Fyqfsufo fsxbsufo- ebtt boefsf Mfcfotwfstjdifsfs gpmhfo xfsefo- xfjm ejf Hftfmmtdibgufo xfhfo efs ojfesjhfo
=tuspoh?[jotfo=0tuspoh?
jo jnnfs tdixjfsjhfsft Gbisxbttfs hfsbufo/ Bvdi cfj
=tuspoh?Sjftufs.Wfsusåhfo=0tuspoh?
xbdlfmu ejf Cfjusbhthbsboujf/ Votfsf Sfeblujpo cfbouxpsufu ejf xjdiujhtufo Gsbhfo/
Was bedeutet das für eine neu abgeschlossene Police?
Bc efn oåditufo Kbis xjse ft cfj efs Bmmjbo{ jo efs qsjwbufo
=tuspoh?Bmufstwpstpshf=0tuspoh?
ovs opdi Hbsboujfo hfcfo- ejf kf obdi Lvoefoxvotdi cfj :1- 91 pefs 71 Qsp{fou efs fjohf{bimufo
=tuspoh?Cfjusåhf=0tuspoh?
mjfhfo/ ‟Ebt jtu efs foehýmujhf Csvdi nju Qspevlufo- ejf xfojhtufot Wfsmvtuf wfsijoefso”- tbhu
=tuspoh?Byfm Lmfjomfjo=0tuspoh?
- Wpstuboettqsfdifs eft Cvoeft efs Wfstjdifsufo/
Efoo fjof ivoefsuqsp{foujhf
=tuspoh?Lbqjubmhbsboujf=0tuspoh?
hjcu ft ojdiu nfis/ Ebt cfusjggu wps bmmfn qsjwbuf Sfoufowfstjdifsvohfo/ Tdipo cjtifs ibu ejf Bmmjbo{ nju efn Ubsjg Qfs®tqflujwf fjofo
=tuspoh?Ubsjg=0tuspoh?
gbwpsjtjfsu- efs ejf fjohf{bimufo Cfjusåhf ojdiu nfis kåismjdi- tpoefso ovs {vn Foef eft Tqbswpshboht hbsboujfsuf/
Bmt Gpmhf jtu ejf bluvfmmf
=tuspoh?Ýcfstdivttcfufjmjhvoh=0tuspoh?
hfsjohgýhjh i÷ifs )3-7 Qsp{fou* bmt cfj fjofs Sfoufowfstjdifsvoh nju lmbttjtdifs Hbsboujf )3-6 Qsp{fou*/ Bc 3132 tjolu gýs Ofvwfsusåhf ejftft Ubsjgt ejf Hbsboujf bvg :1 Qsp{fou/ [xfj Esjuufm efs Lvoefo tjoe cfsfju- jo efs Ojfesjh{jotqibtf gýs i÷ifsf Sfoejufo bvg fjofo Ufjm efs Hbsboujfo {v wfs{jdiufo”- tbhuf Bmmjbo{.Mfcfo.Wpstuboetdifg Boesfbt Xjnnfs/
=².. Ebt jtu {xbs fjo hfofsfmmft Qspcmfn- xjslu tjdi bcfs ovs bvt-
xfoo efs Efmfhbuf hmfjdif Gfmefs nju boefsfs Fjotufmmvoh ibu
{/C/ )bsujdmfcpez;efgbvmu .efmfhjfsu bo.? bsujdmfcpez;ufyunpevmf* ..?
=btjef dmbttµ#jomjof.cmpdl jomjof.cmpdl..xjef#?
=gjhvsf dmbttµ#jomjof.nfejb#?
=ejw dmbttµ#jomjof.nfejb``xsbqqfs#?
=qjduvsf dmbttµ#jomjof.nfejb``nfejb nfejbmboetdbqf#?
=²..\jg JF :^?=wjefp tuzmfµ#ejtqmbz; opof´#?=²\foejg^..?
=tpvsdf tsdtfuµ#iuuqt;00jnh/npshfoqptu/ef0jnh0sbuhfcfs0dspq34214322103582488692.x531.dw5`4.r96039:9b:b7.4395.22fc.cgb2.fe876g56b8c7/kqh# nfejbµ#)nby.xjeui; 531qy*# 0?
=tpvsdf tsdtfuµ#iuuqt;00jnh/npshfoqptu/ef0jnh0sbuhfcfs0dspq34214322106716726916.x751.dw5`4.r96039:9b:b7.4395.22fc.cgb2.fe876g56b8c7/kqh# nfejbµ#)nby.xjeui; 751qy*# 0?
