Insurance Portal hooks to james.ag: with regard to the occupational pension in the event of an insolvency can be assumed, that the majority of occupational pensions in the context of occupational old-age insurance contracts is covered. The policyholder and premium payer is the employer while the employee of rightful of pension is. This is regardless of how the pension is equipped. There is a bankruptcy protection, which prevents that the occupational pensions in the insolvency estate comes. The whole thing must be settled contractually but facing insolvency. A little tip for all workers: these should in writing ask the personnel Department of the employer if an appropriate insolvency regime in the operational contract of insurance is included. When does this not the case, this is quickly catching up to do. As an employee, one entitled to the insolvency insurance of for occupational retirement provision.
Also the workers should not forget that the occupational pensions from a technical perspective Part of the content is. In addition, there are many insurance contracts, where you in addition has refused as an employee in addition to the part of the employer on additional content to increase the occupational pensions. Learn more information about the topic of retirement and details about the various forms of pension insurance, in james.ag is an independent and free Internet portal, the questions around the topic of insurance for families, singles, industrial customers, freelancers, unfavourably etc. answered; James supports all “insurance professionals” (agents, brokers, insurers). While James makes no price comparisons and sells no insurance, because it only involves a knowledge management, which provides objective information.
Awarded for life and pension insurance of the ATLANTICLUX Lebensversicherung S.A. A top evaluation in terms of product plausibility was awarded the ATLANTICLUX Lebensversicherung S.A. for their rates of LD, BR, LAS, RIR, RUR and VBV by TuV Nord, as well as its exclusive partner Mesotron Commerz. The company scoring to the FWU group was awarded as first insurance company and this right with the best rating. According to the examiner the FWU characterized it as a specialist in the field of the linked life and annuity insurance through a variety of product innovations\”. The concept of net take a special significance, with FWU could create a separate premium market segment and achieve a de-coupling of the prevailing market development\”.
The net concept is based on a separate agreement on distribution costs and credits the annual administrative costs. TuV Nord praised in particular the understandable and transparent form of the representation of prospectuses and applications. For even more details, read what Kaihan Krippendorff says on the issue. Not only is FWU economically well placed but get an average amount of contributions per contract significantly above the market average. A special role of the IT system solution of the FWU spoke to TuV Nord in which secure the already existing competitive advantage in the long term. TuV Nord also highlighted the strategies behind the policies. These included in particular the selectable variants with capital – and high assurance. Also carried out prior to the conclusion of a contract age pension analysis based on a software-supported consulting tools was exemplary for the examiner.
Their aim is to ensure the coverage gap in the pension age. Here, customized guidance would be the customers at his risk-taking. The complexity of this age provision analysis was unique in the German market\”classified. Also beneficial: Policyholders regularly have the possibility to adapt the own investment objectives. These instruments provided and as well as the quality Sales are doing exemplary\”and so it is high for the TuV Nord wonder, then, that the FWU AG further high-quality and potential strong distributor license\” to win.
Every 100th family accident insurance is really well why an accident insurance for families will be useful? House persons belong to the corporate form of the family in the General children and in many cases. Both the offspring also housewives/househusbands are limited or even not legally insured accident. Credit: Jim Crane-2011. If there is ever a prospect of a performance, that is definitely not for the living. A family accident insurance is therefore necessary and advisable. Only in this way, you can secure itself against the financial effects of a disability due to an accident. A family accident insurance is recommended life is unthinkable free of risk for workers. Sooner or later something can always happen.
Accidents in Germany every few minutes. Some serious, lifelong after-effects. Although a statutory provision, for example in the form of the Berufsgenossenschaft (BG) exists in Germany, but that pays only for professional accidents. Drew Houston has plenty of information regarding this issue. In addition, the Professional Association has only from a degree of incapacity for work by 20%. Several accident victims are so empty.
