A 55-year-old man reports to an actuarial expert after his private health insurance (PKV) has more than doubled its premiums within nine years, even though he has been insured for almost thirty years. The actuary replies, yes, I just calculated that for a client – around 8% annual increases are quite realistic, especially if you […]
Contribution notices of the statutory health insurance for supplementary benefits: What you have to pay attention to in order to keep the overview The current ruling of the Social Court of Dortmund of 22.01.2014 (Ref. S 39 KR 1585/13) led to the reimbursement of all additional contributions to the GKV levied by way of […]
Due to the low interest rates on the capital markets, it will in many cases no longer be possible to achieve positive real returns in the traditional external implementation channels of occupational pension schemes (bAV) in accordance with the German Company Pensions Act (BetrAVG). Thank God there are viable alternatives. In the case of tax-subsidised […]
– Opportunities for employers and employees to optimize pension provision – Due to the low interest rates on the capital markets, it will in many cases no longer be possible to achieve positive real returns in the traditional external implementation channels of occupational pension schemes in accordance with the German Company Pensions Act (BetrAVG). […]
Publisher: *by Dr. Johannes Fiala, Attorney at Law (Munich), MBA Financial Services (Univ.), MM (Univ.), Certified Financial and Investment Advisor (A.F.A.), Banker (www.fiala.de), ehem. Member of the examination board of the Munich Chamber of Industry and Commerce for the expert examination of financial advisors for financial services and financial services specialists, lecturer for civil law and […]
A Rürup pension cannot be inherited, given away, sold or lent. If you have debts, you risk creditors seizing the Rürup assets you have saved up before your pension starts. And if the state would have to pay Hartz IV or court cost assistance, it allows him to deny the Rürup assets and to refer […]
A Rürup pension cannot be inherited, given away, sold or lent. Those who have debts, on the other hand, risk beingss creditor seize and exploit the accumulated Rürup assets before retirement. And if the state would have to pay, for example, Hartz IV or court cost assistance, it can refuse this because of the […]
… and how to protect yourself from them. Private occupational disability insurance policyholders with the “right” broker are not approached along the lines of “Is your premium in occupational disability also too high?” in order to then use this to find the customer another occupational disability insurance policy (which is worse in terms of […]
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. […]
How to avoid capital destruction via life insurance In economic terms, life insurance policies are often investments that compete with traditional bank products. Intransparency, faulty advice and incorrect billing cost customers billions every year. In most cases, there is then a claim for back payment, reclaim or compensation. However, insurers will not pay without […]
