As the policyholder, the employer takes out pension insurance on the life of an employee (insured person). The employees or his/her eligible survivors are entitled to benefit. Companies benefit, inter alia, by not incurring any balance sheet risks and the employees are not required to pay any taxes or social security contributions on the premiums. HDI offers a choice between ‘TwoTrust Selekt’,’ TwoTrust Vario’ and ‘TwoTrust Kompakt’, the successor tariffs to the previous company/active pension. The product solutions differ above all in the scope of the guarantees provided and forms of capital investment. Companies can also offer their employees income protection as a financial benefit as part of a CRP scheme, in case they later become occupationally incapacitated or occupationally disabled. To insure employees against such eventualities, occupational incapacity/occupational disability insurance, ‘EGO Top’ and ‘EGO Basic’, which meet the respective requirements with different hedging levels/benefit levels, can be taken out.