Unit-linked insurance from Alte Leipziger
Alte Leipziger is one of the ten largest life insurers in Germany. It offers savers net policies, where you as the policyholder can have a say in many things. For example, you have the opportunity to decide for yourself whether and when your contributions should increase regularly or in which funds you should invest. You can also suspend your premium payments from time to time.
Alte Leipziger has various funds on offer. As the policyholder, you can choose between broadly diversified equity funds, bond funds, ETFs, sustainable funds and mixed funds. In addition, you can also opt for entire ready-made portfolios. You can easily check for yourself whether your preferred investment fund suits your investment. The Alte Leipziger classifies the funds available for savers into five risk classes, ranging from “security” to “opportunity”.
Which funds does Alte Leipziger offer? For example, you can choose the popular DWS Concept Kaldemorgen (ISIN LU1268496996/WKN DWSK46) for your retirement provision. Alte Leipziger offers index funds including Lyxor ETF, Xtrackers ETF and iShares ETF. A small drawback: ETFs that replicate the global MSCI World Index or the MSCI All Country World Index (ACWI) cannot be selected for all tariffs. Such market-wide ETFs are particularly suitable for long-term asset accumulation and should, in our opinion, be purchasable as part of every fund policy.
Optionally, you can book an occupational disability insurance or protection for your surviving dependents with the unit-linked pension insurance from Alte Leipziger. As with all insurances, you should make sure that extra requests are not free per se.
Savers who want to have a say in decisions flexibly choose the “Modern flexible basic pension (AR75)” tariff. If you want to take out your unit-linked pension insurance as part of a Riester pension, you should take a look at the “unit-linked Riester pension (FR50)”. Investors for whom a guaranteed contribution is important should choose the “unit-linked basic pension with guaranteed contribution” tariff at Alte Leipziger.