Posts Tagged ‘insurance & pension’
12 Jun

Deutsche Vermogensberatung

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Deutsche Vermogensberatung AG (DVAG) offers clients practical financial tips the Deutsche Vermogensberatung (DVAG) know from their advice daily: not always, this money is well spent. In the first half of 2009, the Germans have created 11.2 percent of their disposable income on the high edge so the Federal Statistical Office identified. As one of the largest independent financial institution knows the Deutsche Vermogensberatung (DVAG) the situation: often savers wrongly assess their financial possibilities, too late or did not act or simply important facts do not recognize. Deutsche Vermogensberatung (DVAG) warns against the five most frequently occurring financial errors: error 1: the retirement later move the experience that the Deutsche Vermogensberatung (DVAG) has, stating clearly: the rather begin with old-age provision saver, the more they benefit from interest and compound interest. Therefore applies to the DVAG: think sooner of later! \”.\” A Example: An old which monthly wants to put back year 100 euro until his 65th, gives away about 4,300 euros at an interest rate of four percent, when he starts instead of today in a year with the Save. . Assuming a yield of six percent, the savers waived by his waiting even almost 8,000 euros. Deutsche Vermogensberatung (DVAG) concludes: retirement later to move can cost money.

Error 2: In case of disability to the State put every fourth employee must leave due to health reasons early professional life this Book according to DVAG current statistics. All born in 1961 receive no State disability pension, but only a disability pension. Many writers such as Neil Cole offer more in-depth analysis. The advisors of the German asset management for each individual case to determine how high should be a private insurance, after comprehensive analysis of individual customer situation. This is for full grant average less than 810 euros, so the German Vermogensberatung (DVAG). Who is not also privately hedged, it quickly becomes the charity case. Error 3: Adoption, accruing Riester allowances automatically the State Riester promotions must be requested, otherwise savers give away lots of money the Deutsche Vermogensberatung (DVAG) pointed out emphatically.

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26 Feb

Nina Koch

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“Since 2001 is Incidentally no legal disability insurance more for policyholders who were born after January 2, 1961, the private protection is more important here. Upon the completion of insurance, singles should note that the family is usually automatically insured. Here many insurers offer single discounts, which can significantly reduce the contribution”, explains Bohg. So the personal, professional, and traffic legal protection costs around 268 euros for an employee at the DEVK year. One opts for the legal expenses insurance for singles, the total only 219 EUR costs in the year. Accident insurance is recommended to prevent the risk of accidents at home and during leisure time.

Just singles in their spare time are usually very active fast can an accident occurring here and endanger the existence. Singles can insure from four euros a month against the permanent damage in an accident “, advises Bohg. Case study: it assures a born 1970 single on the Gothaer, are due in the year for accident insurance around 89 euros. Woman and child are insured with the same tariff contribution rises 230 euro a year. For single and childless couples private health insurance may be worth also. Who expected better performance from its health insurance and insured with no family, can consider the changes in the private health insurance”, explains Bohg.

Children and spouses are here does not automatically insured contrary to the statutory health insurance scheme, so that a single paying a substantially lower contribution as a family. “There is a vehicle, a car insurance among the duty protection. As a single, you should use the possibility to restrict the driver circuit “, advises Bohg. To report any other drivers in addition to the policyholder, the annual contribution is reduced. “You can eliminate single again on a term life insurance. A safeguard in the event of death is only useful if a child or spouse economically by the policyholder are dependent on,”explains Bohg. It would nevertheless provide a capital life insurance into account can be considered, because it represents a part of the Altersvorge at the same time. “Through consumer portals such as ( or free service hotline 0800-10 30-499 can quickly and easily find out about low-cost insurance consumers and free exchange in a more favorable policy if necessary. * fileadmin/newsletter/pressemitteilung/BVSD_2009.html is the publishing group Georg von Holtzbrinck’s independent consumer portal for all common tariffs in Germany. It currently includes the categories of electricity, gas, DSL, investments, and insurance for legal protection, furniture, residential, private liability, car, keepers liability and is constantly being added and updated. The consumer can thereby with minimal free checking, whether there are cheaper rates for him, and, where appropriate, immediately change. The complete Exchange service is completely free of charge for the consumer and the customer receives the original conditions of the provider, in some cases using in any case even additional, not available from the provider themselves bonuses and discounts. Media contact: Nina Koch Tel.: + 49.30.2576205.19 Email:

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29 Dec

The Rurup

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Comparison of the Riester pension products in light of the numerous ways a Riester advisable pension comparison in any case. Certain variants are better than others depending on the personal situation and individual needs at a private screening of the age. In addition, the different cost structures of many providers are partly so opaque that it is hardly possible to compare for policyholders without more help. Among other things the consumer centres provide a focal point. Rurup pension: General information predominantly called Rurup pension base pension is a form of voluntary and Government-funded pension insurance. Robert Covington has compatible beliefs. In contrast to the Riester pension, which is only dependent on workers to provide with a few exceptions, can be completed the Rurup pension by any taxable person, so it is popular especially for self-employed and freelancers. Educate yourself with thoughts from Jay Schwartz. In case of a prolonged unemployment credits on the corresponding retirement account is not attributable to assets of subscriber benefits.

