Viridium: Proxalto and Entis increase allocated profits again in 2025

• Current minimum interest rate for Proxalto further increased to 2.6 percent and thus more than doubled within the last two years
• Entis also increased the minimum interest rate to 3.35 percent, at top of the German market
• All life insurance companies of Viridium Group offer their customers above market average interest rates ¹

Viridium Group, Germany’s leading life insurance consolidator, again increases the allocated profits for its traditional life insurers Proxalto Lebensversicherung and Entis Lebensversicherung as of 1^st January 2025. There will be no changes to the minimum interest rates for the mainly unit-linked focused insurers Heidelberger Lebensversicherung and Skandia Lebensversicherung.

Tilo Dresig, CEO of Viridium: "The latest increase of our allocated profits is further proof of our mission to make existing life insurance policies more attractive. We create tangible value for our customers and shareholders. This is evidenced in improved returns, strong capitalisation and our single, modern business platform."

Break-down of allocated profits increases

As of 2025, Proxalto Lebensversicherung will increase its current minimum interest rate to 2.6 percent and thus be above the current market average. This is an increase of 0.25 percentage points compared to the current year. The minimum interest rate was already significantly increased by 1.1 percentage points for 2024. Before the acquisition of Proxalto Lebensversicherung by Viridium, its minimum interest rate was 1.25 percent, one of the lowest in the German market. Viridium has executed an extensive modernisation programme. This included a complete renewal of the IT and customer service platform as well as an improved investment strategy and increased financial stability. This allowed to more than double the profit participation for customers.

With a minimum interest rate of 3.25 percent in 2024, Entis Lebensversicherung already offers one of the highest rates in German market. ¹ This minimum interest rate will now be further increased by 0.1 percentage points to 3.35 percent in 2025.

Advantages of the Viridium business model

Viridium consolidates and manages previously highly fragmented insurance portfolios on a single, modern business platform. Viridium has already invested over 700 million euros in the comprehensive modernization of IT, customer service, and central functions of the acquired portfolios over the past ten years. These costs are fully borne by Viridium and are not shared with customers, as is common standard in the market

As a result, customers benefit directly from the advantages of Viridium's business model as the leading consolidator in Germany. As an example, Proxalto Lebensversicherung, the largest insurance company within Viridium Group, has allocated around 1 billion euros more to the provision for premium refunds (RfB) since Viridium acquired it five years ago compared to what was previously the case. This represents an additional benefit for customers on top of the interest rate guarantee.

Key figures

^{[1] See Assekurata-Marktstudie on allocated profits and guarantees in 2024.
[2] All values are without adjustment for any closing surplus components.}