LVM in the provider monitor

Altersvorsorgedepot at LVM from 2027

in preparation

By its own account LVM is working on a product, but does not commit to offering one.

Provider type InsurerSurvey 4 November 2026Rolf Henning Hackel, Finanzexperte und Gründer von AVD VergleichVerified by Rolf Henning Hackel on 3 November 2026

What is known so far

LVM has a page of its own with a pre-registration button, prominently placed at the top. Even so, there is no commitment on it.

The strongest sentence says that LVM is already working on a suitable product so that customers can use the subsidy from 1 January 2027 onwards. Working on something is preparation.

Which variant is to come stays open. Neither a guarantee product nor a standard depot is named as an offering of its own.

The sentence on the Riester transfer is a general explanation of the law with no reference to LVM. There are no terms. The page carries no date. We therefore check it in every round, and the review date above is the only date we can give for it.

What was announced

Does it offer an AVD?
In preparation
Planned launch
1 January 2027 named, but with no commitment
Your contracting party
LVM, as a product inside an insurance wrapper
Access for retail investors
Through local agencies
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
pre-registration available
Investment universe
Securities such as ETFs or other funds
Riester transfer
available
Drawdown plan at least until
85 years
Provider website
lvm.de

About LVM

LVM is a mutual insurance association based in Münster and works through its own network of agencies. The company is active in nearly all lines, including life insurance.

Questions and answers

Does LVM offer an Altersvorsorgedepot?
That is open. The provider writes that it is working on a suitable product, but does not commit to offering one. That is why we list the entry as preparation.
Can I pre-register with LVM?
Yes, there is a pre-registration form on the page. What exactly is being reserved stays open, because the product is not described.
What does LVM's offering cost?
You can already pre-register. What it will cost is not part of that. Only the schedule of fees that follows certification turns a statement into a price.

The source

This is where the information comes from. An announcement is not a contract, so the status stays below “confirmed”.

Evidence for the status “in preparation”
provider website · last verified by us on 3 November 2026 „Die LVM arbeitet bereits an einem passenden Produkt, damit Sie ab dem 01.01.2027 von Beginn an die staatliche Förderung nutzen können."

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.

LVM: status “in preparation” on the Altersvorsorgedepot from 1 January 2027, AVD provider monitor, as of 4 November 2026, this provider last verified 3 November 2026.

Part of the AVD provider monitor · Full survey 4 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.
Independent and free of display advertising. Status in the monitor is independent of business relationships.