{"id":458,"date":"2017-11-28T10:00:27","date_gmt":"2017-11-28T09:00:27","guid":{"rendered":"https:\/\/vorsorge.bav.digital\/gls\/?page_id=458"},"modified":"2025-10-15T15:07:23","modified_gmt":"2025-10-15T13:07:23","slug":"bav","status":"publish","type":"page","link":"https:\/\/vorsorge.bav.digital\/gls\/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-b742rm-784f0b3591b0d4b5d27b8e2311c84142 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-b742rm-784f0b3591b0d4b5d27b8e2311c84142__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\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-scaled.jpg\" width=\"2560\" height=\"807\" title='Header-bAV' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-scaled.jpg 2560w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-300x95.jpg 300w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-1030x325.jpg 1030w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-768x242.jpg 768w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-1536x484.jpg 1536w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-2048x646.jpg 2048w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-1500x473.jpg 1500w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/header-bav-705x222.jpg 705w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/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-auoi42-e2d7d9dc02227e07ab68fa42a59e030a 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-ao5f5e-44698c9385a5947920e7b1f6b91a68c1\">\n.flex_column.av-ao5f5e-44698c9385a5947920e7b1f6b91a68c1{\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-ao5f5e-44698c9385a5947920e7b1f6b91a68c1 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-ajyfyq-ccb23e8c234570c86c09597c63958486\">\n#top .hr.hr-invisible.av-ajyfyq-ccb23e8c234570c86c09597c63958486{\nheight:15px;\n}\n<\/style>\n<div  class='hr av-ajyfyq-ccb23e8c234570c86c09597c63958486 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-acisxm-a27132cb238b954563114c7d6190a7a5\">\n#top .av-special-heading.av-acisxm-a27132cb238b954563114c7d6190a7a5{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-acisxm-a27132cb238b954563114c7d6190a7a5 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-acisxm-a27132cb238b954563114c7d6190a7a5 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-acisxm-a27132cb238b954563114c7d6190a7a5 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\"  >Eure 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-10u6my-b38a72a370b1237fc1d696156cf2c245'  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-9xxc9m-a0744eb835e4b4509cd1d5ded751860f-wrap avia-button-left  avia-builder-el-6  el_after_av_textblock  avia-builder-el-last '><a href='\/kontakt'  class='avia-button av-9xxc9m-a0744eb835e4b4509cd1d5ded751860f avia-icon_select-no avia-size-small 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-9vmzre-94268ac8d24861b3f133dbb9ba7e7e00\">\n.flex_column.av-9vmzre-94268ac8d24861b3f133dbb9ba7e7e00{\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-9vmzre-94268ac8d24861b3f133dbb9ba7e7e00 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-lssu0ll6-4163d5ad8223b4a9ef05944cbd492c30\">\n.avia-video.av-lssu0ll6-4163d5ad8223b4a9ef05944cbd492c30{\nbackground-image:url(https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2024\/02\/video-thumbnail-bav-300x225.jpg);\n}\n<\/style>\n<div  class='avia-video av-lssu0ll6-4163d5ad8223b4a9ef05944cbd492c30 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-9l66y2-a7a8a85755a00cd82e30ae1788a18ea2\">\n#top .av_textblock_section.av-9l66y2-a7a8a85755a00cd82e30ae1788a18ea2 .avia_textblock{\ncolor:#0f457f;\n}\n<\/style>\n<section  class='av_textblock_section av-9l66y2-a7a8a85755a00cd82e30ae1788a18ea2'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock av_inherit_color'  itemprop=\"text\" ><p>Eure 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-xk8hu-4e8140ce81a9303b8857ad1124432e21 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-96bnw2-85bb94bcc0cb3758bb0e319cbf3c72a1\">\n.flex_column.av-96bnw2-85bb94bcc0cb3758bb0e319cbf3c72a1{\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-96bnw2-85bb94bcc0cb3758bb0e319cbf3c72a1 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-92jkyy-bbe48357b524abaf383f06eb64ef807a\">\n#top .hr.hr-invisible.av-92jkyy-bbe48357b524abaf383f06eb64ef807a{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-92jkyy-bbe48357b524abaf383f06eb64ef807a 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-8tx51m-efed61f30d844e7e526dfcf5198fb73f\">\n.avia-image-container.av-8tx51m-efed61f30d844e7e526dfcf5198fb73f img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-8tx51m-efed61f30d844e7e526dfcf5198fb73f .