Hedge care case is not always important, only the proportion of older people will rise steadily in the coming years and decades. Also, the percentage of dependent persons. The personal protection of a private care insurance is all the more important. While the media increasingly address the issue of care risk, abides by the consequence of the citizens, but still within limits. Less than ten percent of German citizens have already completed a nursing insurance.
The reasons for the low rate of insurance are complex. For one, many care insurance product design not on right off the bat are understanding. The nursing risk is too far away, though already affordable to have a good hedge for people between twenty and forty years many younger people. Some older persons the protection becomes too expensive or is no longer lockable because of existing medical conditions. The high supply gap and the financial consequences are often is not known. About 2.4 million people in Germany are already care.
The Government services offer however no sufficient protection, so that in case of care often own savings assets must be used or even the income of children will be applied if there is no adequate protection or wealth exists. In practice, is the social welfare office in advance and then demands the maintenance claims for children. A modern care insurance offers a wide range of services: a financial monthly payments in case of maintenance. These can be determined in the contract itself, and can be set depending on the level of care. It is also important here that the insurer provides certain financial services for dementia, if there is no care level. Boost options are also important if necessary every few years to adjust the insurance protection. Illness in long-term care as a 24-hour hotline, emergency aid in the event of an emergency, transport and moving into a nursing home, menu service, In addition, laundry service, maintenance training for the relatives or the installation of home alarm systems offered by some insurers. The sooner you take care of the care insurance, the insurance is more affordable. More information around the topic of insurance long-term care can be found on the website. Contact: Bergische insurance broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Yuri Arcurs / fotolia.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 has specially to the needs of private individuals and professionals not specialized consultancy-bound insurance representatives of individual insurance company want, but want to based on independent calculations of comparison inexpensive and powerful companies get quotes. Bergische insurance broker has connections to more than 100 different insurance companies. 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.
Clerical pay to the investor must the promised returns, no matter whether they could be generated. There is also a claim for compensation for policyholders most likely. To the exact amount to be detected, the BGH refers back to the lower courts the negotiated cases. The meltdown for clerical medical par excellence and a groundbreaking ruling to protect of investors against dubious methods of distribution of the corporations. It is obvious, that clerical medical now must reckon with a new flood of actions the remaining bruised.
Also the LV doctor complains against clerical. But also other procedures that run for years are still success with one fell swoop promising, as a few days ago. Deceived customers can look to a good future. Many insurers have made false promises of return now get off and maximum Refunds (all contributions) secure not only against clerical, but also against other large insurance companies such as Allianz, ergo, Munich Aachen leads the Swiss proConcept AG within their project LV doctor”(www.lv-doktor.de) processes, in order to help redress the numerous policyholders. “Traditional life insurance and pension insurance contracts, it is common that the surrender values far below the contributions originally paid are and above all well below the returns promised in advertisements”, so Jens Heidenreich, Director of the proConcept AG. Want you so terminate his life insurance money, expect also with heavy losses.
On the page, policyholders, who want to cancel their life insurance, can check how much the losses are actually. With approximately 1000 proceedings in all instances, proConcept AG also wants to bring policy judgments, the the unwinding of lebensversicherungs and Pension insurance contracts entail. proConcept AG considers Europe unlawful and thus reverse being according to the so-called police model of closed life insurance and annuity contracts. This means the reimbursement of all contributions in particular for prematurely terminated contracts. Our chances have increased enormously. I can advise everyone to terminate his life insurance money and burn no more money”, Jens Heidenreich thinks also. More information about these and other problems with the life insurance company cancel, see also.
Insured persons want to know what their health costs can consumers mainly in shopping and services that track costs of services, the insured person by the statutory health insurance (GKV) have little to no opportunity to inform themselves about this and Orient. Check out Herbert Simon for additional information. Here, an essential lever could be but to get better control the gap between desired low contributions and high performance. Actually must be clear to all: who demands more from his health insurance company, has to pay more for it. It is therefore but basically important to have transparency at the cost. The results of the online survey by M + M a community project of the research group management + marketing in Kassel and the money in Bremen as well as in Hamburg, the DAK show that well over 90% of participating policyholders are not sufficiently aware of the costs of taken informed health services of them claim feel. That but more cost and performance transparency generally desirable would be, 95.2% of respondents say. Similar results is also infratest Dimap and the ARD-DeutschlandTrend February 2010, stating that between 90 and 91% that voted out, that patients should get an accurate view of the cost of a doctor visit or a stay in hospital. A regular cost – and performance overview more than three quarters of respondents would very good find, only 4% rather reject this.
