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ERGO Vorsorge Lebensversicherung increases profit participation again
Customers can look forward to another increase in profit participation for the year 2027.
„Since many people are already looking into the topic of the new subsidised retirement provision in the run-up to January 2027, we want to provide clarity at an early stage regarding the profit participation of our life insurance policies,” says Dr Oliver Horn, Chairman of the Board of Management of ERGO Vorsorge Lebensversicherung AG.
The regular profit participation will rise next year to 3.0 percent (2026: 2.9 percent), and the total profit participation to up to 4.3 percent (2026: 4.2 percent).
This renewed increase – now for the fourth year in a row – demonstrates two things: that our investment strategy, focused on long-term returns, has once again proven successful; and that it is important to us to act quickly in favour of our customers whenever we see scope for an increase.
At ERGO Lebensversicherung AG, the ERGO company responsible for managing the existing portfolio of traditional classic life insurance business, the regular profit participation will remain unchanged at 3.0 percent and the total profit participation at 3.25 percent.
Sustainable investment strategy
ERGO’s life insurers pursue a diversified capital investment strategy tailored to their respective business models, which ensures a consistently attractive interest rate primarily through sufficiently high regular income. An important component of this strategy, alongside asset-liability management, is the commitment to sustainable infrastructure financing, such as wind power, district heating, and railway networks. In particular, ERGO Vorsorge Lebensversicherung AG further utilizes yield opportunities in the stock markets.
ERGO is one of the leading international insurance groups and operates in over 20 countries worldwide. The Company offers its retail and corporate customers a broad product portfolio in all the main classes of insurance as well as comprehensive assistance and other services. Three units operate under the umbrella of ERGO Group AG: ERGO Deutschland AG, ERGO International AG and ERGO Technology & Services Management AG. The German and international businesses as well as the management of IT and technology services are organized in these units. More than 36,000 people work either as salaried employees or self-employed sales representatives for the Group. In the 2025 financial year, ERGO generated insurance revenue of 21.7 billion euros and a net result of 917 million euros. ERGO is part of Munich Re, one of the world's leading reinsurers and risk carriers.
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