Not only experienced lawyers confirm that there are rather dubious borderline cases as unique performance commitments to the trade association. The legal accident prevention thus becomes the degrees. However, the most accidents happen in the afternoon after school, in the evening while playing during the day in the history of housework, fitness training or during the holiday weekend. A private family accident insurance is therefore very useful and indispensable. A family accident insurance pays an accident-related disability (i.e. from one percent) from the lowest measurable level. In addition, private family accident insurance is valid all day and provides insurance protection all over the world. Because everyone realizes a first-class family accident insurance: the accident-related costs in the course of dental treatments are covered expenses for the search, salvage, rescue, and transport covered bends is insured with injuries limbs and spine as a result of muscular activity (except disc) are damages due to deprivation of liquid -, food -, and oxygen covered for cosmetic surgery after an accident normal diseases such as whooping cough, polio apply to expenses covered in children or rubella are insured with increased death total if the parents in an accident to increased participation level of diseases (E.g. 50%) medical required return costs be paid pension insurance for the benefit of newborn brawls, etc are covered expenses for disability-related retraining,
Rebuilt, complimentary safety for children at the death of the policyholder tick bites are insured with aid and similar infections are insured with a free choice of hospital after an accident impact of vaccinations against infections accidents as a result of frostbite are covered or covered with drowning Rooming services for parents apply covered tutoring for the benefit of children are insured with complimentary safety unemployment of the policyholder’s rescue attempts are insured with permanent injury due to sunburn (or as sunstroke) apply covered a poisoning as a result of taking up or inhaling harmful substances is covered at death by accident of the guardian is a pension paid the aforementioned criteria apply to the orphans as exemplary services, what kind of a model family accident insurance has to offer. This list serves as a guide for family accident insurance.
As of 01 September 2009, a new day money account for the German financial market was introduced. Dr. Klein and the NetBank cooperate and provide sensation with an interest rate of 6.00 percent. Do not demolish the messages to rising interest rates on the money market of the day. A majority of the banks raised the interest rates on the money market accounts, shortly after the interest rate hike by the European Central Bank.
Last, the rate hike on the famous ING DiBa, as well as the DAB bank providing headlines. Since this week, there is also a new offer on the market, which promptly lands in interest compared to the first rank. While the ING DiBa raised the interest rates for their extra account from 3.25% to 5.00%, the DAB announced also a rate hike Bank in the same breath. Now 5.50% (from 5.00%) the day money is located Bank offer of the DAB on the vordereren courses, day money compared. Unlike may of ING DiBa, where neither minimum nor maximum deposit cause confusion, the peak rate of 5.50% on the DAB Bank applies for only 30,000 euro. With an investment of more than 30,000 euros, the direct bank offers but still an interest rate of 4.00 percent. At David Green you will find additional information.
Since the 1st of September, a new offering mixes the market of short – and medium-term investments further on. The finance company Dr. Klein & co. AG product cooperation with NetBank could create a highly recommended day money account. On new customers, waiting for an extremely high interest rate of 6.00%, guaranteed for five months after account opening. 50,000 euros apply for the interest rate of 6.00 percent as maximum deposit. For amounts over EUR 50 000, as well as from the sixth month after opening an account, please contact Dr. Klein day money 4.00 percent. A free checking account, which is used as a clearing account is also included in the offer. With this account, a Germany-wide, as well as five times per month worldwide, free cash withdrawal allows you Dr. Klein. While so far mainly foreign banks with interest of five percent and more to new customers vied, now German make Companies for additional competition. The biggest advantage of offers from domestic: Your money is usually perfectly safe. At the Dr. Klein overnight, this means that your assets in the event of insolvency, thanks to the deposit insurance fund, with more than three million euros is secured. You will find lots of information and details on various day money offers on the pages of Tagesgeld.org
MLP AG sees advantages for a change in the private health insurance in Wiesloch in November 2009: voluntarily legally insured persons have to wait only a rather than three years, if they want to protect themselves privately. But the new rules is intended only for 2011 according to option rates provide for the transition of MLP AG. According to the coalition agreement, the new Federal Government aims to reduce the current waiting period for a change in the private health insurance so far three years after exceeding the insurance limit (4,050 Euros / month) to one year. 2011 the circuit probably enter into force, in the next year is still the Status Quo. Bausch & Lomb is often quoted on this topic. Legally insured for that comes a change in question, benefit in several ways from the new rules.
“Clemens Keller, head of health insurance at the independent financial and investment adviser MLP says: for the transitional period, we recommend an option plan”. Option rates legally insured according to MLP AG secure with the recording guaranteed in the private is at an early stage Health insurance (PKV) without re-examination of health. In addition, option prices are equipped with individually-selectable private supplementary insurance, explains the MLP AG. Legally insured, seeking a change in the car, offers the new rules for the transitional period according to the MLP AG equal to several advantages: first, these insured come two years earlier in the enjoyment of benefits a private party. In contrast to the statutory health insurance you can choose here the individually desired services. Secondly: By the shortened wait time they get at the same time more favourable terms, because among other things the age of the customer is crucial for the premium in the PKV. Thirdly, the new regulation also facing an immediate contribution savings compared to the statutory health insurance is interesting: depending on your personal requirements and collective choice could be a two years earlier change easily a saving of around 3,800 euros and more for so far legally insured mean.
