Immobilienpilot: “Leverage transactions

Chance of multiple profit – but also private bankruptcy risk ! (at the same time with reference to the new BGH ruling on consultant liability, V ZR 402/99)     The original case:   Dr. Peter Fleißig, a physician with a successful practice, 45 years old, one wife, two children, is informed by his financial […]

Life insurance in Liechtenstein: Asset protection with total default risks

“If you have faith, it’s all over.” (Stanislav Lec, Polish poet)   Asset protection is the separation of business and private risks or assets, including the integration of insurance protection. Risks to private assets stem primarily from the business sector (e.g. liability for break-through) or from financing, but also from separation/divorce or legal disputes.   […]

Liability for real estate loans and equity financing with life insurance – banks, insurance companies and brokers are responsible for repayment

Life insurance policies for the repayment of construction loans The combination of several financial products (e.g. building loan and life insurance, real estate loan and building society contract) promises the investor additional income through possible interest rate differences or tax savings, and at the same time additional commission for the agent. However, it is not […]

Managing directors and senior executives give away the insolvency protection of their pension scheme

If managing directors and senior executives have been promised their company pension scheme(bAV) as a pension commitment or direct commitment, in the vast majority of cases the existing reinsurance assets are not sufficient to fully finance the retirement benefits. Insofar as reinsurance – e.g. as life insurance or investment funds – are available, employers think […]

Cinderella shows the way

There is economic leeway in the redemption of company pension entitlements In occupational pension schemes (bAV), most dependent employees are in the position of a lender, because the employer has regularly set aside at best a fraction of the necessary funds for a specific purpose. Usually, the employer does not get away from the promise […]