Time value accounts / lifetime working accounts

Maik Sammer

Time value accounts / lifetime working accounts

Your advantages with us

  • Independence - We are not bound to a specific provider
  • Large banking, insurance and financial services network
  • because of the network - big product access and comparison possibilities
  • Years of experience
  • Choice between fee-based billing with products at net rates or the classic commission payment of the product provider
  • Individual offers - we will find the right product for you


Ihre Anfrage zu Time value accounts / lifetime working accounts






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    More information about Time value accounts / lifetime working accounts

    Your benefits

    minimal administrative effort and cost-effective product
    early planning and financing of early retirement solutions and
    Exemption times possible
    Commitment and motivation of qualified employees + image for the company
    attractive tax benefits

    This is how the lifetime working account (LAZ) with warranty works
    With a guaranteed lifetime working life insurance (LAZ) account, you will enable your employees to continue to receive their regular salary despite reduced working hours or time off.

    Working hours or parts of wages and salaries are kept in an account in uniform amounts in money and can be converted back into leisure time at a later date. Examples include early retirement or individual leave for further education, part-time, nursing and parental leave.

    Typical credit balances result from overtime or overtime compensation, leave days, Christmas and holiday pay, bonuses, employer grants, salary components.

    How the lifetime working account (LAZ) works with guarantee

    Source: R & V insurance

    Lifetime Warranty Account (LAZ) offers you:

    • individual planning and support
      Together with you, we will clarify which goals should be achieved and which modules of the working-time account are to be recommended for you (early retirement, individual leave periods). On this basis, a framework agreement is concluded and the accounts for your employees to accumulate the credit balances are created.
    • revenue producing facility
      To finance the working life account, the accumulated value assets are invested in a reinsured life insurance. By pledging this investment, the working life accounts are also insured for insolvency.

    • exemption options
      An operating agreement sets out the options and conditions required for an exemption, as well as the frequency of possible exemptions. Depending on the agreed need situation, both you and your employees can call up the credit balance for an exemption.
    • Freedom of tax and social insurance in the accumulation phase
      The credit balances are paid tax-free and social security contributions on the lifetime working account. The taxation and contribution payment for the social security contributions takes place only with payment.

      Benefits for your employees

      • flexible life planning without financial losses
        The lifetime working account offers your employees a cash cushion for emergencies. In addition, they have the opportunity to make your life flexible without having to accept financial losses. The accumulated funds are already available before the age of 60.
      • flexible deposit amount
        For each employee, a single contract is conducted. Every employee can then decide from year to year on the basis of the company agreement how much money he wants to accumulate.
      • Security in case of bankruptcy and death
        Life working-time accounts are protected by investment in reinsured life insurance – even in the event of bankruptcy. If your employee dies, the survivors have the right to a complete inheritance.
      • Freedom of tax and social insurance in the accumulation phase
        Your employees benefit – just like you – from the tax-free and social insurance-free deposit of the credit on the working life account. The taxation and contribution payment for the social security contributions takes place only with payment.
      • contribution guarantee plus high total interest
        The payment of the paid-in contributions is guaranteed at any time of the claim. In addition, the contributions will be increased by a guaranteed interest with profit sharing.