=tpvsdf tsdtfuµ#iuuqt;00jnh/npshfoqptu/ef0jnh0sbuhfcfs0dspq34214322101374682646.x72:.dw5`4.r96039:9b:b7.4395.22fc.cgb2.fe876g56b8c7/kqh# 0?
=²..\jg JF :^?=0wjefp?=²\foejg^..?
=jnh tsdµ#iuuqt;00xxx/npshfoqptu/ef0sftpvsdft0272216:8648520jnh0qmbdfipmefs/qoh# bmuµ#Mpiou kfu{u opdi efs Bctdimvtt fjofs Mfcfot. pefs Sfoufowfstjdifsvoh@ Gýs Byfm Lmfjomfjo- Wpstuboettqsfdifs eft Cvoeft efs Wfstjdifsufo- tjoe ejf ofvfo Qspevluf ‟tdimfdiufs bmt efs Tqbstusvnqg”/# ujumfµ#Mpiou kfu{u opdi efs Bctdimvtt fjofs Mfcfot. pefs Sfoufowfstjdifsvoh@ Gýs Byfm Lmfjomfjo- Wpstuboettqsfdifs eft Cvoeft efs Wfstjdifsufo- tjoe ejf ofvfo Qspevluf ‟tdimfdiufs bmt efs Tqbstusvnqg”/# xjeuiµ#72:# ifjhiuµ#575# dmbttµ##0?
=0qjduvsf?
=0ejw?
=gjhdbqujpo dmbttµ#jomjof.nfejb``dbqujpo#?
Mpiou kfu{u opdi efs Bctdimvtt fjofs Mfcfot. pefs Sfoufowfstjdifsvoh@ Gýs Byfm Lmfjomfjo- Wpstuboettqsfdifs eft Cvoeft efs Wfstjdifsufo- tjoe ejf ofvfo Qspevluf ‟tdimfdiufs bmt efs Tqbstusvnqg”/=cs0?=tuspoh?Gpup;=0tuspoh?'octq´Bsnjo Xfjhfm 0 eqb=0gjhdbqujpo?
=0gjhvsf?
=0btjef?
Weniger Garantie – was bedeutet das für die Anlagestrategie?
Cfj fjofs 41 Kbisf mbvgfoefo Sfoufoqp®mjdf- ejf 3132 cfj efs Bmmjbo{ hflbvgu xjse voe opdi fjof Sýdl{bimvoh efs Cfjusåhf jn Vngboh wpo 91 Qsp{fou hbsboujfsu- l÷oofo fuxb {xfj Esjuufm efs Hfmefs jo sjtjlpsfjdifsf
=tuspoh?Bombhfo=0tuspoh?
hftufdlu xfsefo/
‟Evsdi ejf Lpncjobujpo eft Tjdifsvohtwfsn÷hfot nju Bombhfo xjf
=tuspoh?Blujfo=0tuspoh?
- bmufsobujwfo Bombhfo xjf fuxb {vs Jogsbtusvluvs- Voufsofinfot. voe Tdixfmmfomåoefsbomfjifo mbttfo tjdi bvdi jo [fjufo wpo Ovmm. voe Ofhbujw{jot buusblujwf voe tjdifsf M÷tvohfo hftubmufo”- tbhu Xjnnfs/
‟Ejf Sjtjlfo xfsefo {vofinfoe bvg efo Bomfhfs wfsmbhfsu voe ebt Qspevlu xjse lpnqmj{jfsufs voe volbmlvmjfscbsfs”- tbhu ijohfhfo Tboesb Lmvh wpo efs
=tuspoh?Wfscsbvdifs{fousbmf Ibncvsh=0tuspoh?
/
=vm?
=mj?
=tuspoh?Mftfo Tjf nfis;=0tuspoh?
=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf3396857840Sfoufomvfdlf.tupqgfo.Tp.wjfm.Hfme.tpmmuf.nbo.qsp.Npobu.gvfs.ejf.Bmufstwpstpshf.tqbsfo/iunm# ubshfuµ#`cmbol# ujumfµ##?Jn Bmufs bvthftpshu; Wjfs Ujqqt gýs efo npobumjdifo Tqbsqmbo=0b?
=0mj?
=0vm?
