Guarantees and safeguards: Worthless in the end?

Why do guarantees and security systems have to prove worthless in the end?   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 […]

Alternatives to occupational pensions

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 […]

So-called guaranteed benefits in the pension scheme are absolutely not guaranteed

– What life insurance companies and pension funds are hiding from premium payers –   Life insurance policies for occupational (bAV) and private (pAV) pensions, but also pension schemes, can provide far fewer benefits than promised or promised on paper. However, policyholders often have a claim for damages against the intermediaries and advisors or product […]

Severance pay and other alternatives to occupational pension schemes (bAV)

– 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). […]

Losses of up to more than 15 % on life insurance policies due to the stroke of the pen by the legislator

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 policies have been […]

Quo vadis guaranteed interest rate?

Why brokers have to pay attention to investment performance is explained by lawyer Johannes Fiala and private health insurance expert Peter A. Schramm in the series on frequent or typical consulting errors in the brokerage of private health insurance. To the point � Unlike in life insurance, the maximum actuarial interest rate in private health […]