"Lebensversicherung-Bestatter"
wie das klingt?! Als ob ich der Totengräber der Lebensversicherung wäre. Übertreiben wir mal nicht. Aber anderen help them out of their "misery" I would want.
before yesterday I received a call from a woman who had saved diligently for years contributions in a LV for their retirement. Since quite a sum is met. Now she needs but short-term money and the best thing they could use the money, their own money, just take from this insurance.
Can You!
By beleiht their own money and paying interest paid or canceled. That's perverse, pay for their own money.
That must be for these companies won a lucrative business, because every second of life insurance is terminated early, every second, 50%.
Why put so many people of their money for retirement in life insurance?
Because it is the grandparents and the parents have done it! That's why I do it so can not have been so wrong. Right, but since there were other pension, the pension level is by now also in the basement.
The minimum interest rate for life insurance is now at 2.25% when inflation is taken into account what is left then? Capital destruction!
now say yes there are many companies but as 4% of the customer will receive from us.
Right, but what for example 4%, the savings share!.
What does this mean, savings portion?
of their paid contributions sagen wir mal 100 € werden nur 60€ als Sparanteil verzinslich angelegt, 40 € gehen weg, das ist der sogenannte Kostenblock.
Das ist alles nur theoretisch so, in der Praxis sieht das anders aus. Das stimmt, die Spanne dieses Kostenblocks liegt von Gesellschaft zu Gesellschaft verschieden zwischen 20 - 70 %.
Wie hoch ist er bei Eurer Versicherung? Fragt mal, bin gespannt was Ihr zur Antwort bekommt.
Was nun, doch soviel an Kosten und so wenig an Gewinn auf meiner Seite. Wo geht denn das alles hin?
Kann ich da was ändern?
Muß ich da was ändern?
Soll ich da was ändern?
Dreimal Ja,Ja,Ja
Raus aus der Lebensversicherung for retirement, get out of this investment!
Although right now the first-time costs and loss of means.
With each subsequent day in this investment with a 2.25% return of the loss is even bigger!
The alternative is for me tangible!
Any devaluation has remained the value of tangible assets.
Take nurmal homeowners in GDR times, the houses were not changed to a 2, whose house is now not worth half the contrary. So investment in property!
Why is constantly in the large and prestigious newspapers read that we should from our LV-contracts out why we advise the consumer centers of those contracts from?