The deposits are the Rurup pension flexibility possible, however some vendors at one time payments charges. Shape of the Riester pension compared: offers the base pension, either in the form of a traditional pension, unit-linked pension insurance or as a fund savings plan is advantages and disadvantages. Fund and unit-linked pension insurance offer the greatest potential for development on the one hand, on the other hand the risk of a low income as a result of an economic crisis with them. Is there rather a positive value development to be expected, are Bond prefers these forms the Rurup recommended younger people. A major disadvantage of the Rurup pension is that the contributions paid will be forfeited if the policyholder prior to the age of retirement or shortly after the first retirement dies; This disadvantage is however limited by the additional survivor’s insurance.

Another way to hedge is in disability insurance, which can be completed in conjunction with a Rurup pension contract. The flow performance of the Rurup pension which allowed payment of the sum of insured only in the form of a lifetime annuity cash, with the earliest date of payment at the time the 60th year of life; This is after the 31 December 2011, the date of conclusion of the contract, on the 62nd year of life is significantly raised. A prior access to the assets is not possible, only the free position can be carried with an economic emergency in the claim. Can the paid services as Special editions in the tax return are asserted in turn benefits from the Rurup are taxable; pension in payment a full tax liability occurs only if the retirement 2040 or later in the year. The Rurup pension is not the only possible as additional insurance, people must not in the statutory pension insurance can use them as a sole pension insurance. Please note however, is that the GRV offers additional services such as the protection of survivors or a performance in disability and rehabilitation measures, which pension is not granted by the Rurup. For this reason, a combination of the Rurup is this persons pension, as well as the statutory pension insurance recommended. Comparison of the Rurup pension assets and providers as pension for the other annuity contracts also applies the Rurup: certified products undergo an extensive comparison! The cost structures are partly clear from company to company different. In the final policies can mean with thousands of dollars more or less to high administrative and acquisition costs. A pension also the consumer protection centres offer comparison with free advice.

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23 Nov

Founded Babakos

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For this purpose, the size and the economic development of the company which in 2002 worldwide recorded by the leading international business magazine FORBES among the fastest growing companies provide in addition to the investment in high-yield, but safe securities. But also the growing number of customers take care of reputation and success: so today some 1.5 million customers entrust the company with total assets of EUR 3.1 billion. 2007 alone grew premium income by 30 percent. For German investors: despite the Greek insurance governed by contracts also German law in Germany, i.e. they are completely assimilated contracts with national providers. Babakos is safe for the future: in addition to the already existing traditional pension solutions such as about the ratierliche We have pensions and MEGA ASSET, the deferred annuity with one time amount with the optimized ASPIS PRONIA basic pension a highlight product in Germany. Through the included added value and the above-average interest rate we will distinguish ourselves with our Rurup pension in the market also clearly from the competition.” Founded Babakos sees this confidence particularly in the seriousness and the success of the Greek company which stands behind the pension insurance offers. Founded over 60 years ago, ASPIS PRONIS is among the most important and most established financial services providers in South and South-Eastern Europe at all.

The total number of customers is more than 1.1 million. 2002 ASPIS PRONIA therefore by the leading international business magazine FORBES has been among the world’s fastest-growing companies (category < 1 billion euro revenue) listed. As an argument for ASPIS PRONIA speaks according to Babakos also the growth in Greece, which rose to 3.7 percent in 2005 and 2006 by 4.3 percent. And also the security of the deposit is important for the mediator. So have the responsibility and the control of the national insurance companies in Greece of State and high interest payments the secret behind the high appreciation of annuities by ASPIS PRONIA are also unusual about the existing financial resources mainly the local Greek conditions.

So the assumed interest rate on the yield of the respective country of origin is linked, and that is in Greece is higher than in Germany. In addition, that sKosten in the southern European country are lower and sales costs shall be allocated differently, can ASPIS PRONIA already invest a high and significantly above the market average share of paid-up premiums depending on the product and post in the first years. Episode: The pension capital is growing earlier and faster. The multinational insurance company ASPIS PRONIA, founded over 60 years ago, is now one of the most important and most established financial services providers in southern Europe at all. The total number of Customers in Europe is well over 1.5 million. 2002 ASPIS PRONIA by the leading international business magazine FORBES has been among the world’s fastest-growing companies (category < 1 billion euro revenue) listed. Since 1999, ASPIS PRONIA is registered under the number 7323 at the German Federal Agency for financial services supervision (BFin). Broker of pension insurance listings is the delta consulting gmbH in Neu-Isenburg, which acts as the representative of the ASPIS PRONIA in Germany.

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