Children of civil servants who are studying are in good hands with private health insurance, but when the family supplement is removed, it becomes expensive. The increase of the private health insurance must be applied for in time, otherwise the insurer can demand risk surcharges or the customer even ends up in the basic tariff. […]
Company pension scheme: New billion-dollar liability of the insurance industry “My friends wanted to be firemen, farmers, policemen, or something like that. Not me, I just wanted to steal other people’s money.” (Warren Oates as John Dillinger in Dillinger, USA 1973) Marketing concepts often form the basis of employer consulting by insurance companies. […]
In the light of the judgement of the Federal Court of Justice (BGH) of 22.05.1985 One can debate the issue, hold other legal opinions, or like us here, set a judgment as a reference point. We still consider the judgement to be trend-setting, because it describes the obligations which an insurance intermediary, in this […]
Marketing concepts often form the basis of employer consulting by insurance companies. Not infrequently these lead with the implementation first with the employer and then with the insurer as designer straight to the liability for damages. Up to 99% of all insurance solutions in occupational pension schemes are apparently designed to be tax-damaging for […]
In a ruling of 15 March 2007 (reference number 4 Sa 1152/06), the Munich Regional Labour Court ordered an employer to reimburse a former employee for the difference between the “premium sum of converted wage contributions” and the “surrender value” at the end of the employment relationship. After about 3.5 years of deferred compensation through […]
The free “insurance broker contract In recent decades, the call for standardized forms has led to brokers who are not legally trained to make use of “free samples of no value” – they are then often really free in the other sense of the word – namely in vain. A specimen similar to the “Verbandsmuster” […]
The bAV problems: Entrepreneur U. would like to sell his GmbH. The buyer is not willing to assume the biometric risks of the pension commitments as part of the “M&A share deal”. This according to the motto “who knows how long the pensioners will live and whether the reinsurance is really sufficient”? The same problem […]
