investment options can be selected in the savings phase. In the pension phase, the protection assets of PrismaLife AG are also advertised with ecological and social features (link Sustainability-related disclosure on the security and special assets<\/a>). Detailed information on the ecological or social features of the selectable funds and on the protection assets can be accessed via the download links in the fund information.<\/p>\n<\/div>2. No sustainable investment objective<\/h5><\/div>This financial product advertises environmental or social features, but does not aim at sustainable investments.<\/p>\n<\/div>
3. Environmental or social characteristics of the financial product<\/h5><\/div>This product offers free fund investment during the accumulation phase. Our range of funds includes funds that aim for sustainable investments (EU SFDR Art. 9), funds that promote environmental or social features (EU SFDR Art. 8) and funds that do not pursue an explicit sustainability strategy. The current selection can be found in the document \u00abFund Information\u00bb.
\nIn the pension phase, the funds are invested in PrismaLife’s protection assets. The protection assets promote ecological or social features. Details on this can be found on our homepage in the sustainability-related disclosures on the protection and special assets of PrismaLife AG (Link<\/a>).
\nDetailed information on the environmental or social characteristics of the eligible funds can be found for funds pursuant to Art. 8 and 9 EU SFDR in the pre-contractual ESG information prepared by the respective capital management companies. For all other funds, you will find information on dealing with sustainability risks in the fund prospectuses. Both documents can be accessed via download links in the Fondsinformationen<\/a>.<\/p>\n<\/div>4. Investment strategy<\/h5><\/div>You are free to determine your investment strategy during the savings phase by choosing the funds that suit you from our range of funds. You can choose from investment funds that pursue sustainable investment strategies and those that do not include sustainability aspects in their investment strategy.
\nExamples of criteria that funds may include in their investment decision are the following topics:<\/p>\n
\n- Environmental: conservation of wildlife, protection of natural resources, the atmosphere and coastal waters, mitigation of land degradation and climate change, avoidance of encroachment on ecosystems and loss of biodiversity<\/li>\n
- Social: universal human rights, prohibition of child labour and forced labour, mandatory non-discrimination, health and safety at work, fair working conditions and adequate pay<\/li>\n
- Good corporate governance: corporate principles of the International Corporate Governance Network, anti-corruption principles<\/li>\n<\/ul>\n<\/div>
5. Allocation of investments<\/h5><\/div>The allocation of investments depends on your fund selection.<\/p>\n<\/div>
6. Monitoring of environmental or social characteristics<\/h5><\/div>We continuously monitor the quality of our fund range, including reviewing aspects of sustainability. For this purpose, we use external data providers (currently Morningstar and MSCI ESG Research).<\/p>\n<\/div>
7. Methods for environmental or social characteristics<\/h5><\/div>The information on the sustainability of the funds published by the capital management companies (KVGs) within the framework of the European ESG Template (EET) is checked for plausibility by our specialists. In the event of findings, we establish a dialogue with the responsible KVGs. In addition, we regularly compare the information from the EET with the assessments of external data providers and make all necessary information available to our clients.<\/p>\n<\/div>
8. Data sources and processing<\/h5><\/div>PrismaLife obtains data from recognised external data providers specialising in fund data and sustainability analyses (currently Morningstar and MSCI ESG Research). The fund data is integrated into our systems and can thus be made available to customers on a regularly updated basis.<\/p>\n<\/div>
9. Limitation regarding methods and data<\/h5><\/div>\ufeff<\/span>Due to the update intervals in our systems, it is possible that data may not correspond to the daily updated status. Daily updated data can be obtained via the Prisma FundFinder on our homepage.<\/p>\n<\/div>10. Due diligence obligations<\/h5><\/div>PrismaLife takes into account the most significant adverse effects of investment decisions on sustainability factors in the areas of the environment, social affairs and employment, respect for human rights and the fight against corruption and bribery in order to maintain due diligence in the investments of the security assets. Special consideration is given to greenhouse gas emissions in the area of the environment and to violations of UNGC principles and involvement in controversial weapons in the area of social affairs and employment. These topics are anchored in the defined exclusion criteria and are regularly monitored.