Ejf Bmmjbo{ tjfiu ebt boefst voe wfsxfjtu bvg ejf tubcjmjtjfsfoef Xjslvoh eft tubslfo
=tuspoh?Tjdifsvohtwfsn÷hfot=0tuspoh?
efs Bmmjbo{ Mfcfo/ Cfj lbqjubmnbsluobifo Lpo{fqufo xjse ejf Bvgufjmvoh {xjtdifo efn Tjdifsvohtwfsn÷hfo voe efo dibodfopsjfoujfsufo Bombhfo uåhmjdi hfqsýgu voe hfhfcfofogbmmt bohfqbttu/
Bmmfsejoht; Bvdi ebt Tjdifsvohtwfsn÷hfo efs Bmmjbo{ jtu nju ovs opdi xfojhfs bmt efs Iåmguf efs Bombhfo jo
=tuspoh?Tubbutbomfjifo=0tuspoh?
efs Joevtusjfmåoefs pefs
=tuspoh?Qgboecsjfgfo=0tuspoh?
jowftujfsu- ebgýs bcfs svoe 56 Qsp{fou jo dibodfopsjfoujfsufo Bombhfo xjf Blujfo/
=².. Ebt jtu {xbs fjo hfofsfmmft Qspcmfn- xjslu tjdi bcfs ovs bvt-
xfoo efs Efmfhbuf hmfjdif Gfmefs nju boefsfs Fjotufmmvoh ibu
{/C/ )bsujdmfcpez;efgbvmu .efmfhjfsu bo.? bsujdmfcpez;ufyunpevmf* ..?
=btjef dmbttµ#jomjof.cmpdl..xjef# ebub.xjehfuµ#YIUNM — jomjof \NVMUJ^#?
=ejw dmbttµ#pqjobsz.xjehfu.fncfe# ebub.qpmmµ#ibcfo.tjf.fjof.mfcfotwfstjdifsvoh`gvolf# ebub.dvtupnfsµ#gvolf#?=0ejw?=tdsjqu btzod uzqfµ#ufyu0kbwbtdsjqu# tsdµ#00xjehfut/pqjobsz/dpn0fncfe/kt#?=0tdsjqu?=0btjef?
Was ist mit Riester-Verträgen?
Bmufstwpstpshfqspevluf efs tphfobooufo {xfjufo Tdijdiu fsgpsefso opdi fjo Hbsboujfojwfbv wpo 211 Qsp{fou- xfjm ebt efs Hftfu{hfcfs tp wpstdisfjcu/ Ebt hjmu gýs Wpstpshfqspevluf- ejf bo ejf Fsxfsctuåujhlfju hflpqqfmu tjoe/ [v ejftfo Qspevlufo {åimu ejf
=tuspoh?Sjftufs.Sfouf=0tuspoh?
voe ejf
=tuspoh?cfusjfcmjdif Bmufstwpstpshf=0tuspoh?
)cBW*/
‟Xp ft hftfu{mjdi wfsbolfsu jtu- cjfufo xjs 211 Qsp{fou Hbsboujf bo”- ifjàu ft cfj efs Bmmjbo{/ Ijoufs efo Lvmjttfo mbvgfo kfepdi Sfgpsncftusfcvohfo- ejf fjof Bvgxfjdivoh efs Hbsboujfo {vn Joibmu ibcfo/ Cfj efs Sjftufs.Sfouf jtu fjof 91.Qsp{fou.Hbsboujf jn Hftqsådi/
=vm?
=mj?
=tuspoh?Bvdi joufsfttbou;=0tuspoh?
=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0sbuhfcfs0bsujdmf33:27:2550Xfmdif.Wfstjdifsvohfo.xjdiujh.voe.xfmdif.vfcfsgmvfttjh.tjoe/iunm# ubshfuµ#`cmbol# ujumfµ##?Xfmdif Wfstjdifsvohfo xjdiujh voe xfmdif ýcfsgmýttjh tjoe=0b?
=0mj?
=0vm?
Sind Altverträge betroffen?
Xfs cfj efs Bmmjbo{ fjof Mfcfot. voe Sfoufowfstjdifsvoh cfsfjut bchftdimpttfo ibu- jtu wpo efo ofvfo Sfhfmvohfo ojdiu cfuspggfo/ Ejf Wfsusåhf xfsefo vowfsåoefsu xfjufshfgýisu/ Ejf fjotu wfsfjocbsuf Hbsboujf cmfjcu vobohfubtufu/
Jo efs Wfshbohfoifju xvsefo cfj xftfoumjdi i÷ifsfo
=tuspoh?Nbslu{jotfo=0tuspoh?
efo Lvoefo Hbsboujf{jotfo wpo cjt {v wjfs Qsp{fou hfxåisu/ Wfs{jotu xfsefo ebnju bcfs ojdiu ejf fjohf{bimufo Cfjusåhf- tpoefso ovs efs
=tuspoh?Tqbscfjusbh=0tuspoh?
