Think about tomorrow, today.

Whether it's retirement planning, disability insurance, or protecting your family – we help you make the right long-term decisions.

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Insurance Solutions for Your Future

Private Pension Provision

secures your financial freedom in retirement – independent of the statutory pension. It helps you maintain your standard of living in old age and ensures you can enjoy your future worry-free. Whether – you decide how you want to save. With flexible contributions and attractive return opportunities, your provision adapts to your life. We help you find the optimal solution for your private pension provision – .
Private pension insurance offers you a lifelong pension and individual customization options.
Riester Pension – state-subsidized, especially attractive for families and employees..
Individual Customization – flexible contributions, terms, and payout options.
Fund and ETF Savings Plans – flexible investment with opportunities for higher returns.
Lifelong Pension or Capital Payout – you decide how you receive your money in retirement.
ensures that you remain financially independent in retirement and can maintain your accustomed standard of living. It supplements the statutory pension and creates security for your future. With , you can customize your provision – whether through classic pension insurance, fund-linked models, or state-subsidized options like the . Thanks to and potential , you benefit twice over. You decide whether you want a or a in old age. We help you find the optimal solution for your private pension provision –

The Company Pension Scheme (bAV)

The company pension scheme (bAV) is a clever way to save for retirement through your employer. A portion of your salary is paid directly into your pension – often with an employer contribution. This way, you benefit from tax and social security savings, build up an additional pension, and secure financial independence in retirement. The bAV is flexible, transparent, and can be optimally adapted to your life situation. We help you find the right solution – so you can think about tomorrow today.
Employer Contribution – many employers contribute to the payments.
Tax and Social Security Savings – contributions are paid from gross salary.
Simple Retirement Planning through Your Employer Contributions are automatically deducted from your salary
No personal effort (no active saving required)
Additional Retirement Pension – building a secure financial foundation for retirement.
Portability when changing jobs – entitlements can often be transferred.
The company pension scheme (bAV) is a smart and simple way to save for retirement through your employer. A portion of your salary is paid directly into your pension – tax-advantaged and exempt from social security contributions, and often with an attractive employer contribution. This way, you gradually build up an additional pension that provides financial security in retirement. Whether through direct insurance, a pension fund, or a support fund – the bAV can be flexibly adapted to your personal life situation. Even if you change jobs, you can often take your entitlements with you. We help you find the optimal solution – simple, transparent, and future-proof.

Occupational Disability Insurance

The protects your income if you can no longer work in your profession due to illness or accident. It pays you a , so you remain financially secure and can maintain your standard of living. Since state support is often insufficient, disability insurance is one of the most important private coverages available. We help you find the right coverage – .
– secures your income in case of disability.
– amount of the annuity and contract design according to your needs.
Flexible Start – early conclusion possible with affordable premiums.
– you are covered regardless of your location.
– adjustment of benefits when your life situation changes.
The protects you from the financial consequences if you can no longer practice your profession due to illness or accident. It pays you a , with which you can maintain your standard of living and continue to cover ongoing expenses. You decide on the – entirely according to your individual needs. The coverage applies and regardless of whether the disability was caused by illness or accident. Thanks to the , you can flexibly adjust your protection in case of life changes. We help you find the right disability insurance – for your financial security and a carefree life.

Term Life Insurance

Term life insurance is important to financially protect your family or close relatives in case something happens to you. In the event of death, it ensures that your loved ones are not left alone with financial burdens such as loans or ongoing expenses. This way, you protect those you care about most.
Financial Security for the Family – in the event of death, your dependents receive an agreed sum.
Customizable Sum Insured – flexibly adaptable to your personal life situation.
Affordable Premiums – especially when taken out early.
– protects your family from financial obligations, e.g., for real estate financing.
Flexible Use of Payout – the benefit can be used for all important expenses.
Term life insurance ensures that your family is financially secure in an emergency. In the event of death, an agreed sum is paid out, which can be used freely – for example, to pay off loans or secure living expenses. You can individually adjust the sum insured, benefit from affordable premiums, and thus protect the people who are most important to you.

