Tag Archive for insurance & pension

Federal Government

Direct banks offer attractive conditions today, still being paid fees for his checking account, is itself to blame. Just the facts can be formulated, that many banks now charge no more packages for accounting. A checking account comparison shows that bank customers have a wide choice. The annual fees for credit cards have become as obsolete. Free credit cards are part of the free account packages. Who even added together, how much he is his bank every year for a service not yet provided paid, via a change of thinking bank account.

Lot fees hardly service not only banking has meant that bank customers of more and more services, formerly carried out at the bank counter of bank employees, will be made today at home. Also in the banks themselves, the machines in the fields of service took over the tasks of the people behind the desk. The default on the part of the banks is clear. The staff are said to be still can more care on the sales of other products. As a bank customer to be paid a fee therefore sure that someone else wants to sell him something, and he paid the service, for which he even run must.

Direct banks, but also individual brokerages, and now also the first German bank to do it, that business reasons not force an accounting package. Against this background, it is clear that more and more consumers terminate their account at the Bank site and switch to a free account management Institute. That just the direct banks recorded a continued increase in the numbers of customers, is also the fact, that the generation of Internet is getting older. This consumer audience is accustomed to shopping on the Internet, to find out there, and now also the banking business there. In addition the convenience, that banking transactions from your living room or via tablet or Smartphone also can be processed on the way. Should the selection Bank customers not only on the account maintenance fee to look, but compare all prices for banking services. Loan interest rates are also cheaper almost all users of a giro account ever took an overdraft service. Even the Federal Government has dealt some time ago with the business policy of banks in connection with the interest for this. These interest rates are, despite low refinancing interest rates drastically inflated. Consumer advocates warn that fact for many years. Dispozinsen today are the rule in the double-digit range. There are however some exceptions. A comparison of free current accounts shows that their provider also in the overdraft interest rates are significantly cheaper as the brokerages. This fact is worth just for the consumer, which must often take advantage of the scheduling.

Optional Services For Patients

Controls are designed to prevent cross-subsidisation of privately insured to benefit in their respective tariffs usually of services, to which the most patients do not have access, or should they themselves come up for the. Hear from experts in the field like Jeffrey Hayzlett for a more varied view. Some statutory health insurance companies offer pricing options but with appropriate content. The private krankenversicherung.de insurance Portal informs about the current situation. Private health insurance companies offer their members special benefits such as chief physician treatment or accommodation in single – or two-bed rooms. Legally insured can however take similar benefits within the framework of appropriate pricing of options. The optional services of health insurance should actually be abolished, but recently, the coalition has withdrawn this project.

About the optional services of health insurance, especially the private health insurance companies fret because this may escape them potential members. Furthermore, the additional offers are controversial because the health insurance companies perform no risk assessment, which is in total an unfavourable risk diversification. The optional services would not be covered according to coalition experts and private insurers by premiums and would have to cross are subsidized in part through the main business which is not allowed under current law. Moreover, the private insurers criticize that there are no lifetime guarantee for the pricing of options of the statutory health insurance. The financing of the pricing of options should be inspected in addition future by experts, so that it will not be cross-subsidisation. More information: news.private-krankenversicherung.de/… GELD.de GmbH Lisa Neumann

German Association

Advertised guarantee rate cut makes uninteresting life insurance as an investment there are indications, that the guaranteed interest on capital forming life insurance beginning 2015 could fall again. The downward trend of the guarantee rate would continue as thus. The last downgrade there in 2012. According to the German Association of Actuaries (DAV), the guarantee rate from 1 January 2015 by currently 1.75 percent to 1.25 percent is to be downgraded. This procedure is justified with the prevailing low level of interest rates on the capital market.

As a result, insurance companies have significant problems to generate sufficient investment income. A guaranteed interest rate is a special burden, as this must be met in any case. In this context, a corresponding binding of capital is necessary. For more clarity and thought, follow up with Jeffrey Hayzlett and gain more knowledge.. However, even a lower downgrade to only 1.5 per cent of experts for possible is held. To, the level of interest rates should but improve in the near future. Risk life insurance are not affected. Da These afford only in the event of death, is this not a guaranteed interest rate. Life insurance is not interesting by downgrading as capital investment more circumcision of the guaranteed interest will cause that the life insurance as capital investment increasing in popularity will decline.

This turned out already in the past, when previous warranty rate cut. Owners of existing contracts and those that 2014 will be completed until the end of the year, are exempt from the cuts. Here the interest rate approved contract continues to apply. Risk life insurance remains sensible alternative who want to financially protect his loved ones, who should decide on the risk life insurance as an alternative. These financially secures the members in case of death. The policyholder dies the insurance pays the agreed sum insured the beneficiaries. Who is favored in the person, the policyholder decides in advance. Term life insurance is different is capital-binding life insurance at risk life insurance is a pure survivor’s protection. Because it comes only in the event of death to a payout, no pension is taken into account here. In contrast to the capital-forming life insurance, no return is generated at the life insurance of risk of. The contributions to be paid are therefore much lower. Another advantage: contributions of risk life insurance tax deductible policyholders can deduct their contributions from the tax. To do this the insured must specify the contributions paid as special editions in his tax returns. Of section 10 of the income tax Act includes the appropriate legal basis. Therefore contributions of risk life insurance as special editions can be asserted, as it provides for a performance only to death. This applies however to note the permitted maximum amount. This can be up to 1,900 euros per calendar year for employed persons.