I just had a meeting again with the bank and of course they are the ones that can give answers. But since they also wan to to sell and they talk "bank" language it is very helpful to hear a second advice.

So far of what i understood I have two options:

1. 3a account to the same bank (but with an additional life insurance). As a direct amortization payment

2. OR 3a policy from any insurance that includes the life insurance

Also the bank proposed me the first option as the best one.
The only think I didn't understand is that also in first option I would still have to pay a life insurance for the pledged amount of my pension.

Thanks for your effort to give me any replies!