Zurich Financial Services Group

The conveyor Renteinvest DWS premium is the best Riester pension insurance according to oKO-TEST. The combination of innovative fund facility of the DWS and the Zurich insurance provides for higher yields than at other insurance services. With the combination of yield and comprehensive security convinced that Renteinvest DWS premium conveying not only oKO-test, but already a variety of Bonn financial customers. Michael Treasurer, Board of Directors of Bonn financial to the premium product: an important part of our advice is to inform our customers of funding of the State and the possibilities of their use. Go to Payoneer for more information. In most cases but know too little about their chances of the German citizens and therefore take these gifts not to complete. Filed under: Payoneer. “The conveyor Renteinvest is the best example of a State-sponsored retirement plans, with an attractive yield with simultaneous safety.” The Fund investment is adjusted daily to the trends on the stock exchanges. So no returns are given away and the shares is reduced depending on the stock market or increases.

Even those who have completed already an other Riester pension, may differ from the conveyor Renteinvest DWS premium benefit, they transfer their existing contract to the winner. The Zurich Group acquires within the meaning of the customer all necessary measures. The accumulated capital of cover onto the new Riester contract. The ongoing contributions and grants flow into the new profitable product. For more information about product offerings at: Foundation in 1970 is the oldest all financial sales of Germany Bonn financial. The company offers secure all financial advice targeted existence for all layers of population. Since 2002, Bonn financial is a subsidiary of Zurich Financial Services Group (Zurich). Zurich is an insurance provider with a global network of subsidiaries and offices in North America and Europe as well as in the Asia Pacific region, Latin America and other markets. The 1872 founded company with headquarters in Zurich, Switzerland, employs approximately 58 000 people, provide the services in more than 170 countries.

Private Insurance

Checklist helps in the decision-making process who a private health insurance consider draws the conclusion, should deal intensively with the topic. Just so he can be found optimal insurance protection and the appropriate insurer. The following listing makes it easier for interested parties to take into account the key aspects and to have what they need to look specifically at a glance. For more clarity and thought, follow up with Payoneer and gain more knowledge.. Pre-existing conditions existence of pre-existing conditions, must take the insured risk premiums or performance exclusions in purchase. Performance exclusions usually offer insurers, if they can set a reasonable risk for the expected costs for making the application because of the nature of the disease. By such exclusions, the insurance for the customer is usually uninteresting. Number of persons from a multiply members existing family in private health insurance with significantly higher costs than in the statutory health insurance faces, because each insured in the car needed its own policy.

When independent family it comes up with also private insurance may be the case, for it cheaper. Excesses who agreed excesses, can save significant contributions, particularly in the areas of tariff “Outpatient” and “Tooth”. In case of illness, the risk of cost increases however. Therefore, it is important to ask, what is the cost level is sustainable advance. The policyholder, plans abroad for a long time abroad to work or study, a fare with global scope, which allows longer stays abroad is recommended. In this context, some insurers offer also group rates for companies that frequently send employees abroad. Some insurers cover special methods of treatment going beyond the standard catalog services from alternative healing, alternative practitioners regulations or psychological treatments. Because such treatments is often more expensive, the insurance contribution for these rates is correspondingly higher. Tariff zone a “stationary” Single room as well as the Chief Physician treatment may be part of the private health insurance.

Sales Manager

Complex models have the disadvantage that they are difficult to understand in their diversity, which repeatedly leads to (negative) surprises. Who not well acquainted with in a foreign matter and the world of investments for most Germans is a book with seven seals can of course the advice and expertise of consultants rely on. However, it is impossible for laymen to check is whether these experts actually track or only believe to be able to foresee possible developments. Credit: Pinterest-2011. However, experience has shown that a.) Extreme situations hardly ever properly be foreseen and b.) Extreme situations occur more frequently than one would expect. The latter not least related to restricted ability of the experts, to understand cause and effect in its entirety.

