Our Worldview – Our Philosophy

Our motto: Truthfulness creates the future

Zukunft AG was born from the active co-creation of our employees. Together, we found the path to a shared dream – and now is the time to turn it into reality.

At the heart of this vision is money – not merely as a means of exchange, but as a positive energy that should multiply for the benefit of all.

Yet this valuable resource is often viewed one-sidedly. Instead of enabling meaningful projects and empowering everyone involved, only a few benefit today from positive growth, a truly secure future, and genuine partnerships on equal footing.

Positive Growth

Positive growth emerges only where people take joy in their work and can identify with it 100 percent.

This applies equally to our valued customers and everyone interested in Zukunft AG.

We see in you not just customers, but potential partners – perhaps even future friends.

Maybe you will become a source of new ideas that enriches us in remarkable ways.
Maybe you will support us as a multiplier or ambassador of our innovative vision.

Our future and yours are equally valuable – and equally important.

That’s why we always take the time to deeply understand your individual needs and goals.
Only together can we shape a better, personal future.

People in Our World

We consciously distance ourselves from people who do not truly value our time or our personal commitment.

We made this promise to ourselves as a team at the founding of our company.

Our services are specifically designed for those who feel connected to our values and goals – and whom we can support optimally.

This is our promise to you, our customers.

We do not share the widespread attitude of “Penny-pinching is progress” that dominates today’s world.

With such a mindset, no future can be built. All you’ll experience in the end is stress, heartache, and worry.

Excellent service comes at a price – but it also delivers first-class results.

These should serve your interests – without neglecting ours.

This is how we approach every task and every project we undertake together in the future.

Saving through Insurance – Is That Even Possible?

Thanks to our many years of experience as insurance advisors for various companies, we possess comprehensive expertise and extensive practical knowledge.

Over the years, we have also built a close-knit network with numerous insurers.

Yet in all this time, we have never encountered a client who actually saved money by taking out a long-term insurance policy with a savings component.

No matter how much was paid into such policies – if the contract was terminated early, the client almost always had to forfeit all interest gains.

At the end of this so-called partnership, they were usually lucky to get back the amount they had paid in.

That’s not saving – that’s risk.

Saving through Insurance – Long-Term?

Our experience shows: 85 out of 100 insurance customers had to cancel their policy early at some point in their lives.

Life is dynamic – it brings change.
People must adapt to it, not fight against it.

Who can really commit financially for 30 years without ever tapping into a resource that was meant for risk protection in an emergency?

In all our years in the industry, we have observed:
Not a single customer who terminated their policy early was able to truly grow their saved capital.

On the contrary:
In most cases, financial losses occurred.

Almost all insurers charge processing fees and additional costs upon early cancellation – often hidden in the fine print.

In the end, only the insurers benefited from this so-called “investment.”

The customer was usually lucky to get back the amount they paid in, minus all fees.

That’s not saving.
That’s a bad deal.

Protection through Insurance

Insurance should provide protection – not be misused as a supposed investment.

Its true purpose is to mitigate risks that can arise unpredictably in life.

Yet many providers sell policies with a savings component, suggesting a dual benefit: security + return.

In reality, however:
Anyone who must terminate their policy early almost always loses interest gains, savings benefits – and often even part of their paid-in capital.

True protection looks different.

It is transparent, needs-based – and free of hidden fees.

Only then does a contract emerge that truly serves you – not primarily the insurer.

A Word on Banks

Banks and financial institutions are meant to keep your money in safe hands – and help it grow steadily under expert guidance.

Yet in reality, most major banks show little genuine interest in your long-term future.

That’s why we believe modern banks are incapable of true partnership
they rarely keep your future prospects truly in mind.

Modern Banks – and Their Self-Interest

We are rightly skeptical of large banks – and for good reason.

Experience shows: their own financial interests always come first.

In practice, it is rarely the case that major banks truly help their customers.

Instead, they view bank clients merely as a lucrative revenue source.

Their “glass palaces” and prestigious headquarters clearly reflect this self-serving financial behavior.

Executive bonuses are famously astronomical
but what does your financial return look like?

It doesn’t even come close.

