{"id":458,"date":"2017-11-28T10:00:27","date_gmt":"2017-11-28T09:00:27","guid":{"rendered":"https:\/\/vorsorge.bav.digital\/bbg\/?page_id=458"},"modified":"2025-10-15T11:28:09","modified_gmt":"2025-10-15T09:28:09","slug":"bav","status":"publish","type":"page","link":"https:\/\/vorsorge.bav.digital\/bbg\/bav\/","title":{"rendered":"betriebliche Altersvorsorge"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_section  avia-builder-el-first   container_wrap sidebar_right'  ><div  class='avia-slideshow av-140x1e-b21f97b188c247e736540c5f6d261dc3 avia-slideshow-no scaling av_slideshow_full avia-fade-slider av-slideshow-ui av-control-hidden av-no-slider-navigation av-hide-nav-arrows av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied   avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;fade&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:100,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:true,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 31.5234375%;'><li  class='avia-slideshow-slide av-140x1e-b21f97b188c247e736540c5f6d261dc3__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img decoding=\"async\" class=\"wp-image-1378 avia-img-lazy-loading-not-1378\"  src=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-scaled.jpg\" width=\"2560\" height=\"807\" title='Header-bAV' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-scaled.jpg 2560w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-300x95.jpg 300w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-1030x325.jpg 1030w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-768x242.jpg 768w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-1536x484.jpg 1536w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-2048x646.jpg 2048w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-1500x473.jpg 1500w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-705x222.jpg 705w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/header-bav-450x142.jpg 450w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/div><\/li><\/ul><\/div><\/div>\n<div id='was-ist-bav'  class='avia-section av-atnegq-1d86c3beee9de5b2b431e038e3e76d2b main_color avia-section-default avia-no-shadow  avia-builder-el-1  el_after_av_slideshow_full  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ama6mi-2d51cd4bcd0a7a400f91ad7277215c5e\">\n.flex_column.av-ama6mi-2d51cd4bcd0a7a400f91ad7277215c5e{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-ama6mi-2d51cd4bcd0a7a400f91ad7277215c5e av_one_half  avia-builder-el-2  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-akb04i-a4caa071a57bab6c170112efb74b283a\">\n#top .hr.hr-invisible.av-akb04i-a4caa071a57bab6c170112efb74b283a{\nheight:15px;\n}\n<\/style>\n<div  class='hr av-akb04i-a4caa071a57bab6c170112efb74b283a hr-invisible  avia-builder-el-3  el_before_av_heading  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-11b3fm-59fc6c03265a619f85822d2cb8382ab4\">\n#top .av-special-heading.av-11b3fm-59fc6c03265a619f85822d2cb8382ab4{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-11b3fm-59fc6c03265a619f85822d2cb8382ab4 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-11b3fm-59fc6c03265a619f85822d2cb8382ab4 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-11b3fm-59fc6c03265a619f85822d2cb8382ab4 av-special-heading-h2 blockquote modern-quote  avia-builder-el-4  el_after_av_hr  el_before_av_textblock '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Ihre betriebliche Altersvorsorge<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-a6b2x6-2226ab4866c5308f08ab11a10b1f9cfe'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><strong>Tr\u00e4ume und Vorstellungen, wie das Leben nach dem Berufsleben einmal aussehen soll, hat jeder: Gesundheit, finanzielle Sicherheit, Zeit mit der Familie.<\/strong><\/p>\n<p>Allerdings reicht die <strong>gesetzliche Rente nicht aus<\/strong>, um den gewohnten Lebensstandard im Alter zu halten. Wir m\u00fcssen also selbst etwas tun.