Private investors are therefore well-advised if they themselves at their facilities to simple basic models and easy to understand Limited basis instruments. Artificial worlds of product should avoid, even if they are still so auspiciously advertised. There are no free advice derived from above finding that only simple concepts are permanently safe to implement and control, you should build neutral consultant support, who actually understand their business. Good advisers, recognized their solutions that are simple, clear and easy to understand formulated. Caution is advised when proposals are made, which are connected with a plausible sales history, whose building and mechanics but not reveal you. Indicated by a consultant that is appropriate for you and the way, as your needs and questions are recorded and answered. The flop around on the certificates of the Investment Bank Lehman Brothers shows how little so-called Bank Advisor free advice is worth. These are mutated in recent years gradually to members of the sales team and since then under solid Selling pressure of the Sales Manager.

Who expected to receive objective advice in these circumstances must not be surprised later on the actual results. Good advice is expensive, but worth it, because even after the financial crisis 2008 one will not change with certainty: the greed will cheer the creativity of people for financial success in the future. The combination of expertise purchased to and own common sense will assure a reasonable return on your capital assets and protect you from harm. You want to learn more about this and other financial topics? Then you can visit my weekly column on. Her Sidney Batt (financial planners with eidg. FA)

German Federal Agency

The good performance of the company is completed by significantly higher compared to Germany economic growth in Greece. in 2005 this amounted to 3.7 percent and 4.3 percent in 2006 even. ASPIS PRONIA in Sweden is successfully active in addition to tribal lands in southern and South-Eastern Europe. For German investors: despite the Greek insurance are subject to in Germany contracts also German law, i.e. they are contracts with national party completely assimilated. Featured product on market entry in Germany developed ASPIS PRONIA familiar on the quality of its services and a bunch of product innovations.

Also Babakos is safe: in addition to the already existing classical pension insurance solutions such as the ratierliche pension and MEGA ASSET, the deferred annuity with one time amount, we have now developed a real product highlight with the optimized ASPIS PRONIA basic pension. The added value and the above-average interest rate included are we can distinguish ourselves with our Rurup pension in the market 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 in Greece the State the responsibility and control of the national insurance companies and in addition over the existing funding unusually high interest payments the secret behind the high appreciation of annuities by ASPIS PRONIA are 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 is well over 1.5 million in Europe. 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 at the German Federal Agency for financial services supervision (BFin) under the number 7323 registered. Broker of pension insurance listings is the delta consulting gmbH in Neu-Isenburg, which acts as the representative of the ASPIS PRONIA in Germany. Contact for the press: Jurgen Ronsch Press & more GmbH on the capelin bushes 95 48155 Munster Tel. + 49 (0) 251 899 1854 fax: + 49 (0) 251 899 1112 email: this press release can be obtained, area Press Center, electronically.

Insurance 2020 – How Are We Be Insured?

Experts discuss future insurance options. 2012 several experts about trends, issues and need for reform in the German health insurance system have debated at the capital Convention under the title health insurance 2020, how are we in future insured?”. Most of them do not believe that the citizens insurance will come. Even by 2020 there are trends of statutory and private health insurance which is currently much criticized private Krankenversicherung (PKV). Although there is a great need for reform, only very few experts in the capital city Congress believed in June 13, 2012, the early introduction of citizens insurance. In the coming years, three trends will determine the German health insurance system, said Prof. J.-Matthias Graf von der Schulenburg from the Research Centre for health economics at the Leibniz University of Hanover.

He predicted more competition in the health insurance market, harmonisation of statutory health insurance and the car, as well as more private provision. Problems and reform needs GKV and PKV currently have the legal and the panelists at the capital city Congress noted 2012 to fight, the private health insurance with very similar problems. To the statutory health insurance funds as well as private insurance companies would have to provide more and more older insured, need more and more services. The other GKV and PKV faced with rising health-care costs through medical progress. Due to these problems, a competition between two systems in some ways is necessary to maintain the services in health care for the citizens.

