TodesfallRente

TodesfallRente is a product feature in life insurance and private pension plans that provides a regular survivor’s pension if the insured dies during the contract term. Instead of a one-time death benefit, TodesfallRente ensures ongoing income for designated beneficiaries, typically spouses or children, for a defined period or for life.

The benefit is paid as a pension-like monthly (or quarterly) amount. The size and duration depend on contract terms, including the sum insured, chosen payment period (for example 5, 10, 20, or 30 years) or lifetime, and whether the payments are fixed or indexed. TodesfallRente is usually offered as an option in risikolebensversicherung (term life) or as a feature of broader retirement products, such as fondsgebundene or endowment policies.

In practice, beneficiaries receive the payments after the policyholder’s death. The contract may specify conditions, such as continuing premiums, the possibility of inflation adjustments, and any caps or minimums. The arrangement helps to replace lost household income and cover ongoing expenses for dependents, providing financial stability in the event of premature death.

Tax treatment varies by jurisdiction and policy type. In many systems, life-insurance-related death benefits to beneficiaries are treated differently from regular income, and some or all payments may be tax-exempt, taxable, or subject to special rules. Policyholders should review the contractual terms and consult a tax advisor to understand implications.

This article summarizes TodesfallRente as a mechanism to provide ongoing survivor benefits through a life-insurance or pension product, complementing lump-sum death benefits and other assets in a comprehensive estate and retirement plan.