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-9y4e4i-f92b4363efd33312ec071b51e6167335-wrap avia-button-left  avia-builder-el-6  el_after_av_textblock  avia-builder-el-last '><a href='https:\/\/vorsorge.bav.digital\/bbg\/kontakt\/'  class='avia-button av-9y4e4i-f92b4363efd33312ec071b51e6167335 avia-icon_select-no avia-size-medium avia-position-left avia-color-theme-color'  ><span class='avia_iconbox_title' >Kontakt aufnehmen<\/span><\/a><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9sajca-e872552e89ed20f9b71f0e384812034d\">\n.flex_column.av-9sajca-e872552e89ed20f9b71f0e384812034d{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-9sajca-e872552e89ed20f9b71f0e384812034d av_one_half  avia-builder-el-7  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lsvmn4vh-4c70411081fb1b6ee4e1f1c8ad4c4193\">\n.avia-video.av-lsvmn4vh-4c70411081fb1b6ee4e1f1c8ad4c4193{\nbackground-image:url(https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2024\/02\/video-thumbnail-bav-300x225.jpg);\n}\n<\/style>\n<div  class='avia-video av-lsvmn4vh-4c70411081fb1b6ee4e1f1c8ad4c4193 avia-video-16-9 av-html5-fullscreen-btn av-preview-image avia-video-lightbox av-lazyload-video-embed avia-video-standard-html'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/www.youtube.com\/embed\/7yUh2sDvUas?rel=0&amp;showinfo=0'><script type='text\/html' class='av-video-tmpl'><a href='https:\/\/www.youtube.com\/embed\/7yUh2sDvUas?rel=0&amp;showinfo=0' rel='lightbox' class='mfp-iframe lightbox-link'><\/a><\/script><div class=\"av-click-to-play-overlay play-lightbox\"><div class=\"avia_playpause_icon\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9kqhcy-0eedd868006de7944e171fcee4501a1d\">\n#top .av_textblock_section.av-9kqhcy-0eedd868006de7944e171fcee4501a1d .avia_textblock{\ncolor:#0f457f;\n}\n<\/style>\n<section  class='av_textblock_section av-9kqhcy-0eedd868006de7944e171fcee4501a1d'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p>Ihre Altersvorsorge &#8211; Film ab!<\/p>\n<\/div><\/section><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='situation'  class='avia-section av-9e2zg2-788f4b71acdec0ee062abcb2549c5c1e main_color avia-section-default avia-no-shadow  avia-builder-el-10  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-97w52i-98158d5dec75c1e8e2b046ff3d31a52e\">\n.flex_column.av-97w52i-98158d5dec75c1e8e2b046ff3d31a52e{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-97w52i-98158d5dec75c1e8e2b046ff3d31a52e av_one_half  avia-builder-el-11  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-92dhu2-d22ccfb33b68b46de374468351b0241f\">\n#top .hr.hr-invisible.av-92dhu2-d22ccfb33b68b46de374468351b0241f{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-92dhu2-d22ccfb33b68b46de374468351b0241f hr-invisible  avia-builder-el-12  el_before_av_image  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8smabe-ca214dba76083e4aa796518ff01c887a\">\n.avia-image-container.av-8smabe-ca214dba76083e4aa796518ff01c887a img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-8smabe-ca214dba76083e4aa796518ff01c887a .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-8smabe-ca214dba76083e4aa796518ff01c887a av-styling- avia-align-center  avia-builder-el-13  el_after_av_hr  avia-builder-el-last '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-1386 avia-img-lazy-loading-not-1386 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/drei-saeulenmodell.jpg\" alt='' title='Drei S\u00e4ulenmodell'  height=\"541\" width=\"960\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/drei-saeulenmodell.jpg 960w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/drei-saeulenmodell-300x169.jpg 300w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/drei-saeulenmodell-768x433.jpg 768w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/drei-saeulenmodell-705x397.jpg 705w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/drei-saeulenmodell-450x254.jpg 450w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/div><\/div><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8mu616-ef3f5b5a8d7ce85da340870e862ad2d7\">\n.flex_column.av-8mu616-ef3f5b5a8d7ce85da340870e862ad2d7{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-8mu616-ef3f5b5a8d7ce85da340870e862ad2d7 av_one_half  avia-builder-el-14  el_after_av_one_half  el_before_av_one_full  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ulci2-d37275c25a5e02d95e2bd1286e9d1997\">\n#top .av-special-heading.av-ulci2-d37275c25a5e02d95e2bd1286e9d1997{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-ulci2-d37275c25a5e02d95e2bd1286e9d1997 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-ulci2-d37275c25a5e02d95e2bd1286e9d1997 