Introduction of unisex tariffs in private health insurance illegal

– Men are entitled to a lower risk-adjusted contribution –   “HURRA!!! We’re still alive!” (Milva) Just in time for the end of the Mayan calendar on 21 December 2012, the EU has banned the use of anything other than gender-uniform so-called unisex premiums for new insurance contracts from that date. The starting point is […]

Unisex – and what else?

Insurers are beating the drum for year-end business and advertising early unisex solutions. However, some intermediaries have a completely different problem. Particularly in the day-to-day business and in compensation, things are really sticking. portfolio international explains how the biggest pitfalls in everyday sales can be avoided. Shortly before Christmas, a more than 100-year-old practice of […]

UNISEX – Effects on PKV contracts

New ruling by the European Court of Justice (ECJ) obliges insurers to use only so-called “unisex tariffs” from 21 December 2012, for example in comprehensive private health insurance, daily sickness allowance, daily nursing allowance and other supplementary insurance, but also the so-called premium protection plans. Up to now, men have usually paid a lower premium […]

Unisex changeover 2013 – note new tariffs with immediate effect

Through the Occupational Pensions Act, the legislator has imposed an additional task on employers “as disinterested investment managers” of their employees and also holds them liable for this. The authors explain what employers, but also consultants involved in the human resources area of companies, must observe from 2012 in order to comply with the legislator’s […]

Drying up of life insurance – too few investment options for too much money

– Why life insurance has outlived its usefulness as a capital accumulation vehicle –   Wim Duisenberg, ex-president of the ECB, when asked how he invests his money: “Personally, I’m in the fortunate position of having no reserves.”   Statistically, up to more than 80 million German citizens own more than one life insurance policy. […]

Choice of law and advantages of European life, pensions and health insurance

– Opportunities and risks for policyholders and their insurance brokers –   Foreign insurance companies, especially those from the European Economic Area (EEA) and the European Union (EU), are increasingly competing with domestic suppliers. For insurance intermediaries and insurance customers, this creates risks, but also opportunities.   Regular notification procedure EEA and EU insurers must […]

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 […]

Already promoted Riester fortune is not to be used for legal aid – other life insurances already

– Why life insurance is only protected for a subsistence level in old age? –   There is absolutely no apparent reason for the legislator to pursue income protection in old age above the level of basic income support as a political goal. The state’s sole aim is to ensure that, as a result of […]

Life insurance companies and foundations from Liechtenstein, Bermuda, Switzerland and Papua New Guinea

– When structures for asset protection and succession planning are ineffective – Banks and insurance companies, as well as financial advisors from Germany and abroad, are praising foreign camouflage constructions via prospectuses and appraisals. This should make it practically possible for assets of 100,000 euros or more to constitute a secure succession arrangement by circumventing […]