Viridium: Proxalto and Entis increase minimum interest rate for 2026 for the third consecutive year

• Minimum interest rate for Proxalto further increased to 2.7 percent and thus more than doubled since the acquisition by Viridium
• Entis is at the top of the German market in 2025 and further increases the minimum interest rate to 3.4 percent

For the third consecutive year, Viridium Group, Germany’s leading life insurance consolidator, increases the minimum interest rate for its traditional life insurers Proxalto Lebensversicherung and Entis Lebensversicherung as of 1st January 2026. The minimum interest rate remains stable for the mainly unit-linked focused life insurers Heidelberger Lebensversicherung and Skandia Lebensversicherung.

Tilo Dresig, CEO of Viridium: “The third consecutive increase in the minimum interest rate clearly demonstrates the tangible value that Viridium creates for our customers. We are proud to have executed a comprehensive and successful modernisation of the acquired life books. This includes the creation of a single, state-of-the-art platform for managing life insurance policies and the significant enhancement of the life portfolios’ earnings and risk profile. As a result, our customers directly benefit from improved returns, our strong capital position, and sustainable operational stability.”

Proxalto Lebensversicherung will increase its minimum interest rate by 0.1 percentage points to 2.7 percent for 2026. Before the acquisition of Proxalto Lebensversicherung by Viridium, its minimum interest rate was at 1.25 percent, one of the lowest in the German market. Since then, the minimum interest rate has more than doubled and is solidly above the market average¹.

Entis Lebensversicherung is at the top of the German market in 2025¹ with its minimum interest rate of 3.35 percent and will increase this rate again by 0.05 percentage points to 3.40 percent for 2026.

Key figures

^{[1] See Assekurata-Marktstudie on allocated profits and guarantees in 2025.}

^{[2] All values are without adjustment for any closing surplus components.}