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-ulci2-d37275c25a5e02d95e2bd1286e9d1997 av-special-heading-h2 blockquote modern-quote  avia-builder-el-15  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Die Situation<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-8cmu9m-87886e4df8a7a926a88e103a4919878b'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Die Altersversorgung in Deutschland ruht auf drei S\u00e4ulen: der gesetzlichen Rente, der betrieblichen Vorsorge und der privaten Vorsorge. Die \u00e4lteste dieser S\u00e4ulen stellt die betriebliche Altersvorsorge \u201ebAV\u201c dar &#8211; Sie kennen den Begriff vielleicht auch unter &#8222;Betriebsrente&#8220;.<\/p>\n<p>Die gesetzliche Rente alleine wird uns im Alter nicht reichen, denn diese liegt im Durchschnitt unter 1.000 Euro. Die Rentenl\u00fccke, also die Differenz zwischen dem letzten Gehalt als Berufst\u00e4tige:r und dem Geld, das man als gesetzliche Rente bezieht, wird immer gr\u00f6\u00dfer. Der demografische Wandel sorgt daf\u00fcr, dass immer weniger Erwerbst\u00e4tige immer mehr Rentner finanzieren m\u00fcssen. Hinzu kommt, dass die Zeit die Rente frisst. 1.000 Euro Rente von heute sind bei 2 Prozent Inflation in 20 Jahren nur noch 673 Euro wert.<\/p>\n<p>Um zus\u00e4tzlich f\u00fcr das Alter vorzusorgen, bleiben noch zwei S\u00e4ulen \u00fcbrig: die private und die betriebliche Altersvorsorge.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-897dtm-45271318d6fc487fc7f6af82c54f3fdf\">\n.flex_column.av-897dtm-45271318d6fc487fc7f6af82c54f3fdf{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-897dtm-45271318d6fc487fc7f6af82c54f3fdf av_one_full  avia-builder-el-17  el_after_av_one_half  avia-builder-el-last  first flex_column_div av-zero-column-padding column-top-margin'     ><section  class='av_textblock_section av-80yjv6-1be59ab124702d95571723d271a061f0'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Private Vertr\u00e4ge beinhalten oft hohe Kosten und sind zudem in den aktuellen Niedrigzinszeiten wenig lukrativ. Die deutsche Regierung hat entsprechend reagiert und die betriebliche Altersvorsorge (bAV) umfassend reformiert, um die Eigenvorsorge finanziell attraktiver zu machen. Durch rabattierte Gruppenvertr\u00e4ge haben Mitarbeiter:innen bessere Konditionen \u00fcber ihren Arbeitgeber als am privaten Vorsorgemarkt. Au\u00dferdem zahlen bei dem Modell der Betriebsrente neben den Arbeitnehmer:innen auch der Arbeitgeber und der Staat mit ein. Diese &#8222;Zusch\u00fcsse&#8220; machen die bAV finanziell so interessant.<\/p>\n<\/div><\/section><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='aktiv-werden'  class='avia-section av-7vzh3u-8c2b06741cfbcc99bd77a3e79861c731 main_color avia-section-default avia-no-shadow  avia-builder-el-19  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7pj7zu-f4389f4e0b42c269613aca5c18e0857f\">\n.flex_column.av-7pj7zu-f4389f4e0b42c269613aca5c18e0857f{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-7pj7zu-f4389f4e0b42c269613aca5c18e0857f av_one_half  avia-builder-el-20  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7h9t7e-e9d8bbc990b0125f5ebc5bcafb115565\">\n#top .av-special-heading.av-7h9t7e-e9d8bbc990b0125f5ebc5bcafb115565{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-7h9t7e-e9d8bbc990b0125f5ebc5bcafb115565 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-7h9t7e-e9d8bbc990b0125f5ebc5bcafb115565 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-7h9t7e-e9d8bbc990b0125f5ebc5bcafb115565 av-special-heading-h2 blockquote modern-quote  avia-builder-el-21  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Jetzt aktiv werden<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-7cjb36-d285a9323d7abaa0b335abffe79a9256'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Es ist kein Geheimnis: Wer im Alter den gewohnten Lebensstandard halten will, muss selber vorsorgen. Wir alle haben Tr\u00e4ume, die wir im Alter verwirklichen m\u00f6chten. Endlich hat man Ruhe und Mu\u00dfe f\u00fcr erholsame Kreuzfahrten, aufregende St\u00e4dtereisen, Spa\u00df mit den Enkelkindern, Kultur und Kulinarisches, sportliche Aktivit\u00e4ten und noch so viele Dinge mehr, die wir uns f\u00fcr unseren wohlverdienten Ruhestand vorstellen. Das ist allerdings nur m\u00f6glich, wenn wir im Berufsleben bereits f\u00fcr die Altersvorsorge aktiv werden. Mit der betrieblichen Altersvorsorge sichern Sie sich eine zus\u00e4tzliche Rente f\u00fcr die Rentenzeit. Nutzen Sie die Chance auf die F\u00f6rderung des Staates und die Ihres Arbeitgebers. Je fr\u00fcher Sie mit der Vorsorge beginnen, umso besser.