Aiding and abetting suicide with impunity?

Dr. Johannes Fiala and Dipl.-Math. Peter A. Schramm explain which consulting obligations the private health insurance and, if applicable, also brokers have with regard to euthanasia. There is a chance for contribution reductions in private health insurance through euthanasia: If the UN does not waste its assets on pointless treatments, even in the hope that […]

ECJ: Tax advice to residents by foreign consultants

In its ruling of 17.12.2015 (Case C-342/14), the European Court of Justice (ECJ) ruled that foreign tax consulting companies are authorised to provide tax advice in Germany. According to the Advocate General’s opinion to the ECJ, this requires “the recognition of the company and the appointment of its management bodies as tax advisors” (StB) – […]

Foreign insurance – opportunities and risks

Foreign insurance companies, especially those from the European Economic Area (EEA) and the European Union (EU) are increasingly competing with domestic providers. For insurance intermediaries and insurance customers, this creates risks, but also opportunities.   EEA and EU insurers must obtain a certificate from their home financial supervisory authority that they have sufficient own funds. […]

Private health insurance (PKV) must advise on medical euthanasia

– How a responsible private health insurance achieves stable contributions – A physician began his lecture on the subject of “Patient Will” with the words: “So, all those of you who are insured by the statutory health insurance (GKV) can now leave the hall – you will be left to die, because the GKV only […]

Generation consultants, succession planners and financial planners together with initiators in conflict with the Legal Services Act

For decades there has been the training as Financial-Planner (financial planner), Estate-Planner (succession planner) and for some years now as Generation Consultant with IHK certificate. Surely only the trainers will make money from this for the time being. At second glance, it is a guide to the violation of the Legal Services Act (RDG) and […]

Insurance obligation in the KV? Part 2

On 15 July 2015, the Federal Financial Supervisory Authority (BaFin) issued a statement on foreign private health insurance (PKV), including considerable legal errors. Here now part 2. High risk for European health insurance intermediaries from 2016″? In addition to the legal errors already mentioned (we already reported in Part 1), there is a risk for […]

Permits for guardianship of minors, care and administration of the estate

Permits for guardianship of minors, care and administration of the estate Introduction A legal guardian can be appointed for an adult: Legal guardianship leads to legal guardianship, § 1902. The guardianship court may appoint a voluntary guardian (lay guardian) or a professional guardian. The appointment of a suitable volunteer supervisor is a priority. The volunteer […]

Protection of pension contracts from debtors and creditors in Austria and Germany

– How residents obtain foreign enforcement protection through foreign retirement plans -.   Life insurance policies for private and occupational retirement provision are often intended to protect against ill-considered premature termination by the beneficiary, but also against enforcement. In Germany and Austria, there are very different types of contracts, some of which are state-subsidised. Protection […]

Foreign life, pension and health insurance: Opportunities and risks for insurance companies and insurance brokers

Foreign insurance companies, especially those from the European Economic Area (EEA) and the European Union (EU) are increasingly competing with domestic providers. For insurance intermediaries and insurance customers, this creates risks, but also opportunities. In private health insurance we see only the beginning of a development here. EEA and EU insurers must obtain a certificate […]

Abolish commissions for life insurance in Europe?

– On the design of insurance products in Europe –   Brokers’ brokerage fees and agents’ commissions will fall as a result of the Life Insurance Reform Act (LVRG) – but at the same time there will be a shift in life insurance away from one-off to ongoing remuneration for agents. This is what Stuttgarter […]