Secure Future for Dependants
The nextsure bereavement pension supplement offers financial security for your loved ones in the event of an emergency. Learn how to close care gaps and optimally protect your family.
Financial Security
Customisation
Closing gaps
What is a survivor's pension supplement and why is it important?
Definition & Purpose
Legal Provision Gaps
Target Audience & Needs
Advantages nextsure
The statutory survivor's pension: Understanding benefits and limitations
The statutory survivor's pension, consisting of widow's/widower's pension and orphan's pension, provides a financial foundation for survivors. However, these benefits are often not enough to maintain the usual standard of living. Income deductions, reductions, and changing living costs can quickly lead to significant coverage gaps. Particularly for younger survivors, unmarried partners, or in cases of significant income loss of the deceased, statutory security is often insufficient. A survivor's pension supplement from nextsure specifically addresses these gaps and ensures financial stability in an already difficult time. We analyze your individual situation and show you how to optimally complement statutory benefits. Keywords: statutory survivor's pension, widow's pension, widower's pension, orphan's pension, coverage gap, financial security, income deduction, maintain standard of living, survivor's pension supplement.
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Needs Analysis
Accurate determination of your coverage gap.
Tariff Comparison
Transparent comparison of suitable offers.
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Expertly and comfortably from home.
Online conclusion
Quick, easy, and secure digital completion.
Contract Adjustment
Flexible adaptation to the phases of your life.
Service Assistance
Support for your family in case of an emergency.
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Tailored protection with the survivor's pension add-on.
Survivor's Pension Supplement
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Who is an additional survivor's pension particularly beneficial for?
A bereavement pension supplement is relevant for a broad target group, particularly for primary earners in families, single parents, and couples with shared financial commitments such as property loans. Self-employed individuals and freelancers, who often have less statutory protection, should also consider such a supplement. If ongoing expenses like rent, loan repayments, or children's education costs could no longer be covered in the event of the primary earner's death, the bereavement pension supplement provides crucial support. It is also important if there are no or only minimal entitlements to statutory widow’s or widower’s pensions, such as in non-marital partnerships or after a short marriage duration. nextsure helps you determine your individual needs and find the right cover. Keywords: primary earners, single parents, property loan, self-employed, freelancers, financial commitments, children's education costs, non-marital partnership, bereavement pension supplement sensible.
Types of Survivor Benefits: Term Life Insurance vs. Pension Insurance
There are various ways to structure an additional bereavement pension. The classic term life insurance pays out a previously agreed sum insured either as a one-off payment or in instalments in the event of death. It primarily serves to cover high financial obligations. Alternatively, a private pension insurance with survivor protection can be taken out. Here, capital is accumulated that flows to the beneficiaries as a pension or is paid out as a lump-sum settlement in the event of death. Mixed forms and flexible models are also possible. The choice depends on your individual life situation, financial goals, and desired flexibility. Nextsure provides transparent advice on the advantages and disadvantages of the various options to find the right solution for your bereavement provision. Keywords: term life insurance, private pension insurance, survivor protection, sum insured, lump-sum settlement, flexible models, individual provision, types of additional bereavement pension.
Factors that influence the contribution amount and performance
The costs and benefits of an additional bereavement pension are determined by several factors. These include the age at entry and the health condition of the insured person, the desired insurance sum or pension amount, the term of the contract, as well as any additional benefits like a contribution waiver in case of occupational disability. The chosen rate and insurer also play a role. Smokers, for example, generally pay higher contributions than non-smokers. A thorough health check is often part of the application process. To achieve the optimal price-performance ratio, a careful comparison of different offers is essential. nextsure supports you in understanding the influencing factors and finding a rate that suits your needs and budget. Keywords: Contribution amount bereavement pension, insurance benefit, age at entry, health condition, insurance sum, term, health check, bereavement pension rate comparison.
