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Life insurance under pressure: experts warn of guaranteed interest rate trap!
Find out about guaranteed benefits, bonuses and trends in life insurance until 2025.
Life insurance under pressure: experts warn of guaranteed interest rate trap!
Retirement provision is a central concern for many people. In Germany, life insurance offers a form of financial security that includes both guaranteed benefits and the possibility of profit participation. The term “guaranteed benefits” describes specific minimum benefits that insurers, including Zurich Deutscher Herold Lebensversicherung AG, promise a policyholder. These minimum benefits may not be fallen short of, and each insurer is liable up to its quota. It is important to emphasize that these commitments are not guaranteed by Deutsche Bank AG or any other entity.
A central aspect of life insurance is the profit participation, which is not guaranteed and can be set annually. This participation depends heavily on the development of the capital markets. Loud deutsche-bank.de The exact amount of the bonus participation is often unclear at the start of the contract, which can cause uncertainty for policyholders.
Profit sharing at a glance
Every year at the end of the year, life insurers determine the bonuses for the coming year. These investments are crucial as they can increase the sum insured guaranteed at the start of the contract. The total interest is made up of the maximum interest rate, also known as the guaranteed interest rate, and the profit participation. The overview of pkv-gewinne.de provides information on life insurers' bonuses for 2017 to 2025, including a complete table of bonuses for 2018 to 2025.
In recent years, many life insurers have stopped new business or sold portfolios due to persistently low interest rates. This development is leading to restructuring in the industry. Insurers who have sold portfolios or whose sale is being considered are listed in this overview and provide an insight into the changing market. This also has an impact on the profit sharing, which is relevant for the insured.
The information and analysis about life insurance and its bonuses helps consumers make informed decisions about their retirement planning. It is advisable to regularly monitor current developments and find out about the respective offers and their stability.