Sind Lebensversicherungen zur Altersabsicherung noch modern?

Diskutiere Sind Lebensversicherungen zur Altersabsicherung noch modern? im Lebensversicherung Forum im Bereich Altersvorsorge; ??????????
C

cx 7

Erfahrener Benutzer
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Beiträge
1.315
Ort
Im Süden!
Wenn die versicherte Person Lebensversicherung Unfall ereignete sich, als die Versicherungsprämie durch den Versicherten. Die ursprüngliche Lebensversicherung ist es, die Todesfälle aufgrund von unvorhersehbaren wirtschaftlichen Belastung, die später, die Einführung der Einlagensicherung in den Zutaten, so kann die Versicherung erlischt, wenn die Person noch am Leben zu schützen, wird die Versicherung zahlen die vereinbarte Versicherung Gold
??????????
 
F

Fly1980

Gesperrt
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43
Ort
Hamburg
Falls du damit planst, für das alter vorzusorgen (deswegen wohl auch dieses Forum) würde ich dir Raten mal auf https://www.policendirekt.de/ zu lesen, dort steht folgendes dazu:
Zwar gilt die Lebensversicherung immer noch als Altersvorsorgeprodukt Nummer Eins, dennoch ist gleichzeitig die Stornoquote unverändert hoch, wie der Versicherungsbote berichtet. Allein 2012 wurden Lebensversicherungen im Wert von 14,43 Milliarden Euro storniert. Doch wer eine Immobilie erwirbt, oder für persönliche Ausgaben plötzlich Geld benötigt, sieht sich mitunter gezwungen, seine Lebensversicherung zu kündigen. Doch dabei erlebt so mancher Versicherte eine böse Überraschung: Die ausgezahlten Rückkaufswerte sind oft geringer als die eingezahlten Beiträge und können sogar mitunter gegen Null betragen.
Ist also nicht unbedingt die beste Lösung, falls du eine vorzeitige Stornierung anstreben solltest.:eek:
Ansonsten spricht nichts gegen eine Lebensversicherung.
Grüße
 
C

Candice

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London
Es gab sogar eine neue Gesetzeslage bezüglich Lebens- und Rentenversicherung siehe hier: 2012- Neues Jahr- Neue Gesetzeslage - financial Blog Bei deiner Entscheidung spielen viele Faktoren eine Rolle, daher solltest du dir gut überlegen wie und was.
 
U

Unregistriert

Noch eine späte Antwort, dafür aber eine wichtige.
Ich würde dir empfehlen auf keinen Fall eine Lebensversicherung abzuschließen!

1. Eine Lebensversicherung ist letztendlich ein Kredit bei dem du erst Jahrelang die Raten zahlst und dann das Geld kriegst.

2. Unser Finanzsystem ist auf Crash ausgelegt und es würde mich sehr wundern wenn der Euro noch mehr als 5 Jahre durchhält.
Spätestens dann ist deine Versicherung weg!

3. Wenn du gerade mal mit der Ausbildung anfängst, wirst du in den nächsten Jahren sicherlich noch einige größere Ausgaben haben.
Solltest du dann deine Versicherung kündigen, verlierst du meist einen Großteil des eingezahlten Geldes.


Um dich im Alter abzusichern rate ich dir Edelmetalle zu kaufen (keine Anlagen oder Beteiligungen an Minen, sondern echte Waren die du anfassen kannst).

Noch ein Tipp zu sämtlichen finanziellen Aktionen: Kauf nur das, was du auch verstehst!
 
C

Centorino

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Berlin
Ja,Mach vorab nur mal eine Berufsunfähigkeitsversicherung, die ist wichtig.
 
I

immofan

Lebensversicherung zur Altersabsicherung ist legaler Betrug

April 1983:
Der Verband der Lebensversicherungsunternehmen verklagte den Bund der Versicherten auf Unterlassung der Aussage: „Lebensversicherung zur Altersversorgung ist legaler Betrug.“
Das Landgericht Hamburg wies die Klage als unbegründet ab!!
 
V

Versicherungsopfer

Lebensversicherung zur Altersabsicherung ist legaler Betrug

Vorstehendes ist zwischenzeitlich immer richtiger geworden, da die Verzinsung der in die Lebensversicherung eingezahlten Beträge seit 1983 massiv gesunken ist.
 
R

Ring77

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Nein sind sie nicht. Die Laufzeiten werden immer weiter gesenkt um die Zinsen nicht zahlen zu müssen, welche als Garantiezins festgelegt sind.
 
H

Houger

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Das ist interessant
 
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Martindwege

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Thema:

Sind Lebensversicherungen zur Altersabsicherung noch modern?

Sucheingaben

Garantiezins OR Lebensversicherer OR Lebensversicherung OR Lebensversicherungen OR Überschussbeteiligung OR Japan-Szenario

,

lebensversicherung nicht mehr modern

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