Accident Insurance

The accident insurance protects you financially if you are injured in an accident. Depending on the severity of the injury, it pays a lump sum or a monthly annuity – regardless of whether the accident occurs during leisure time, at home, or on vacation. This way, you remain financially secure even in difficult times. We help you find the right coverage.
Financial Security – payment of a monetary benefit in case of permanent disability.
Worldwide Accident Protection – 24/7, whether at work, during leisure time, or on vacation.
Accident Annuity – regular payments for severe health consequences.
Cost coverage – support for rehabilitation, home modifications, or assistive devices after an accident.
Customizable benefits – flexible plans that suit your lifestyle and risk.
The accident insurance offers you financial security if an accident suddenly changes your life. It provides a lump sum payment for permanent disability or a monthly pension for severe consequences. Whether at work, during leisure, or on holiday – you are protected worldwide, 24/7. Additionally, it covers costs for rehabilitation, necessary home modifications, or assistive devices and can be individually tailored to your needs. This ensures you are optimally covered after an accident – and we'll help you find the right protection.

Critical Illness Cover

The protects you financially if you become seriously ill – for example, with cancer, a heart attack, or a stroke. In such an event, you receive a one-time payment that you can use freely – for treatment costs, loss of income, or to support your family. This way, you can fully concentrate on your recovery. We help you find the right coverage.
– you receive an agreed amount immediately upon diagnosis of a covered illness.
– for medical treatments, income replacement, or personal expenses.
– coverage for serious illnesses such as cancer, heart attack, or stroke.
Quick financial assistance – no lengthy proof of claim needed, unlike with occupational disability insurance.
– choose your sum insured and benefits according to your needs.
The offers you financial security if you receive a serious diagnosis like cancer, a heart attack, or a stroke. In such an event, you'll receive a one-time lump sum payment that you can use freely – for treatments, to cover lost income, or simply to relieve financial worries during this difficult time. The payout is fast and straightforward, without lengthy documentation. You can customize the sum insured and benefits to your individual needs. This ensures you remain in control and can fully focus on your recovery – we'll help you find the right coverage.

Any questions? Talk to our experts now.

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4 Reasons to choose Klugversichert

01

Dedicated Contact Person

You get a dedicated contact person with us. No call center, no waiting.
02

Independent & Honest

We work independently and honestly tell you what makes sense.
03

Clear and simple

We speak plainly – no jargon, just genuine understanding.
04

Always by your side

Once your policy is active, we'll be there for any questions and in case of a claim.
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Customer Feedback

Our customers particularly value our clear advice, genuine support, and the reassuring feeling of being understood.
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Finally understood everything – in English.
"I had no idea about the German insurance system – and was completely overwhelmed. Klugversichert explained everything to me step-by-step, in English, patiently and clearly. Now I finally feel secure and well-covered – without language barriers."
– René S., Expat
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Fully there for me in an emergency.
"After an operation, I didn't know how to handle all the insurance matters – but Klugversichert took care of everything. I just had to send the invoices, the rest was easy. That's what real support feels like!"
– Manoj D., Expat
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Tailored insurance package for my business.
"I run a small business – and Klugversichert put together a perfectly tailored insurance package for me. Everything was simple, fast, and personal. Highly recommended!"
– Lukas U., Entrepreneur

Frequently Asked Questions

Which insurances are truly important?

The most important components are:
‍
– financially protects your family in case of death
– secures your income if you can no longer work
– ensures financial security in retirement
– provides benefits for permanent consequences of accidents
– pays out upon diagnosis of serious illnesses.

Why is occupational disability so crucial?

The greatest financial risk is not death, but loss of income. If you can no longer perform your job, your income ceases. Ongoing costs remain, and state benefits are often insufficient. That's why is one of the most important forms of protection available.

3. Do I really need term life insurance?

It is particularly important if others are financially dependent on you:
- Partner
- Children
- Mortgage
ensures that your family is financially secure in an emergency.

4. Will the state pension be enough later?

In most cases: . State pension often only covers a portion of your last income. That's why additional provisions are important, for example through:
- Private savings plans
- Funds/ETFs
- Traditional pension solutions
Good ensures you can maintain your standard of living in old age.

5. Accident or critical illness – which is more important?

Both cover different risks:
- : pays out for permanent damage due to accidents
- : pays out for diagnoses like cancer, heart attack, etc.
Important to know: Most health problems arise , but from illnesses.

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Are you unsure which insurance is right for you?

Our experienced team will advise you personally and find the right solution together with you.
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