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-762daa-9c9037f545acfb298ca1e3e0edbc3f21\">\n.flex_column.av-762daa-9c9037f545acfb298ca1e3e0edbc3f21{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\nbackground-color:#f0f7fd;\n}\n<\/style>\n<div class='flex_column av-762daa-9c9037f545acfb298ca1e3e0edbc3f21 av_one_half  avia-builder-el-23  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-72q31e-6ddc42b21e8c9e7d7f1687e57ab15722\">\n#top .hr.hr-invisible.av-72q31e-6ddc42b21e8c9e7d7f1687e57ab15722{\nheight:5px;\n}\n<\/style>\n<div  class='hr av-72q31e-6ddc42b21e8c9e7d7f1687e57ab15722 hr-invisible  avia-builder-el-24  el_before_av_icon_box  avia-builder-el-first '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6tu2z6-678b7bc76b016585d4bd374683037a68\">\n.iconbox.av-6tu2z6-678b7bc76b016585d4bd374683037a68 .iconbox_icon{\nborder:1px solid #0f457f;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-6tu2z6-678b7bc76b016585d4bd374683037a68 av-no-box  avia-builder-el-25  el_after_av_hr  el_before_av_button '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello'><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" >Keine Zeit verlieren<\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p style=\"text-align: center;\">Werden Sie aktiv und nehmen Sie Kontakt zu den Experten von Ecclesia Pension &amp; Benefits GmbH auf, um einen ersten unverbindlichen Beratungstermin zu vereinbaren.<\/p>\n<p style=\"text-align: center;\">Wir freuen uns auf Sie!<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<div  class='avia-button-wrap av-6mu04q-973ba317975bda21f80100b921529c83-wrap avia-button-center  avia-builder-el-26  el_after_av_icon_box  el_before_av_hr '><a href='https:\/\/vorsorge.bav.digital\/bbg\/kontakt\/'  class='avia-button av-6mu04q-973ba317975bda21f80100b921529c83 avia-icon_select-no avia-size-medium avia-position-center avia-color-theme-color'  ><span class='avia_iconbox_title' >Termin vereinbaren<\/span><\/a><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-6ke96i-30cd290b58f7a7f5a05282511a6de55f\">\n#top .hr.hr-invisible.av-6ke96i-30cd290b58f7a7f5a05282511a6de55f{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-6ke96i-30cd290b58f7a7f5a05282511a6de55f hr-invisible  avia-builder-el-27  el_after_av_button  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='wie-funktioniert-bav'  class='avia-section av-6fpmyq-44cf7bf9e17e3eb16530f68a85e92ccf main_color avia-section-default avia-no-shadow  avia-builder-el-28  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-66dvru-7efb072c607592f5456ed354e08f9c70\">\n.flex_column.av-66dvru-7efb072c607592f5456ed354e08f9c70{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-66dvru-7efb072c607592f5456ed354e08f9c70 av_one_half  avia-builder-el-29  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-63syv6-b996cded60f9034f05c000e3901871c7\">\n.avia-image-container.av-63syv6-b996cded60f9034f05c000e3901871c7 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-63syv6-b996cded60f9034f05c000e3901871c7 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-63syv6-b996cded60f9034f05c000e3901871c7 av-styling- avia-align-center  avia-builder-el-30  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-1388 avia-img-lazy-loading-not-1388 avia_image ' src=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/eigenbeitrag-webseite-bav.jpg\" alt='' title='Eigenbeitrag Webseite bAV'  height=\"398\" width=\"591\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/eigenbeitrag-webseite-bav.jpg 591w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/eigenbeitrag-webseite-bav-300x202.jpg 300w, https:\/\/vorsorge.bav.digital\/bbg\/wp-content\/uploads\/sites\/145\/2021\/06\/eigenbeitrag-webseite-bav-450x303.jpg 450w\" sizes=\"(max-width: 591px) 100vw, 591px\" \/><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5uwgaa-d20798742c85d4de712e2f1a4ba67ee9\">\n.flex_column.av-5uwgaa-d20798742c85d4de712e2f1a4ba67ee9{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-5uwgaa-d20798742c85d4de712e2f1a4ba67ee9 