Garantiezins Archives - Rechtsanwaltskanzlei München

Published on: 29. January 20202. December 2020

BGB-Leibrenten as the better alternative to private pension insurance

In some city archives historians find records of an annuity purchase – like these. What is behind it and what does it mean for us? Since then In the 13th century, the purchase of annuities was the predominant credit business of the Middle Ages. The future pensioner bought the right to receive a life […]

Published on: 29. January 20202. December 2020

Private and occupational pension schemes: deletion of valuation reserves remains on the agenda

For more than 10 years, the yields of life insurance policies have been suffering from the low capital market interest rates. As a result, reductions of up to more than 30 % compared to the expectations raised until the turn of the millennium are the rule. However, customers with terminated or expired contracts have been […]

Published on: 17. July 2019

Every retirement plan on one leg is dangerous

Are state parliamentarians threatened with poverty in old age? Trade union pension experts complained in 2018 that members of a state parliament received 3.675% p.a. of their diets as a pension under the pension law in force until 2007, with a calculated income of EUR 8,220 after five years, i.e. EUR 1,510 as a pension. […]

Published on: 13. July 20173. December 2020

Life insurers: Are premium increases due to low interest rates permissible?

Some legal experts believe that the permanent mini interest rates will allow insurance companies to reduce their guarantees or increase premiums. But this is a contentious issue. As is well known, the permanent low level of interest rates is causing considerable problems for German life insurers. However, legal experts disagree on whether companies are therefore […]

Published on: 12. January 20177. December 2020

From bank(s) and casino bets

How does case law help financial institutions to pass on miscalculations? The regulations on the elimination of the basis of business in the German Civil Code (BGB) can be an approach to reorganize financial institutions in distress. For example, when building societies terminate the higher-interest deposits – sometimes with success. An insurer could terminate […]

Published on: 29. November 2016

PKV: Impossible escape from rising premiums

There are many factors contributing to inflation in private health insurance. For example, charges for cross-subsidisation for the basic, standard and emergency tariffs. Those who have concluded their private health insurance before 01.01.2009 can also change to the standard tariff – the others only to the basic tariff. The lack of the insurer’s (VR) right […]

Published on: 21. March 20167. December 2020

Risk Time value account

Financial product distributors are increasingly promoting working time accounts and the models of partial retirement. The financial intermediaries are mostly concerned with commissions: Few brokers are aware of the civil and criminal liability risks. A time value account is not an implementation method of the company pension scheme. Rather, it is a matter of a […]

Published on: 16. December 2015

If the maximum interest rate falls, the wheat is separated from the chaff

The average life insurance saver calls the secure interest on the savings portion of the life insurance premium the guaranteed interest rate, which will last be a maximum of 1.25 percent p.a. in 2015. This limit is the maximum actuarial interest rate used to calculate the actuarial reserves, above which no life insurer is currently […]

Published on: 21. August 2015

Deposit insurance and guarantees at banks, government bonds and insurance companies worthless?

All guarantees, in whose security one lulls oneself, have no absolute value. After all, the decisive factors are the conditions and the legal framework for this, political legal certainty and the economic default risk of the guarantor. Guarantee certificates Looking for “total return investments” where you end up getting 100% of your investment back […]

Published on: 23. June 2015

The capital-weak Cinderella GmbH for the exemption of company pension claims

– How employees can lose their company pension completely from one day to the next – In occupational pension schemes (bAV), most employees are in the position of a lender, because the employer regularly has at best a fraction of the necessary funds set aside for a specific purpose. Usually, the employer does not […]

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Skype:	Dr. Johannes Fiala PhD
Fax:	+49 (0)89 – 17 90 90 – 70
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