In life insurance policies of German citizens put a total of around 100 billion euros, as Numbers of the Confederation of the Insured (BdV) to show. Now the insurance lobby sounds the Alarm: A recent study by the “Bild”newspaper, according to dramatic results. “More than a quarter of the 84 studied companies has serious problems,” said BdV-speaker of the Board of Axel Kleinlein the sheet. Saving is always smart!
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Thus, well-known names to the ailing providers. The report lists the Affected and sorted them into three categories:
insurers with loss maintenance
- Nuremberg official LV AG
- R+V LV AG
- Sparkassen-Versicherung Sachsen LV AG
- Süddeutsche LV a. G.
- uniVersa LV a. G.
- SIGNAL IDUNA LV a. G.
- VPV LV-AG
The above providers are expected to retract in the current year losses.
the insurer with a low solvency
- Bavarian officials LV a. G.
- Concordia oeco LV a. G.
- Debeka life V. V. a. g.
- ERGO LV AG
- Frankfurt Munich LV AG (formerly Arag LV AG)
- Frankfurter LV AG HDI LV AG
- HUK-Coburg-LV AG
- country life help VVaG
- new life LV AG
- RheinLand LV AG
- Public LVA Oldenburg PBLVAG
- VRK LV AG (formerly family LV AG) care
The solvency of these insurers is so low that the business is operating only with the transitional measures more can be done.
Five companies at risk double
- DEVK LV a. G.
- Frankfurter LV AG
- country help VVaG
- PB LV AG
- RheinLand LV AG
The Above suffer both losses in the current year, as well as under a tight financial situation. life
the warning is based on official data of the company
The warning of the BdV is based on the mandatory Reports that insurers disclose their financial situation. Especially the position of the double companies at risk, according to expert Kleinlein “problematic”. The free comparison of FOCUS Online (display) life Here, find a cheap risk insurance!
The expert warns in the report, investors in front of it, a life insurance policy for the purpose of the pension plan.
Not all customers of financial KAHL threatens to blow
police owners are not defenseless in the case of economic problems of the provider. Since the year 2004, with a protector, a statutory protection Fund for life insurance. The explains on its website: “This hedge Fund is for the protection of the claims of the policyholders, the insured persons” as well as beneficiaries. A provider of massive financial problems, device protector takes on the order of the financial Supervisory authority Bafin the policies.
can’t, However, weigh all of the customers in safety. Protector only protects the contracts of companies that are members. A list of these providers can protector download.
life insurers for years, under pressure
, The provider of life-insurance companies can no longer achieve because of the for years low interest rates of their targeted returns. A consequence of The so-called guaranteed interest rate fell in the past few years. He currently sits at 0.9 per cent, at the end of the 90s, it reached 4.0 percent.
an Alternative for investors
Not only the current analysis speaks against the conclusion of a life insurance policy for retirement. For years, the providers suffer from lower yields – a consequence of de low interest rate policy of the European Central Bank (ECB).
Interest-bearing pension insurance, from divorce as an Alternative for savers, because they are subject to the same market mechanisms.
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