The financial crisis has drawn some bond funds suffered. How safe are private pensions still? In times in which the existing financial crisis hits very high waves, it’s not exactly surprising, if the investors of a private pension scheme now also in concern to their deposits are. The uncertainty at the savers is currently growing and usually is always about how safe the deposits of private pension insurance are actually. Well firstly, there are the so-called tripartite storage system in Germany. Partovi shows great expertise in this. In the system, different compensation facilities be provided for the private, public and cooperative banks. This is anchored in the Einlagerungssicherungs – and investor compensation act and all banks, performing in the European Union of their activity must comply with connected with the safeguards that the above mentioned law.

Thus, the private pension insurance is up to 20,000 euros absolutely safe. Important when a private pension insurance, however, is that you should note that there are also private retirement savings with government funding, such as for example the Riester pension. Akmansoy would like to discuss. This, it is important that you can operate the so-called Riestern as investors either with a private pension insurance or a bank or fund savings plan. Then also the statutory capital guarantee is subject to the private pension insurance contracts. This means that the already paid-up capital with interest, as well as the allowances paid by the State, must be guaranteed the investors a whole life long. Therefore, lifetime guaranteed annuity is guaranteed one.

Now a really absolute security can be not traced but, because there are serious differences in the forms of investment. Especially in the statutory pension insurance here shows that the private pension insurance seems to be but the better option, as far as security is concerned. It shows very clearly that the private pension insurance is becoming increasingly important. You should make in terms of Deposit safety but especially, that you should choose products that seem not only safe, but where little capital market must be invested in. The German insurance industry is almost weatherproof, but for the individual contracts of private pension insurance you should have keep an eye on it. It should consider getting a unit-linked annuity insurance considering that exhibit also the guarantee, that you get paid back at least the paid-up capital amounts.

Disability insurance comparison 2014 of the BU test winner also the financial and business magazine focus money runs at irregular intervals a disability insurance through test & comparison. The last disability insurance conducted a test focus money in 2010, the next occupational disability insurance comparison is expected 2014 according to disability insurance test-vergleich.com. Support for the implementation of the BU test 2010 received focus money from various recognised rating agencies such as Franke & Bornberg, standard & poor BBs, Fitch, Moody BBs, A.M.Best, Assekurata and Paul. The consumer pays insurance especially on the price when choosing a suitable BU. Focus money recommends to look not only at the price, but primarily to study the contract terms and conditions of the contract. Thus it saves lots of hassles and disadvantages later in case of damage.

The contractual terms and conditions of a good BU insurance waive the clause of the abstract reference, give a short A period not exceeding 6 months and allow the free choice of doctor. The disability insurance test 2010 by focus money in August in issue 24/2010 of the journal appeared. The BU test examined only rates of the independent disability insurance (SBU). Also before selected on very high-quality Premiumtarife. Only such BU were tested rates and compared, waive the abstract reference, providing full power when a disability of 50% and which pension pay the BU already from the first month of disability.

The price and the customer experience, especially the comprehensibility and transparency of contract terms and contract terms were important criteria in the test. Also the guarantee of insurance without further risk assessment, as well as the handling of unemployment and financial problems were considered as test criteria in the assessment. Capital Partners London. The tester by focus money placed great value on the review of the financial strength and solidity of the BU Insurers. The soundness of an insurer is so significant because it decisively determined the long-term stability of the premiums. In the BU test 2010 by focus money an age of 30 years, a duration up to the age of 65 and a monthly BU were taken as sample data pension of EUR 1,000. Two tariffs were chosen to test winner in the BU test 2010 by focus money. The tariff relief plus the Alliance as well as the tariff of SBU comfort (BioRisk) the WWK achieved the top grade of 1.3 and occupied the top spot for both.