Author: genehampton

Everyone should be concerned about important insurance for the protection of life are very important insurance E.g. risk life insurance, capital life insurance, a funeral, as well as the liability insurance. But why do I need insurance? Here a small overview. Risk life insurance provides financial protection for the survivors in the event of death. Just when the eventual earner is missing, a large supply gap. Who is advisable for a term life insurance? For all men between 18 and are 65 years of age, as well as for those where a main income earner provides the family, for all of you who have bought or built a House and need to secure a loan and for all those who secure their loved ones want to.

And for whom is the capital life insurance and why? Capital life insurance is suitable for all people who want to make a safe investment. For those up for retirement want to save solid assets and at the same time provides protection for all members would like to have. The optimum solution for such a provision is tailored to the individual needs. And why a funeral? Since the Elimination of death money even for the funeral expenses must come on. What, if not sufficiently made.

A funeral is useful for all people aged between 47 and 73 years who want to secure their relatives which are solitary and want to make sure their funeral is realized according to your own requirements and for those who have specific notions of the funeral. The funeral is then free from his 81st birthday. And now to the liability insurance as one of the most important insurance thing, everyone should have one, because who inflict other damage, is legally obliged to pay damages. Therefore a liability insurance policy is indispensable, because it protects against such financial implications. Just for families with A liability insurance should be available to children. Basically everyone should be concerned about the different types of insurance, especially if they relate to the fundamental safeguard of life.

Stiftung Warentest is repeatedly hit the headlines in recent weeks. There was a judicial confrontation with the chocolate manufacturer Ritter Sport. But the last disability insurance test of Stiftung Warentest was heavily criticized by security experts. The accusation: Many of the tariffs were assessed too good. Disability insurance: Stiftung Warentest tests inaccurate a disability insurance test should help consumers to orientate yourself regarding the various offers to the major disability insurance.

Because the individual tariffs have very large differences in price and performance. The last test of Stiftung Warentest could give consumers but little evidence to do so. “For around three quarters of policies were very good with the best rating ‘ awarded. Insurance experts, however, are of the opinion that many of the excellent rates do not deserve this highest rating. Alternatives to disability insurance test of Stiftung Warentest who is not on the disability insurance Test of Stiftung Warentest would like to trust, but still an overview of currently recommended BU fares get want, disability can, for example, on the compass”by focus-money oriented. In this, the tester by the German financial service Institute (Paul – see BU compass) have investigated disability rates for various professional groups.

Because not every contract is suitable also for every professionals. Policies for workers, self-employed persons have been focus-money examines disability BU protection for various professional groups In the compass”, investigated officials, new entrants and people practitioners. So the WWK as best insurance section for the workers, followed by the Hanoverian and Alliance fares. When the self-employed can convince the Hanoverian not considered as one of the best policies. Here, federal, WWK and Alliance people well-being offer the best deals. These three insurance companies are also quite far forward to officials. Public servants need to occupational disability protection especially on the Pay attention to insurance conditions. Because for them, also a hedge against invalidity is important in addition to occupational disability protection. Only if the contract contains a real clause of inability to service, officers and officer candidates are optimally protected. Disability insurance test: usually not sufficient for optimum protection of the occupational disability insurance test by Paul and focus-money shows that while a good impression about the performance of the respective insurer is the individual reviews. But those who want to find the best fare for your own needs, should request a quote to the occupational disability protection. In this way, protect not only from inaccurate test results, but can customize the hedge of also the personal situation.

State pension system requires individual wealth accumulation against poverty in old age Berlin at the end of its possibilities of experts at the ICC Berlin – pension lies in the hands of each individual, and no longer under the responsibility of the State. Leading German pension and financial experts at the first Berlin Congress ‘Think of your future’ of the Cottbus financial services firm AFA AG moved this sobering balance The keynote speaker for the event, on the turned around 5,000 guests at the Berlin ICC free information end of may, were the long-standing Saxon Prime Minister and mentor Prof. Dr. Kurt Biedenkopf, Dr. Friedhelm Busch, financier of the news channel n-tv and top trainer Bernd W. Klockner. The moderation had ZDF WISO moderator Michael Opoczynski.

The reality, not the policy forces a rethink\”so Biedenkopf. 2029 the 60 up 65 years will maintain the 90th. That’s why we need to take our future into consideration and do not afraid of you or forcing future generations to loads assume, that her parents were unwilling to bear. \”The Government can not solve the problem that we are now discussing the private wealth management is the solution!\” So was the conclusion at the end of each lecture: Act now! Because time is money, which proved the Bernd W. Klockner calculation examples.

Bad money habits immediately drop, sit down and prepare to later not with 400 to 500 EUR pension must come out\”, warned the possibility thinker\”, which advocates, money lessons in schools to introduce. Savings would have to be always also the abandonment of consumption but not to treat yourself to a little pot of fun money. \”Bernd W. Klockner: find people as consultants, who are not nice to you on the subject of finances, but telling the truth!

Pensions and tax savings in one called the base pension, and Rurup pension, pension was introduced as an alternative to the Riester in 2005. Because most of the self-employed and freelancers did not benefit from a State-sponsored retirement plans. Still shows the Rurup pension but also as a convenient way of pension for workers and officials. Riester and Rurup pension: A comparison is the most Germans the Riester pension known. Already 15 million contracts were concluded.

The support takes State allowances and tax benefits up to 2,100 euros. Different with the Rurup pension. Here is the tax amount for unmarried at 20,000 euros and for couples at 40,000 euros. While 78 percent can be attached in 2014 from this maximum tax. Everyone who can benefit from the Special Edition print, may enter the Rurup pension. This provision due to the high tax benefits worth just for good earner.

Unlike at the Riester pension is no minimum equity amount it at the base pension. Each Saver decide how much he wants to spend his retirement or can. Special features of the Rurup pension insurance that is Rurup pension is a very flexible form of interest. In addition to the normal monthly and annual allowances are also special payments possible. Depending on the money bag can so the tax benefits be expanded and thus also the pension benefits. The Rurup pension is also available as so-called Sofortrente. This safeguard is worth just for pension near vintages. Capital from a mature life insurance is paid into a Rurup Sofortrente. Here, the policyholder receives his lifetime monthly pension immediately. Another advantage of the base pension is that the capital in the calculation of the unemployment money II is not used. The Rurup is also pfandungs – and bankruptcy-proof pension up to the ceilings. That should consider consumer before a conclusion who pension once completed the Rurup, can no longer cancel it. Options are the free position or switching to another provider. Therefore, should be respected before a conclusion to be that the provider gives such a change, because not all insurers a provider change is possible. The DWS is a good example, because here it is possible to switch. As well, the base pension foresees no survivor’s protection. Some insurers have already integrated this into the tariff details. Consumers who so to ensure survivors have, should bond well remember concluding a Rurup or take out additional insurance.