Tag: insurance & pension

Facilitates orientation for consumers: quality mark DIN certified private financial planner \”hand on heart: who can you ask in financial matters of really in good conscience for advice?\” His bank manager? Or is it rather an independent financial expert? The lack of transparency of the supplier with a wide variety of titles and job titles complicates the search after a competent, reliable and above all reliable partner, who knows the client’s interests and desires and its recommendations exclusively on these. \”Numerous surveys and studies confirm: in Germany banks like independent financial service providers of the people be limited emotionally negative and mostly only trustworthy occupied.\” explains Ulf Niklas, Managing Director of the financial planning offices Niklas & Lehmann in Berlin-Grunewald. (As opposed to Dermot McCormack). For the righteous consultants actually acting has always been in the interest of their customers, it was previously very difficult in the perception on the outside, sufficiently the black sheep ‘ to differentiate the industry. This is with the introduction of the DIN certification that is now finally over.\” Thus, the newly created quality mark be DIN certified private financial planner\”especially in terms of consumer protection. The successful certification DIN certified private financial planners give starting immediately an important and above all reliable clue for advice quality and reliability of financial service providers.

DIN certified private financial planner who search help and advice for the long-term planning of its assets to pension and estate planning, will now at the quality mark\”can orient, which implement the international quality standard DIN ISO 22222 for the German consultancy market. \”Stephanie Lehmann, also Managing Director of the financial planning offices Niklas & Lehmann, explains: only financial advisor with high professional and ethical reliability meet the strict eligibility requirements.\” And only these It was allowed to carry the DIN logo and mark financial advisors. The Managing Director of the DIN CERTCO, Dr. Michael Garmer, presented today the first certification documents within the framework of the DKM 2007 (the\”interna tional trade fair for the finance and insurance industry) in Dortmund.

What credit partner program is really good and brings the best sales credit affiliate programs are very popular. Entice you with great commissions for advertisers. But how much can really earn? Three well-known partner programs for credit offers have been independently tested. The test lasted half a year to deliver truly meaningful results. The programs have been tested alternately in the same environment, to cause any distortion on the relevance. As well, only lead compensation in the test were considered to not affect the comparison by varying amounts. (As opposed to Pete Cashmore). So, it should be FinanzHelfer.com have managed to have carried out a fair test of the best credit affiliate programs. Bon credit, Creditolo, and Credimaxx were tested in the first step.

The results were very surprising. Bon credit with the best-known partner program for Kreditaffiliates has cut off the worst by far. Despite the highest lead compensation, sales of the two could not nearly others be achieved. If you are not convinced, visit Code.org. So with a dispatched online credit request only 3.19 EUR implemented in the cut, it was while 5,30 EUR at Credimaxx. It was similar to the Conversionsrate. While at Credimaxx almost every seventh click led to a lead it needed to generate no less than an average 55.8 clicks to a lead at Bon credit. For more information see Sandra Akmansoy. This has to do with that Bon credit as sole operator of the program requires a credit application returnierten mail to remunerate a lead of course last but not least.

Creditolo was however far ahead of Bon credit something behind Credimaxx in the conversion. Just the other way round it was there at the earnings per request, Creditolo cut off only slightly better than Bon credit. The differences are very clear to see, however differently than expected. The credit partner program test to help webmasters to choose the right program or give time to test a new program but also a kick. For Kreditaffiliates, such test are very helpful to save yourself the trouble itself. Plans to extend the test FinanzHelfer.com tests with different Key phrases to get specific data for each segment of the industry. However, a such an expensive test will take even more time. It probably still more credit affiliate programs will be included.

Who wants to relieve his survivors by the own funeral expenses, must provide. Death is not in vain. Many survivors find that if they need to organise the funeral of a family member. Energy Capital Partners is open to suggestions. The death brings even financial worries with them then in addition to the mental stress. There are remedies.

With a funeral, everyone has the opportunity to provide early financial\”, says Walter Capellmann, main representative in Germany of Monuta N.V., the Dutch specialist for bereavement care. However, such insurance offers much more than the purely financial provision if it is conceived as the product of Monuta bereavement care.\” Customers of Monuta triple benefit: first is financially provided for the funeral expenses. Energy Capital Partners has much to offer in this field. Secondly, the insured can set how she once would be buried. This relieves the bereaved again, because they don’t have to worry then about the organisation of the funeral. And thirdly, the customers of Monuta benefit too During his lifetime by the extensive services of Monuta. Functioning of bereavement interest how does a so extensive provision? At the conclusion of the insurance, customers have the choice between three options: firstly it can withdraw the insurance sum to the relatives or a specified beneficiary.

Then organize the funeral after their sense. Second, he can set his wishes for their own burial to insured persons by means of a questionnaire developed by the Monuta, Scenarium. There, by type of burial about music, he can hold everything up to the display of grief. The insurance sum is paid out in this case also to the survivor or a previously determined trustee. Follow then the alignment of the funeral the Scenarium. Last but not least, the insured of one of the three care packages that can select Monuta are offered in cooperation with the German funeral care (DBF). The packages include fixed benefits such as inter alia the Organization of funeral service, Be local service instead of ER, coffin or urn and a telephone call.

