uniVersa in the provider monitor

Altersvorsorgedepot at uniVersa from 2027

in preparation

By its own words uniVersa is already working on suitable products. A commitment that they will come does not appear on the page.

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

What has been announced

Two sentences on the same page say the same thing. In the key-points box it says uniVersa Lebensversicherung is already working on suitable products so that customers can benefit from the subsidy promptly. Further down, for existing customers, it is put even more directly: new retirement product solutions for 2027 onwards are currently being developed.

What is notable is the gap between explanation and self-disclosure. The page shows a product matrix with three variants — Altersvorsorgedepot with a guarantee, Altersvorsorgedepot, and standard depot — complete with guarantee and investment logic. Which of them uniVersa intends to offer itself is nowhere stated. Not a word.

The page does not sit in the product section but under the company heading, reachable via the menu item Altersvorsorgereformgesetz 2027. It carries no date, which is why we have to read it through in full every round. 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
2027, with no date committed to
Your contracting party
uniVersa Lebensversicherung a.G., named by the provider itself
Access for retail investors
Direct sign-up possible
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
information page
contracting party
uniVersa Lebensversicherung a.G.
Provider website
universa.de

About uniVersa

uniVersa is Germany's oldest private health insurer and has its head office in Nuremberg. The company is a mutual insurance association and runs a life insurance business alongside health.

Questions and answers

Does uniVersa offer an Altersvorsorgedepot?
Not yet committed. By its own account the provider is working on suitable products. Evidence: the provider's website.
What has uniVersa already decided, and what not?
The work on products is decided. The offering itself, the product form, the costs and certification are not decided.
What does the Altersvorsorgedepot cost at uniVersa?
The page explains the reform and names subsidy amounts. What the securities account will cost is not there. A price only becomes binding with the schedule of fees that follows certification.

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 · last verified by us on 3 November 2026 „Die uniVersa Lebensversicherung a.G. arbeitet bereits an passenden Produkten, damit Sie zeitnah von der Förderung profitieren 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.

uniVersa: 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.