The 3 pillars of your retirement
Germany’s retirement system is built on three pillars. While the statutory pension is the foundation, it often isn’t enough.
Private pension
Extra savings for more flexibility.
Company pension (bAV)
Smart, subsidized savings with employer support.
Basis-Pension
Get up to 40% of your contributions back through tax savings
Why should I save for retirement?
The reality: The statutory pension alone won’t be enough to maintain your current standard of living in retirement. To avoid financial shortfalls later, it’s essential to take action now and close the pension gap—otherwise, retirement could mean scaling back your lifestyle.
Company Pension
Double your retirement savings with tax-free contributions and at least 15% extra from your employer. No upfront fees — every euro goes straight into your pension, not into commissions.
Flexible Pension
Save on your own terms with low-cost ETF investments and no upfront fees. Choose between monthly payouts or a lump sum — and take your pension with you if you leave Germany. 100% of your contribution is invested for long-term growth.
Basis-Pension (RüRup)
Ideal for self-employed professionals: get lifelong income in retirement and up to 40% cashback through tax savings. Your full contribution is invested — no upfront fees or hidden commissions.
Don’t take our word for it
Very responsive and and helpful
“Feather has always been very responsive, professional and helpful whenever I ask for a form, submit a claim, etc.”
Derek
It was very good experience with…
“It was very good experience with Gabriel, very helpfull and the honest. Provide me very good advice and instant answer”
Fenil Raiyani
Competent advisor
“The advisor answered all my questions very clearly, patiently and competently. I will be signing up with them for insurance.”
customer
Helpful experience
“The discussion about my concerns was constructive, and the actions are fast. I recommend that everyone meet with the support team, especially Reyes, to get insightful information.”
sim_t
Top customer service
“I was really happy with the customer service from Dajana. She was well prepared in advance with the documents I needed for a specific purpose and that made the whole process simple, easy and effective. Plus, she was friendly, informative and very helpful.”
L.Visi
Feather team has helped me and provided…
“Feather team has helped me and provided the guidance in proper direction when I was surrounded with lots of doubt about the type of insurance I have to take as embassy has asked to submit the insurance which cover pre-existing condition.”
KP
Super kind and knowledgeable
“Gabriel was so kind and knowledgeable. Would definitley recommend Feather for honest and helpful advice. Affordable options, with a very straightforward portal.”
Emma
100% worth it!
“I had two calls with feather in the last two years, and every time they’ve been so kind and helpful! Feather is a little more expensive than the local alternatives, but it’s 100% worth it. Thanks Chris for the help today :)”
customer
Excellent Communication and Professionalism
“I had a great conversation with Gabriel. He was professional, friendly, and took the time to answer all my questions thoroughly. He listened carefully, provided clear explanations, and ensured that I had all the information I needed.”
Mohamed Foda
Transparent and quick service
“Had a great experience with Feather Insurance. Entire process from start to end was smooth, transparent and very convenient. Highly recommended !”
Neeraj Khanka
