{"id":7711,"date":"2025-08-07T10:28:20","date_gmt":"2025-08-07T08:28:20","guid":{"rendered":"https:\/\/atb.law\/?post_type=blog-post&#038;p=7711"},"modified":"2026-03-14T10:26:04","modified_gmt":"2026-03-14T09:26:04","slug":"life-class-sixty-plus-failed-retirement-provision","status":"publish","type":"blog-post","link":"https:\/\/atb.law\/en\/blog-post\/life-class-sixty-plus-fehlgeschlagene-altersvorsorge\/","title":{"rendered":"Life Class Sixty Plus \u2013 Failed Retirement Provision?"},"content":{"rendered":"<!-- meetergo widget start -->\n<script>\n  window.meetergo = window.meetergo || function(){ (window.meetergo.q = window.meetergo.q || []).push(arguments); };\n  meetergo('init', {\n    floatingButton: {\n      position: \"top-left\",\n      text: \" Erstgespr\u00e4ch buchen\",\n      link: \"https:\/\/cal.meetergo.com\/taudes\/15-min-erstgesprach-mit-rechtsanwalt-roman-taudes\",\n      backgroundColor: \"#144B5A\",\n      textColor: \"#FFFFFF\",\n      icon: \"CalendarPlus2\",\n      animation: \"none\"\n    },\n  });\n<\/script>\n<script defer src=\"https:\/\/liv-showcase.s3.eu-central-1.amazonaws.com\/browser-v4.js\"><\/script>\n<!-- meetergo widget end -->\n<h2 id=\"page-was-ist-life-class-sixty-plus\"><strong>What is \u201eLife Class Sixty Plus\u201c?<\/strong><\/h2>\n<p>The pension scheme \u201eLife Class Sixty Plus\u201c was distributed via IFA AG starting from around 2005. The goal of this supposedly secure pension scheme was to obtain an additional pension for retirement. The financial model typically consisted of three components:<\/p>\n<ul>\n<li><strong>Foreign currency loan:<\/strong> for financing the premiums \u2013 as a rule, the loan was taken out in Swiss francs (CHF). The primary financing banks were Volksbank and Sparkasse.<\/li>\n<li><strong>Immediate payout whole life annuity insurance with guaranteed pension and bonus pension:<\/strong> With the loan amount, an annuity insurance policy was purchased from UNIQA or WIENER ST\u00c4DTISCHE Versicherung. This annuity insurance promised a guaranteed monthly pension (monthly payout of a guaranteed amount) as well as a bonus pension.\u00a0<\/li>\n<li><strong>Unit-linked life insurance<\/strong> A unit-linked life insurance policy with StandardLife was built up using the monthly pension payments from WIENER ST\u00c4DTISCHE or UNIQA Insurance.<\/li>\n<\/ul>\n<p><strong>The promised logic:<\/strong> At the end of the term of the unit-linked life insurance policy, the insured sum should have repaid the loan. Through the credit leverage and the projected performance of the insurance, customers were supposed to receive an attractive additional pension \u2013 while maintaining constant liquidity.<\/p>\n<p>Due to the poor performance of the Swiss franc (CHF) as well as the lower performance of the Standard Life life insurance policy, investors are now confronted with a repayment gap.\u00a0<\/p>\n<h2 id=\"page-die-realitat-hohe-kosten-fremdwahrungsrisiken-und-massive-verluste\"><strong>The reality: High costs, foreign exchange risks, and massive losses<\/strong><\/h2>\n<p>What many investors were not aware of when concluding the LifeClass Sixty Plus retirement provision:<\/p>\n<ul>\n<li>The financing structure was highly complex.<\/li>\n<li>The insurance policies caused high, often hidden costs.<\/li>\n<li>There was a massive <strong>Foreign exchange risk<\/strong> (e.g., CHF loan).<\/li>\n<li>Over the years, the guaranteed supplemental pension was reduced\u2014in some cases unlawfully\u2014by more than 50\u202f%.<\/li>\n<li>The repayment amount was often insufficient to pay off the loan.<\/li>\n<\/ul>\n<p><strong>Conclusion:<\/strong> Instead of a secure retirement provision, many customers were left with a high remaining debt, low pension payments, and the feeling of having been deceived.<\/p>\n<h2 id=\"page-wo-wir-helfen-konnen-schwerpunkt-wiener-stadtische-versicherung\"><strong>Where we can help: Focus on Wiener St\u00e4dtische Versicherung<\/strong><\/h2>\n<p>In a large number of the contracts, the <strong>Vienna Insurance Group<\/strong> integrated as an insurance partner. Our legal analysis and case practice have shown:<\/p>\n<p><strong>Especially with these contracts, we were able to find a legally actionable lever to compensate for a substantial portion of the damage.<\/strong><\/p>\n<p>In many cases, it has been possible to, <strong>high returns for our clients<\/strong> to achieve \u2013 in particular where Wiener St\u00e4dtische is the contractual partner.<\/p>\n<h2 id=\"page-was-sollten-sie-jetzt-tun\"><strong>What should you do now?<\/strong><\/h2>\n<p>If you are a \u201eLife Class Sixty Plus\u201c customer\u2014especially with the <strong>Vienna Insurance Group<\/strong> as an insurer \u2013, you should act quickly:<\/p>\n<p>\u2705 <strong>Have your contracts checked<\/strong><br \/>\u2705 <strong>Document the actual pension payments and expectations<\/strong><br \/>\u2705 <strong>Contact us for a no-obligation initial assessment<\/strong><\/p>\n<p>We represent numerous affected parties throughout Austria and know where to start with these complex models.<\/p>\n<h2 id=\"page-fazit-teure-fehlkonstruktion-mit-rechtlicher-angriffsflache\"><strong>Conclusion: Expensive flawed design with legal vulnerabilities<\/strong><\/h2>\n<p>\u201eLife Class Sixty Plus\u201c has not turned out for many to be what was promised. But it is <strong>not too late to act<\/strong>. Especially with contracts with Wiener St\u00e4dtische, there are <strong>realistic chances of recovering a significant portion of the losses<\/strong>.<\/p>\n<p>\ud83d\udce9 Contact us now \u2013 we will review your claims quickly and professionally. For a free initial assessment, Roman Taudes and his team are available at any time at <a href=\"mailto:office@atb.law\" data-wplink-edit=\"true\">office@atb.law<\/a> or by phone at <a href=\"tel:+4313912345\">01 39 12345<\/a> available.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"template":"","categories":[39],"class_list":["post-7711","blog-post","type-blog-post","status-publish","has-post-thumbnail","hentry","category-anlegerrecht"],"acf":[],"post-kategorie":"39","_post-kategorie":"field_66d947537140a","post-kurzbeschreibung":"Schadenersatz - Garantierente - Haftung","_post-kurzbeschreibung":"field_66d949fe1efe2","post-beitragsbild":"7712","_post-beitragsbild":"field_66d94a4a1efe3","post-author_post-author-name":"Roman Taudes","_post-author_post-author-name":"field_66d94a801efe5","post-author_post-author-foto":"1855","_post-author_post-author-foto":"field_66d94aa11efe6","post-author":"","_post-author":"field_66d94ee2827ca","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life Class Sixty Plus \u2013 Fehlgeschlagene Altersvorsorge? | ATB.LAW<\/title>\n<meta name=\"description\" content=\"IFA-Modell \u201eLife Class Sixty Plus\u201c entt\u00e4uscht tausende Kunden. 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