Pension Insurance+

A convenient way of saving money in the 3rd pillar pension

  • A partial guarantee applies to contributions.
  • You may get a tax rebate on your contributions.*
  • You enjoy flexibility in regard to payments into and withdrawals from the pension.
  • The risk level of investments decreases automatically depending on the time remaining until the end of the savings period.

*Income tax will be refunded from third pillar pension contributions that are up to 15% of your gross income but not more than 6,000 euros per calendar year. Income tax from the contributions will be refunded to you if you submit an income tax return. You will only be able to gain a refund on third pillar pension payments if you have concluded the respective transactions yourself.

What should I know before entering into a Pension Insurance+ contract?


Pension Insurance+ is an additional savings insurance contract with an investment risk. To assess whether Pension Insurance+ would suit you, fill in our suitability questionnaire.

Fill in questionnaire

We recommend making regular contributions. Investing regularly gives you the opportunity to buy fund units when the markets are up or down, which generally gives you a better average purchase price than one-off investments.

Investments structure

  • Pension Insurance+ contributions are invested in equity and bond funds.
  • The proportion of investments with an equity risk decreases depending on the amount of time remaining until the contract expires. More detailed overview of investment structure
  • The value of investments may fluctuate greatly over shorter periods.

Pension Insurance+ is suitable for you if:

  • you aim to save money over a longer period (at least five years);
  • you are prepared to take greater risks during the savings period in order to achieve a higher yield and accept fluctuations in the value of the amount you have saved;
  • you take into account that the guarantee no longer applies if you terminate the contract ahead of time or partly withdraw money.

Pension+ calculator

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Useful links

Investment Helpline