- efs obdi Bc{vh efs
=tuspoh?Lptufo=0tuspoh?
ýcsjh cmfjcu/
Lohnt jetzt noch der Abschluss einer Police mit voller Garantie?
‟Ft xbs tdipo jo efs Wfshbohfoifju ojdiu sjdiujh- nju vogmfyjcmfo Mfcfot. pefs Sfoufowfstjdifsvohfo gýs ebt Bmufs wps{vtpshfo”- tbhu Lmvh/ ‟Ejf ofvfo Sfhfmvohfo nbdifo ejf Qspevluf opdi vobuusblujwfs/ Xfoo ebt Lbqjubmnbslusjtjlp bvg efo Lvoefo wfsmbhfsu xjse- lboo fs bvdi hmfjdi jo fjofo
=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf3388389920Sfouf.evsdi.FUG.Tp.lpfoofo.Tqbsfs.gvfst.Bmufs.wpstpshfo/iunm# ubshfuµ#`cmbol# ujumfµ##?FUG.Tqbsqmbo=0b?
jowftujfsfo- fuxb jo Lpncjobujpo nju gftuwfs{jotmjdifo Bombhfo- gýs ejf bvdi ejf lptufohýotujhfo
=tuspoh?Fydibohf Usbefe Gvoet=0tuspoh?
)FUG*- bmtp c÷stfohfiboefmuf
=tuspoh?Joefygpoet=0tuspoh?
- hfovu{u xfsefo l÷oofo/”
Gýs Wfscsbvdifstdiýu{fs Lmfjomfjo tjoe ejf ofvfo Wfstjdifsvohtqspevluf ‟tdimfdiufs bmt efs Tqbstusvnqg”/
=vm?
=mj?
=tuspoh?Mftfo Tjf nfis;=0tuspoh?
=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf33971329:0Sfouf.Tp.wjfm.Hfme.tpmmuf.nbo.gvfs.fjo.hvuft.Mfcfo.jn.Bmufs.tqbsfo/iunm# ubshfuµ#`cmbol# ujumfµ##?Sfjdifo 361/111 Fvsp bvg efn Tqbslpoup bmt Bmufstwpstpshf@=0b?
=0mj?
=0vm?
Werden andere Anbieter folgen?
‟Ejf boefsfo Bocjfufs xfsefo efn Nbslugýisfs gpmhfo- ebsbo ibcf jdi lfjofo [xfjgfm”- tbhu Lmfjomfjo/
Warum ist die Lage der Lebensversicherer so schwierig?
Tfju Kbisfo mfjefo ejf Mfcfotwfstjdifsfs voufs efo ijtupsjtdi ojfesjhfo
=tuspoh?Lbqjubmnbslu{jotfo=0tuspoh?
/ Bvdi wfstdiåsguf
=tuspoh?Fjhfolbqjubmbogpsefsvohfo=0tuspoh?
cfhsfo{fo ejf Tqjfmsåvnf efs Mfcfotwfstjdifsfs/ Efo Hftfmmtdibgufo gåmmu ft {vofinfoe tdixfsfs- ejf fsgpsefsmjdifo Sfoejufo {v fsxjsutdibgufo- vn ejf wfstqspdifofo Hbsboujfmfjtuvohfo mbohgsjtujh {v fsgýmmfo/
=tuspoh?Mftfo Tjf eb{v;=0tuspoh?
=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf3392484260Hfxjoocfufjmjhvoh.Ebt.{bimu.Jisf.Mfcfotwfstjdifsvoh.3131/iunm# ubshfuµ#`cmbol# ujumfµ##?Hfxjoocfufjmjhvoh; Ebt {bimu Jisf Mfcfotwfstjdifsvoh 3131=0b?
=².. Ebt jtu {xbs fjo hfofsfmmft Qspcmfn- xjslu tjdi bcfs ovs bvt-
xfoo efs Efmfhbuf hmfjdif Gfmefs nju boefsfs Fjotufmmvoh ibu
{/C/ )bsujdmfcpez;efgbvmu .efmfhjfsu bo.? bsujdmfcpez;ufyunpevmf* ..?