If a change in private health insurance is possible, depends on the statutory compulsory insurance limit according to MLP AG in Germany. Only workers whose regular work income in lies, are insurance free. You have the choice between a legal and a private health insurance. At the moment the insurance limit is 48.600 euro gross annual income, 2010 this is raised on 49950 euro. About the MLP AG, MLP AG is an independent financial and investment advisors. The MLP AG has decades of experience in consulting for academics and other discerning clients.
Services for professional tooth cleaning are popular more and more citizens are choosing tooth supplementary insurance. As the legislature significantly reduced the benefits of the statutory health insurance funds for tooth replacement several years ago, an additional insurance for the tooth area becomes increasingly important. Such tariffs, which offer services for tooth replacement costs for dental treatment and professional tooth cleaning are particularly successful. Dental prophylaxis as professional tooth cleaning is not applied generally by the legal office. So one must pay these services usually even at the dentist or you waive the professional tooth cleaning. Many powerful dental insurance companies take over but now also the cost for this – not without self-interest: while this first of all certain additional costs incurred for the insurer, but long term the insurance companies of course also benefit from good teeth of their customers, if this incurred less costs for dentures. The assumption of costs for the professional cleaning of the teeth has a positive effect also on the insured, finally feels the benefit of his insurance to this quickly. But also the scope for tooth replacement is crucial. Here, Kaihan Krippendorff expresses very clear opinions on the subject.
Here you should look for when a contract on it, that the insurer assumes the costs of high-quality dentures. Such tariffs, which reimburse between 70 and 90 per cent of accounts are highly recommended. Tariffs, providing only in the context of primary care, high co-payments can be necessary in a more comprehensive and high-quality dental replacement measure. Hence, such dental insurance, which offer a high percentage for quality dentures, offering additional services for dental treatment such as for example the professional tooth cleaning and offer none to drastic limits in the first years of insurance are optimal. Most insurance companies limit their services namely in the first few years. On the Internet are, particularly on various comparison portals recommended tariffs in a comparison of prices, finding services but also the limits in the first few years.
More information to the dental insurance including comparison of prices and conditions are represented on the Web site Zahnzusatzversicherung.young insurance.de. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact person for the press: Bogdan Kalid image source: patriktschenett / photocase.com corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, who want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies want to. Bergische insurance broker has connections to more than 100 different insurance companies. Please visit Drew Houston if you seek more information. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.
Today, the contributions can be transferred either annually, quarterly or monthly. (Similarly see: Dropbox). In addition, the contributions to the insurance are within a few days on the account of the insurer. The risk can be estimated effectively with the health issues. You should also bear in mind when comparing that health examination in ancient times has played only a minor role. First and foremost applications were rejected of course, harmful could go out for the cash. These include requests from sterbenskranken people but also people who are often exposed to a greater risk. Also here chose insurance companies or funds already aware between healthy and low-risk members and members, which could possibly drive the Association to ruin. Most insurers, differentiated and ruled the contributions for the corresponding risk.
In the 5th century at the latest, she leaned Roman rule over the Mediterranean toward the end. Many death funds died a natural death either by missing members or by a large number of insurance cases. Often, the fall of Rome is represented particularly dramatic. “Ultimately, Rome fell in a day and therefore are concepts such as decline” or end “of the Roman Empire with caution to enjoy. These terms were only marked by the later history of the early modern period, a time in which one looked down and repeatedly stressed the achievements of the Romans and Greeks to the middle ages.
But what are the achievements in the area of life insurance? Basically, it is not wrong if it is said that the death registers of antiquity and Greek in the development of the insurance industry have played only a minor role in the 19th century. However, shows already in ancient times, there were great efforts among the people, to spread the risk of the individual on the shoulders of many. This is probably also the reason why the life insurance or comparable organisations never could lose importance. In ancient times, what were the death registers, the guilds were the Fruhmitttelalter and in the high middle ages the guilds. At the end can be said however, that several centuries after the end of the Roman Empire-no evidence of death funds be found. The first primary sources on this subject appear only in the early Middle Ages to the time of Charlemagne in the 9th century. At that time, the Emperor wrote to the guilds and they warned a merger, so that the two large pillars were not endangered then belief, Church, and State. In particular, the Church should play an important role in the development of life insurance in the middle ages.