av_one_half  avia-builder-el-31  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5npx6q-578386849b088e3718d9765706899e31\">\n#top .av-special-heading.av-5npx6q-578386849b088e3718d9765706899e31{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-5npx6q-578386849b088e3718d9765706899e31 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-5npx6q-578386849b088e3718d9765706899e31 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-5npx6q-578386849b088e3718d9765706899e31 av-special-heading-h2 blockquote modern-quote  avia-builder-el-32  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Wie funktioniert die betriebliche Altersvorsorge?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-5m4pru-c76b68262d081b34d0c70c040d0ca05f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Mit Hilfe Ihres Arbeitgebers und einer staatlichen F\u00f6rderung k\u00f6nnen Sie sich mit einer betrieblichen Altersvorsorge ein zus\u00e4tzliches Standbein f\u00fcr das Alter aufbauen.<\/p>\n<p>Sie vereinbaren eine feste Summe, die Sie monatlich investieren m\u00f6chten. Der Staat legt ungef\u00e4hr denselben Betrag zus\u00e4tzlich zu Ihrem obendrauf. Denn Ihr Arbeitgeber kann die Beitr\u00e4ge aus Ihrem Bruttogehalt an den Versorgungstr\u00e4ger \u00fcberweisen. Dadurch werden Steuer- und Sozialversicherungsbeitr\u00e4ge eingespart, die in Ihre Betriebsrente flie\u00dfen k\u00f6nnen. Ihr Betrag wird zus\u00e4tzlich von BBG mit 15% bezuschusst.<\/p>\n<\/div><\/section><\/p><\/div>\n<\/p>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='vorteile'  class='avia-section av-jkm3e-e4ffa372e6e926c7683b3fc708627708 main_color avia-section-default avia-no-shadow  avia-builder-el-34  el_after_av_section  el_before_av_section  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-55exf6-8fc58748b331eb1c53dcffaeeba583b9\">\n.flex_column.av-55exf6-8fc58748b331eb1c53dcffaeeba583b9{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-55exf6-8fc58748b331eb1c53dcffaeeba583b9 av_one_full  avia-builder-el-35  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-53smnm-5cfc5afc9bf7e83841ff7f7ffcbdd150\">\n#top .av-special-heading.av-53smnm-5cfc5afc9bf7e83841ff7f7ffcbdd150{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-53smnm-5cfc5afc9bf7e83841ff7f7ffcbdd150 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-53smnm-5cfc5afc9bf7e83841ff7f7ffcbdd150 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-53smnm-5cfc5afc9bf7e83841ff7f7ffcbdd150 av-special-heading-h2 blockquote modern-quote  avia-builder-el-36  avia-builder-el-no-sibling '><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Exklusive Vorteile f\u00fcr Sie<\/h2><div class='av-subheading av-subheading_below'><p>Verwirklichen Sie Ihre Tr\u00e4ume mit der betrieblichen Altersvorsorge<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4x5eru-5cf0f2b65525e211eab88f8050b8964c\">\n.flex_column.av-4x5eru-5cf0f2b65525e211eab88f8050b8964c{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-4x5eru-5cf0f2b65525e211eab88f8050b8964c av_one_half  avia-builder-el-37  el_after_av_one_full  el_before_av_one_half  first flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4oe4gq-c0aa4ad0d8b77aa54e9e3e789f785292\">\n#top .avia-icon-list-container.av-4oe4gq-c0aa4ad0d8b77aa54e9e3e789f785292 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-4oe4gq-c0aa4ad0d8b77aa54e9e3e789f785292 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-4oe4gq-c0aa4ad0d8b77aa54e9e3e789f785292  avia-builder-el-38  el_before_av_iconlist  avia-builder-el-first '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-4oe4gq-c0aa4ad0d8b77aa54e9e3e789f785292 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-1mwq2-88cd7eb4789fc265c8d5ef41a6103c46 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Arbeitgeberf\u00f6rderung<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Ihr Arbeitgeber unterst\u00fctzt Ihre Betriebsrente mit 15%.