Is a Rürup pension worthwhile in combination with supplementary insurance?
Many insurance companies offer additional products with a Rürup pension insurance. For example, a policy can be combined with disability or survivor insurance. Consumer protection groups and the German Insurance Federation generally advise against such combinations. Although you may benefit more from a tax perspective than with individual insurances, the premiums for disability insurance are often higher in combination than for individual products.
Survivor insurance as an addition is also possible. This way, you can provide for your relatives in the event of death. After the death of the insured person, relatives receive nothing from the Rürup pension. There is no pension guarantee period, during which money is paid to relatives for an agreed period after one's own death, with Rürup. However, in the event of a divorce, the claims from the survivor insurance expire.
These additional contracts do not conflict with the tax requirements for a Rürup policy and are therefore subsidised. However, the proportion of additional products in the total contribution must not be higher than the proportion for retirement provision itself. Additional insurances are also offered that guarantee a refund of contributions if the insured person dies before retirement. However, they are excluded from tax subsidies.
