Private Pension
- Close your pension gap
- Flexible payout options
- Adjust contributions anytime
- Make use of potential tax benefits
- All in one easy app
- 150+ tariffs compared for you
- Advisory rated 4.8 out of 5 stars
- Support in the app around the clock
Description
Your state pension? It often covers less than half of your last net salary. A private pension closes the gap to the state pension and is thus the basis for financial security and freedom in your retirement.
You start with an amount that suits your life and can adjust it flexibly at any time. Your money flows into solid funds, and the payout is extremely flexible, so that you can often retire from the age of 62 with some tariffs. Benefit additionally from possible tax advantages.
Our experts compare over 150 offers and explain to you in a short call which solution really makes sense for you. Book your free consultation now and get your pension on track today.
Reviews
Planning early retirement
You’re eyeing the exit a little earlier: more freedom, fewer status meetings. Sounds good, but the numbers need to line up. Between leaving work and the state pension, health cover and steady income must be sorted. Better to tidy it now than pay for surprises later.
Essential cover
for this moment
When a job change is coming up
New job, new people, new passwords. The fresh start feels good—and brings a few question marks: probation, contracts, benefits. Sort the essentials now so you can focus on landing smoothly.
Essential cover
for this moment
When retirement draws near
The closer retirement gets, the louder the numbers, dates, and decisions feel. You just want to know what comes in each month and that health and paperwork are under control. Here are the building blocks that make the transition calmer.
Essential cover
for this moment
When you switch to part-time
Part-time sounds like more time for you—and a little less for your paycheck. You’re reshuffling, easing toward retirement, and want to avoid expensive surprises. Here are the few protections that actually matter now, without stealing your evening.
Essential cover
for this moment
When your pension payments start
Money hits your account each month—just without the payslip. Relaxing, yes, but it also means reshuffling your budget, keeping an eye on health costs, and dealing with forms. We’ll keep it simple so you can get on with life.
Essential cover
for this moment
Working in Germany, retiring abroad
You earn your money in Germany but see your retirement by the sea or in the mountains. Great plan—just remember admin and protection move with you. Tackle a few things now and your later move gets smoother, with fewer costly surprises.
Essential cover
for this moment
Private Pension coverage
When pension benefits apply
Who and what is protected
What we cover and support
Not covered
Guaranteed returns
No guaranteed investment return is provided. Fund performance can go up or down, so your payout can be lower than expected.
Disability income
Income if you cannot work due to disability is not included in this plan. For that risk you need a separate occupational disability insurance policy.
Long term care costs
Nursing or care home costs are not covered by this pension plan. These expenses are handled by separate long term care insurance, which we can arrange if needed.
Documents
Who can take out a private pension with Getsafe?
Most adults living in Germany can take out a private pension. Employed, self-employed or freelance, we find a tariff that fits your goals and budget. Some providers have minimum age and contribution requirements. Book a free consultation and we will review your options together with you.
Is there a waiting period before my money is invested?
No classic waiting period. Your contributions start investing right away. Payout can begin at the age set in your plan, often from 62, sometimes from 55 depending on the tariff. You can change contributions along the way if life happens.
What does my private pension include?
Your private pension builds your capital through funds. You decide later whether you want a lifelong pension, a lump sum payment or a mixture of both. Your contributions are flexibly adjustable. Depending on the tariff and your personal situation, tax advantages may be available, and the payout usually works even if you move abroad. We clarify all exact details based on your specific tariff.
How do I start my payout when I retire?
Tell us your target date 3 to 6 months in advance. We coordinate with the provider, confirm your payout option and bank details, and handle the paperwork in the app. You get a clear plan of dates, amounts, and any taxes due. Simple and calm, no scavenger hunt required.
What happens if I die before retirement?
Most tariffs include death benefit cover so your saved capital goes to your survivors. They report the claim with proof of identity and death certificate, we guide them through the steps and speak with the provider. If you would like to adjust your beneficiaries, please contact us via the app.
Can't I just invest in ETFs instead?
ETFs are great for growth. A private pension brings the structure that many people want for retirement. You get optional lifelong payments, possible tax advantages and clear rules for beneficiaries in one place. You can still use funds within the pension. In a short consultation we can gladly go through the various options incl. ETFs together with you.
One App. All your Insurance.
Easily manage all your insurance policies in a single app. From clear overviews of your coverage to instant claim submissions, we put you in control of your insurance so you can get back to what matters.
24/7 claims service
Got questions or want to file a claim? We’re there for you right in the app to give you help right at your fingertips.
100% in English, 100% digital
Tired of insurance in German? No problem. We're 100% digital and fully available in English, from the app to your policy. Manage everything you need, hassle free.
Safepoints™ Earn. Save. Repeat.
Our Safepoints™ feature helps you actively save on your premium. You earn points by making safe choices, like completing quizzes, and for maintaining a liability-claim-free record. It's a simple way to get rewarded for being a responsible policyholder.
Get help your way
We believe getting help should be easy. Choose between our intelligent AI, a human expert, or a professional consultant to guide you through your insurance questions and needs, all on your terms.
Best Price. Best Product.
We offer you the perfect blend of great prices and a top-tier product. It's the ideal combination of high quality and affordability, designed to give you the most value for your money.
Long term but flexible
With our long term yet flexible policies you get the best of both worlds. We offer great prices and comprehensive coverage you can count on for the long run while giving you the freedom to easily make changes or cancel anytime all within the app.
Have questions?
Let’s figure it out together.
Chat with an expert who speaks your language – not insurance jargon. For free and unobligatory.
Recommended by those who inspire
