Guarantee interest, silent cargo there insurance

on 06 28, 2010

Guarantee interest and silent loads when insurance silent loads are the counterpart of hidden reserves. Be overstated in balance sheet or profit and loss assets or liabilities undervalued, is it actually worse is, than on paper. Such quiet loads insurance especially insurance to life insurance Kämpfen.Garantiezins with due to exchange rate losses and loss of value on the stock exchanges

Since in particular life insurance guarantee a specific minimum interest rate. It is not regularly high, but it is relative.Insurance therefore guarantee a certain minimum interest rate, trying to generate more interest and pass if it again to the policyholder part.
The financial crisis led to losses for the insurance. Thus their yields fell and guarantee interest could be achieved now partially no longer.
The guaranteed interest rate varies depending on the final year in the life insurance.On average, the Verischerer but must generate 3.6%. The capital market for large investors currently hergibt not so much, you can learn at any reputable bank condition request.

Silent loads a risk insurance?

Most insurance have learned from the Börsencrash 2002 / 2003, although many insurance the years had to fight afterwards with the consequences (cf. Manager magazine).The equities should be low in most insurance. But, as with a bankrupt of arg threatened hypo, also certainly thought papers in danger would come real estate.Also therefore the State based system relevant, which can currently cause incredible control mentality.

Learn more about 1 comment to 1Robert
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22. 04.2009
to 11: 21

Today so I think hardly something is to really secure and behind everything somewhere hidden traps and hooks are.Something opaque for customers or insured is of course deadly in the insurance business.Therefore I think personally that you should get an insight into the topic in any case, pays a good advice but still still most, because only in this way can I find out extensively and in detail but as a layperson and also additional get input.That you can make cost quiet times a few pounds when you be satisfied for it to be really well covered at least on the current state of knowledge.

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