The companies of the HDI-Gerling Life-Group

• HDI-Gerling Lebensversicherung AG
• HDI-Gerling Pensionsmanagement
• HDI-Gerling Pensionskasse AG
• HDI-Gerling Pensionsfonds AG
• ASPECTA Lebensversicherung AG

HDI-Gerling Lebensversicherung AG

HDI-Gerling stands for comprehensive insurance and provision solutions, well tuned to the needs fo private clients and the requirements of company pension schemes. What makes us distinct are efficient, future-oriented product concepts with a good price/performance ratio as well as excellent service. HDI-Gerling Lebensversicherung AG combines the experience, expertise and good market positioning of two powerful, well reputed brands. We offer a wide range of products – from classical life insurance to innovative pension plan solutions for private and corporate clients.

Against the backdrop of the increasingly complex world of pensions, in which statutory schemes play a diminishing role, private and corporate pension provision needs to be strengthened. HDI-Gerling Life offers pension solutions which are finely tuned to meet personal needs and thus make it possible to ensure comprehensive, efficient provision. Options range from basic pensions through Riester and company pension schemes to classical or unit-linked annuity insurance solutions and are flanked by the required term and occupational disability insurance.

HDI-Gerling Pensionsmanagement – Competence centre for company pension schemes

HDI-Gerling Pensionsmanagement AG (formed in mid-June 2007 from the pension management companies of HDI and Gerling) offers years of experience and consulting expertise in all aspects of company pension schemes, e.g. organization of benefit schemes, restructuring of existing pension funds, outsourcing of pension obligations and introduction of working time accounts.

In the interest of efficient all-round provision for the client, HDI-Gerling Pensionsmanagement takes charge of all administrative and support services for benefit systems, including support funds, direct commitment schemes, occupational pension funds and working time account models. This is an interesting option for companies that wish to outsource responsibility for the expensive technical and personnel adjustments needed to meet the constantly changing requirements of employment, tax and pension law.

HDI-Gerling Pensionsmanagement's professional expertise in the German market and its knowledge of international benefit systems also stands it in good stead for advising companies with global operations. HDI-Gerling Pensionsmanagement is the German partner of the International Benefits Network (IBN) and the Aegon Pension Network (APN). Where required, the company pension scheme experts employ their own pooling instrument "FLEX Net".

HDI-Gerling Pensionskasse AG

With an insurance portfolio valued at around € 3.5 billion, HDI-Gerling Pensionskasse AG is the HDI-Gerling Life Group's specialist for company pension scheme solutions. As a multi company pension trust, it offers companies and their employees deferred annuity policies both in the form of contribution-oriented defined benefit plans and in the form of defined contribution plans with minimum guaranteed benefit – the latter also as a unit-linked variant. The company pension scheme range is rounded off by supplementary and stand-alone occupational disability insurance policies.

HDI-Gerling Pensionsfonds AG

HDI-Gerling Pensionsfonds AG was formed from "Gerling Pensionsfonds für die Wirtschaft AG", established in 2005, and is entrusted with the realization of company pension schemes based on a multi-company pension fund in Germany. HDI-Gerling Pensionsfonds offers companies and their employees a choice of pension plans in the form of defined contribution plans with minimum guaranteed benefit or defined benefit plans.

ASPECTA Lebensversicherung AG

ASPECTA Lebensversicherung AG, formed in 1996, is a specialist in innovative and performance-based insurance solutions. A special focus here is the development of unit-linked policies. An optimal mix of provident principles, investment expertise and international experience form the basis for the development of innovative products tailored to the needs of selected target groups.

On the international level, ASPECTA is represented in Austria, via the company ASPECTA Assurance Luxembourg S.A. in Luxemburg, Italy, Spain and the Netherlands, as well as via ASPECTA Assurance International AG in Liechtenstein and Switzerland. Life insurance operations in Poland are carried out under the name ASPECTA Zycie TU S.A..