Tilman Freyenhagen

Before moving into publishing, Tilman Freyenhagen spent 13 years on the insurer side of the business. At R+V and Condor, he ran the life and health insurance business as an authorised signatory (Prokurist) and head of key accounts — precisely the product world that the Riester-Rente, and now the Altersvorsorgedepot, comes from. He knows state-subsidised retirement provision not from theory but from the contracts, the allowances and the advisory conversations themselves.

In 2013 he joined Alsterspree Verlag as a partner, taking charge of sales and marketing. Among other titles, the publisher produces the trade magazine procontra and handles finance and insurance communication for brokers and insurers. That dual role — product expert and publisher — shapes how he writes about retirement provision: close to the detail, but never leaving the reader stranded in jargon.

For Vorsorgedepot-Lotse, he places the new Altersvorsorgedepot exactly where most readers' questions arise: comparing it with Riester, Rürup, private pension insurance and an ETF savings plan, and weighing up whether switching out of an existing contract pays off. His yardstick isn't what sells, but what actually adds up for the individual saver.