Zurich in the provider monitor

Altersvorsorgedepot at Zurich from 2027

confirmed

From January 2027 Zurich will offer the Altersvorsorgedepot and all other state-subsidised products.

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

The commitment in detail

Zurich commits itself. Its own product page says it will offer the Altersvorsorgedepot and all other state-subsidised products from January 2027, and the same sentence appears again further down in a slightly different form.

The page carries no date. For us that means it has to be checked afresh every round.

Alongside the depot, Zurich names guarantee products with an eighty or 100% contribution guarantee. The standard depot appears only as a statutory category, not as a product of the provider's own.

There are no costs anywhere. The figures on the page are the legislator's subsidy rates. There is no waiting list; what is offered is a digital information card and an advice appointment.

The facts at a glance

Does it offer an AVD?
Yes, confirmed
Planned launch
January 2027
Your contracting party
Zurich, as a product inside an insurance wrapper
Access for retail investors
Through sales partners
Variants announced
Altersvorsorgedepot and guarantee products
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
Investment universe
by its own account „ETFs, Fonds oder unseren professionell gemanagten Depotmodellen“
Contribution guarantee
DepotRente flex without a guarantee, DepotRente garant with an 80 percent contribution guarantee
Riester transfer
available

About Zurich

Zurich Gruppe Deutschland belongs to Switzerland's Zurich Insurance Group and is one of the country's largest insurers. Subsidised retirement provision would be handled by the German life insurance company. The group holds no securities account of its own.

Answered briefly

Does Zurich offer an Altersvorsorgedepot?
Yes. Zurich's own page says it will offer the Altersvorsorgedepot and all other state-subsidised retirement products from January 2027.
Is this a securities account at Zurich?
Zurich is an insurer and holds no securities accounts of its own. The page does not say which institution would hold the securities account.
What does the Altersvorsorgedepot cost at Zurich?
The product is announced; nothing is quantified. A reliable price only appears in the schedule of fees, which comes 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”
provider website, 20 October 2026 · last verified by us on 3 November 2026 „Feste Absicherung: 80 Prozent Beitragsgarantie dienen als verlässlicher Sicherheitsbaustein für Ihre Altersvorsorge.“

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.

Zurich: status “confirmed” 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.