Tag: insurance & pension

Good protection against disability despite symptoms is occupational disability insurance – in particular on the basis of the extensive health issues – often problematic. Insurance companies requires risk surcharges or exclusions of performance at various diseases quickly. Some well-known German insurers currently offer disability insurance with simplified health issues in the context of temporary actions. Usually five, queried in occupational disability insurance doctor visits, treatments and diseases of the last even ten years. A correct answer to all health issues is compulsory insurance may otherwise deny or reduce the benefits in the emergency circumstances. Some insurers now waive these long periods of time under a temporary action and limit the health issues over the past three years.

On top of that, the number of health issues is much lower than usual. For even more opinions, read materials from Lookheed Martin. As a result, many people with pre-existing conditions can However, arrange powerful BU protection. Note, however, that these tariffs with simplified health issues can have some hook: so the insurable occupational disability pension is often upwards (I.e. limited maximum 1,000 euro BU pension per month). The otherwise ulichen later boost options, so-called insurance, are typically excluded in this action. Depending on the insurance company, the promotion is valid only for certain professional groups. Who had ever applied for a disability insurance and it was rejected, is often excluded from these actions.

The health issues are easier than usual; who had however certain diseases over the past three years, may not benefit unfortunately by this action. Despite these few drawbacks should be people who are looking for appropriate disability insurance with abbreviated health issues, about these offers and the exact requirements for a Inform the conclusion of the contract. Just for people who otherwise would have to expect performance exclusions or even a rejection of the application, the BU action represents an opportunity. Learn more about the ‘BU with simplified health assessment”are on the website of TURBO action.BU Kompass.de to find. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly / fotolia.com the Bergische Assekuranzmakler GmbH operates as an independent insurance broker. The company based in Wuppertal has written himself a high-quality advice on the flags and opts for a sustainable, social and environmental policy. This cooperates the Bergische Assekuranzmakler GmbH with over 100 different insurance companies. Customers are mainly via the Internet, by phone or supervised by post – both at the quotations as well as in the Event of a claim.

What alternatives do I have as a student in the health insurance? While the majority of the working people is automatically insured in the statutory health insurance, students have the choice between the statutory and private health insurance. Family co-insurance for students students who have been legally health with her parents, can continue so for the period of their training. The advantage is obvious for the family co-insurance no insurance premiums are due. However, this applies only up to the age of 25. Then, the student must independently ensure in the statutory health insurance. Here, there are discounted student fares, it is also up to the 14th semester or age 30. Student private health insurance students can free themselves but also from the insurance obligation. For more information see this site: Richard Plackett.

You can then enter in the private health insurance. The various providers have often special rates for students, but also a much wider range of services than the statutory health insurance offers. So the practice fee is waived, cost for ante-natal examinations, Visual AIDS and dentures are usually applied. Therefore private medical insurance for students can be worthwhile even if the contributions are slightly higher than the statutory health insurance. You may want to visit christie’s art auction to increase your knowledge. Continuation of the private health insurance students who were already private health insurance as a student, because one or both parents in the private health insurance can also while studying in private health insurance remain, if let free within three months after the beginning of the study from the insurance obligation. Compare tariffs but also applies to students, that they if they opt for private health insurance, should inform themselves precisely to the various tariffs. Here there are differences both as regards the price as the performances.

Therefore a comparison of insurance or but the advice is recommended by an independent Insurance experts. Because a return in the statutory health insurance is no longer possible for the duration of the studies, so you should carefully choose the tariff.

officials, Judges, soldiers 4. application submission must be submitted within the first three months of self-employment at the competent employment agency (Employment Office),. A later submission is no longer possible. As proof of is to present a business registration or a certificate of the tax consultant from the full-time self-employment is seen. Educate yourself even more with thoughts from Russell Reynolds Associates. If the application was made and all other eligibility requirements are met, it starts coverage with the day on which the requirements for the insurance contract are met. Perhaps check out Munear Ashton Kouzbari for more information. 5. Termination of insurance since early 2011 may be terminated after five years with a three-month period the voluntary unemployment insurance.

The insurance is terminated prematurely by the employment agency as soon as the insurance premiums are no longer paid. Here this step should be considered but well, what is worth the trouble which remains years if necessary. 6 Occurrence of the insured event is the amount of the claim for unemployment benefits not according to the amount of the unemployment benefit granted in the oocyte but on a fictitious indicated pay. This reference is the individually and as depending on the qualification of the applicant and the type Employment, on which the employment agency then establishes mediation efforts. The unemployment benefit from the voluntary insurance of work depending on qualification and region (East or West) between 636,90 and 1.322,70.

The duration of the payment of the unemployment insurance is dependent on the extent of the periods of insurance completed in the last five years prior to the introduction of unemployment and by the age. Unemployment is in this case, as well as otherwise also to finish as quickly as possible. The efforts must be verifiably substantiated. Formerly self-employed must be as well prepared to take up paid employment. It is not easy to decide whether the insurance now or not be applied for. “Our Tip: consult not only with the work agency with you but also with a neutral founder coach, together the question what evidence – what about it” individually weigh for you.

