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Unit-linked life insurance

My Future - FlexInvest

Long-term investment of your capital
Attractive potential returns through funds you select yourself
Profits are generally 100% exempt from capital gains tax
Your Benefits

Advantages of FlexInvest unit-linked life insurance

Self-determination of your capital investment

You decide individually which funds with which risk category to invest in.

Capital market return opportunities

Choose between equity, bond and mixed funds, individual funds and fund of funds.

Complete flexibility tailored to your needs

Pay additional capital, suspend premiums and withdraw capital in the event of financial difficulties

Low taxation

Your profit is generally exempt from capital gains tax. You only pay an insurance tax of 4%.

Bonus child provision

With My Future - FlexInvest Junior, you can provide for your child, godchild or grandchild.

Integrated protection for your family

Choose life insurance and protect your family
Mann und Kinder sitzen auf der Couch

Who is My Future – FlexInvest suitable for?

People who start planning for their financial future early on and wish to build up their assets over a period of at least 15 years
People who are more risk-tolerant and seek higher potential returns by investing in funds comprising shares and bonds
People who want to decide for themselves which funds and risk categories their money is invested in
People who want to bridge the gap in their pension provision and make arrangements for their retirement
Individuals and families who wish to provide financial security for their surviving dependants in the event of their death
Familie sitzt auf Couch und schaut in ein E-Gerät

How My Future – FlexInvest works

1. Accumulation phase:

Yo build up your capital through monthly contributions. You can work with us to tailor the contribution amount and the duration of the accumulation phase to suit your needs.

During the accumulation phase, you benefit from potential returns on investments in investment funds of your own choosing. For complete flexibility, you can make additional payments, suspend contributions or withdraw capital.

2. Payout phase:

You can withdraw your capital – whether as a monthly pension, a lump sum or a combination of both.

Throughout the payout phase, you benefit from the interest and security of the Allianz Lebensversicherung cover pool.
Vater mit zwei Kindern beim Esstisch

Which funds are the investments made in?

With Meine Zukunft FlexInvest, you invest in funds of your choice from our range. You can choose between equity, bond and mixed funds, as well as single funds and fund of funds. You can change the composition of your fund portfolio during the savings phase. With our four risk categories, we also tailor your funds to your desired risk profile. You participate directly in the performance of the selected funds and therefore bear the investment risk.
To the fund selection

How much does unit-linked life insurance cost?

Arzthelferin mit älterer Dame

Case study 1

Maria Muster is 42 years old and works 30 hours a week as a medical assistant. She would like to invest her monthly savings in a dynamic unit-linked life insurance policy to stand a chance of achieving high returns. She has set a savings period of 20 years. It is also important to Ms Muster that the unit-linked life insurance policy is combined with a term life insurance policy.

Monthly premium for Meine Zukunft – FlexInvest: €104.16
Policy value: €41,733, assuming an annual return of 6%
Dreiköpfige Familie lacht

Case study 2

Mario Muster (aged 32) is a teacher at a secondary school. His retirement provision is very important to him. He therefore decides to take out a unit-linked life insurance policy and opts for a savings period of 33 years.

Monthly premium for Meine Zukunft – FlexInvest: €75.67
Contract value: €78,830, assuming an annual return of 6%
EasyInvest

You want to leave the choice of funds in the hands of experts?

My future - EasyInvest

Then you should opt for the unit-linked life insurance policy My Future – EasyInvest. With this policy, you invest your money in the Allianz Invest Portfolio Blue investment fund. The composition of equities and bonds is actively managed by investment experts in line with the market situation.
Go to my future - EasyInvest
Good to know

Frequently asked questions about my future - FlexInvest

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