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-8tx51m-efed61f30d844e7e526dfcf5198fb73f 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\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/drei-saeulenmodell.jpg\" alt='' title='Drei S\u00e4ulenmodell'  height=\"541\" width=\"960\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/drei-saeulenmodell.jpg 960w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/drei-saeulenmodell-300x169.jpg 300w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/drei-saeulenmodell-768x433.jpg 768w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/drei-saeulenmodell-705x397.jpg 705w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/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-8or9oq-49a04a8afd13ffe8cf59f9abf5ed4aee\">\n.flex_column.av-8or9oq-49a04a8afd13ffe8cf59f9abf5ed4aee{\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-8or9oq-49a04a8afd13ffe8cf59f9abf5ed4aee 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-8kh9pe-498c8d8427f08675edf6592faa3f6616\">\n#top .av-special-heading.av-8kh9pe-498c8d8427f08675edf6592faa3f6616{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-8kh9pe-498c8d8427f08675edf6592faa3f6616 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-8kh9pe-498c8d8427f08675edf6592faa3f6616 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-8kh9pe-498c8d8427f08675edf6592faa3f6616 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-8bcaca-ffcf38dfbc425a722a4fe4a8a20a8e07'  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; Ihr kennt 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\u00e4tiger 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-85u3b6-2f7866ff8fa6a55d29d01769e24db373\">\n.flex_column.av-85u3b6-2f7866ff8fa6a55d29d01769e24db373{\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-85u3b6-2f7866ff8fa6a55d29d01769e24db373 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-83o3fu-3389d32ce59f634d65ce9b0fce5b8db0'  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 bessere Konditionen \u00fcber ihren Arbeitgeber als am privaten Vorsorgemarkt. Au\u00dferdem zahlen bei dem Modell der Betriebsrente neben den Arbeitnehmern 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-7tvnxu-7bf57cd48b246a37407ce66052de2e7d 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-7pej0i-27aa682f73caa68db758e180399a4f22\">\n.flex_column.av-7pej0i-27aa682f73caa68db758e180399a4f22{\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-7pej0i-27aa682f73caa68db758e180399a4f22 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-7l912i-71ea7e16965a236dd9309cef9de90fb9\">\n#top .av-special-heading.av-7l912i-71ea7e16965a236dd9309cef9de90fb9{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-7l912i-71ea7e16965a236dd9309cef9de90fb9 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-7l912i-71ea7e16965a236dd9309cef9de90fb9 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-7l912i-71ea7e16965a236dd9309cef9de90fb9 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-7cccbe-ec10b00eebe2bd4299d221feeb42bbae'  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 sichert Ihr Euch eine zus\u00e4tzliche Rente f\u00fcr die Rentenzeit. Nutzt die Chance auf die F\u00f6rderung des Staates und die Eures Arbeitgebers. Je fr\u00fcher Ihr mit der Vorsorge beginnt, umso besser.