Care Plan for the Future with simply Carefree
the three pension pillars
State pension
(Securing livelihood)
Old-age and survivors' insurance
Disability insurance
Supplementary benefits
Occupational pension
(Maintaining standard of living)
(Mandatory) occupational pension
(Mandatory) accident insurance
Private provision
(Additional needs)
Tied-in provision Tax-deductible, ideal for long-term asset accumulation with guaranteed protection.
Unrestricted provision Greatest flexibility – premium breaks, partial withdrawals and emigration options without losing your provision.
In certain cases, risk protection can be increased without the need for a comprehensive health check.
Financial planning products & financial planning
Retirement planning and wealth building
- Combination of insurance coverage and investment opportunities for growth.
Insurance coverage for unexpected events
- Protection against occupational disability due to illness or accident, long-term care dependency, or death.
Flexibility and adaptability
- Premium breaks, partial withdrawals, and adjustment of risk protection without comprehensive health examination.
Risk protection with investment opportunities
Our risk insurance policies can be individually tailored to your life situation and often cover multiple risks. At the same time, you benefit from the value performance of your premiums through classic or fund-linked investment elements.
Life insurance
Lifelong protection for your beneficiaries.
Covers death and disability.
Financial support for long-term care needs.
Our experts will explain to you in a consultation which product best suits your situation.
Tax advantages and financial efficiency
Are tax-deductible in the tax return.
Can be income tax-free under certain conditions.
Protection, provision and tax advantages in one – for efficient financial planning all around.
Specialized solutions for specific needs
Vested benefits accounts
Flexible management in case of career changes or emigration.
Guaranteed annuities
Lifelong annuity payments for maximum security.
Return-oriented Products
We're here to help video consultation
Personal, digital, flexible: our video consultation answers your questions.
Frequently asked questions
1. What are retirement provision and asset accumulation insurance products for?
They offer risk protection and simultaneously enable asset growth.
2. Which risks do these products cover?
Disability, long-term care needs, death and partially guaranteed annuity payments.
3. How flexible are the products?
Premium breaks, partial withdrawals, switching between Pillar 3a/3b and risk protection adjustments are possible.
4. What investment opportunities are there?
Funds, ETFs, index participations with varying guarantees and profit participation.
5. What tax advantages do they offer?
Deductibility of Pillar 3a contributions and possible tax exemption of 3b payouts.
6. How do these products differ from mere savings solutions?
Combination of investment opportunities and insurance coverage, more stability than stocks, higher return opportunities than bank accounts.
7. Are there specialized solutions?
Yes – vested benefits accounts, guaranteed annuities or return-oriented products for various needs.
8. How do I find the right product?
Define your goals, assess risk and costs, and seek personal advice.
VAG simply 