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-fyqxu-12465d33cf3dc323f12334c859be94a8\">\n#top .avia-icon-list-container.av-fyqxu-12465d33cf3dc323f12334c859be94a8 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-fyqxu-12465d33cf3dc323f12334c859be94a8 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-fyqxu-12465d33cf3dc323f12334c859be94a8  avia-builder-el-39  el_after_av_iconlist  el_before_av_iconlist '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-fyqxu-12465d33cf3dc323f12334c859be94a8 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-4a1x4q-e94bed793d932f01c7079dc082db452a avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Steuern erst bei Rentenzahlung f\u00e4llig<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Die Auszahlungen im Alter werden zwar besteuert, doch das ist meist vorteilhafter als w\u00e4hrend der Erwerbszeit.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-41tr3e-83fe3666468981c90e34ad2123afbb90\">\n#top .avia-icon-list-container.av-41tr3e-83fe3666468981c90e34ad2123afbb90 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-41tr3e-83fe3666468981c90e34ad2123afbb90 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-41tr3e-83fe3666468981c90e34ad2123afbb90  avia-builder-el-40  el_after_av_iconlist  el_before_av_iconlist '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-41tr3e-83fe3666468981c90e34ad2123afbb90 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-3ycos2-546b72e2e1423765ee21c7485a46e513 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Absicherung bei Arbeitslosigkeit<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Ihre Betriebsrente ist &#8222;B\u00fcrgergeldsicher&#8220; (ehemals Hartz IV), d.h. sie wird bei einem Verlust des Arbeitsplatzes nicht herangezogen.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3nuht6-95e7f54fc6686511bc06c2069a7f53a7\">\n#top .avia-icon-list-container.av-3nuht6-95e7f54fc6686511bc06c2069a7f53a7 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-3nuht6-95e7f54fc6686511bc06c2069a7f53a7 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-3nuht6-95e7f54fc6686511bc06c2069a7f53a7  avia-builder-el-41  el_after_av_iconlist  el_before_av_iconlist '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-3nuht6-95e7f54fc6686511bc06c2069a7f53a7 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-3j34tu-d362a93bd1ece39c3ba194cae0222211 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Lebenslange garantierte Rente<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Mit einer bAV st\u00e4rken Sie Ihre eigene Altersvorsorge und erhalten eine lebenslange Rente oder eine einmalige Auszahlung &#8211; Sie haben die Wahl.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3ep7n6-b192faed342a3875019bce70707c4d03\">\n#top .avia-icon-list-container.av-3ep7n6-b192faed342a3875019bce70707c4d03 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-3ep7n6-b192faed342a3875019bce70707c4d03 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-3ep7n6-b192faed342a3875019bce70707c4d03  avia-builder-el-42  el_after_av_iconlist  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-3ep7n6-b192faed342a3875019bce70707c4d03 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-3a21wa-a3a7768f33c3b3d7a80ad553d0972d78 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Steuervorteile<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Durch die Beitragszahlung aus dem Bruttogehalt k\u00f6nnen die eingesparten Steuer- und Sozialversicherungsbeitr\u00e4ge direkt in Ihre bAV einflie\u00dfen. Der Beitrag, den Sie f\u00fcr Ihre Rente sparen, ist daher fast doppelt so hoch im Vergleich zur privaten Altersvorsorge.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-33weqa-ecba2f792f53fed3129deaa5f8429dbc\">\n.flex_column.av-33weqa-ecba2f792f53fed3129deaa5f8429dbc{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-33weqa-ecba2f792f53fed3129deaa5f8429dbc av_one_half  avia-builder-el-43  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2u2y6y-dcfff6ac6cd413d5a7be943c881c3fff\">\n#top .avia-icon-list-container.av-2u2y6y-dcfff6ac6cd413d5a7be943c881c3fff .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-2u2y6y-dcfff6ac6cd413d5a7be943c881c3fff .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-2u2y6y-dcfff6ac6cd413d5a7be943c881c3fff  avia-builder-el-44  el_before_av_iconlist  avia-builder-el-first '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-2u2y6y-dcfff6ac6cd413d5a7be943c881c3fff avia-iconlist-animate'>\n<li><div class='iconlist_icon av-2sp4ze-0e0ab404461cb698861ff4d9b1529521 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Arbeitgeberwechsel<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Bei einem Wechsel zu einem neuen Arbeitgeber bleiben Ihre bisher eingezahlten Beitr\u00e4ge erhalten.