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-74s5pe-149ef7ae5fdd5d8911e99ab37c6ad3b4\">\n.flex_column.av-74s5pe-149ef7ae5fdd5d8911e99ab37c6ad3b4{\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-74s5pe-149ef7ae5fdd5d8911e99ab37c6ad3b4 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-6z8ahm-db7bf33054f62bc90732de7386b001a9\">\n#top .hr.hr-invisible.av-6z8ahm-db7bf33054f62bc90732de7386b001a9{\nheight:5px;\n}\n<\/style>\n<div  class='hr av-6z8ahm-db7bf33054f62bc90732de7386b001a9 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-6xib0a-31ec2b468f3be3b099b248c489f8f015\">\n.iconbox.av-6xib0a-31ec2b468f3be3b099b248c489f8f015 .iconbox_icon{\nborder:1px solid #0f457f;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-6xib0a-31ec2b468f3be3b099b248c489f8f015 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;\">Werdet aktiv und nehmt Kontakt zu den Experten von Ecclesia Pension &amp; Benefits auf, um einen ersten unverbindlichen Beratungstermin zu vereinbaren.<\/p>\n<p style=\"text-align: center;\">Wir freuen uns auf Euch!<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n<div  class='avia-button-wrap av-6mvnjm-ebbf07dfcf1c30064ebfd040bfc55c68-wrap avia-button-center  avia-builder-el-26  el_after_av_icon_box  el_before_av_hr '><a href='\/kontakt'  class='avia-button av-6mvnjm-ebbf07dfcf1c30064ebfd040bfc55c68 avia-icon_select-no avia-size-small 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-6jad82-468e122951cb2fb9a70de27281aef13d\">\n#top .hr.hr-invisible.av-6jad82-468e122951cb2fb9a70de27281aef13d{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-6jad82-468e122951cb2fb9a70de27281aef13d 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-6dhl0q-6682d0f9f79e0aa70b47c33bc52256c8 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-677gl6-9fe25cb77ecb9da57ecdada52d5b4b8f\">\n.flex_column.av-677gl6-9fe25cb77ecb9da57ecdada52d5b4b8f{\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-677gl6-9fe25cb77ecb9da57ecdada52d5b4b8f 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-63ci9u-a8f0e0b72e3a1978fdd9eba8545ff5dc\">\n.avia-image-container.av-63ci9u-a8f0e0b72e3a1978fdd9eba8545ff5dc img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-63ci9u-a8f0e0b72e3a1978fdd9eba8545ff5dc .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-63ci9u-a8f0e0b72e3a1978fdd9eba8545ff5dc 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\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/eigenbeitrag-webseite-bav.jpg\" alt='' title='Eigenbeitrag Webseite bAV'  height=\"398\" width=\"591\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/eigenbeitrag-webseite-bav.jpg 591w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/2021\/06\/eigenbeitrag-webseite-bav-300x202.jpg 300w, https:\/\/vorsorge.bav.digital\/gls\/wp-content\/uploads\/sites\/96\/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-5uwsmq-5721f54388a9dc077d3070de1e8602db\">\n.flex_column.av-5uwsmq-5721f54388a9dc077d3070de1e8602db{\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-5uwsmq-5721f54388a9dc077d3070de1e8602db 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-5nx92q-013e06273e2deeb1cb522de3639a3e59\">\n#top .av-special-heading.av-5nx92q-013e06273e2deeb1cb522de3639a3e59{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-5nx92q-013e06273e2deeb1cb522de3639a3e59 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-5nx92q-013e06273e2deeb1cb522de3639a3e59 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-5nx92q-013e06273e2deeb1cb522de3639a3e59 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-5lrdu2-016d1712dd6e0af7338210d8228ab7af'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Mit Hilfe Eures Arbeitgebers und einer staatlichen F\u00f6rderung k\u00f6nnt Ihr Euch mit einer betrieblichen Altersvorsorge ein zus\u00e4tzliches Standbein f\u00fcr das Alter aufbauen.