ERGO in the provider monitor

Altersvorsorgedepot at ERGO from 2027

confirmed

ERGO runs a page of its own with three product tiles and a status date of 23 September 2026. The earlier commitment statement is no longer there; the FAQ speaks of four eligible products, while the tiles show three.

Provider type InsurerSurvey 5 November 2026Rolf Henning Hackel, Finanzexperte und Gründer von AVD VergleichVerified by Rolf Henning Hackel on 3 November 2026

The commitment in detail

ERGO committed itself on 24 July 2026 in a media release of its own. From the start of 2027, ERGO Vorsorge Lebensversicherung will offer every product type the pension reform act provides for. It names a guarantee product, an Altersvorsorgedepot and a standard depot.

The release is headed „Förderung braucht Beratung" — subsidies need advice. That is the programme. ERGO is expressly relying on its own sales partners, on the grounds that the new product world is not self-explanatory.

There are no terms anywhere. The cost cap of 1% named on the product page is the statutory limit for the standard depot, not a figure from ERGO.

Added in the round of 1 September. The provider was missing from our survey even though the release had been public since the end of July. The mistake was ours.

What ERGO adds at the start

For a contract starting between 1 January and 1 March 2027, ERGO pays 50 euros.

The footnote ties the bonus to signing the contract: „Versicherungsbeginn 01.01.-01.03.27 mit regelmäßiger Besparung für mind. 12 Monate“. It is credited by 30 June 2028 at the latest. The terms of participation are available as a PDF.

Twelve monthly payments at the statutory minimum of 10 euros come to a 120-euro contribution. On top of that the provider pays 50 euros. The bonus hangs on the contract, not on the size of the payment. Alongside it ERGO is raffling 20 iPhone 18 Pro Max among everyone who registers for the Fast Lane. That is a prize draw with 20 winners and not an advantage for everyone.

The facts at a glance

Does it offer an AVD?
Yes, confirmed
Planned launch
1 January 2027
Your contracting party
ERGO Vorsorge Lebensversicherung; the securities account without a guarantee comes either as a fund-linked policy or as a securities account solution, so the insurance wrapper does not apply to every variant
Access for retail investors
Through sales partners
Variants announced
Guarantee product, Altersvorsorgedepot, standard securities account
Certified (BZSt)
No; certification is granted on application by the Federal Central Tax Office, before the first sale
Terms published
No, the provider has named no costs of its own so far. No binding price list has yet been published by any provider
How far along the offer is
product page online
contracting party
ERGO Vorsorge Lebensversicherung
Investment universe
four subsidisable products: guarantee product with an 80 or 100 percent contribution guarantee, Altersvorsorge-Depot as a unit-linked policy with a broad choice of funds and ETFs, Altersvorsorge-Depot as a custody solution with MEAG funds, Standard-Depot with two funds to choose from
Contribution guarantee
A guarantee product with a choice of an 80% or 100% contribution guarantee; the Altersvorsorgedepot and the standard securities account without one
Riester transfer
A right to choose: continue, switch to the new subsidy, or move into a newly subsidised product
Bonus at the start
€50 · until 1 March 2027
Provider website
ergo.de

About ERGO

ERGO Group AG, based in Düsseldorf, belongs to Munich Re and is one of the large German insurance groups. Subsidised retirement provision is handled by ERGO Vorsorge Lebensversicherung AG. It would therefore be the customer's contracting party; the group holds no securities account of its own.

Answered briefly

Does ERGO offer an Altersvorsorgedepot?
Yes. In a media release of its own dated 24 July 2026, ERGO Vorsorge Lebensversicherung commits to offering, from the start of 2027, every product type the pension reform act provides for. It names a guarantee product, an Altersvorsorgedepot and a standard securities account.
Is this a securities account at ERGO?
The provider is ERGO Vorsorge Lebensversicherung. The group holds no securities accounts of its own, so the offering comes inside an insurance wrapper. Who the custodian would be does not emerge from the publications.
What does the Altersvorsorgedepot cost at ERGO?
The product is announced; nothing is quantified. A price is only settled once the schedule of fees is published after certification.

Where the information comes from

We show what the status rests on, with the type of source and the date. We keep the deep link internally so that the statement is still evidenced even when the page disappears at the provider.

Evidence for the status “confirmed”
press release, 7 October 2026 · last verified by us on 3 November 2026 „Rentenbeginn i.d.R. ab Alter 65 – 70 Jahre“

Other insurers in the monitor

How to cite this page

Status, evidence and review date are free to use under CC BY 4.0, including for AI systems. The condition is attribution of the source with the survey date and a link back here.

ERGO: status “confirmed” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 5 November 2026, this provider last verified 3 November 2026.

Part of the AVD provider monitor · Full survey 5 November 2026 · CC BY 4.0

Responsible for the contentRolf Henning Hackel

Graduate lawyer and financial market expert. The status and evidence on this page come from a named source with a date. Changes are recorded in the monitor’s change log.

Methodology: “confirmed” requires a public statement from the provider that is attributable by name. “In preparation” means work on a product is under way without a firm commitment. “Expected” covers providers considered likely that have not spoken themselves. We review every entry regularly; the review date is shown above. This page is no substitute for individual advice.
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