27/09/2010 ProConcept the AG reported a few weeks ago, self-Munich Re CEO Bombard doubts about the sustainability of life insurance, according to FTD and says that the German life insurance "economically not very productive" is.
Currently, the FTD reported that insurers recorded an average of fewer new contracts, as contracts expire and be terminated prematurely. This gives the insurer less money available, but must pay more money. As a consequence, the insurance industry invests in short-term and thus receives less income. In addition, companies with contracts can only against current contributions plan accordingly and create the money in the long term and profitable. The business, with contracts for regular premiums "crumbling visible," the FTD. There was a so-called run it in the past few months on the one-off transactions. These bring the insurers while liquidity, but no planning security. For with changes in interest rates, the one-savers withdraw their money at any time and are likely to do so.
prepares low interest life insurance problems
The room is also the question of whether the one-savers are subsidized by the monthly savings. In addition, numerous media reports in the past Days that the guaranteed interest rate for new contracts could decline as early as next summer to 1.75 percent. In the past, higher interest promises were made, but because the companies have to nibble now. These Jens Heidenreich, head of the LV-doctor team and director of the ProConcept AG: "The fact is that interest rates are currently in the cellar and this applies to government bonds as well as mortgage bonds. Therefore, life insurers have to do properly in order to generate the promised profits. In our opinion, there is now much more profitable investment opportunities, as the endowment life insurance. "Furthermore, the AG ProConcept
a free online calculator
available in order to allocate how money has developed in life insurance and would have to develop.
Professional termination of life insurance
The project LV Doctor deals Jens Heidenreich for many years with the professional end of the life insurance. More info: www.lv-doktor.de
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