Equipment for the age – there are only three ways to be financially independent…… someday: save, save, save! You think if you earn more, you’d be wealthy? Nonsense! You are wealthy not by the money that you are taking, but only by the money you don’t spend. Saving is not cool and no fun? Also nonsense! You probably have the correct target and certainly not the right reasons, to achieve it. You remember? You had a very special wish as a child and have really saved money each. Every adult you have told and tried to involve him – in your “savings”fever.

And remember how proud you were, when they had actually made it? Can you not save? And thus to know that the banks still never just how gravy as it had never been the banking crisis. Interest rate reductions passed on to savers now, borrowers, the different looks. Who overstays his or her account will pay up to 20% Interest. What individuals cannot do is capable of a community often. Save with a registered cooperative means safe investment in turbulent times.

And often, their savings are significantly better than those of established money houses, such as the magazine”in one of their last editions reported. Even with a small money”, an interesting asset can be saved to with patience. No magic and no sorcery just the compound interest effect. So, for example, the registered cooperative offers also the participation in individual monthly AVG EC (equipment and precautionary advice cooperative) a Sofortbeteiligung in the form of a one-off payment. This leads to an investment of EUR 12,000 at a savings plan of EUR 100 per month after ten years. The asset at this time is appropriate dividend yield, for example, at EUR 20,000 and after 15 years, without any additional deposit or withdrawn, at about 95,000 EUR. Tip: Pay any overdraft interest rates by up to 20% at your bank. Rather implement an interesting Dividend yield at a cooperative. About the plant and precautionary advice cooperative EC the purpose of AVG plant and precautionary advice cooperative EC is the economic promotion and support of the members. The object of the company is advising the members in all financial matters and the most profitable investment of the business assets of the members taking advantage of the benefits resulting from the merger as a cooperative. The cooperative can take over all in the area of finance, the system of business assets and the advice of the members tasks, insofar as it is not subject to authorisation of the banking. It has in particular the tasks to achieve price advantages for the members of the Association to a cooperative, as well as the Community system of capital, the support and advice of members in relation to the investment of capital and the development of financing schemes and optimization of output structures. The EC works exclusively for its own members. It lays its own capital, i.e. the business assets of its members, in the framework of its possibilities. The EC maintains no foreign capital. It is determined only by the idea of self-determination and the democratic rules of the cooperative law. Contact: AVG plant and precautionary advice cooperative EC contact: Andreas Laing Menzelstrasse 14 14467 Potsdam 0331 7017777

Homeowners can now refinance @4.5prozent refinance with Obama’s mortgage plan all homeowners who have been affected by the current market scenario can now get a mortgage refinance at a refinance rate of 4.5% by Obama’s stimulus plan. This program has been specially prepared to help all the customers whose property value has decreased by 15% or more than that. Homeowners would get relief with stimulus plan by getting their mortgage refinance at 4.5% that would make their loan sustainable throughout the complete life of the loan. Here is the eligibility criteria for Obama’s stimulus plan to get the loan modified at a refinance rate of 4.5%: 1. The entire customer’s whose property Council have been dropped by 15% or may be more can get their mortgage refinance at 4.5% interest rate. This would help them recover some of their loss which has been caused due to downfall of the value of their property. 2. If the loans of the homeowners are backed by Fannie Mae and Freddie Mac, they can get the mortgage revised at a refinance rate this rate which is really low.

This would further make their monthly installment amount less than 31% of their current big monthly income and no. installment amount would cross 31% of the large monthly income of the individual. 3. now, each customer who is facing foreclosure can get their mortgage refinance by stimulus plan at a fixed interest rate of 4.5%. This would make their loan cheaper and one would be able to sustain the payments. This way you can save your home and avoid foreclosure. The reduced interest rate will provide big relief to the time homeowners and they would now be tension free. 4.

you are eligible for mortgage refinance by Obama’s stimulus plan, if you are using your home for residential purpose, and your property is your primary residence. This rate is not available for any other type of property like commercial etc. So of you fall under any of the above mentioned categories, you can get your mortgage refinance at a interest rate of 4.5% by stimulus plan offered by president Obama. To know more about Federal mortgage refinance program and to check if you qualify: mortgage-refinance-loan-application.php

Of your own shield for the private risks the global debt problem increasing in the protection of private property and of pensions. An individual analysis of the personal asset structure is strongly recommended. Primarily investments in money values such as government bonds and life insurance policies, which were so far as safe harbours, are today increasingly seen as risky. Classic German insurers, for example, the value of money or bonds share average is about 80%. Property vs.

