Altersvorsorgedepot and pension distribution for insurers
Defend the book, protect the balance sheet.
A Riester book of tens of thousands of contracts sits in the house; every one of them becomes a reason for a conversation the moment the Altersvorsorgedepot launches, and not one of them has been assessed contract by contract. Whoever assesses first keeps the book.
Book evaluation reads the contract in, compares it with the Altersvorsorgedepot on an open-ended basis and documents the recommendation, including where that recommendation is to hold. Designed for tens of thousands of advice sessions and transfers a month.
Run an example contract through the demo portal and look at the documented recommendation, with test data, without signing in to a live system.
End-to-end: the Altersvorsorgedepot, the Frühstart-Rente and Riester comparison and switching in Helvetia's own brand, hybrid advice and completion journeys for self-service and personal advice, ODDO BHF Asset Management as investment partner. Start in two stages: pre-registration from October 2026, confirmation with one click from 1 January 2027. Media release of 7 October 2026.
End-to-end in the insurer's own brand: the Altersvorsorgedepot and the Frühstart-Rente, product line, advice and completion journeys, regulated asset management and adviser cockpit from a single source. Published September 2026.
Named are the partners whose own announcement is out. Where it is still to come, the case stands here without a name, with no figures that would point back to a partner. A selection, not the full list.
What does your book mean from January 2027?
Source of the two rates: Allianz Lebensversicherungs-AG, press release of 21 July 2026, representative survey April 2026, n > 1,500 (75%: Riester customers who want advice from their provider or intermediary; 58%: respondents who want a personal conversation on site or by video if a switch is on the table). Minutes per conversation, the share of digitally prepared conversations and 1,000 productive advice hours per adviser-year are assumptions, not measurements. No statement about any individual partner's results.
Defend your Riester book, launch the account under your brand.
Insurers usually start with the Altersvorsorgedepot and with reinvestment for maturing contracts. All products at a glance →
What you can check before you talk to us.
- Xaver Asset Management GmbH, an investment firm (WpIG) since 2025: Xaver is itself regulated, not just a technology supplier.
- A start in two stages: pre-registration from October 2026 (advice, suitability assessment, product choice), confirmation with one click from 1 January 2027, advisers and self-service on the same data.
- Partnerships with ODDO BHF and Upvest.
- Portfolios from 0.05% TER, complete AVD portfolios from 0.09% including active ETFs (source: Xaver product conditions, 2026).
- Insurtech of the Year 2025.
What insurers ask at this point.
Do we need our own licence to offer the Altersvorsorgedepot?+
That depends on the operating model chosen. Xaver Asset Management GmbH is an investment firm supervised by BaFin (WpIG) and works with regulated partners; which role your company takes and which permissions that requires is settled with your compliance function before the project. There is deliberately no blanket answer.
Can we start with the switching service before we have our own product?+
Yes. The modules can be started individually. Many companies begin with book assessment and the advice journey and add their own Altersvorsorgedepot once product development and certification are complete.
What happens when switching is not advantageous for the customer?+
Then the comparison recommends holding the existing contract, and documents that recommendation exactly as it would a switch. That is not a side effect; it is what keeps advice in an existing book defensible.
Walk through your use case with us.
- We show you the modules that matter for your case
- With Max Bachem, founder & CEO
- No obligation, no preparation needed