Change service for your life insurance

Now without lots of paperwork and confusion regarding costs, but with perspectives: transparent and flexible

  • Have you ended up in a run-off yet?
  • Or does someone want to cancel your agreement?
  • Do you wonder about your low returns?
  • Du you actually know your surrender value?
  • Versicherungsbote, 11.10.2018 “One in three life insurance companies is investigating run-off”
  • Schlaglicht, 06.07.2018 “Generali Leben has been sold: Break-through for the entire run-off market”
  • Have you ended up in a run-off yet?
  • Or does someone want to cancel your agreement?
  • Do you wonder about your low returns?
  • Du you actually know your surrender value?

These issues occupy the minds of millions of people and that is why we re-thought life insurance.

Register now free of charge

Well-known from:

We do it better

No acqusition fees, no confusion regarding costs. You pay us 1% - 2.1% p.a. on deposited amounts. That’s it.

Put your insurer to the test. We’ll help you do it.

Are you really getting the best offer?

Most insurance companies invest either where there are the highest commissions or where they generate additional income. This is neither transparent nor best for you.

Is your insurance truly profitable?

The interest guarantees are now so low that the promised interest cannot even cover the costs. Thus, this no longer makes any sense at all for long-term provision.

Does your insurer belong to a run-off company?

Run-off companies only try to optimize themselves and the profit of the investors is in the foreground. There is no such thing as service and transparent customer orientation.

Does your insurer reveal all the costs in a transparent manner?

We focus on the best offer for you with a transparent cost structure.

Wake up!

Move out of your comfort zone

Do you know your surrender value?
Do you know how much the amounts have deposited are worth now?

If not, we’ll achieve transparency for your
Free of charge - and here’s how easy it is:
  • 1

    You fill in a form with your personal details

    Please have your policy number and insurer’s number at hand
  • 2

    You then simply provide your digital signature

    By doing so, you grant us a power-of-attorney so that we can make enquiries to your insurer
  • 3

    You then register for our app

    That will give you a personal account with us
  • 4

    We will send you information about the surrender value

    Now you know how much the money you have deposited is acutally worth
  •  
  • 5

    Now you can approve a change

    We credit the money to your account for you

What does your personal situation look like?

Test your desired retirement:

I am years old, will start retirement at 67 years of age and would like to receive approximately € a month. I therefore need to invest 99 € a month.
Note: It is stipulated by law that surviving dependents receive the balance plus 10% or more in case of death.

Life insurance re-thought

You enjoy the advantages of classic life insurance and a modern investment.

Transparent and more economical

You pay us 5€ per month if the sum of the deposits and withdrawals in the previous term of the contract are less than 10,000€ and 1% of the existing fund assets.

Transparent and more economical

You pay us 5€ per month if the sum of the deposits and withdrawals in the previous term of the contract are less than 10,000€ and 1% of the existing fund assets.

More flexible

You decide when and how much you would like to deposit or withdraw. Or when you’d like to pause payments. Or even exit free of charge. That’s wouldn’t be clever, though.

More flexible

You decide when and how much you would like to deposit or withdraw. Or when you’d like to pause payments. Or even exit free of charge. That’s wouldn’t be clever, though.

Projectable and secure

You will receive consistent payments for the rest of your life once you enter retirement. Guaranteed.

Projectable and secure

You will receive consistent payments for the rest of your life once you enter retirement. Guaranteed.

Simply clever

On top of that, you will enjoy tax benefits because you don’t have to pay tax until the end of the term and at a lower tax rate. That is called the compound interest effect.

Simply clever

On top of that, you will enjoy tax benefits because you don’t have to pay tax until the end of the term and at a lower tax rate. That is called the compound interest effect.

Cost comparison

Register now free of charge

This is how easy it works

  • 1

    Register using your personal data

    Please have your personal identification document and tax number at hand. We require them to exclude users from the USA. Sorry, guys!
  • 2

    Take the individual risk test

  • 3

    Select your individual risk category:
    3, 4 or 5.Now transfer at least 100 EUR!

  • 4

    What does risk category mean?

    Please have your personal identification document and tax number at hand. We require them to exclude users from the USA. Sorry, guys!

PROSPERITY SECURITY

Risk category 3

PROSPERITY BALANCED

Risk category 4

PROSPERITY RETURNS

Risk category 5
*Risk categories range from 1 (very safe) to 7 (very risky)

What our clients say

Bettina S. from Kempten

The flexibility wins me over!

“I can decide at any time when and how much I’d like to deposit or withdraw. That gives me a great feeling!”
Hannes F. from Berlin

Finally everything under control

“Retirement planning used to get on my nerves. Thanks to prosperity, I now have everything under control.”
Martina K. from Hamburg

Fair consultation

“I can always reach somebody when I have questions. And nothing is sold to me. Instead, I receive fair and competent consultation.“

Steffen M. from Osnabrück

More economical than the competiton

“I made the effort and compared the costs to other competitors: The overall costs of 1% p.a. on deposited amounts are really most economical here.“

What do experts say?

Christoph Boeckle

prosperity finance expert

“An average earner, with perhaps 1,800 EUR a month of net disposable income, will receive an average of 600 EUR as retirement payment. That means that, despite the fact that costs rise as we get older due to illness, medical treatment and nursing care, you’ll have less at your disposal. Even those whose retirement approval statements say that they will receive more, will experience an unpleasant surprise, since most people don’t take inflation into consideration. Those who are satisfied today that a retirement approval statement for – let’s say – 1,200 EUR will be sufficient for the future, may not be able to live on that amount under normal circumstances in 20 to 30 years’ time.“

What questions do you have?

Dennis Lehmann

Manager Customer Care

You can reach me Mondays to Fridays from 8:00 AM to 8:00 PM on 030/120 87 87 20 and I’ll be happy to answer your questions.