non-monetary asset structure should have a new environment customized distribution of investments. A higher weighting of assets – high-quality stocks of globally active companies, commodities, and precious metals (physically deposited or as direct investment) is recommended. Liechtenstein insurance solutions with depot in Liechtenstein or Switzerland Steuerkonforme life or annuities from Liechtenstein allow your wealth international you on the one hand to diversify, on the other hand offer unique structuring options for your individual assets, retirement and estate planning, as well as the famous tax advantages. Precious metals and monetary policies of Liechtenstein the possibilities of physical precious metal investments, as well as the flexibility of Fund or ETF investments bring the investor benefits. A wide range of insurance solutions of from different suppliers with investment opportunities in precious metals and property of Liechtenstein Versicherungsmakler PMS AG provides customers with increased security requirements. Investment strategy of precious metals & Swiss franc cost-efficient asset management from 100.000,-with investment in physical gold and silver (stripe tape storage), as well as Swiss francs in individual deposit in the Switzerland. A physical thing payment possibility. Individual asset protection the precious metal investment (E.g.

physically affordable Swiss precious metals ETFs or special fund of precious metals from Liechtenstein secured,) can with all the EU/EEA States to the public distribution of approved funds or ETFs to a portfolio of individually optimized asset protection can be combined. Advantage: A gradual portfolio construction is modified conditions possible and also quickly if necessary. Policies from 50.000,-a single premium. “Capital protection real value police this also by the magazine capital protection-confidential” recommended police allows from a single premium of 20.000,-a free combination possibility of real value investments (Liechtenstein precious metal funds, E.g. SafePort) forecast-free trend follow-up investments. Asset protection savings plan of precious metal Fund can also in part of a savings plan (from 100,-PM) be drawn. Diversification is a high-quality selection of equity funds and mixed funds (Ethna, Carmignac, fidelity, Templeton and others) as well as more than 30 ETFs of Deutsche Bank, as well as Black Rock available. No front-end. You get supplementary information, individual advice and offers directly at the PMS AG.

The primary care not enough out, which helps a dental insurance beautiful teeth have their price, but as a result of health reforms, the solution is private dental insurance here as the legal funds except for a low fixed subsidy pay hardly anything. A good insurance but accepts up to 100 percent of the cost depending on the tariff. Particularly in the present economic situation, finally good and at the same time affordable dentures is becoming increasingly important. Dental care must be not always expensive because there are massive price and performance differences in the dental insurance. Therefore, always a comparison of different prices, services and tariffs worth.

Typically, the dentist before a larger treatment creates a cost and plan of salvation, in which all costs are included, by the statutory health insurance and which are covered by the patient. In case of doubt, what costs are covered, you should contact directly the competent statutory fund. Thus one costly interventions alone sitting on the high proportions of equity remains, is the conclusion of a dental insurance makes sense. Your dentist can certainly tell you what services should be included in your insurance anyway, so your costs are largely covered. The statutory health insurance is basically namely only if the treatment is medically necessary and the type of treatment in the service catalog is listed. There is also a prerequisite for the fixed subsidy, that the treatment is carried out by an approved Panel doctor. One is asked for everything so goes beyond these basic services, even to the cashier and because dental treatment bills amounting to several hundred or even thousands of euros get together, you should think seriously about concluding a dental insurance.

This assumes also the costs for fillings, implants, inlays and the here generated private medical account shares after an initial waiting period of eight months depending on the tariff. Twice in the year recommended professional tooth cleaning and prophylaxis will be refunded as well usually. In any case, you should take the contract closely before completing a dental insurance and compare with those third-party services. Our comparison calculator on dental insurance test is you a big help. Diessl Kurth Finanzmanagement GmbH & Co.KG

Information about providers and compare vacation the best time of the year. The booked trip can be very cheap or very expensive. Everyone has to take out the possibility of a once – or annual travel insurance. The contract can be agreed with or without excess. Advance booking period must be checked. Here, the following information is particularly important: departure travel end travel sum 1 posting date of travel once or annual travel insurance with or without excess nee data of the passenger travel participants in domestic community live secure travel is a cooperation partner of various travel insurance company and receives the booking instructions of the respective provider.

If the booking period fits a desired travel insurance plan can be completed. (Here are some explanations: 1) start of the trip – when leaving your home and take the journey? (2) when do you actually home completion of travel -? (3) amount of travel – the travel sum consist of a flat-rate booking can be booked individually. The telephone Booking, online booking or the booking in the travel office is possible. Here, the total cost of the trip must be named. 4) 1 posting date of the trip – travel insurance is for the 1 booking date or the date when the traveler has received the confirmation key. Here are the corresponding notes of the travel insurer to consider. (5) one time insurance – insured a trip by the start of the trip until the end of the trip.

The duration of the trip is crucial for travel insurance as the travel period can be limited. Annual travel insurance provides insurance protection for unlimited travel. However the sum of the travel and the travel period must be checked again each, as for annual travel insurance for an insured sum is applied. Should the trip be higher, it is possible to insurance of course.