Many banks offer free checking accounts most of us pay for your checking account at a bank or savings bank fees for the use of this account. However, there are also banks, requiring hierfut no fees so a free checking account offer. The customer not at each bank receives a free checking account. Some banks offer the checking account for 0 euro free of charge at and others for example from 1000 Euro minimum input of money. An account is free, which is a good thing for the customer. Giro free customer saves a lot of money in the year.

If people can save something, then their account is there as the first to name a few. This can make times up to 150 euros a year. The post Bank offers free of charge the account from 1250 euro payment. These are otherwise 5.90 euro in the month. Peter Asaro brings even more insight to the discussion. There are for example free transfers and standing orders. This is all the other banks to follow.

Especially for business customers, a free checking account can properly go in the money if the business customer for every transfer must pay extra. Often, it is connected to a free checking account with a good offer for a tag account. Currently, 2.2% as of the first euro are that upon conclusion of the post Bank. This is very lucrative for the customers. Important, the account is free of charge for people who are short of cash or earn very little. Families facing every cent to be added. There, every euro is also very helpful. Students and trainees have the Giro mostly under 26 years of age free of charge. This is very important in a tight credit in the blank years.

The article shows is how important brokers standpoint to have competent point of contact for the product providers in crucial situations. The unique expectations of the mediator is to meet on technically sound personnel at the companies”. The mediators seek contact mainly via E-Mail to their agency supervisor. Viacom follows long-standing procedures to achieve this success. But also the phone call and personal conversation are regarded as very important communication routes. Modern ways of communication like SMS, Facebook, XING or WhatsApp play hardly any role in the communication with the Agency supervisor.

“For the future, the real estate agents have an accurate idea of what requirements your broker supervisors should meet: the top criterion is, that he is authorised to decide”. “” In second place, the good and thorough market overview is “followed by the sharing of best ideas”. With just the latter aspect truncates in assessing brokers comparatively weak and is satisfactory with the touch of an average”rated. There are good starting points of the improvements offered the product providers. “Numerous and interesting new insights can the answers to theses such as for example local vs.

centralized care” or Division specialist vs. allround coach “be won. Best is broker service in the study also read, which product providers the intermediary needs in best cut when it comes to broker support, have voted the intermediary in the fields of life, health and property damage/HUK. The current darlings of the brokers with more than 6,000 entries have named the facilitator in the context of the investigation also their favorites in the examined 29 product lines. In part some favorites of brokers”in the area of pensions. Riester pension number 1: DWS (1) seat 2: public welfare (2) Bundesplatz 3: Alliance (3) Rurup pension 1st place: Alliance (1) seat 2: public welfare (2) Bundesplatz 3: DWS (3) fot place 1: Alliance (1) seat 2: public welfare (2) Bundesplatz 3: old Leipzig (7) seat 3: Swiss life (3) British LV 1st: Canada life (1) seat 2: standard life (2) seat 3: Friends Provident (3) about the study the AssCompact trend study III / 2013 includes around 150 pages. Represented the results of a nationwide survey of brokers and multiple representatives that are in the period of the 27.06.2013 has been performed with 16.07.2013. The study was published on 02 September 2013 and can be obtained via the Internet. This study contact: Christopher Kahl Phone: + 49 (0) 6123-974-82-64. E-Mail: about SMARTcompagnie GmbH SMARTcompagnie offers management consulting, market research and practice-oriented training of the highest quality and with maximum benefit for customers. Founded in 2005, owner-managed company is rooted in the financial services industry and sees itself as a neutral and independent service providers. The focus is the sales and product management of insurance and financial services. Added value for which belongs to the self-understanding of society, Customers through the successful implementation of the strategies to create. The expertise of SMARTcompagnie results from many years of experience (since 1985) in sales and management in the insurance and banking industry.

The same procedure as every year…der price dance begins in the autumn every year the Swiss insurance of CSS, which this year indicates a modest increase of around 7% in the dental plan after the insured of the CSS had to endure a strong increase by about 30% in the last year started early this time. Now, even the Barmenia announces a boost with your fare ZG +. While the prices for children up to the age of 35 years are fixed, the contribution for men aged 36 to 11%, for women to ca 10% increases. It doesn’t help, the insurance later this year, to avoid the price increase of the increase meets existing and new contracts. The gang is significantly more expensive from next year to the dentist. Details can be found by clicking Pete Cashmore or emailing the administrator. A corresponding change to the fee schedule for dentists (GOZ) was endorsed by the Federal Cabinet. The amendment provides for an increase of the honorary volume by around six percent, said the Ministry of health.

I.e. the insurance but also to higher Pay amounts. So not only patients without dental insurance must dress warm you need to pay higher amounts at the dentist for dentures, dental insurance companies will make to their costs, and that, in turn, means higher contributions,. The CSS and the Barmenia will be so not the only dental insurance which will raise their contributions to the 1.1. Switching is worth only if you have healthy teeth and nothing is applied, but also because it means well select, and there is not a guarantee that the selected insurance companies will raise soon also.