Also are costs for the services, so to pay for the Administration, because the homemade Temple of life insurers are not paid and free of charge! If then a gezwolftelte variant of number of was agreed, this is reflected also in this life insurance: the Insurance Institute calculated that with an annual payment. Anything that deviates from that will be billed extra or interest! A policy loan is not the wisdom last final! Who beleiht his insurance because he needed amounts from the pension plan in the meantime, far more than already pays the insurance company. Because the trick of the computing Department of insurance: she give you his own hard savings money back. Because it leeches the policyholder properly and scored properly! The customer shall pay off further and further the borrowed money its normal discount from its insurance, plus the accumulated interest, whereby the credit interest rate is far below the loan rate! So here too extreme caution and a good advice is catch up. What other options are there? How can we help a gutglaubigem customer who after several years of saving phase of its billing receives and determines that he for years has paid more in his life insurance money, as he gets paid now? Probably just bad. But for many hard-working contributors, there is a solution: with life insurance and inside on the optimized fixed assets! The way that time can be however uncomfortable: the surrender value of the life insurance is due to the partly high acquisition costs, the costs for the management of the contract and the insurance has expected experience not as high, as some. Here cuts must often be swallowed. The result can be often seen.
With immediate capital needs of interest should a needs analysis with a pencil first be performed. Then is taking stock: how is the risk covered and who is against it to protect? “To provide minors with the family in the are, the death benefit is higher, than if it is only” is to the security of the partner. For such cases there are simple – life insurance, which occur only in the case, namely in the case of death! Here, usually no payment is made to the end of the contract. But even here caution applies: some insurers offer options with a contribution refund. This is simply a capital-forming part of the life insurance in the amount of the calculated contributions! Also there for completion and management costs again. The requirement is only calculated it saves quite openly. Usually, you can light the return Turbo due to this change. Intelligent asset investments are now asking.
It is pretty easy to find experts. If you want to separate itself from its life insurance, you are well advised to check in advance once, how much You can get or whether or not worth possibly even a continuation of the Treaty. See blog/expertencheck interested people have the opportunity to have a free expert check. The expert check is performed in terms of the cost-effectiveness of the continuation, of the possible sale, termination and of course an alternative retirement plans. It ensures an optimal result for the customer over ten years of experience of the cooperation partners. Of course all data protection complying with this. Christoph Gruhn