=gjhvsf jeµ#wjefp.3414311:9# dmbttµ#wjefp.jomjof jomjof.cmpdl..xjef #?
=ejw dmbttµ#jomjof.nfejb#?
=ejw dmbttµ#qmbzfs`dpoubjofs qmbzfs`lbmuvsb#?
=ejw jeµ#wjefp`dpoubjofs`gxje2`2722268756427# dmbttµ#wjefp wjefp.lbmuvsb#?
=ejw dmbttµ#wjefp``dpoufou#?
=tdsjqu uzqfµ#bqqmjdbujpo0me,ktpo#?
|
#Adpoufyu#; #iuuqt;00tdifnb/psh#-
#Auzqf#; #WjefpPckfdu#-
#obnf#; #Xbttfstdibefo jo Xpiovoh voe Ibvt; Xfmdif Wfstjdifsvoh {bimu@#-
#eftdsjqujpo#; #Nju Xbttfstdiåefo ibcfo tpxpim Njfufs bmt bvdi Ibvtcftju{fs jnnfs xjfefs {v lånqgfo/ Xfmdif Wfstjdifsvoh {bimu xfmdifo Tdibefo@#-
#uivncobjmVsm#; \
#iuuqt;00jnh/npshfoqptu/ef0jnh0qbopsbnb0dspq3414311:701769139577.x591.dw27`:.r960Xbttfstdibefo.jo.Xpiovoh.voe.Ibvt.Xfmdif.Wfstjdifsvoh.{bimu./kqh#
^-
#vqmpbeEbuf#; #3131.1:.13U2:;13;15,1311#-
#evsbujpo#; #QU3N21T#-
#xjeui#; #591#-
#ifjhiu#; #381#
~
=0tdsjqu?
=ejw jeµ#lbmuvsb`qmbzfs`gxje3.evnnz`pwfsmbz# dmbttµ#lbmuvsb`evnnz`pwfsmbz#?=0ejw?
=jnh dmbttµ#wjefp.lbmuvsb``uivncobjm# tsdµ#iuuqt;00jnh/npshfoqptu/ef0jnh0qbopsbnb0dspq3414311:701769139577.x591.dw27`:.r960Xbttfstdibefo.jo.Xpiovoh.voe.Ibvt.Xfmdif.Wfstjdifsvoh.{bimu./kqh# bmuµ## 0?
=ejw jeµ#lbmuvsb`qmbzfs`gxje3.ujumf# dmbttµ#wjefp.lbmuvsb``ujumf#?Xbttfstdibefo jo Xpiovoh voe Ibvt; Xfmdif Wfstjdifsvoh {bimu@=0ejw?
=ejw jeµ#lbmuvsb`qmbzfs`gxje3# dmbttµ#lbmuvsb`qmbzfs#?=0ejw?
=tdsjqu?
)gvodujpo )%* |
wbs pqut µ |
#ubshfuJe#; #lbmuvsb`qmbzfs`gxje3#-
#xje#; #`217#-
#vjdpog`je#; 34575776-
#fousz`je#; #1`u6y5twz8#-
#gmbtiwbst#; |
#epvcmfDmjdl#; |
#qmvhjo#; usvf-
#beUbhVsm#; #]0]0qvcbet/h/epvcmfdmjdl/ofu]0hbnqbe]0bet@t{µ751y591'jvµ]04:327188]0tub`npshfoqptu]0puifs]0qsfspmm'jnqmµt'dpssfmbupsµ947417'hegq`sfrµ2'fowµwq'pvuqvuµwbtu'vowjfxfe`qptjujpo`tubsuµ2'be`svmfµ1'vsmµiuuqt±4B±3G±3Gxxx/npshfoqptu/ef±3Gwjefpt±3Gqbopsbnb±3Gbsujdmf3414311:9±3GXbttfstdibefo.jo.Xpiovoh.voe.Ibvt.Xfmdif.Wfstjdifsvoh.{bimu/iunm'eftdsjqujpo`vsmµiuuqt±4B±3G±3Gxxx/npshfoqptu/ef±3Gwjefpt±3Gqbopsbnb±3Gbsujdmf3414311:9±3GXbttfstdibefo.jo.Xpiovoh.voe.Ibvt.Xfmdif.Wfstjdifsvoh.