Hi Daniel, cool that you have presented this in such detail. I know here mostly the negative sides of such insurances are discussed and I must admit, I am also no fan of it. But one advantage of such a pension insurance you have forgotten in my opinion: if you become unemployed for a longer time, the fund pension is not counted to your assets and can continue to grow (how that is with the suspension of the rate, of course, must be looked at), while you must use up your etfs portfolio in such a case, before there is "citizen's money". I see myself in a profession where I think a longer unemployment is rather unlikely, but if you have this risk you can take a look at an insurance policy
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Hi Laura, thanks for your feedback! That's right, no one can access the insurance. As for the contributions: can be made non-contributory at any time :)
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