Anton Zeiser

It so huge is worth making a risk life insurance risk life insurance comparison – the same applies also to the classical life insurance. Here too, the price differences are enormous even though the services are nearly identical. Over 10,000 euros over the entire period can be saved through the right choice of term life insurance. These high savings can be achieved mainly because a life insurance policy has a huge runtime. See more detailed opinions by reading what David Green offers on the topic.. If the life insurance, for example, over 30 years, then are exactly 360 months in total. If so one euro per month at the post can be saved, then already 360,00 euro savings over the entire term – here the comparison is worth so very. So to back up from your loved ones on a life insurance policy, you should first of all consider whether traditional capital life insurance at all makes sense for you and if not perhaps with the individual combination of one Better take term life insurance and other investment decision.

In the second step, you should very carefully consider offers of the life insurers because they often almost only differ in the level of their contributions. Closer look at possibly the offers of direct insurers. The direct insurers generally have a much more favourable cost structure because they must help finance no field staff. Thus, contributions to risk life insurance for direct insurers are usually much cheaper than at the traditional insurers. As a consumer, you can benefit from the current situation: you can consult an advisor to a classic insurance policy on the subject in detail leave and then afterwards about the Internet choose the lowest fare for a direct insurer. This is although not particularly profitable for the traditional insurers, but big savings gives you as insured and you will still enjoy of a detailed individual and personal advice. Is important in the life insurance however, that compare the quotes. Otherwise you run the risk of paying substantially more for the same performance – and this is not absolutely necessary, because the Internet here able to provide for the necessary transparency.

New Deposit And Term Accounts

New deposit and term accounts of comdirect bank available comdirect Bank with new investment accounts Tagesgeldvergleich.NET informed: since Monday, the 03.02.2009, Quickborn comdirect Bank offers its customers two new investment accounts. A a fixed deposit account with 1, 2 or 3 months and a minimum investment sum of 5,000 euro and a rate of 2.25 per cent per annum during 3 months period, while here in 3 months time from 50,000 minimum investment sum for a higher interest rate is paid by currently 2.40 percent per year. On the other hand, a so-called term account is offered, which allows the investor to decide about which he sets down his money between periods of 6 to 60 months. The interest rates for all maturities offered and investments find interested investors on the following site: comdirect deposit and term account. To be specified on the detail page above and described high security of created money is common both offerings, as well as all other deposits at comdirect.

Through the membership in the insurance fund of the Federal Association of German banks will guarantee for deposits in an amount of up to EUR 189 million per customer. Differently than some other banks money lying on the investment accounts is also subject to automatic renewal. The customer gets paid off there at the end of the agreed term if giving an extension in order not later than three business days before the due date. Alternatively, an automatic reinvestment can be arranged until further notice. Up to 2.40 percent interest per year (fixed) or 2.80 percent interest per year (time account) are the new offerings of the comdirect in the current low interest rate environment not a bad choice to deposit your own money safely and to be able to respond to new and more attractive offerings later in times of rising interest rates. Daniel Franke

State Treasury

Post stability crucial in the selection of the private health insurance private health insurance offers individualized, in many areas more extensive benefits and could be partially priced cheaper than the statutory fund. It sounds very positive, has also several disadvantages. This includes in particular the anxiety of many citizens from excessive increases in premiums in private health insurance in the age. In the statutory health insurance, the price depends on the income. Those who earn little, pay even a minor contribution. You have a high income to pay high contributions to the legal Fund. In addition to the usual contribution increases, cuts the legislature rising spending in the health care system the performance catalog and can thus absorb additional increases.

In the private health insurance contribution depends mainly on the respective insurer, the chosen scope of services, the age and health condition for application. With rising health-care costs can the services but – not as opposed to the State Treasury system – be shortened, but the prices are below legal requirements must be adjusted upward. The change in the private health insurance is always still very attractive – for many groups of people both price and contract in relation to the guaranteed scope of services. But in particular the aspect of the contribution of stability should be considered when deciding for or against an insurer. Independent and competent consultants can provide information just to this topic of the post development and in the decision-making process with a drain.

Regardless of the selected health insurers is likely to increase contributions tend to always: demographic development with a clear increase in life expectancy, the continuous technical progress but also the growing spending on treatments and medicines will lead in the future to further price increases. It concerns the private health insurance as well as the legal Funds. To ensure his health insurance coverage in the age, the completion of a health account is possible.

Fixedterm Deposits

Deposit is very well suited as long-term plant when day money there are currently the weekly changes in interest rates, which always discourage this form of investment of the interest rates. Beginning of 2009 gave banks for overnight interest rates above 4% p.a. and today the best interest rates are 3% p.a.. Who long-term and with a high rate of return would like to invest his money, which should be to look for the deposits of the Festgeldes. This, the investor can determine the runtime itself. The interest also binds to at run time. The longer the money at a bank is created, all the more higher interest rates fall out. Thus, the Citibank at a term of 72 months E.g. currently offers an interest rate of 3.15% p.a.. Find more deals for a Festgeldanlage consumers among 1822 direct with an interest rate of 2.60% p.a. for a term of 60 months. Rather shorter plants offering fixed-term deposits of Mercedes-Benz Bank with an interest rate of 2.00% suitable for p.a. with a contract duration of 12 months. Investors with shorter maturities should remain on the Tagesgeld fall back. Fixed-term deposits worth after about 12 months term. Minimum deposits there are an average of 2,500 euros, a shorter term would be not worthwhile.