<\/p>\n<p>Ihr vereinbart eine feste Summe, die Ihr monatlich investieren m\u00f6chtet. Der Staat legt ungef\u00e4hr denselben Betrag zus\u00e4tzlich zu Eurem obendrauf. Denn Euer Arbeitgeber kann die Beitr\u00e4ge aus Eurem Bruttogehalt an den Versorgungstr\u00e4ger \u00fcberweisen. Dadurch werden Steuer- und Sozialversicherungsbeitr\u00e4ge eingespart, die in Eure Betriebsrente flie\u00dfen k\u00f6nnen. Euer Betrag wird zus\u00e4tzlich von GLS mit 15 % (mind. 25\u20ac) 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-5efeqy-028e4dec1815f40a7859cecf925c82cf 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-55dk1e-f0b4651ae112c8d7fa029e115c111183\">\n.flex_column.av-55dk1e-f0b4651ae112c8d7fa029e115c111183{\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-55dk1e-f0b4651ae112c8d7fa029e115c111183 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-515tui-fabc4cd161fa00a81b4c4048b05c37e0\">\n#top .av-special-heading.av-515tui-fabc4cd161fa00a81b4c4048b05c37e0{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-515tui-fabc4cd161fa00a81b4c4048b05c37e0 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-515tui-fabc4cd161fa00a81b4c4048b05c37e0 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-515tui-fabc4cd161fa00a81b4c4048b05c37e0 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 Euch<\/h2><div class='av-subheading av-subheading_below'><p>Verwirklicht Eure 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-4vedhe-fc5d29d8acf3ee4f019659977a0da6b7\">\n.flex_column.av-4vedhe-fc5d29d8acf3ee4f019659977a0da6b7{\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-4vedhe-fc5d29d8acf3ee4f019659977a0da6b7 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-4p1c42-db08782adcf3fd58b4e7dd0367094982\">\n#top .avia-icon-list-container.av-4p1c42-db08782adcf3fd58b4e7dd0367094982 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-4p1c42-db08782adcf3fd58b4e7dd0367094982 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-4p1c42-db08782adcf3fd58b4e7dd0367094982  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-4p1c42-db08782adcf3fd58b4e7dd0367094982 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-4lpz1m-430139b21e61dfaef3594197a9c411e9 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>Euer Arbeitgeber unterst\u00fctzt Eure Betriebsrente mit 15 % (mind. 25\u20ac).<\/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-4g6nw2-06b175fe956a4ec044f1987a970539a9\">\n#top .avia-icon-list-container.av-4g6nw2-06b175fe956a4ec044f1987a970539a9 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-4g6nw2-06b175fe956a4ec044f1987a970539a9 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-4g6nw2-06b175fe956a4ec044f1987a970539a9  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-4g6nw2-06b175fe956a4ec044f1987a970539a9 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-4aawfm-95192b63b0a8fa49dd88af8d88c0f42b 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-ed08i-ac6181dcd79fed7d28fbedc958943df8\">\n#top .avia-icon-list-container.av-ed08i-ac6181dcd79fed7d28fbedc958943df8 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-ed08i-ac6181dcd79fed7d28fbedc958943df8 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-ed08i-ac6181dcd79fed7d28fbedc958943df8  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-ed08i-ac6181dcd79fed7d28fbedc958943df8 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-3vsvzu-4cc108ac7cd0963ddbaaeb292def2783 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-3ptpuq-1deb213cfa43acfb781ddc306759171a\">\n#top .avia-icon-list-container.av-3ptpuq-1deb213cfa43acfb781ddc306759171a .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-3ptpuq-1deb213cfa43acfb781ddc306759171a .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-3ptpuq-1deb213cfa43acfb781ddc306759171a  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-3ptpuq-1deb213cfa43acfb781ddc306759171a avia-iconlist-animate'>\n<li><div class='iconlist_icon av-3l3g82-a40de65b2b128231c19695a0e3133352 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\u00e4rkt Ihr Eure eigene Altersvorsorge und erhaltet eine lebenslange Rente oder eine einmalige Auszahlung &#8211; Ihr habt 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-3eu196-b573b6b2aa6ea4ae283d21ee790d53c4\">\n#top .avia-icon-list-container.av-3eu196-b573b6b2aa6ea4ae283d21ee790d53c4 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-3eu196-b573b6b2aa6ea4ae283d21ee790d53c4 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-3eu196-b573b6b2aa6ea4ae283d21ee790d53c4  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-3eu196-b573b6b2aa6ea4ae283d21ee790d53c4 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-37z1a2-a7a72fb0a7d59829fecaeccfbc689190 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 Eure bAV einflie\u00dfen. Der Beitrag, den Ihr f\u00fcr eure Rente spart, 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-352msi-5a0549a91e21bfbd0936b031270c8651\">\n.flex_column.av-352msi-5a0549a91e21bfbd0936b031270c8651{\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-352msi-5a0549a91e21bfbd0936b031270c8651 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-2yqsmq-041465aebc936fe6b47d46cb0371f0ec\">\n#top .avia-icon-list-container.av-2yqsmq-041465aebc936fe6b47d46cb0371f0ec .