Image Not Found Deutsch
Details Add-on Modules Costs Services Benefits When It Pays

What is a Rürup pension?

A Rürup pension or basic pension is a tax-privileged form of private retirement provision. Allianz's Rürup pension products are called basic pensions. Each of these Rürup pensions combine a lifelong pension with attractive tax benefits during the savings phase. This allows you to build up a secure retirement plan. Build up your retirement savings with tax incentives. Allianz's Rürup pensions are the right choice for you if you are self-employed, freelance, or a high earner.

✕
Tax Treatment of Premium Refund

An additional premium must be paid for the premium refund policy. This additional premium is not eligible for the special expense deduction for Basic Pension contributions. However, it can be deducted as other pension expenses.

Allianz's Rürup pensions

Basic Immediate Pension

Immediate pension start after payment of the single premium

Basic Immediate Pension

Basic Pension

Lifelong, tax-advantaged retirement provision

BasisRente StartUp

Reduced initial contributions and full occupational disability protection

BasisRente StartUp

Allianz Rürup pension benefits

  • Tax reduction: Your Rürup pension contributions are tax-deductible during the savings phase. As a single taxpayer, you can claim up to 100 percent of €29,344 as a special expense in 2025. For spouses or registered life partners filing jointly, you can claim up to 100 percent of the maximum amount of €58,688. Learn more about the individual tax advantages of a Rürup pension by reading our Basic pension calculator.
  • Survivorship benefits: In the event of your death, your accrued pension benefits are not lost if you agree that your eligible survivors will receive a pension from the pension contributions paid. Eligible survivors are your spouse or registered partner, or children entitled to child benefit. About the premium refund policy You can even insure any person with a one-off capital payment in the event of your death.
  • Individual provision: You can tailor your provision individually – with Allianz Pension plans from Choose ETFs and managed funds from the quality-tested Allianz TopFonds universe and also take advantage of tax incentives.