Purchase of life insurance
“Why wait when your money could already be yours?”
Your money shouldn't wait – it should work
Why wait years for an uncertain and ever-dwindling payout from your life insurance policy?
We put an end to empty promises: convert your policy into cash – quickly, securely and guaranteed. So you can make your dreams come true – for example, your own house in the paradise of the Philippines.
Purpose of the purchase
The purchase of life and pension insurance policies, Riester and building society savings agreements and similar policies gives you the opportunity to finally regain access to the capital you have paid in over decades.
Instead of passively accepting falling returns, high costs and statutory reductions, with us you will receive a fair payout – within 18 days at the latest.
Benefits for the customer
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Fast liquidity
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Payment no later than 18 days after submission of all documents – your money is available to you immediately.
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Purchase guarantee
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We guarantee the purchase of policies from German and Austrian insurance companies as well as contracts concluded under German or Austrian law.
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Broad contract coverage
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We purchase life and pension insurance policies, Riester and building society contracts, accident insurance policies with premium refunds and state-subsidised pension plans.
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More money through bonus & tax effects
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40% capital gains tax bonus for policies taken out after 2005 (for persons liable for tax in Germany).
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Loss offset possible: the difference between payments and the sale price can be claimed for tax purposes.
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Legal certainty
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Cooperation with renowned consumer protection lawyers, comprehensive follow-up and monitoring of your policies even after termination.
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Experience and trust
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Over 20 years of experience in purchasing insurance policies and contracts. We take care of the entire process for you.
The procedure
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You submit your documents to us.
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We review the policy from a legal and actuarial perspective.
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You will receive approval within a few days.
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Your payment is guaranteed to be made no later than the 18th day after receipt of the complete documents.
Your advantage: freedom instead of waiting
Your money finally works for you – not for insurers.
Use your payout to fulfil your dreams:
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Your own house or flat in the sunny paradise of the Philippines,
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financial independence in retirement,
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or simply greater security and quality of life.
Act now
The longer you wait, the more you lose.
Turn your policy into cash – and your money into joie de vivre.
👉Only a few documents are required to sell your insurance policy:
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Purchase and assignment agreement (fully completed and signed in the original)
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Original policy from the insurance company (insurance certificate)
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Latest value notification from your insurance company
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Copy of the policyholder's ID
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For Riester and UPR contracts, please use this form
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Please send these documents to: PACTA Invest GmbH, Karlstraße 24, 84034 Landshut, Germany
In addition to the above documents, the following special features must be taken into account when selling your occupational pension scheme:
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The purchase and assignment agreement, including power of attorney, must be completed by both the employee and the employer.
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An extract from the commercial register is also required.