\nThis ensures that investments are not made in companies and\/or financial instruments with particularly high adverse impacts on sustainability factors. If an increase in adverse impacts is identified in existing investments, it is examined whether the affected positions can be reduced.<\/p>\n<\/div>
11. Participation policy<\/h5><\/div>PrismaLife currently does not hold any direct equity investments and can therefore not actively exercise any voting rights in the sense of an ESG commitment. In addition, in view of the comparatively small cover pool, PrismaLife has hardly any opportunities to influence ESG aspects by actively exercising voting rights.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>More products and information<\/h3>\n<\/div><\/div><\/div><\/div><\/div><\/div>Fund information<\/h4>\n
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.<\/p>\n
- \n
- The entire range of investment options: ETFs, equity funds, bond funds, money market funds, theme funds, environmental and sustainability funds, regional funds and asset-managing mixed funds.<\/span><\/li>\n
- Excellent investment funds from renowned fund companies<\/span><\/li>\n
- Optional value preservation concepts Managed for Life and Maturity Management<\/span><\/li>\n
- Exclusive reallocation management<\/span><\/li>\n
- Death cover of up to 200% of the premium sum<\/span><\/li>\n
- Additional option: premium waiver possible in the event of occupational disability<\/span><\/li>\n
- Additional payments or partial surrenders also possible during the duration<\/span><\/li>\n
- Selectable on maturity: lifelong annuity, single lump-sum payment, regular payments according to the payout plan or transfer of fund shares<\/span><\/li>\n
- Cross-Border-Option in case of relocation abroad<\/span><\/li>\n
- Available as a net rate from fee-only advisers or as a traditional gross rate<\/span><\/li>\n<\/ul>\n<\/div>
<\/div><\/div><\/div>Pension insurance with Prisma FlexInvest<\/h4><\/div>
A customer, 30 years old, pays a monthly premium of \u20ac200 until the age of 67. With an average performance of 4.5 % p.a. of the funds, the customer receives a possible maturity benefit of \u20ac253,348. If an average performance of 6.0 % p.a. is achieved, the client has a possible maturity benefit of \u20ac357,154.<\/p>\n
Alternatively, he can select from a flexible payout plan or a lifelong monthly pension.<\/p>\n
The customer can choose from numerous investment strategies from ETFs, portfolios of renowned asset managers, managed strategies and many individual funds of all asset classes. The above calculation was made with the fund “Franklin Global Growth Fund N (acc) EUR” (global blue chip growth equities) using the net method.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>Sustainability-related disclosures<\/h4><\/div>
1. Summary<\/h5><\/div>
Ecological or social features are advertised with this product, as sustainable investment options can be selected in the savings phase. In the pension phase, the protection assets of PrismaLife AG are also advertised with ecological and social features (link Sustainability-related disclosure on the security and special assets<\/a>). Detailed information on the ecological or social features of the selectable funds and on the protection assets can be accessed via the download links in the fund information.<\/p>\n<\/div>
2. No sustainable investment objective<\/h5><\/div>
This financial product advertises environmental or social features, but does not aim at sustainable investments.<\/p>\n<\/div>
3. Environmental or social characteristics of the financial product<\/h5><\/div>
This product offers free fund investment during the accumulation phase. Our range of funds includes funds that aim for sustainable investments (EU SFDR Art. 9), funds that promote environmental or social features (EU SFDR Art. 8) and funds that do not pursue an explicit sustainability strategy. The current selection can be found in the document \u00abFund Information\u00bb.
\nIn the pension phase, the funds are invested in PrismaLife’s protection assets. The protection assets promote ecological or social features. Details on this can be found on our homepage in the sustainability-related disclosures on the protection and special assets of PrismaLife AG (Link<\/a>).
