Life insurance

Public pensions alone will not secure living standards for future retirees in Germany. That is why life insurance plays a central role in Germany’s retirement system: it combines long-term savings with protection against life’s major risks. By providing reliable income and financial security for millions of people, insurers contribute to the long-term financial security of households. On this page you will find insights on the industry’s contribution to retirement provision, the need for reform and the path toward a sustainable system.