The request is not new but according to cost and performance overview. Largely in the population unnoticed there is since 2004 a legal claim to the so-called patient receipt ( 305 SGB V). 8 out of 10 respondents is currently not known that patients of the statutory health insurance (GKV) exhibit a patient receipt can be by their doctor or the hospital. Politicians are discussing currently increased patient receipts and reimbursement models for medical treatments. Both are already possible today, but when the insured person hardly known.
Without supplementary health insurance is no longer to get the full benefits. Today’s offerings on supplementary health insurance are so diverse and broad, since not only the overview is difficult, the selection of a suitable supplementary insurance is anything but easy. Who is here not want to rummage through the tangle of different offers and providers, which can make comparison instead of the supplementary health insurance. This is usually quick and easy and means considerably less stress than the search for good deals on their own. There are the different possibilities of supplementary private supplementary health insurance not only since yesterday, there were the first deals several years ago. With time, but many insurance companies have been added, and the market seems also today still not saturated. So the private health insurers compete the usually legally insured customers, compete so this is with them in addition to dropouts always less legal protection for their extra Make health.
A wide range of tariffs for several areas are offered. Dental rates are among the most popular supplements. With a dental insurance can secure the services of the statutory health insurance benefits such as better restorations, or other treatment measures for themselves legally insured or to increase the statutory fixed subsidy. In addition, there are also the glasses and insurance, which are exempt from co-payments for AIDS and medicines. Also the supplementary health insurance for a better accommodation in the hospital and chief physician treatment are gladly accepted. Why is a supplementary health insurance comparison makes sense? As everywhere in life is also compare insurance companies worth. This is true not only for the services of the individual policies, but also for the premiums that the insurers that want to like to see. Insurance – there are just in the present competition, requiring different high premiums for comparable services. And why not Compare if there are the same thing cheaper elsewhere? A supplementary health insurance comparison can be most quickly and easily on the Internet on appropriate portals. Usually only a few details are necessary, so that a good deal can be found.
The payday loans no credit check loans are the best option for bad credit holders. Under this category, the borrowers can meet their small and urgent financial needs. A few years from now, bad or no credit score usually acted as a big hurdle for availing the loan. But, now with advancement in the finance market, the experts have come with a special category of loans named “payday loans no credit check”. The borrowers with adverse credit score can easily avail loan and enjoy terms and conditions same are being offered to good that creditors. The bad credit borrowers are those who have skipped or have missed payments in their previous loan installments. For more information see this site: David Karp. The reason for skipping off the payments can be anything like death of bread earner, loss of job, recession, more expenses than income, etc. The people who are tagged with adverse credit score like CCJs, IVAs, arrears, defaults, bankrupts are free to avail payday loans no credit check.
The non-homeowners or tenants can thus avail loan for tackling their needs and urgencies. This is because this loan option is free from collateral possession formality. The no credit check formality offer allows the borrowers to enjoy same terms and conditions to those good creditors. The amount offered varies according to the borrower’s income. In common, the borrowers are offered amount ranging from 100 1500 with easy and comfortable period repayment of 7-31 days. The interest rate is slightly higher than other personal loans due to the nature of payday loans.
The amount availed can be used to tackle various miscellaneous expenses like house rent, loan installment, car repair, wedding expenses, grocery bills, education fees, small home renovation, medical treatment, unexpected travel expenses and so on. Usually, these loans are availed for meeting urgent needs that cannot be transferred to next month. Because they are backed with slightly higher rate of interest this is. The conditions stated below are very important to evaluate as they minimize the lender’s risk. For availing the loan, the borrowers have to meet certain conditions like: * minimum age must be 18 years * employed in reputed organization * presence of active bank account in any UK bank * proof of the UK citizen online fashion for availing the loan is the best and cheapest as borrowers are free form hassles of moving physical from place to place. Tristan Tanner is author or Payday Cash Loans Bad Credit.
