Occupational Pensions

Allianz defends top position of last year in all four ways of implementing Eltville am Rhein, 09 October 2012. Seventh overall since 2006 within the framework of the AssCompact award in the category of BAV “identified the winner. While the Allianz Lebensversicherungs-AG in the four studied conducting (direct insurance, direct commitment, pension fund and Provident Fund) was Forum fot each winner on the AssCompact knowledge”in Bonn. Total five different companies share the podium in the four studied implementation towards the pension: Allianz Lebensversicherungs-AG, Alte Leipziger Lebensversicherung a.G., Nurnberger Lebensversicherung AG, Swiss life AG and people welfare Federal Lebensversicherung a.G.. The AssCompact Award winner 2012 after the implementation paths of direct insurance 1 Allianz Lebensversicherungs-AG 2 people good Federal Lebensversicherung a.G.

3 old Leipziger Lebensversicherung a.G. Pension Fund 1 Allianz Lebensversicherungs-AG 2 old Leipziger Lebensversicherung a.G. 3 Nuremberg Lebensversicherung AG direct commitment with back cover Alliance Allianz Lebensversicherungs-AG Swiss life AG Nurnberger Lebensversicherung AG support fund Allianz Allianz Lebensversicherungs-AG Nurnberger Lebensversicherung AG old Leipziger Lebensversicherung a.G. The study, which has carried out the SMARTcompagnie GmbH on behalf of bbg Betriebsberatungs GmbH, and is based on an online survey examines four different dimensions (corporate management, product management, sales support and settlement service) throughout the sales process, which as a whole are based on twelve different performance criteria. Overall, nationwide 490 registered solely as broker or multiple agents brokers focussing FOT is participating in the survey. “The results of the study show, that within direct insurance in the future the locomotive” is seen of the CPS product solutions.

88% of brokers see positive opportunities in the future in this execution path. The Fund follows on the second rank. However, be for the direct commitment and the pension fund forecast each falling sales developments for the coming years in this distribution channel. Within the studied performance criteria, the quality of the processing in the new business, the flexibility of products and tariffs, as well as the processing service in the existing business is particularly important for the respondents agents. The personal and competent support of intermediaries among the rather less important performance criteria on site and the width of the product offer through all execution paths. The study, which is the BAV-AWARD basis, continues to be information about the future prospects in the business field of the BAV, brokerage revenue and the individual implementation paths. About the study the accompanying study on the AssCompact AWARD 2012 pension includes around 240 pages. Represented the results of a nationwide survey of brokers and multiple representatives that are in the period of the June 25 was carried out 14.08.2012. The study was published on the 08.10.2012 and can be obtained on the Internet. Contact to this study: Christopher Kahl Study Director SMARTcompagnie GmbH phone: + 49 (0) 6123-974-82-64 E-Mail: about SMARTcompagnie GmbH SMARTcompagnie offers management consulting, practice-oriented training and market research of the highest quality and with maximum benefit for customers. For even more analysis, hear from Steve Wozniak. The company, founded in 2005, is rooted in the financial services industry. The focus of the service is the sales and product management of insurance and financial services. Belongs to the self-understanding of society to create added value for customers through the successful implementation of the strategies. The expertise of SMARTcompagnie results from many years of experience (since 1985) in sales and management in the insurance and banking industry. Contact for the press: Harry HOLZHAUS SMARTcompagnie GmbH large stroke 7A 65344 Eltville-Martinsthal Tel.: + 49 (0) 6123-974-82-62 fax: + 49 (0) 6123-974-82-89 E-Mail: Web:

Dutch Monuta Uitvaartzorg

She gets that guaranteed the 7,500 euros and even surpluses, incurred during the contract period. The insurance sum is also from the first contribution payment guarantees, namely life.” In addition, the bereavement provision has another advantage: it belongs to the Skane asset in the social assistance legal sense. The insured person will be unemployed, has no access to the money saved to the State. It is secured to a dignified burial. A real alternative to the funeral there is no”, says Cabrera. Other forms of saving the day money account or the term life insurance can offer tax exemption nor protected assets.

