Liechtenstein Life in the provider monitor

Altersvorsorgedepot at Liechtenstein Life from 2027

in preparation

Not yet committed. Liechtenstein Life writes that it is preparing the Altersvorsorgedepot for a start from 2027, and names the standard securities account as the first product.

Provider type InsurerSurvey 23 September 2026Rolf Henning HackelVerified by Rolf Henning Hackel on 24.09.2026

What has been announced

The page carries the marking „coming soon“ and a pre-registration. The provider writes that it is preparing the Altersvorsorgedepot for a start from 2027, and names the standard securities account as the product it begins with as things stand. That is not a commitment for 1 January 2027; for the status „in preparation“ it is enough.

On costs the page is clearer than most. The subsidy calculator works with 1 percent in effective costs, and directly below it says where the figure comes from: „Unsere genauen Produktkosten stehen noch nicht fest. Zur Veranschaulichung rechnen wir mit 1 % Effektivkosten pro Jahr, der gesetzlich definierten Obergrenze für das Standarddepot.“ — our exact product costs are not yet fixed; for illustration we calculate with 1% in effective costs a year, the statutory cap for the standard securities account. That is an assumption in the calculator and not a price from the provider. We therefore carry no cost information.

Two routes appear on the provider's own site: pre-registration directly with the provider, and a section of its own for distribution partners, where the Altersvorsorgedepot is likewise listed as coming soon.

The registered office is in Liechtenstein, so inside the EEA but not the EU. Who may be the provider of a certified retirement contract is decided by the Altersvorsorgevertrag-Zertifizierungsgesetz, the German act on certifying retirement contracts. Nothing is certified here, as with every other provider so far.

What was announced

Does it offer an AVD?
In preparation
Does it offer an AVD?
Not yet committed, in preparation
Planned launch
1 January 2027
Your contracting party
still open, the provider names no contracting party
Access for retail investors
Pre-registration directly with the provider, and a section of its own for distribution partners
Certified (BZSt)
No; certification is granted on application by the Federal Central Tax Office, before the first sale
Terms published
No; the provider writes itself that its exact product costs are not yet fixed
Product type as things stand
Standard securities account, first, according to the provider
How far along the offer is
Pre-registration possible
How far along the offer is
pre-registration available
Basis of the classification
Die Aufnahme geht auf eine Anfrage von Rolf Henning Hackel zurück. Zur Frage, ob eine liechtensteinische Gesellschaft Anbieter eines zertifizierten Altersvorsorgevertrags sein kann, geht er davon aus und sieht die Gesellschaft selbst als Versicherer in dieser Rolle. Das ist seine Einordnung; das Haus selbst nennt auf der Seite keinen Vertragspartner, und deshalb steht in der Faktenzeile weiter, dass die Angabe offen ist.
Investment universe
Funds and ETFs. In the standard securities account, according to the provider, the provider sets two funds, one growth-oriented and one lower risk.
Contribution guarantee
No contribution guarantee. On the standard securities account the provider writes that this does not make it safer, and that the value can fluctuate.
Riester transfer
planned; the page names both the transfer of the subsidy and the transfer of the capital already saved
Provider website
liechtensteinlife.com/de-DE/markets/de/produkte/altersvorsorgedepot

About Liechtenstein Life

Liechtenstein Life Assurance AG is a life insurer based in Ruggell, Liechtenstein, and trades in Germany under the Prosperity brand. Its business is unit-linked retirement products, sold through distribution partners and run in an app of its own.

Questions and answers

Does Liechtenstein Life offer an Altersvorsorgedepot?
Not yet committed. Its own product page says the provider is preparing the Altersvorsorgedepot for a start from 2027, and that the standard securities account is the product it begins with as things stand. The wording and our verification date are at the top of this page.
What does the Altersvorsorgedepot cost at Liechtenstein Life?
That is open. The subsidy calculator on the page works with 1 percent in effective costs, but the provider expressly adds that its exact product costs are not yet fixed and that the figure serves as an illustration. We therefore carry no cost information of its own.
Can I pre-register already?
Yes. The page offers a free pre-registration with no obligation. No Altersvorsorgedepot can be signed with any provider before 1 January 2027.

Where the information comes from

We document preparation too. The source describes what the company itself announced, not what will come of it.

Evidence for the status “in preparation”
provider website, August 2026 · last verified by us on 24 September 2026 „Liechtenstein Life bereitet das Altersvorsorgedepot für den Start ab 2027 vor. Bei uns startet nach heutigem Stand zunächst das Standarddepot, also das Altersvorsorgedepot mit Standardeinstellungen.“

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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.

Liechtenstein Life: status “in preparation” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 23.09.2026, this provider last verified 24.09.2026.

Part of the AVD provider monitor · Survey 23 September 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.
Independent and free of display advertising. Status in the monitor is independent of business relationships.