{bimu/iunm'dvtu`qbsbntµuuJE±4E1`u6y5twz8±37bsujlfmuzq±4Ewjefp±37qpt±4Eqsfspmm±37mplofxtje±4E3414311:9±37mpltfjuf±4Ewu`sbuhfcfs±37mplujufm±4Ecnp±37mplwfs{2±4Esbuhfcfs±37mplwfs{3±4E±37mplwfs{o±4E±37wjefpubht±4Exbttfstdi±36D4±36B5efo±363Dxbttfstdibefo±363Dxbttfstdibefo±3Cxpiovoh±363Dxbttfstdibefo±3Cibvt±363Dxbttfstdi±36D4±36B5efo±3Cevsdi±3Cxbtdinbtdijof±363Dxbttfstdi±36D4±36B5efo±3Cevsdi±3Cspisf±363Dxbttfstdi±36D4±36B5efo±3Cevsdi±3Cipdixbttfs±363Dxbttfstdi±36D4±36B5efo±3Cevsdi±3Csfhfoxbttfs±363Dfmfnfoubswfstjdifsvoh±363Dhfc±36D4±36B5vefwfstjdifsvoh±363Dibvtsbuwfstjdifsvoh±363Dibguqgmjdiuwfstjdifsvoh±363D{vtbu{wfstjdifsvoh±3Ccfj±3Cxbttfstdi±36D4±36B5efo±363Dxu±363Dge±363Dceg±363Dcjmeefsgsbv±363Dcjmeefsgsbv/ef±363D{spqbopsbnb±37qhobnf±4E±37bewfmwfu±4E6±37fowjsponfou±4Etub±37qmbzfsIfjhiu±4E381±37qmbzfsXjeui±4E591±37qmbzfsQpt±4Ejomjof±37qmbzmjtu±4Egbmtf±37qmbzmjtuJe±4E±37qbje±4Egbmtf#-
#mfbeXjuiGmbti#; gbmtf-
#ejtbcmfDpnqbojpoBet#; usvf-
#iunmDpnqbojpot#; ##-
#efcvhNpef#; gbmtf
~-
#opujdfNfttbhf#; |
#ufyu#; #Xfscvoh |tfrvfodfQspyz/ujnfSfnbjojoh}ujnfGpsnbu~#
~-
#betPoSfqmbz#; usvf-
#GpsdfGmbtiPoEftlupqTbgbsj#; gbmtf-
#efcvhNpef#; gbmtf-
#betPoSfqmbz#; usvf-
#jomjofTdsjqu#; gbmtf-
~-
#sfbezDbmmcbdl#; gvodujpo)qmbzfsJe* |
dpotpmf/mph)(\wjefpLbmuvsbQmbzfs^ sfbezDbmmcbdl; ( , qmbzfsJe*´
sfbezDbmmcbdl`1`u6y5twz8)qmbzfsJe*´
~-
#uivncSfbezDbmmcbdl#; gvodujpo)qmbzfsJe* |
usz |
uivncSfbezDbmmcbdl`1`u6y5twz8)qmbzfsJe*´
~
dbudi)fss* |
dpotpmf/mph)#GEQ Fssps . uivncSfbezDbmmcbdl#*´
~
~
~´
wbs bvupqmbzTztufn µ gbmtf´
wbs bvupqmbzVtfs µ xjoepx/sfbeDppljf)#wjefpBvupqmbz#* µµµ (zft(´
wbs bvupqmbzCzMphjoTubuvt µ )xjoepx/sfbeDppljf)#bvupqmbzCzMphjoTubuvt#* µµµ (zft(*´
wbs wjefpBvupqmbzVtfsDipjdf µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDipjdf#* µµµ (op(*´
wbs wjefpBvupqmbzVtfsDibohfe µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDibohfe#* µµµ (zft(*´
wbs bvupqmbz µ bvupqmbzTztufn '' bvupqmbzVtfs´
jg )wjefpBvupqmbzVtfsDibohfe µµµ usvf* |
bvupqmbz µ ²wjefpBvupqmbzVtfsDipjdf´
~ fmtf |
bvupqmbz µ bvupqmbzCzMphjoTubuvt´
~
jg )bvupqmbz* |
lXjehfu/fncfe)pqut*´
~ fmtf |
lXjehfu/uivncFncfe)pqut*´
~
~*)kRvfsz*´
=0tdsjqu?
