The article investigates ineffective clauses in pension insurance contracts that aim to reduce the pension factor.
Analysis of legal texts related to pension agreements.
Evaluation of contractual clauses in pension policies.
Comparison of pension benefit calculations.
Identified specific clauses that do not legally reduce the pension factor.
Determined potential financial implications for policyholders.
Highlighted non-compliance with existing pension regulations.
Abstract
Article Fondsgebundene Riester-Rentenversicherung: Unwirksame Klauseln zur Herabsetzung des Rentenfaktors was published on February 1, 2026 in the journal Monatsschrift für Deutsches Recht (volume 80, issue 4).