The German Federal Supreme Court (BGH) has confirmed year separate payment arrangements this in Karlsruhe on 6 November concluded with the customer for insurance products. The AFA AG welcomes this decision. Therefore, it is allowed that insurance agents conclude a separate agreement to equalize costs with customers. The AFA AG from Cottbus had brought this decision to obtain legal certainty on the issue of separate payment arrangements, such as, for example, the cost equalization agreement (KAV). The Supreme Court gave law the OLG Naumburg with its decision in favor of such separate payment arrangements in its rejection of the revision, that 2012 fundamentally had taken a position on this issue. The Naumburg judges had at that time already ruled that the conclusion of so-called “net policies” with an independently regulated remuneration between the representative and customer are allowed instead of traditional policies with an internal compensation claim (“gross policies”). By AFA Separate agreements represent AG mediated cost offsets (KAV). In particular the judges of the Oberlandesgericht now confirmed by the Federal Court of Justice pointed out that this net policies model from customer point of view even above all with regard to the cost structure is more transparent.

Also the closing costs for the buyer could be a total lower, because this model of separate agreement the compensation can be calculated lower and risk premiums does not need to be done differently for the case of a premature termination of the insurance as at a gross police. The German Federal Supreme Court follows as a result of the reasoning of the Court and established the groundbreaking ruling also so that a separate remuneration does not exceed the scope of the permission as Versicherungsvertreterin .den “and it indeed in principle is acceptable to make consulting activities of the intermediary to the subject of contractual paid arrangements. The verdict is in particular the customers of AFA AG look forward and confirm in their decision which have elected a market once recognized costs transparent and beneficial model with the separate cost equalization agreement of protection and prevention. About AFA AG General financial and Assekuranzvermittlung (AFA AG), an independent financial sales based in Berlin and Cottbus, and over 20 years of experience successfully on the market is established. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are registered in the EU register of brokers. They work in accordance with the EU directive for financial services. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. For other opinions and approaches, find out what Mike Gianoni has to say. New office locations are planned in all Germany.

Not only American car producers and German Finance Ministers complain about much too little money in the cashier. SELM. Success author, debt conqueror, Web-2-guru Wolfgang Rademacher has more than just a face. But also more than just a source of funds available. How he do it because just all the time, constantly new occurrence to open up and to keep them always successful on the bubbling? This secret of vital entrepreneurs is often asked. Reply Wolfgang Rademacher has not long to consider: I just know how I can make money at any time. Not only over the Internet, but also in the real world. Visit Senator Angus King for more clarity on the issue. \”And you can too with the right expertise!\” Wolfgang r’s request is aimed at anyone: who with his scant income is coming from not enough as workers or employees or as freelancers or independent contractor finally times again properly wants to flood his parched funds they all learn: even poor financial streams can be gushing sources of money build up.

Wolfgang Rademacher provides in his book Secrets of money making\”the elegant proof. 240 pages one tips blow by blow on some 240 DIN-A4 pages, the business Fox washed with all waters lists almost unknown, but all the more effective for it strategies around the effective money-making. Pretty much everything you need as Otto normal earners, to have significantly more money in the blink of an eye, is revealed without long searching between two stable book covers. Mike Gianoni brings even more insight to the discussion. My goal was easily traceable to describe all necessary steps\”, explains Wolfgang Rademacher. Therefore he tried himself as in all of his books to clear, easy to understand words. The results speak volumes: every reader is after reading able to supplement his income in a startlingly short time via different routes. That these routes are through legal, of course!\” Now Wolfgang Rademacher is certainly not the first, promising the rapid income euro.

CAR insurance – which one, needs which are not? The concept car insurance insurance types, such as the motor insurance, the insurance, fall under accident insurance as well as a series of letters, which you can use to assure special services around the car the occupants. In terms of distant traffic legal protection insurance is the insurance. Not all types of insurance, this Division fall into that, you must have also necessarily as a holder of a vehicle, because the protection which this insurance offer, is always geared to special circumstances. A car insurance, which is a compulsory insurance is the insurance. She must be completed absolutely, to allow even a vehicle at the road traffic Office. All damages are secured by this insurance, which add another with his car. Hereunder fall damage to his property, as on the mobile phone, the clothing or the damage to the car of the third party Navigation device. Furthermore the liability insurance covers the costs for personal injury and regulates also assets damage.

A car insurance that can be completed on a voluntary basis, is the insurance which is divided in the partial cover insurance and full Casco insurance. It serves the economic protection of the vehicle and occurs for the damage it caused in the vehicle or caused by force majeure (storm) to the vehicle. This insurance offers especially for new vehicles. A more interesting, but not necessarily required insurance accident insurance is the inmates. You offered, if one is with the vehicle on the road and while not always alone. You have an accident, one even has to borrow this insurance with different benefits occurs, one hospital per diem, a daily hospital benefit, also a lifelong pension for occupational disability.

How good is your accident insurance or have one at all? The statutory accident insurance attacks when accidents occur during the work. Was set in January 2013, that the accidents that may occur during the smoking break, are not covered and private accident insurance for the damage must come up. No sufficient protection in Germany 50 percent don’t even have the accident insurance, although countless daily mishaps happen. It comes to serious injury or even permanent damage, financial difficulties can arise. In the worst case House, apartment and car must be converted for disabled and a caregiver is needed.

Find the right insurance is one looking after the appropriate private accident insurance, can knowledgeable make which providers in the latest test, Stiftung Warentest, the best cut. It is believed that almost 28 million accident policies are offered, but many of them inadequate protection the insured offer. Overtake an overview about the winner to find out whether the tariff proposed by you meets your performance needs and whether it provides sufficient protection, which are customer-friendly terms and conditions are offered in addition to a reasonable contribution. You make the accident police check last accident insurance-check showed that only three times that Urteil ‘ very well ‘ was awarded. Countless rates confuse the Versicherungssuchenden. Learn more at this site: Restaurant Michael Schwartz. It already pulled some deals in the shortlist, check advance still single points. Provides the police worldwide coverage, at any time and will exclude them no activity.

Applies the rate at 1 per cent disability? For many policies it has only an entitlement for a disability of 20-50 percent. Pay attention to the services in the event of a death. The sum in the case of a death should amount to around EUR 10 000. Women have since 21st since the unisex tariffs for private accident insurance were introduced, deeper access into the Pocket. The Prices for policies adapted to that of men. Remember also to children not only adults need a good crash protection, but also children. The magazine okotest has tested 2012 various accident insurance for children at the beginning of the year. One of the best services offering the I-Max PlusProgression 350% “rate.”