ERGO life insurers: Another increase in profit participation in 2025

“The current interest rate level and the profit-oriented steering of our investments from a position of financial strength enable us to increase the overall interest rate for our customers for the second year in a row,“ says Oliver Horn, Member of the Board of Management of ERGO Vorsorge Lebensversicherung AG. “Our policy geared towards financial stability pays off. With a solvency ratio of 613 percent excluding transitional measures, ERGO Vorsorge is and remains a reliable partner. It is not for nothing that we have had the best credit rating of AA ever awarded by Assekurata for years, which has since been confirmed several times.” 

The profit participation in detail

ERGO Vorsorge Lebensversicherung AG: ERGO Vorsorge Lebensversicherung AG's total profit participation will be increased to up to 4.2 percent in 2025 (2024: 4.1 percent). The regular profit participation, which plays a particularly important role in the case of index-linked policies, will amount to 2.8 percent in the coming year (2024: 2.6 percent).

ERGO Lebensversicherung AG and Victoria Lebensversicherung AG: The two companies responsible for traditional classic life insurance products will offer a total profit participation of 2.95 percent in 2025 (2024: 2.5 percent).

Sustainable investment strategy

ERGO's life insurers pursue an investment strategy tailored to their respective business models, which ensures a continuously attractive return, primarily through sufficiently high regular income. In addition to asset-liability management, key elements include the increasingly important commitment to sustainable infrastructure financing, such as wind power, district heating and rail networks, as well as real estate financing. In particular, ERGO Vorsorge Lebensversicherung AG also takes advantage of the opportunities for returns on the stock markets.