kim and Steve
Kim and Steve
Ceremony Location: Christ the King
Reception Location: Atlantis Pavilion
Photography: Jansen Mortuzza Photography
Kim and Steve
Ceremony Location: Christ the King
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In den ersten Jahren liegt der Rückkaufswert deutlich unter der
Summe der eingezahlten Beiträge. Da der Versicherer einen Teil der Prämie zur
Deckung der Kosten für Abschluss und Verwaltung des Vertrages verwendet und ein weiterer Teil für Gefahrtragung (Auszahlung der durch vorzeitigen Tod
anderer Versicherter fällig gewordenen Todesfallsummen) benötigt wird, fließt nur der verbleibende Teil in den Rückkaufswert.
Viele Versicherungen nehmen außerdem noch einen Abzug vom Rückkaufswert vor.
Die Höhe ist jeweils in den Versicherungsbedingungen geregelt.
Wenn Sie nach Besserung Ihrer persönlichen, finanziellen Situation wieder einen Versicherungsschutz wünschen, muss dieser neu beantragt werden. Es wird dann Ihr
aktuelles, höheres Eintrittsalter zu Grunde gelegt.
Entsprechend zahlen Sie dann für die gleiche Versicherungssumme einen höheren Beitrag.
Weiterhin können zwischenzeitlich aufgetretene
Erkrankungen die Annahme des Antrags erschweren oder sogar unmöglich machen.
Wer bekommt das Geld, wenn ich sterbe? Bei Antragstellung
haben Sie die Möglichkeit, ein Bezugsrecht sowohl für den Todesfall als auch für den Ablauf Ihrer Versicherung festzulegen. Dieses Bezugsrecht regelt, wer die Versicherungsleistung bekommt.
Eine Änderung des Bezugsrechtes ist während der Vertragslaufzeit jederzeit möglich.
Haben Sie keinen Bezugsberechtigten angegeben, gilt im Todesfall die gesetzliche Erbfolge.
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