– Why average earners only have prospects of receiving a basic security pension – Anyone who is employed as a worker with a continuous income until the age of 67 can expect to receive a net pension amounting to 50% of their last net income when they retire in the not too distant future. […]
– How political decisions lead to impoverishment – Poverty in old age is increasingly being taken up by the media as an issue. However, this phenomenon is homemade, and it seems to have even been accepted. After all, it has been ongoing political decisions for more than 20 years that have reduced the statutory […]
Asset protection: Protect your private or business assets from creditors and insolvency From our daily practice we know that there are a number of different ways to lose your assets and also your old age provision. The classic cases in the private sector go far beyond the extent of inflation and tax liability. For example, […]
– Have supplementary nursing care insurance policies served their time as asset protection policies? – Compulsory long-term care insurance (PPV) as partial coverage “Help yourself, that’s how God helps you” thought the legislator when he created the JPA – even with “Pflege-Bahr” only a partial cover of up to less than 50% of the nursing […]
– only precaution on social assistance level may be protected from creditors – The sales market of the securitization of the Rürup capital For many years, insurance associations, insurers and the insurance sales force have been praising the Rüruprente in advertising brochures as a seizure-protected old age provision. Now, according to a new letter […]
Survivors rub their eyes when the survivors’ pension of the German Pension Insurance (DRV) is reduced to zero after three months. Marriages entered into after 2002 or those where both spouses were born after 1962 are affected by this provision. In these cases, 40 percent of the additional net income is offset, i.e. deducted […]
Findige bAV-Unternehmensberatung apply for a pension commitment check: “We would be happy to take over the professional checking of pension commitments for you. In doing so, we also ensure that frequent deficiencies that occur in practice (…) are also recognised”. With order the mediator receives ?questionnaires ?unfortunately however central risks are not recognized thereby, because […]
Permits for guardianship of minors, care and administration of the estate Introduction A legal guardian can be appointed for an adult: Legal guardianship leads to legal guardianship, § 1902. The guardianship court may appoint a voluntary guardian (lay guardian) or a professional guardian. The appointment of a suitable volunteer supervisor is a priority. The volunteer […]
Survivors rub their eyes when the survivors’ pension of the German Pension Insurance (DRV) is reduced to zero after three months. This regulation – which was last tightened in 2002 – affects marriages entered into after 2002 or those where both spouses were born after 1962. Then 40% of the additional net income is offset, […]
– Why pension products are good to sell even with zero returns – Numerous rulings of the higher courts prove that the insurance intermediary himself has to prove that he has given correct advice when brokering an insurance product if his customer specifically claims that he has given incorrect advice and the documentation does not […]