The world of banking and financial services operates with vested interests.

The opinions of their so-called “experts” – and all their promises – are therefore highly self-serving.

A realistic risk assessment is deliberately not emphasized too strongly.

What matters most are quick deals, substantial returns from your money – and outward appearances.

This is hardly a partnership that benefits both sides.

How many meaningful and truly profitable projects could you have launched together?

Banks – Power, Self-Interest, and Responsibility

Banks and financial institutions are meant to keep your money in safe hands – and help it grow steadily under expert guidance.

Yet in reality, most major banks show little genuine interest in your long-term future.

That’s why we remain skeptical of large banks –
they often see clients not as partners, but as a lucrative revenue source.

Their “glass palaces”, astronomical bonuses, and focus on quick deals speak volumes.

A realistic risk assessment is deliberately not emphasized too strongly.
What matters most are high returns from your money – and outward appearances.

Anyone active in the financial world bears a special responsibility
not only toward clients, but toward society as a whole.

Money is not an end in itself.
It is a means to live – and should serve the well-being of all.

Those who disregard this responsibility act against the common good
and erode trust in the entire system.

At Zukunft AG, we see it as our duty
to act ethically, transparently, and with a focus on the future
every day, with every decision.

Money and Finance

Zukunft AG has made it its mission to be your trustworthy partner in this complex world of finance.

That’s why we offer only serious, ethically sound solutions – ones from which you truly benefit.

Our shared goal is a future-oriented partnership – for which you need a reliable companion.

Our collective responsibility should be:
to shape a world in which every living being, all resources, every form of energy – and every substance – is regarded as equally valuable.

Everything creation has brought forth serves the common good, the joy of all – and the protection of our world.

Only then does life become more beautiful, more diverse, more worth living – and more meaningful.

Money is just one of many earthly forms of energy
and deserves neither idolization nor misuse, but respectful handling.

The World as an Energy Store

We imagine the world as an energy store.

Energy can flow in two directions. Both are valid – because both can foster growth and prosperity.

But if one of these paths leads in the wrong direction, it ultimately weakens the entire world – and everyone who lives in it.

In such a case, it is high time to change course.

Our Creator loves us all.
He shares an intimate bond with everything He has created – for He is our common Father.

Not only children, but adults too, should mature through “negative” experiences.

When an experience fails to deliver the good and desirable outcome,
it is time to choose a new path.

This path must transform negative experiences – such as the recent housing or banking crisis
into an enrichment for all.

Any other approach serves only to exploit and destroy the world.

Does that sound like growth in the true sense?

Positive growth always arises from within.
It grows from genuine partnership – and from the respect your money deserves.

The World – “We” as Role Models

With this vision, the team at Zukunft AG has embraced an innovative concept.

We see our challenge in serving as a role model for people, businesses, society, banks, insurers, associations, financial service providers, government, church – and all institutions of this world.

Because there is another way.

Beyond the usual practices of our industry, much can be reimagined – and implemented better.

The dedicated employees and founders of Zukunft AG draw on their rich experience to forge a new path with our company.

On this path, every individual should receive the foundation for life needed to lead a good, meaningful, and enriching life.

The World and the Future

Zukunft AG sees itself as part of a greater whole.

We believe that every person, every company, every institution can contribute –
to a world where money does not rule, but serves.

Our vision is a future built on partnership
shaped by respect, transparency, and shared growth.

True progress arises only when everyone benefits.

We invite you to walk this path with us –
step by step, heart by heart, idea by idea.

Die Zukunft AG and Its Philosophy

There is only one true Zukunft AG in the world

Our company was born from the active co-creation of our employees.
Together, we found the path to a great dream – and now is the time to make it a reality.

At the heart of this vision is money – not merely as a means of exchange, but as a positive energy that should multiply for the benefit of all.

Yet this valuable resource is often viewed one-sidedly.
Instead of enabling meaningful projects and empowering everyone involved, only a few benefit today from positive growth, a truly secure future, and genuine partnerships on equal footing.

We at Zukunft AG believe:
Truthfulness creates the future – not through empty promises,
but through genuine partnership, transparency, and respect – every day, with every decision.