life insurance customers paid in the year 2017, around 4.8 billion euros in commissions, like the Federal government, in reply to a minor Interpellation of the FDP announced in early 2019.
This means: In the section were 960 Euro per Police . A lot of money, the already weak yields suppressed in addition. Although insurers identify these costs accurately know the least consumers know how the “world” reported, citing a study by the life insurer Mylife.
But there are products for which customers the high commissions can save you – the so-called net policies.
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Up to 35 per cent cheaper
they offer enormous savings potential. An example: In a life insurance policy with a 30-year maturity and 100 Euro monthly fee the policyholder pays a total of 36,000 euros. The average closing costs will amount to 1692 Euro , as it is said in the report. To 4.7 percent of the Savings.
The negative effect of these costs, however, is even greater: Because the final costs will be deducted from the customers in the start-up phase of his insurance contributions. These missing deposits have therefore almost the entire duration of a negative impact on the interest income.
This lost income “from the investment option of the paid out a Commission for the customer because of the compounding effect is approximately the same as the Commission payment itself”, – quotes the report of the Cologne-based insurance broker Achim Hertel. The only offers net contracts.
In the Advertise to customers emphasises Hertel is the high savings potential of net policies. The insurance professional shows by means of example policies. Hertel insurance
the Insured person can save with net policies three-digit amounts per year. If you add up the annual cost of benefits of the scheme from example 1, then the customer comes away after 22 years to a total of 16.456 Euro is cheaper – for the same insurance benefits.
In the case of disability insurance, in example 2, the total saving amounts to 3807 Euro. Display Here, you can find the optimal disability insurance!
So you can come to net policies
Effective net policies for almost all types of insurance to complete. The large insurance companies do not offer this type of contract but, as a rule, at all.
customers need to take a professional who helps you to the desired net police. The insurance Advisor, and a fee intermediary. The service will need to pay for future policyholder out of their own pocket.
In the industry are required per hour of around 150 euros. This may seem a lot – but who is preparing for his appointment, well, you can come up with a manageable expenditure of time for completion. And given the enormous ongoing cost savings that the consulting fees are money well spent.
insurer cheap rates
often offer An Alternative to brokers Online direct insurer. You relinquish seats to agents or expensive commercial – and can pass on their cost advantages to customers. However, the policyholder will get no advice. Detail knowledge you need to bring so.
Important: completion of the single cost driver are the costs for an insurance company. Customers also need to pay attention to the ongoing management costs. The annual costs are for most providers, between one and up to four percent. Interested parties should highlight the high-priced providers from the list in order to maintain their cost advantages in the net policies. PDF How do I put 20,000 euros?
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