Your entry into bAKS: more sales without a health check

In XEMPUS advisor, you can consult corporate income protection (bAKS) easily and without hurdles as part of a holistic occupational pension plan.

The potential of occupational pension plans

  • Every 4th person in Germany becomes unable to work
  • Only 14 million Germans have income protection
  • Employer-financed bAKS solves cost problem for insured persons
  • bAKS completes the company pension plan

The advantages of bAKS consulting in XEMPUS advisor

  • Convince your employer customers faster with exclusive sales material in the Budget Advisor.
  • Depending on the insurer, take out bAKS collective contracts without a health check.
  • Arrange a pension package consisting of bAV, bKV and bAKS.
  • Provide completely digital and guided consulting without additional effort.

The most important arguments for your acquisition

Advantages for employers


  • Existing budget (e.g. for salary increase) can be used for bAKS or other pension products.
  • Additional attractiveness and visibility in the war for talent
  • Retain employees in the company and provide security
  • All-round protection for employees with a budget
  • Making occupational pensions affordable

Advantages for employees


  • Free cover before retirement
  • Access to bAKS may also be possible with a pre-existing condition
  • Declaration of official duties (DOE) instead of health check
  • Reduction of the pension gap in the event of an occupational disability

How the bAKS consultation route works

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Start the bAKS consulting route now

Your partners for bAKS consulting

We are continuously expanding our partners’ range.

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