About one-third without private liability insurance are still. Many liability policies is no longer up-to-date. Because there were some changes in the insurance market in recent years, insurance should look now if they pay too much or whether changes need to be made. A lot has happened in the last two years. Who has insured the liability, which should now take its police out of the closet and carefully go through. Decisive criterion for most insured persons is of course the post. There are now many new insurance products, which are cheaper and offer more performance.
If you pay too much, with a free online comparison of the personal liability insurance, you can check easily and quickly. A more favourable insurance is found, you can complete also online this. Who compares in the Internet, which should take care in the form of comparison that that the services be dialed correctly. A liability for damage to persons and together 3 million euro to pay, should be extended at least to 5. It is advisable to consider the participation of self critically. If this a massive saving is possible, one can consider them.
However, the amount of the excess should be chosen deliberately so that it finally is not at all mishaps self-payers. The agreement of a failure cover may also be very useful. It pays if one is damaged, the culprit but has no own liability insurance and is insolvent (bankruptcy). Unfortunately, this case happens only too often. Finally still a third of Germans have no personal liability insurance. In fact, this important insurance in every household should exist. Who must pay damages of a liability liability, can ruin this for decades financially and harm to their own future development. Because it is liable for a damage with his entire personal fortune until the damage is fully paid. Since personal injury several million euros expensive can be, everyone should spend a few euros a month for a private liability insurance. The policies are available already for under 2 euros. That should be its future worth each.
The decisive advantage is thus readily available capital. Of them, for example, an expensive treatments abroad, reconstruction measures or other purchases could be financed. The decisive disadvantage, but at the same point. Once capital, then no further payments. The disability insurance is a full coverage. This is no matter the reason of occurrence and a full protection is provided for the offence of the disability. But (except for a few tariffs and options), there is no one-off payment, but the payment of a pension until the end of the contract term. The advantage is in a long-term protection and the securing of income over the entire contract period.
The BU pension replaces the current earned income. The ideal product?:… would be a mix of both. If it the financial resources allow, a combination can be selected. For example, a one-off payment of EUR 100,000 to cover expenses of all sudden expenses and to bridge can pension be used to the BU (if because it’s one of the defined diseases). Following appropriate occupational disability insurance should exist yet, so that the running costs are covered. Also for an insured person where the profession can be undefined (self-employed persons who have multiple companies and / or way multi-layered activities, not clearly outline which itself can be), or those who do not get a hedge against the disability due to ill health, recommended an assessment of insurability in the dread disease insurance. This is, however, necessarily pay attention to the appropriate amount of the sum of insured.
For a one-off payment of EUR 500,000 and an assumed interest rate of 3%, the plant a pension (lifelong) from 1,250 EUR per month would be for capital preservation at least. This can be, depending on the age of the insured person, as capital consumption estimate itself. Thus, a universal recommendation cannot be given. You should deal with the protection of the worker or of serious diseases, please consult the best a specialized consultant. Further information: Guide to securing disability eligibility criteria for the disability insurance blog posts around the disability
The right retirement – but what kind is right? “Some people have even the words of the former Labor Minister, Norbert Blum, in the head: the pensions are secure”. Yes, long is BBs and at the latest since the recent reforms in the pension system everyone knows the fat years are long gone! Therefore, the current workers are rightly concerned, as it will be ordered in the future to their pension. Therefore, many people are wondering what they can do by their side, to financially protect her life at the age as well. What is already clear is the fact that the currently employed generation worry all the more to a private pension. But which is the right method for the optimal age protection with a maximum return? Should there be any homes in the form of a real estate purchase? Is a speculation on the stock market sense? At the latest since the last financial crisis many people to be skeptical but more such options. Is it the classic savings option in the form of one Be boosted? Due to the abundance of different products on the market it is difficult more especially the financial lay, to keep track of.
Also, not every product for every type of investor in question comes. If you want to make but investments and thereby do something for his retirement, you should consult to professional help. One of the best known service companies of this branch in the Federal Republic is Deutsche investment consulting AG. With focus on the age pension maintained the company business and residential customers in the entire Federal territory. In addition to the review of the current financial situation of seeking advice it comes especially to uncover still existing gaps in the retirement plans of customers and complementary to close them, taking into account the existing old-age provision. In this manner that is its own financial protection in the age in broad form available, and thus being able, currently unknown components ensuring and developments in the financial market until retirement as good it goes to compensate.