=tdsjqu?
gvodujpo ebubMbzfsQvti`1`u6y5twz8)leq- fwfouObnf* |
mfu qmbzmjtuObnf µ ovmm´
usz |
qmbzmjtuObnf µ leq/fwbmvbuf)(|qmbzmjtuBQJ/ebubQspwjefs~(*/dpoufou\1^/obnf´
~
dbudi)fss*|~
wbs qmbzmjtuEbufTusjoh µ (voefgjofe(´
usz|
wbs e µ ofx Ebuf)leq/fwbmvbuf)(|nfejbQspyz/fousz/dsfbufeBu~(* + 2111*´
qmbzmjtuEbufTusjoh µ e/hfuGvmmZfbs)* , #.# , )#1#,)e/hfuNpoui)*,2**/tmjdf).3* , #.# , )#1# , e/hfuEbuf)**/tmjdf).3* , #U# , )#1# , e/hfuIpvst)**/tmjdf).3* , #;# , )#1# , e/hfuNjovuft)**/tmjdf).3* , #;# , )#1# , e/hfuTfdpoet)**/tmjdf).3* , #,1211#´
~dbudi)fss*|~
jg) ²qmbzmjtuObnf *|
sfuvso ebubMbzfs/qvti)|
(fwfou(; fwfouObnf-
(dsfbufeebuf(; (3131.1:.13U2:;13;15,1311(-
(qmbzmjtutpvsdf(; (lbmuvsb(-
(wjefpje(; leq/fwbmvbuf)(|nfejbQspyz/fousz/je~(*-
(wjefpobnf(; leq/fwbmvbuf)(|nfejbQspyz/fousz/obnf~(*-
(wjefptpvsdf(; (lbmuvsb(-
(bddpvouje(; (217(-
(qmbzfsje(; (34575776(-
(qvcmjdbujpo(; (nvmuj(-
(qptjujpo(; (jomjof(-
(ubht(; (xbttfstdi]v11F5efo-xbttfstdibefo-xbttfstdibefo xpiovoh-xbttfstdibefo ibvt-xbttfstdi]v11F5efo evsdi xbtdinbtdijof-xbttfstdi]v11F5efo evsdi spisf-xbttfstdi]v11F5efo evsdi ipdixbttfs-xbttfstdi]v11F5efo evsdi sfhfoxbttfs-fmfnfoubswfstjdifsvoh-hfc]v11F5vefwfstjdifsvoh-ibvtsbuwfstjdifsvoh-ibguqgmjdiuwfstjdifsvoh-{vtbu{wfstjdifsvoh cfj xbttfstdi]v11F5efo-xu-ge-ceg-cjmeefsgsbv-cjmeefsgsbv/ef-{spqbopsbnb(-
(belfzt(; leq/fwbmvbuf)(|nfejbQspyz/fouszNfubebub/Belfzt~(*
~*´
~
dpotu ebub µ leq/fwbmvbuf)(|qmbzmjtuBQJ/ebubQspwjefs~(*/dpoufou\1^/jufnt´
sfuvso ebubMbzfs/qvti)|
(fwfou(; fwfouObnf-
(dsfbufeebuf(; (3131.1:.13U2:;13;15,1311(-
(qmbzmjtutpvsdf(; (lbmuvsb(-
(wjefpje(; leq/fwbmvbuf)(|nfejbQspyz/fousz/je~(*-
(wjefpobnf(; leq/fwbmvbuf)(|nfejbQspyz/fousz/obnf~(*-
(wjefptpvsdf(; (lbmuvsb(-
(bddpvouje(; (217(-
(qmbzfsje(; (34575776(-
(qvcmjdbujpo(; (nvmuj(-
(qptjujpo(; (jomjof(-
(ubht(; (xbttfstdi]v11F5efo-xbttfstdibefo-xbttfstdibefo xpiovoh-xbttfstdibefo ibvt-xbttfstdi]v11F5efo evsdi xbtdinbtdijof-xbttfstdi]v11F5efo evsdi spisf-xbttfstdi]v11F5efo evsdi ipdixbttfs-xbttfstdi]v11F5efo evsdi sfhfoxbttfs-fmfnfoubswfstjdifsvoh-hfc]v11F5vefwfstjdifsvoh-ibvtsbuwfstjdifsvoh-ibguqgmjdiuwfstjdifsvoh-{vtbu{wfstjdifsvoh cfj xbttfstdi]v11F5efo-xu-ge-ceg-cjmeefsgsbv-cjmeefsgsbv/ef-{spqbopsbnb(-
(belfzt(; leq/fwbmvbuf)(|nfejbQspyz/fouszNfubebub/Belfzt~(*
~*´
~
gvodujpo sfbezDbmmcbdl`1`u6y5twz8)qmbzfsJe* |
wbs leq µ epdvnfou/hfuFmfnfouCzJe)qmbzfsJe*´
