The European Central Bank’s policy of low interest rates and the constant lowering of the guaranteed interest rate and the consequent reduction of surpluses are just some of the major challenges for insurance companies. The segment of occupational pensions is particularly affected. Contribution guarantees must be granted here, which many market participants no longer have to represent. The result is that there are fewer and fewer sustainable providers.

As an employer, you have a duty of care regarding the choice of care provider and products. We recommend checking the utility every two to three years. But we also know that this can not be done without external help. Therefore, it is important to one Having partners like HABEKO who can reliably handle this complex and responsible job.