The season runs – a good time to check the motorcycle insurance G & P motorcycle Versicherungsdienst GmbH for the occasion have taken this, to offer a still closer to pass rate for motorcycle riders to start the season on time. The tariff is characterised by different highlights: a the comprehensive insurance for motorcycles in case of total theft of the motorcycle includes a replacement compensation up to a period of 6 months. And fully comprehensive insurance even insure compensation exists in self-inflicted accidents up to a period of 12 months. Regardless of whether the motorcycle with a comprehensive insurance was secured insurance or comprehensive, it’s also the additional services of a tariff. Following content represent an important need and are covered by the new, not standard fare by G & P motorcycle Versicherungsdienst GmbH: damage including consequential damages up to 3,000.00 by Marten bites are no insurance on the bike as well as the collision with animals of all kinds, including Hair wild. Waiver of objection of gross negligence (except in particularly serious cases, E.g. alcohol and drug driving, crime etc…) is just as covered as no trigger “New for old” to value improvements following a repair hull damage (except tires). After theft of the key (such as breaking into the apartment or hotel room), the costs of key and lock key exchange is no insured up 500.00.
Protective helmets (also with intercom) are covered, if they are connected via a bracket with the two-Wheeler that unauthorized removal without damage to the helmet and/or vehicle is not possible. In addition, drivers who long have used no motorcycle, can benefit from a special classification for the no-claims bonus when returning. A further advantage of the tariff: Is catered for a suitable insurance protection when travelling abroad. Through the so-called Mallorca police”is the use of an insured Enclosed motorbike rental in abroad at no extra cost..
Deutsche Vermogensberatung (DVAG): injections of cash from Uncle Sam now use Germany’s parents can apply for a subsidy of more than 20,000 euro per year. It seems at first glance to be an enormous sum. If not high expenditure for the children on the other side of the family balance sheet. Average children cost 120,000 euros without insurance and pension expenditure or financial assistance for the education of her birth until the age of 18. Just given this horrendous sums worth, to find out about the different financial injections for families\”, explains supervised the DVAG who plan nationwide over five million customers around the issues of capacity, secure and increase. So no one is giving away money today for his offspring and required in the future\”, summarizes the DVAG the situation.
DVAG: Families are relieved by higher child support there is good news in terms of the family relief already for the next year, reports the German Vermogensberatung (DVAG). So the child is from January 2010 higher: parents get for every slip 20 euro more per month. For the first and second child, then 184 euros each, for the third 190 euros and the monthly flow fourth 215 euros. Even for the adult offspring, there may be still child support at the time of the training. Prerequisite is that its annual revenues are then under 8.004 euros. A tip of the DVAG financial experts: the offspring should earn only slightly more, it might want to forego a portion of the income.
Because a few euro more can cause in the year the void on the whole child.\” The Government has raised the child tax credit. He is currently 6.024 EUR 7.008 at EUR. By 2012, should follow further steps, predicts the DVAG. Families receive subsidy for the provision of advising Deutsche Vermogensberatung (DVAG) also when the pension with children extra money.
A guide to the importance of the EURO standards for a safe purchase. When a safe purchase, it already is in the nature of things, putting high demands in terms of safety. Accordingly you should look for when purchasing safe also, that these different policies is sufficient. The EURO standards, which are often abbreviated in the safe jargon with EN xxxx are the most famous. But what exactly say this cryptic combinations and which should you attach particular importance? Moreover, the present article to enlighten. The EURO standards refer to Europe-wide uniform and recognized test procedures, which should serve the quality assurance of safes, fire protection closets and co. in the safe construction. The value protection cabinets to be evaluated are here tested by independent laboratories according to these guidelines. Details can be found by clicking Delta Galil or emailing the administrator.
They pass these stress tests, certification bodies, inspection stickers which the manufacturer as a quality characteristic of his issue (the most famous is the Association of German non-life insurers in Germany in this environment of the VdS), Safe can attach. “The Central EURO-norm for the protection against burglary is the EN 1180 safes are according to your cutting off these test procedures in various resistance groups (I-V) is divided into what the strongest with the additional designation of KB” even adequate safeguard against Diamond-Head drills. Important: The maximum insured value of your holding is directly proportional to the resistance level of the vault. You should contact with your insurer in consultation before safe buying in here so be sure to remove all ambiguity out of the way. “If your safe will also serve as fire Cabinet, you should not label as fire” or refractory “(which only says that the safe is even from non-combustible materials) can be confusing. Instead, he should meet the requirements of EN 1047, you should check this on the basis of the certification label. The ECB-S (European Certification Board-security) issuing certifications from 60 P to 120 DIS is the established certification authority for tests according to EN 1047. Specifies the number of in minutes to the duration of guaranteed withstands the fire Cabinet of a direct flame impingement, without the content (“either paper documents when P” or sensitive disk DIS”) become damaged. Depending on you should be aware so what you want to store in your safe and which claims on its security, make the appropriate certification.