Furthermore, there is a part number variant in which the investor brings only half of his deposit. The remaining half will be within the next 15 years through Clearing with an also set distribution claim initially 5.09% per annum provided. This variant is aimed at people who want to align their planning for the future in the medium term. And finally, there is the so-called ‘classics’, a variable distribution, which focuses exclusively on the cash flow with a projected distribution of 5.75% p.a.. INVESTMENT: Stand so the flexibility in the design of the Fund in the foreground? Ralph Pawlik: I think here, the name becomes the obligation. Flexible, to develop modern investment products and to place was always expression of FLEX fund company philosophy. Our investors Fund basically have the possibility of termination to set compensation values in FLEX. In addition, an internal secondary market, through which investors can also sell its stake within a few days and has even the prospect of a proceeds exceeds the value of the plan does exist now.
INVESTMENT: So a legal closed Fund, from which man always comes out? Ralph Pawlik: Look at a combination of closed and open funds, which is unique in this form in the market. We believe that investments with fixed, long maturities are no longer up to date. INVESTMENT Fund analysis PRIVATE FLEX Fund 1 of the Fund invests in a portfolio of the asset classes real estate, securities and money market investments, and raw materials. Because the planned investments at the time of the publication of the prospectus are not yet set, there is pool a so-called blind. The holding company aims at diversification of investment funds. Among other things, the direct and indirect real estate investments is planned, primarily (both commercial and residential economic use) to make, because this is often cheaper opportunities via the secondary market.
Optimum variant of construction financing for families with a high monthly income. Berlin, 01.10.2010 – Volltilger loan (or even constant loans) are a variation of the annuity loan with complete repayment of the mortgage over a predetermined period. The timeframe as well as the regular charges laid down from the outset invariably and enable as an excellent transparency for the total financing. But what are the pros and cons and who is this loan option for? The term is usually between 10 and 20 years in advance fixed interest rate, as well as exact repayment schedule many advantages and few disadvantages. After expiration of the term, the mortgage is fully paid. So no interest rate risk arises, no need for re-negotiation and compared to normal”annuity loan shorter term of less interest burden. The borrower knows the period and thus the repayment rate, and the monthly burden on homogeneous rates in advance up to the full repayment of the loan. However, are in the Unlike the classic annuity loan no special repayment or repayment suspension possible.
“” A Volltilger loan may neither upwards “still down” differ from the previously fixed terms. All this means an extremely high financial planning security. Also mean times of low interest rates (as they currently are), that such Volltilger loans are cheap to get. This is because that the favourable interest rate serves as the basis for the calculation of interest for the planned Volltilger loan. This interest can no longer be changed until complete redemption, even if the General level of interest rates rising again. High-income borrowers with good credit standing, which can significantly reduce so their total financing costs are the main target group for Volltilger loans. This is of course interesting for every borrower, but not everyone can afford this kind of redemption, because: quite usual initial repayment rates by at least 3 per cent (only 10-year term even almost 8) Percent!) is this loan option somewhat for builders, which can also easily shoulders a such monthly burden, because the rates are correspondingly high. For this reason, an appropriate examination and valuation of the assets and income of the applicant takes place side by credit institution, of course.
Volltilger loans of comparability with other forms of loan are similar in principle quite constant loan when building societies. However, the differences are that held no accumulation phase or other links with various forms of loan. A pure Volltilger loan is not only easier to understand, but also with very clear cost structure. Otherwise, Volltilger loan with conventional annuity loans are similar, however with the already described differences in structural design (full repayment with previously fixed term and repayment and fixed interest rate). Conclusion who the disadvantage of high mortgage payments over several years due to his income or asset situation need not fear, should be sure this loan type closer look at. You also a clearly calculable, safe and cheap loan repayment offers clear structures and exempt the borrower from further considerations. For more information and offers can be determined under Immokredit24.com. It may be very worthwhile to examine the possibilities for the completion of a Volltilgerdarlehens on the basis of one’s own situation! More information: Volltilgerdarlehen low cost, quick repayment loan types which loan types there are?