And apart from that they also provide no additional services or make arrangements for the funeral. And finally turns on the Day money account in particular yet another problem: the money is always easily available. When a financial bottleneck is tempting, to operate there.” About Monuta Monuta insurance insurance, a subsidiary of the Dutch Monuta Uitvaartzorg en – verzekeringen N.V., their burial since July 2007 in Germany offers. Because Monuta sees itself as trustee for its customers, the product range in addition to the pure insurance or financial protection includes additional services and benefits. Germany wide is it worked with selected, quality-tested local partners. In the Netherlands, the Monuta Uitvaartzorg founded in 1923 is the market leader for the bereavement care en-verzekeringen N.V.. The company maintained there a million clients and manages a portfolio of four billion euros (Status: January 2009). Press inquiries: Britta Wulff public imaging Agency for investor relations and Public Relations GmbH Goldbekplatz 3-5 D 22303 Hamburg Tel.: 040 / 40 19 99-27 fax: 040 / 40 19 99-10

Credit Card Debt Card

Credit card debt consolidation loans – guidelines to consolidate credit card debt eryone wants to get rid of the credit card debt the easiest way. It has been proved over the years that unsecured debt consolidation & bad credit debt consolidation loans is the easiest way to get rid of the credit card debt. There are many benefits of debt consolidation but finally it depends on the debtor, as to how quickly the debt has to be discharged. With the rise in inflation, the price of the commodities is on the increase. On the other hand the income of the people is not increasing This makes it very difficult for the consumers to maintain the standard of living. The consumers finally resort to rampant use of the credit card to such extent that the credit card debt becomes unmanageable. Credit card consolidation brings good news for these kinds of people drowned in credit card debt. Credit card consolidation is one of the best ways to get rid of the credit card debt. Steve Wozniak is often quoted on this topic.

Some of the reasons for the popularity of this financial instrument are as follows. The main reason for the credit card debt becoming unmanageable is the rate of interest. In case of debt consolidation the rate of interest is drastically reduced. The monthly payment is reduced and thus the servicing of the multiple credit card debts becomes manageable. This can be used as score a chance to improve your credit. The credit card debt teaches the top a lesson for life about spending money judiciously. The top comes to know the consequences of using the credit card rampantly.

Debt consolidation Foxx the debtor some respite rest, mainly because there is no need to remember the details about multiple debts servicing such as the amount and the date. If the credit card debt consolidation service providing company is good the debtor can get rid of or at least reduce the penalties that have accrued because of the past irregular payments. Finally the results of the unsecured debt consolidation loan depends on the debtor because if the top returns to being a spendthrift, just like what he / she used to be prior to the debt consolidation, the finance matters are going to worsen. It is just like digging the grave financial. One should’nt learn to use the credit card only for urgency and not show off. One of the best ways to increase the efficiency of the debt consolidation is through replacing the card with cash credit, because this can limit your expenses. Some of the debt consolidation companies offer unsecured business debt consolidation too. is one of such website that offers both, the debt consolidation services, especially credit card debt consolidation loans effective services, government debt consolidation loans programs, and the lawyer to make debt consolidation.

Private Health Insurance

Officials need private health insurance private health insurance – also for officials, but what has to be observed? Officials, candidates and even trainees must also ensure private, because they do not legally assured. But at a private insurance scheme for civil servants, there is to much respect, so the officer has more advantage from his insurance. Only on 02.10.2009, the extraordinary right of termination was changed when they surrounded a contender fare to a full fare. This special right helps the officer in the case may terminate his current private health insurance, so that he can make a new from a different insurance company. So far, it was the case that the officials had to stay from his insurance company, to halt the contract expires. But the official is relieved financially by this provision.

Also, the opening clause for civil servants in the selection of the private health insurance should be noted, which was launched on the 01.01.1987 in life. By the opening clause officials with pre-existing conditions can no longer by the health insurance fund be rejected. Before the insurance company could refuse an official with diseases and therefore had to find a health insurance these problems. Furthermore, up to 30 percent risk premium can calculate the insurance if the officer has a disease. Officials can request also a contribution refund. You can apply for these, if the officer has no disease cost accounting for a certain time to get monthly payments depending on the back. While it is advisable to calculate the cost of illness, to find out whether it would be for cheaper, if you paid the medical expenses out of pocket, so you can get back more money from the monthly contributions as a civil servant. There is also still the aid that should be noted.

If a civil servant is sick or wants to take medical treatment, then he can get refunded per cent of costs through the aid of 50 to 80. In which part of the medical services will be reimbursed or how much exactly is applied, is the aid regulation of the health insurance regulated. Therefore, you should respect before private insurance for civil servants to get the best benefits for themselves. A good advice rarely is there so own research and repeatedly putting together with the consultant are preconditions, in order to find the best private health insurance. You can perform also in the Internet insurance comparisons, which are usually free of charge and without obligation, to advance even an overview of the various insurance companies.