Private health insurance (PKV) as a cost trap for pensioners often leads to poverty in old age

If a private health insurance policy is taken out, or later changed around five times in a lifetime, the intermediary receives remuneration of around 8 times the monthly premium each time – in the past it could well be double what an insurance company paid for a new customer. It is commonly said that private […]

Liability risks for employers when changing jobs and taking over company pension schemes (bAV)

– Pension capital transfer or change of policyholder – decision between plague and cholera –   In purely statistical terms, the length of service of an employee is just under five years. If the employee has a pension plan, he or she will be able to take it with him or her to the new […]

Federal Supreme Court: Insurance benefits remain with the recipient despite revocation

When the revocation of life, pension and other insurance policies can be worthwhile   Since a decision by the European Court of Justice (ECJ) on 19 December 2013 (Case C-209), insurance customers are increasingly checking whether they can still revoke their insurance policies. The aim is to get back the insurance premiums paid or, in […]

New BGH ruling: savings for basic pension must be used before Hartz-IV

A basic pension, also known as a Rürup pension, must be terminated in the event of an emergency   Emergencies abound in a person’s life, such as when a welfare application is imminent. The question of whether a plaintiff is entitled to legal aid under the poor law is also assessed according to the same […]

Federal Supreme Court: Brokered life insurance policies must meet the customer’s needs and capabilities!

29.08.2007 12:33:05 (PA) With every second life insurance customer claim for damages possible – new billion liability for the insurance industry ? * Capital life insurance – legal fraud ?: Already since the judgement of 03.06.1983 (Az. 74 O 47/83) of the regional court Hamburg the evaluation of the capital life insurance was judicially blessed […]