The fundamental question of this article is, whether the ongoing reductions of “annuity factors” of private pensions offered by life-insurers are really an inevitable development? Examples of researches taken from the German PPP market, guiding questions for prudential and business of conduct supervision and their consequences for consumers are highlighted.

As we know, inflation is as well a statistical as a lived experience which strongly differs from EU member state to EU member state and from individuals to individuals mainly depending on the status of family, profession, income or residence. And these differences have a strong impact on how the inflation might be counter-active for the necessary risk coverage of each individual.