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2l9owa-0df125899e4895d0577c956b9a9877ba\">\n#top .avia-icon-list-container.av-2l9owa-0df125899e4895d0577c956b9a9877ba .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-2l9owa-0df125899e4895d0577c956b9a9877ba .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-2l9owa-0df125899e4895d0577c956b9a9877ba  avia-builder-el-45  el_after_av_iconlist  el_before_av_iconlist '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-2l9owa-0df125899e4895d0577c956b9a9877ba avia-iconlist-animate'>\n<li><div class='iconlist_icon av-ux0a-3c050a50152656baa3d48ffbc1e8bfe4 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Flexible Beitragszahlung<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Sie k\u00f6nnen die Beitr\u00e4ge monatlich reduzieren oder f\u00fcr einen bestimmten Zeitraum aussetzen.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-28wr5e-ea4815cffe20badb58253347a20e5863\">\n#top .avia-icon-list-container.av-28wr5e-ea4815cffe20badb58253347a20e5863 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-28wr5e-ea4815cffe20badb58253347a20e5863 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-28wr5e-ea4815cffe20badb58253347a20e5863  avia-builder-el-46  el_after_av_iconlist  el_before_av_iconlist '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-28wr5e-ea4815cffe20badb58253347a20e5863 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-21jeoi-50d3e2df987b190d6a01eace582c17e0 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Insolvenzschutz<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Ihre Rentenleistungen aus der bAV sind zu 100% im Fall einer Insolvenz gesch\u00fctzt.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1udck2-c02e8e01e57c4907d6f4e4847844eea0\">\n#top .avia-icon-list-container.av-1udck2-c02e8e01e57c4907d6f4e4847844eea0 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-1udck2-c02e8e01e57c4907d6f4e4847844eea0 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-1udck2-c02e8e01e57c4907d6f4e4847844eea0  avia-builder-el-47  el_after_av_iconlist  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-1udck2-c02e8e01e57c4907d6f4e4847844eea0 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-1rqiz6-6252022f8f39ace289de9960c6b310bd avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue812' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Automatische Absicherung der Hinterbliebenen<\/h4><\/header><div class='iconlist_content av_inherit_color'  itemprop=\"text\" ><p>Im Todesfall wird die vertraglich vereinbarte Versicherungssumme an die bezugsberechtigte Person ausgezahlt.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='kontakt'  class='avia-section av-1m0kmi-1196671ecec63a7066cc16487a396cf3 main_color avia-section-default avia-no-shadow  avia-builder-el-48  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-458'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1hjh8q-3491104abf7874861c2c4986663c6227\">\n.flex_column.av-1hjh8q-3491104abf7874861c2c4986663c6227{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-1hjh8q-3491104abf7874861c2c4986663c6227 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class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-t5l2q-a11e2c282787e54f8d267fc73e4a79dc'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"text-align: center;\">Ecclesia Pension &amp; Benefits GmbH<\/p>\n<p style=\"text-align: center;\">Telefon: <a href=\"tel:0913197005600\">+49 (0) 9131 97005-600<\/a><\/p>\n<p class=\"defaultFont\" style=\"text-align: center;\">E-Mail: <a href=\"mailto:beratungswunsch-ecpb@ecclesia-gruppe.de\">beratungswunsch-ecpb@ecclesia-gruppe.de<\/a><\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-247eq-fce9756b31844e868a9453aeb9381ed4-wrap avia-button-center  avia-builder-el-54  el_after_av_textblock  el_before_av_hr '><a href='https:\/\/vorsorge.bav.digital\/bbg\/kontakt\/'  class='avia-button av-247eq-fce9756b31844e868a9453aeb9381ed4 avia-icon_select-no avia-size-medium avia-position-center 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