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-2yqsmq-041465aebc936fe6b47d46cb0371f0ec .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-2yqsmq-041465aebc936fe6b47d46cb0371f0ec  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-2yqsmq-041465aebc936fe6b47d46cb0371f0ec avia-iconlist-animate'>\n<li><div class='iconlist_icon av-2rh4vm-25676cd01459730df0217fcf6251c7aa 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 Eure 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-2ldhgy-ce1d70097d15176bbd3c8535bdc34c66\">\n#top .avia-icon-list-container.av-2ldhgy-ce1d70097d15176bbd3c8535bdc34c66 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-2ldhgy-ce1d70097d15176bbd3c8535bdc34c66 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-2ldhgy-ce1d70097d15176bbd3c8535bdc34c66  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-2ldhgy-ce1d70097d15176bbd3c8535bdc34c66 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-2epmfu-c24ea426f3df41daa0ff2a12b2ce9480 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>Ihr k\u00f6nnt 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-2au8oy-9f22c8a07bfb0a800b379d9624f53664\">\n#top .avia-icon-list-container.av-2au8oy-9f22c8a07bfb0a800b379d9624f53664 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-2au8oy-9f22c8a07bfb0a800b379d9624f53664 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-2au8oy-9f22c8a07bfb0a800b379d9624f53664  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-2au8oy-9f22c8a07bfb0a800b379d9624f53664 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-21htky-ac2bb5ac95ac8bd8d8a0654fb3a8e806 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>Eure 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-1u37l6-314f91307e8e075a4545ec2072930598\">\n#top .avia-icon-list-container.av-1u37l6-314f91307e8e075a4545ec2072930598 .iconlist_icon{\nbackground-color:#0f457f;\n}\n.avia-icon-list-container.av-1u37l6-314f91307e8e075a4545ec2072930598 .iconlist_content{\ncolor:#34393b;\n}\n<\/style>\n<div  class='avia-icon-list-container av-1u37l6-314f91307e8e075a4545ec2072930598  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-1u37l6-314f91307e8e075a4545ec2072930598 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-1orj4i-e7faf81a8d42897150503991c2a35e07 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 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class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-2s3qy-61928324f1f12c5b008645f0921313c5'  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 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-k2uqa-44a4a2d5ebd030c586bb1558497ec9ef-wrap avia-button-center  avia-builder-el-54  el_after_av_textblock  el_before_av_hr '><a href='\/kontakt'  class='avia-button av-k2uqa-44a4a2d5ebd030c586bb1558497ec9ef avia-icon_select-no avia-size-small avia-position-center avia-color-theme-color'  ><span class='avia_iconbox_title' >Kontakt aufnehmen<\/span><\/a><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-hh61m-2a1e8d26606682c29b01f7a1f98a6f80\">\n#top .hr.hr-invisible.av-hh61m-2a1e8d26606682c29b01f7a1f98a6f80{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-hh61m-2a1e8d26606682c29b01f7a1f98a6f80 hr-invisible  avia-builder-el-55  el_after_av_button  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9bklm-b3caa19cf1f527085d1477411ddc4109\">\n.flex_column.av-9bklm-b3caa19cf1f527085d1477411ddc4109{\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-9bklm-b3caa19cf1f527085d1477411ddc4109 av_one_third  avia-builder-el-56  el_after_av_one_third  avia-builder-el-last  flex_column_div av-zero-column-padding ' 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