- Group cash profits after tax of EUR 366 million match the high level of the previous year
- Customers benefit from Viridium's positive performance and its strong and stable capital position
- Group unit lapse ratio down to its lowest level to date
Viridium Group, Germany’s leading life insurance consolidator, once again reports a very successful annual performance in 2025, both operationally and financially. Group cash profits after tax – Viridium Group’s central indicator for business performance – were at EUR 366 million. This result matches the high level of the previous year (2024: EUR 380 million).1 The Group Solvency II ratio remains strong and stable at 258 percent (2024: 270 percent).
“This result further demonstrates the strength of our business model and the financial stability of our Group. Our financial success creates measurable value for our customers through significant profit allocation to policyholders and higher minimum interest rates,” says Tilo Dresig, CEO of the Viridium Group. “With our successfully established business model and our new, long-term ownership structure, we will continue to make an important contribution to the strategic repositioning and competitiveness of the industry as a partner to life insurers seeking to transfer their closed life insurance portfolios.”
Viridium allocated gross surplus of EUR 462 million to provisions for premium refunds in 2025, coming close to the very high level of the previous year (2024: EUR 509 million). For customers of Proxalto Lebensversicherung and Entis Lebensversicherung minimum interest rates were improved for a third consecutive time, effective from the start of 2026. Proxalto Lebensversicherung increased its minimum interest rate to 2.7 percent. This is by far the largest improvement in the entire German market over the past three years. Entis Lebensversicherung further increased its rate by 0.05 percentage points to 3.4 percent and ranks among the highest in the German market.2
The Group’s unit lapse ratio declined to 1.6 percent, the lowest level to date (2024: 1.7 percent). The lapse ratio is well below the market average at 2.9 percent.3 This is a strong sign of customer satisfaction.
Gross written premium totaled EUR 2.7 billion4 in 2025 (2024: EUR 2.8 billion). As of year-end 2025, Viridium managed approximately 3.1 million contracts (2024: 3.2 million) and EUR 67 billion5 in assets (2024: EUR 66 billion). This development is consistent with the profile of the Viridium Group’s life insurance portfolios. Viridium is one of the five largest life insurance groups in the German market.6
The Group annual report is available on Viridium Group's website.
1 For 2024: Group cash profits after tax for Viridium Group GmbH & Co. KG; from 2025: Group cash profits after tax for Viridium Group Sarl.
2 Source: Assekurata-Marktstudie zu Überschussbeteiligungen und Garantien 2026.
3 Source: GDV: Stornoanalyse 2024-2025.
4 Total gross premium income of Viridium’s four life insurance companies for the entire 2025 fiscal year.
5 Sum of book values of Viridium’s four life insurance companies on German GAAP basis.
6 Based on unconsolidated sum of book values on German GAAP basis as of year-end 2024 across life insurance entities belonging to each respective group.