However, many panelists saw an urgent need for reform. In the year 2020, there will no longer be the car in its present form, the experts said. Compare the offerings of GKV and PKV for consumers the health insurance market is opaque now in many places, why the insurers should be even stronger than pilots for its members working according to the experts. It is currently for policyholders and insurance-interested advisable, through an independent insurance specialist to the advantages and disadvantages of individual offers advice to leave. The citizens can perform a detailed comparison of the performance but first simply and conveniently online here. C. Gorner

Stair Lift Purchase

How to finance the purchase of a stair lift? The decision is made, a stair lift is purchased. Who has reached this point of view, has an important question when purchasing a stairlift removed already, namely the funding. It is not so simply, the costs imposed by a stair lift purchase only from own resources to compensate for. Generally judging from when buying a stair lift along with his installation of a cost of about 3,000 euros, these costs may affect also 15,000 euro amount depending on how curvy is designed around the stairwell but that caused an overhead during installation and thus also an overhead in terms of the amount of money one has to pay engineers and salespeople. An important step in the funding is just not unnecessarily increase the cost to make. Gain insight and clarity with Ben Silbermann. One way is to keep the cost as low as possible, of buying a used stair lift.

Often used stair lifts provide equivalent Quality new products, but are significantly less expensive to purchase. This results from the fact that the previous owner often has no real use more for the stairlift, there is for example an heirloom because the prior user is deceased, which is a point, unfortunately, is with stair lifts the order of the day. Has it kept the cost as low as possible, it involves the actual financing of the stair lift purchase, say: the deployment of funds. A key factor is the statutory long-term care insurance. This supports buying a stair lift to 2,557 euros, unless there is a classification in a certain level of care. Looking at this price in comparison to the usual sum of 3,000 euros for buying and installing a stairlift, so can be obtained already alone a large part of the due sum in this way by the insurance company.

The Insurer

Special arrangements can be made for a temporary stay abroad outside Europe. Under the terms of the pattern, it is accordingly so that the sick will be payable only at a hospital. This has a certain protection purpose of the insurance community. Who wants to pay an “extended” holiday on insurance? Here some companies but their conditions also improve, for example by en waiver on the word ‘public’ or the inclusion of already existing diseases at departure. It is problematic but for non-European foreign countries, at least if here is no agreement. And “can” means yes don’t “have to”. How is it now to refuse service in the above mentioned case? The insurer became aware that the customer is not at home stopped in this case your visit and relied on the corresponding statements in the Insurance terms and conditions. There we find following restriction in article 5: (1) no obligation is incapacity f) if the insured person doesn’t adhere to their habitual residence in Germany, except that it is without prejudice to paragraph 2 in medically necessitated hospital treatment (cf.

section 4 para. 8 and 9). The insured person in Germany will be unable to work, outside of habitual residence as the sickness allowance is also, as long as the illness or health consequences preclude a return to medical findings; The insurer was and is here in the law. A performance requires the presence of the “habitual residence”. It is not possible, as in this case, to dwell with the sister on the lake or to reside elsewhere (except in hospitals). Sense this constraint is the 1 again) Inability of the company control and 2) the question to want to pay here no vacation. However, there is Disease pictures, for which this would be useful.

Respiratory problems or skin diseases, sea air can be quite useful. Go but without consent (not written) of the insurer to forfeit your entitlement to sickness allowance. Even if you reside elsewhere, and there fall ill, so you have to go back as soon as possible. Only if this is not possible from a medical standpoint, only the claim continues to apply and you get sick. There are exceptions to this rule? Yes. There are companies which have committed here in the conditions to better regulations. It is possible in Germany otherwise to reside, if this is notified to the insurer in writing after the latest changes, inter alia in the hospital per diem of Halle health insurance. Exactly in such cases should be enabling, which make easier the recovery just conveying or it for the sufferers, because it is for example not alone at home. What can I do if my insurance company does not offer it? Change the conditions could not be and also individual additions are not possible. State of health allows it and makes it economically because of age meaning (yet), so you can check whether a separation of insurance and hospital daily allowance insurance (KT) is possible. While the health insurance remains as it is, the sickness allowance can be newly insured at another company. However, not every company is willing and able, because many have not “solo” the sickness allowance (i.e. without there existing health insurance”to. However, this alone should be a criterion, because here are many selection criteria to keep in mind.

