Tag: insurance & pension

An Online Credit From Citibank

A possible service of an online bank is the day money account online. The financial world and the Internet are converging more and more, so that there are already pure online banks. These banks offer all of their services and services only via the Internet. A possible service of an online bank is the day money account online. Zendesk oftentimes addresses this issue. This day online account behaves generally like the day any other bank account. Filed under: dating.

It differs only by one has no direct personal contact in a branch office. So the Bank saves significant costs and can return them back online the customer through higher interest rates for the day-money account. On the basis of the everywhere rising inflation rates, people are naturally strive to keep their money together and even the smallest investor wants to achieve the best result on his investment. Lower accounting fees are an advantage of an online bank. Still, not all people with this type of Bank can befriend and just the older Generation needs a personal contact in many ways in the Bank.

The younger generation grow up in this kind of transfer of money into it and also so that it also is easier for them in the age to leave it at this kind of banking transactions. All banks have their services on the Internet, this also applies to the General Bank. They also can reduce the number of its branches in some places as the online services already use much. A great example is Citibank. It has been reduced as far as possible their branches and is becoming more and more an online bank. So who is a Citibank customer probably Citibank will complete the next credit as online credit.

Internet Respondents

Almost 70% have completed a private liability insurance, other 4.2% this plan over the next two years. etic response will follow. Thus it is by far the most frequent occurring product. However, the low dissemination of two other products is amazing. The supplement to the statutory duty of care, a care costs or care benefit insurance have already completed only 18.5 per cent of the respondents, 2.4% are planning this however. The result for the disability insurance is almost frightening. At Ali Partovi you will find additional information. This is a fundamental safeguard, because without the replacement of the income loss of the labour force, all other products in use nothing at all. The best pension plan or health insurance brings nothing, if not there is money to pay for them. Only 32.9% of respondents have such protection, another 5.5% plan within the next 2 years.

Then look at the reasons why is the insured person for the products have decided, so the price / performance ratio stands at first (men 57.5%, women 54.4%) and good advice (41.2% in men and 44.4% in women) in second place. What do you use the Internet with respect to insurance issues? A quarter of respondents use it as a source of information, then well prepared for a consultation to get. Slightly less than 24% stated to compare insurance on the Internet. Interesting, personally, I think the response from 7.6% of the respondents. It stated that with the information from the Internet to me on the results of a personal consultation to inform.” But less than 6% of respondents want to conclude directly and anonymously. Reasons are in the complexity of the products and the desired relationship of trust with a consultant. Especially with complex and very long-lasting products is a support and advice hard to replace.

But how now to get the right product? 1.) read that up first to the need for the protection Risks can take if itself there are handicaps that are taken into account? 2.) select a specialized consultant! ask you look for references is the homepage of the adviser what qualifications in his area of expertise the consultants make a specialist? (3) consult with their”consultants are the selection criteria that the product important selection criteria PKV selection criteria to the BU 4) Can make product suggestions and question them. Why just the rates? Why this or that company? Do you understand the criteria that have led to the selection? Only if you feel the one understood, but also try to understand, then it will be a suitable product. Is the consultant on the fly with a product around the corner and there is only this and no other, then question the statements and can be explained precisely what makes the product unique. Also restrictions or exclusions not per se make a product a bad choice. The choice can be quite right, just understand you need it!

Private Health Insurance

The three-year rule and the year working pay limit the year working pay limit is adjusted upward annually and currently stands at 48.600 euro. Since February 2007, no longer the current and expected, but also the retroactive salary for the classification is considered. Thus the possibility of absorption in the PKV arises for employees in employment subject to social insurance contributions only, when they have exceeded the income limit each set constant for three years. Not only the gross wage is taken into account, but also capital-forming payments and special payments, such as Christmas and holiday pay and a 13th and 14th salary. In the gross annual salary supplements for special work (night, Sunday and holiday work) and compensation for travel expenses do not count however. Workers from an overseas assignment with a correspondingly sufficient merit return, they also have the possibility to insure private. You may pay of their trust choose.

Self-employed persons in certain occupational groups facing difficulties with private health insurance. For gardeners, artists, farmers, or journalists, for example, no auto insurance freedom exists, because their wobbly and irregular income offers enough financial security. Go independent or freelancer again in employment relationship subject to social insurance, they also have to spend again three years in the statutory health insurance. Achieves the required income, so good earners can maintain continue their contract with a qualifying insurance policy for this time. Their posts and provisions for pension plans to rest for three years. Then, if the insurance limit is reached, they benefit from the fact that there is no reconsideration of health. The increased age leads to no contribution disadvantages. Periods of unpaid leave, parental leave, as well as receiving sickness or maternity protection money are excluded from the terms of the three-year rule.