Tax aspects of the survivor pension supplement
The tax treatment of contributions and benefits of a survivor's pension supplement depends on the type of insurance chosen. Contributions to term life insurance are generally tax-deductible as part of other retirement expenses, but often only limited by the maximum amount. Benefits from term life insurance are income tax-free for beneficiaries in the event of death, but may be subject to inheritance tax, depending on allowances and the degree of kinship. In annuity insurance with survivor protection, the pensions paid out are taxed on the earnings portion. A lump-sum payment can also be taxable. It is advisable to carefully examine the tax implications in advance and seek tax advice if necessary. nextsure provides information on the basic tax framework of the survivor's pension supplement. Keywords: tax treatment, retirement expenses, term life insurance contributions, inheritance tax, earnings portion taxation, lump-sum payment tax, survivor's pension supplement taxes.
Occupational disability
Secure income
Term life insurance
Protect the family
Additional Care
Aging with dignity
How nextsure supports you in selection and completion
nextsure accompanies you as your digital insurance portal competently through the entire process of selecting and finalizing your bereavement pension supplement. We begin with a detailed needs analysis to understand your individual situation and financial goals. Then, we transparently compare offers from various insurers for you, with particular attention to the price-performance ratio and contract terms. Our fully digitalized conclusion process enables you to finalize the contract quickly and easily from home. Even after the conclusion, we are available for questions and contract adjustments. Benefit from our expertise and focus on niche insurance for your bereavement pension supplement. Keywords: needs analysis insurance, offer comparison insurance, digital insurance conclusion, nextsure advisory, niche insurance expert, finalize bereavement pension supplement.
Case Study: The Mustermann Family Secures Their Future
The Mustermann family, consisting of Markus (40, main earner), Anna (38), and two children (8 and 10), recently bought a house and took out a loan for it. To financially secure the family in the event of Markus's unexpected death and to ensure the repayment of the loan as well as the educational costs for the children, they decide on an additional surviving dependents' pension. After a consultation with nextsure, they choose a term life insurance with a coverage amount that covers the remaining debt of the loan and provides a buffer for the coming years. The premium is affordable for them and gives them the assurance that Anna and the children will not face financial ruin in case of an emergency. This example shows how important forward planning with an additional surviving dependents' pension is for effectively closing provision gaps. Keywords: Case study surviving dependents provision, family protection, loan protection in case of death, securing children's education costs, term life insurance example, additional surviving dependents' pension in practice.
Avoiding Common Mistakes in Bereavement Planning
When planning survivor benefits, particularly when taking out an additional survivor's pension, mistakes can easily occur that can have serious consequences in the event of an emergency. A common mistake is to set the insurance amount too low, so it does not cover the actual financial needs of the survivors. It is also often forgotten to adjust the insurance amount over time to changing life circumstances (e.g., birth of further children, property purchase, salary increase). Another mistake is choosing a term that is too short, which ends before the financial dependency of the survivors is over. Incorrectly naming the beneficiary can also lead to issues. nextsure helps you identify these and other pitfalls and build a solid, needs-based survivor benefits plan. Keywords: mistakes in survivor benefits planning, insurance amount too low, insurance term, beneficiary of risk life insurance, optimise provision planning, additional survivor's pension errors.
What exactly does a survivor's pension supplement provide?
The path to the optimal survivor's pension supplement can be divided into five clear steps: 1. **Needs analysis:** Determine exactly which financial gaps would arise in the event of death. Consider ongoing costs, loans, children's education, and the desired standard of living. 2. **Gathering information:** Understand the differences between term life insurance and annuity insurance with survivor benefits. 3. **Obtain and compare offers:** Use comparison portals like nextsure to examine tariffs from different providers in terms of price, performance, and conditions for your survivor's pension supplement. 4. **Answer health questions truthfully:** Accurate information is crucial for insurance coverage. 5. **Contract conclusion and regular review:** Conclude the contract digitally and review it every few years for necessary adjustments. Keywords: Checklist survivor's pension supplement, needs analysis provision, compare insurance offers, answer health questions truthfully, review insurance contract.