\nDetailed information on the environmental or social characteristics of the eligible funds can be found for funds pursuant to Art. 8 and 9 EU SFDR in the pre-contractual ESG information prepared by the respective capital management companies. For all other funds, you will find information on dealing with sustainability risks in the fund prospectuses. Both documents can be accessed via download links in the Fondsinformationen<\/a>.<\/p>\n<\/div>4. Investment strategy<\/h5><\/div>
You are free to determine your investment strategy during the savings phase by choosing the funds that suit you from our range of funds. You can choose from investment funds that pursue sustainable investment strategies and those that do not include sustainability aspects in their investment strategy.
\nExamples of criteria that funds may include in their investment decision are the following topics:<\/p>\n- \n
- Environmental: conservation of wildlife, protection of natural resources, the atmosphere and coastal waters, mitigation of land degradation and climate change, avoidance of encroachment on ecosystems and loss of biodiversity<\/li>\n
- Social: universal human rights, prohibition of child labour and forced labour, mandatory non-discrimination, health and safety at work, fair working conditions and adequate pay<\/li>\n
- Good corporate governance: corporate principles of the International Corporate Governance Network, anti-corruption principles<\/li>\n<\/ul>\n<\/div>
5. Allocation of investments<\/h5><\/div>
The allocation of investments depends on your fund selection.<\/p>\n<\/div>
6. Monitoring of environmental or social characteristics<\/h5><\/div>
We continuously monitor the quality of our fund range, including reviewing aspects of sustainability. For this purpose, we use external data providers (currently Morningstar and MSCI ESG Research).<\/p>\n<\/div>
7. Methods for environmental or social characteristics<\/h5><\/div>
The information on the sustainability of the funds published by the capital management companies (KVGs) within the framework of the European ESG Template (EET) is checked for plausibility by our specialists. In the event of findings, we establish a dialogue with the responsible KVGs. In addition, we regularly compare the information from the EET with the assessments of external data providers and make all necessary information available to our clients.<\/p>\n<\/div>
8. Data sources and processing<\/h5><\/div>
PrismaLife obtains data from recognised external data providers specialising in fund data and sustainability analyses (currently Morningstar and MSCI ESG Research). The fund data is integrated into our systems and can thus be made available to customers on a regularly updated basis.<\/p>\n<\/div>
9. Limitation regarding methods and data<\/h5><\/div>
\ufeff<\/span>Due to the update intervals in our systems, it is possible that data may not correspond to the daily updated status. Daily updated data can be obtained via the Prisma FundFinder on our homepage.<\/p>\n<\/div>
10. Due diligence obligations<\/h5><\/div>
PrismaLife takes into account the most significant adverse effects of investment decisions on sustainability factors in the areas of the environment, social affairs and employment, respect for human rights and the fight against corruption and bribery in order to maintain due diligence in the investments of the security assets. Special consideration is given to greenhouse gas emissions in the area of the environment and to violations of UNGC principles and involvement in controversial weapons in the area of social affairs and employment. These topics are anchored in the defined exclusion criteria and are regularly monitored.
\nThis ensures that investments are not made in companies and\/or financial instruments with particularly high adverse impacts on sustainability factors. If an increase in adverse impacts is identified in existing investments, it is examined whether the affected positions can be reduced.<\/p>\n<\/div>11. Participation policy<\/h5><\/div>
PrismaLife currently does not hold any direct equity investments and can therefore not actively exercise any voting rights in the sense of an ESG commitment. In addition, in view of the comparatively small cover pool, PrismaLife has hardly any opportunities to influence ESG aspects by actively exercising voting rights.<\/p>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>More products and information<\/h3>\n<\/div>
<\/div><\/div><\/div><\/div><\/div>Fund information<\/h4>\n
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.<\/p>\n
- Excellent investment funds from renowned fund companies<\/span><\/li>\n
![\"\"](\"https:\/\/www.prismalife.com\/wp-content\/uploads\/2019\/04\/arrow_link@2x.png\"){kind=icon}