Private pension

Key features of private pension plans

Flexible contributions

You decide how much and how often to save, making it easy to fit your pension plan into your life.

Tailored payouts

Choose when and how you receive your pension, giving you freedom and control over your retirement.

Growth and tax benefits

Take advantage of tax incentives and the potential for your savings to grow, helping you build a more secure future.

Peace of mind for you retirement

Rest easy knowing you’re creating a solid financial cushion for the future.

Why choose a private pension plan in Germany?

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More flexibility

With a private pension plan, you decide how much you contribute, how long you pay in, and how you receive your money later on. That flexibility is especially valuable in Germany, where the state pension alone often isn't enough to maintain your lifestyle.

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Long-term financial security

Private pension plans are designed for the long term. They allow you to build retirement savings steadily over time and plan ahead with more certainty.

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Options for capital payout or lifelong income

Many private pension plans let you choose how you receive your money in retirement: whether as a monthly pension, a lump sum, or a combination of both. That choice can make a big difference for your personal plans later in life.

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Less dependence on the state system

Germany's state pension is strongly affected by an aging population and fewer people paying into the system. A private pension plan gives you more independence from these demographic shifts and reduces your reliance on these changes.

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What people say about us

Today I had discussion with Bianca Lukas from MW Expat Solutions, It was amazing support and convincing discussion for the solutions and services of different Insurances offered in Germany. Thank you!

Atanas SpasovHR Manager

Very helpful, show you all the options, and not pushing towards one particular solution - just finding what works for you and your family. Excellent - Adriana was very very helpful and helped us navigate the confusing options in Germany - thank you!!

Mark De CristoOffice Manager

Started by reaching out for a consultation as my previous health insurance was coming to a close and I desperately needed to find a German plan. I worked with Dabar Reimer who went above and beyond in the process of assisting me. She helped guide me to a plan that worked for me.

Aurelia LeopoldHR Manager

See how much more you could have for retirement in Germany

Great advantages, but lots of details. We’ll guide you through what really matters.