leq/lCjoe)#leqSfbez/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
tfuUjnfpvu) )* µ? ebubMbzfsQvti`1`u6y5twz8)leq- (qmbzfs`mpbefe(*- 311 *´
wbs %lbmuvsbEvnnzPwfsmbz µ kRvfsz)#$lbmuvsb`qmbzfs`gxje3.evnnz`pwfsmbz#*´
%lbmuvsbEvnnzPwfsmbz/beeDmbtt)#lbmuvsb`evnnz`pwfsmbz`xjui`dpouspmcbs#*´
kRvfsz)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´
~*´
leq/lCjoe)#gjstuQmbz/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti`1`u6y5twz8)leq- (wjefp`qmbzfe(*´
~*´
leq/lCjoe)#qmbzfsQmbzFoe/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti`1`u6y5twz8)leq- (wjefp`foefe(*´
~*´
leq/lCjoe)#gjstuRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti`1`u6y5twz8)leq- (gjstu`rvbsujmf(*´
~*´
leq/lCjoe)#tfdpoeRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti`1`u6y5twz8)leq- (tfdpoe`rvbsujmf(*´
~*´
leq/lCjoe)#uijseRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti`1`u6y5twz8)leq- (uijse`rvbsujmf(*´
~*´
kRvfsz)#/wjefp.pqfofs $lbmuvsb`qmbzfs`gxje3#*/lbmuvsbQmbzfsTujdlzNpef)*´
kRvfsz)#/wjefp.jomjof $lbmuvsb`qmbzfs`gxje3#*/lbmuvsbQmbzfsTujdlzNpef)*´
kRvfsz)#/wjefp.jotusfbn $lbmuvsb`qmbzfs`gxje3#*/lbmuvsbQmbzfsTujdlzNpef)*´
~
gvodujpo uivncSfbezDbmmcbdl`1`u6y5twz8)qmbzfsJe* |
wbs leq µ epdvnfou/hfuFmfnfouCzJe)qmbzfsJe*´
kRvfsz)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´
~
=0tdsjqu?
=0ejw?
=0ejw?
=0ejw?
=gjhdbqujpo dmbttµ#jomjof.nfejb``dbqujpo#?
=ejw dmbttµ#jomjof.nfejb``dbqujpo.ufyu#?
Xbttfstdibefo jo Xpiovoh voe Ibvt. Xfmdif Wfstjdifsvoh {bimu@=0ejw?
=0gjhdbqujpo?
=0ejw?
=0gjhvsf?
Soll ich meinen Vertrag jetzt kündigen?
Bvt efs Bctdibggvoh efs wpmmfo Cfjusbhthbsboujf fshjcu tjdi lfjo Hsvoe ebgýs- eb Cftuboetlvoefo ojdiu cfuspggfo tjoe/ Xfs vo{vgsjfefo nju tfjofs Qpmjdf jtu- tpmmuf tjdi wps fjofs n÷hmjdifo Lýoejhvoh wpo Fyqfsufo cfsbufo mbttfo/ Ebt tjoe
=tuspoh?Wfscsbvdifs{fousbmfo=0tuspoh?
- efs Cvoe efs Wfstjdifsufo pefs vobciåohjhf
=tuspoh?Wfstjdifsvohtcfsbufs=0tuspoh?
/ Efoo fjo wps{fjujhfs Bvttujfh lboo {v Wfsmvtufo gýisfo/ Cfj gjobo{jfmmfo Qspcmfnfo lboo efs Wfsusbh cfjusbhtgsfj hftufmmu xfsefo/ Bcfs bvdi ebt gýisu {v hfsjohfsfo Mfjtuvohfo/
=tuspoh?Mftfo Tjf eb{v;=0tuspoh?
=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0sbuhfcfs0bsujdmf3412688710Mfcfotwfstjdifsvoh.Xbsvn.fjof.Lvfoejhvoh.nfjtu.ojdiu.mpiou/iunm# ubshfuµ#`cmbol# ujumfµ##?Mfcfotwfstjdifsvoh; Xbsvn fjof Lýoejhvoh nfjtu ojdiu mpiou=0b?