Comparison Portals

New study on comparison portals for insurance appeared for the conclusion of insurance policies is the Internet becoming increasingly important. About 85% of the participants in a survey carried out by ibi research information on the Internet about insurance products. More than half, a comparison portal attracts for the search. The current ibi study comparison portals for insurance comes to this conclusion”, collected in the requirements and expectations of customers comparison portals. The majority of survey participants in addition to the search on the Internet open faces also an online degree: 66% indicating that they would basically complete on the Internet. Leading the automotive products, personal liability and household insurance. The advantage of the comparison portals is for the respondents mainly in the possibility for your own information, as well as in time and location independence.

Around 40% of those interviewed see the most important reason for concluding comparison portals in the low price. Also the Transparency of tariff services represents an advantage for 42%. The transparency of prices, as well as the option to immediately conclude see nearly two-thirds as the reason for the use of the portals. Disadvantages are for almost three quarters of the respondents in the inadequate consultation and in the absence of a contact person on the spot. Furthermore, the participants of the trustworthiness of the comparison portals doubts over half. Just as many are not sure of the legal situation in case of damage and wishing at this time such as the support of experts. The Internet plays a crucial role in the purchase decision making process of the customer.

Comparison portals neglect but just that phase of the process, where the interested party should fundamentally are encouraged to purchase of an insurance. So first researched a majority of Internet users in other places about the needed protection and visited the websites of comparison portals in particular the specification of the product. Almost half of the interviewees wishes you a comparison portal in addition as an entry point for general information on the subject of insurance. A third is even willing to specify data to the personal life situation, to obtain an optimal hedge proposal. According to the results of the end-customer survey, the comparison portals relating to the support of the customer in the purchase decision process are evaluated in the study. This purchasing decision process is divided into the four phases of stimulation, evaluation, conclusion, and after sales. The evaluation shows that there is still much catching up to do in the design of Web pages. The comparison portals have a 23% overall target achievement in support of the user along the customer buying cycle up to 56%. Although no comparison portal has implemented all of the assessment criteria, is evident in the evaluation that all phases of the customer buying cycle approaches to the optimal design to meet already. This applies to unite, to bind the customer in the long term to the portal now.

Frankfurt

There are clear differences in price, because some homes offer exclusive housing for the elderly, which can boast of a fine facilities in addition to the normal maintenance and includes special services. Finally, any “downward” to be even in the event of the need for care. (Click just click home, and then on “MDK transparency report”. Here individual costs are displayed. In BERLIN, it would look like for example: here on the island of Rugen for example: or in Frankfurt am Main as: very easy is to recognize that the costs arising from the legal supply here are not enough. When a care level 1 and at least are the nursing home (in the still quite cheap Mecklenburg Vorpommern) 19,92 EUR per day (17, 26 + 2, 66 EUR) to be paid. 29,84 EUR daily even in the case of the care level III.

In Frankfurt, the amounts are far higher. There I already 58,31 (38,86 + 19.45 EUR) in the maintenance stage due, which makes After all, 1.749 EUR a month. The to care even in the stage III, monthly 2.403,30 EUR at the nursing home should be to transfer. This is simply unsustainable with most pension entitlements. What happens if I can not bear the costs? Then assets are first used to raise the cost of maintaining.

These can include a House, jewelry or other cash / equity assets. This is then to exploit. Thus the appropriate and perhaps the children intended to legacy also decreases. Also, the claims of the children should be tested. Under certain circumstances, these are indeed responsible for dependent parents. Only when all these possibilities have been exhausted, demands for social services are possible. This then provides a corresponding surcharge at the nursing home. However, even just a little pocket money remains the care for themselves, the rest “is” what for the maintenance on it you can do about it? Hedges as a supplement to the statutory Care insurance are possible in different ways. In my blog post “Maintenance costs or maintenance allowance” I’ve already presented two of these possibilities you. But be careful: especially in the small-print hide the differences. Or did you think that there are no claims some providers at long-term care with dementia? Aubrey just need a permanent care. In the coming weeks and months, some providers will revise their conditions to the long-term care supplement insurance or bring new products on the market. Do thoughts alone to the cost, the need for hedging and other criteria. Talk through the various products, solutions, and opportunities to your advisor, then decide in peace and quiet. Think also to your parents. They have a corresponding product for hedging? For existing homes, which maybe long are family-owned, it makes to protect this sense as an insurance policy against the exploitation.