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The compulsory state pension, influenced by demographic change, is facing increasing funding difficulties. Therefore, a private pension has become indispensable for most. While previously only a small part of the population was dependent on a private pension, it has gained significant import in recent years. Very few pensioners will be able to sustain themselves during their retirement with the payments from the state pension fund alone. With medical advances, the life expectancy of people in recent decades has risen steadily.