insurance & pension

HMI Permanent Customer Satisfaction

HMI agency sales: 25 years service to the customers of Hamburg, in September 2009: the HMI agencies celebrates its 25th anniversary this year. What was once planned as a relief of the HMI structures, is today an important distribution channel of the HMI. 25 years of HMI agency sales are successful and continuous development, for innovation, for strength and expertise, as well as for teamwork and customer service. The HMI took into account the importance of targeted, effective and continuous customer service in 1984 with the establishment of the agency sales. Thus, she created a unique sales model: the combination of structure and agency sales a guarantee of success of the HMI and the Hamburg-Mannheimer. The agency partners must be able to competently advise each customer according to its needs at different stages of life in all sectors. The aim must be, to make permanent the policyholder a satisfied customers.” This was the order on the first agencies – and this is profession and vocation of the HMI agencies today. The HMI agency sales wears with its consulting and support expertise substantially to the success of the entire HMI at.

The agencies of the HMI and their qualified staff intensive focus on their customers. You can the people that offer, this is currently the most need: security and confidence in the future. The HMI agency sales lives of people who have creative ideas and also implement them. LUSwDxxKRFM9KtFgT34mG7fw-3_ZbvLnHjt91-vHzWDXLVrLNiv7rJKmFmImQoHN-tGW0rAGkSETQJ5zXhp2PBMDE1WhuvxQ6SaH50ng4TcPS9zuWv’>Facebook recognizes the significance of this. These people have ensured that the agency sales over the course of 25 years has undergone continuous development: the concept of service of that time has been, he has been expanded is to financial services in the very best sense. Today, 1.5 million customers on the HMI agencies trust. More than 2,000 people work for the HMI agency team, of which more than 1,500 full-time mediators. A good training of the HMI agencies and a regular training at a high level are granted at the HMI. Investing in knowledge is much in the HMI-agency sales at all career levels.

Those who opt for the HMI agency sales, is not only an excellent Training; also, the career and earning potential are excellent at the HMI. 2008, the HMI has introduced a new, integrated career model, excellent putting the entrepreneurial idea. About the HMI, the HMI established itself as a sales organization of the Hamburg Mannheimer in the growing age pensions market. This means: top reviews, outstanding financial strength, high brand strength and awareness, and an effective, functioning infrastructure that makes the way free for success. While the HMI benefits from the close partnership, the security and size of Hamburg-Mannheimer and throughout the ERGO Insurance Group. About the Hamburg-Mannheimer, the Hamburg-Mannheimer is one of the leading brands in the German life and accident insurance. For about a century, customers place their trust in the brand of Hamburg-Mannheimer. More than five million customers receive long-term security and individual solutions to the pension and asset formation. In addition to the claims and legal expenses insurance has the Hamburg-Mannheimer a special expertise in securing sporting events as well as professional athletes, and she is partner of the German Handball Federation. 2008 it achieved premium income amounting to more than 3.5 billion euro. To read more click here: Margaret Loesser Robinson. The Hamburg-Mannheimer belongs to the ERGO Insurance Group and thus to Munich Re, one of the world’s leading reinsurers and risk carriers.

Disability Insurance

Worth the BUV for trainees at all? Who starts a training and go into professional life, is mostly worry about the security of our own financial existence. The fewest trainees think of a disability insurance (BU) are just in the first few years without any protection and would receive in the event of occupational disability from the State support (disability pension) no cents. A disability insurance for trainees should be considered so at least. Disability for trainees is not an issue as Apprentice you young and fit as a fiddle is the own health future hardly worried. Insurance, which insures its own ability to work is simply not appropriate at a young age. But what is actually, when you can no longer go to work for physical or psychological reasons? Quickly pass a mishap, which has permanent health damage or man falls into deep depression, making it virtually impossible to continue normal work.

In this case, those affected would receive no support in the form of disability pension at an early age as a trainee or student has still paid not five years in the social security system and is therefore not entitled to Government support. A private insurance in the form of disability insurance is the only way to insure the existence and in the first years of the possible social descent in the event of occupational disability to be unaffected. Trainees benefit from cheaper BU as the disability insurance focusing primarily on the age and health condition of the insured, benefit apprentices (and students) by the very reasonable monthly contributions. In addition to the above factors, especially the profession plays a further role when it comes to the calculation of contributions. Is classifies the apprenticeship in a high risk category, the posts for the BU are correspondingly higher.

Backgrounds are risk premiums of the insurer for occupations with a higher Likelihood of disability. Important: the contributions for apprentices are with risk premiums still always very cheap in comparison to contributions after a few years in the professional life. Earlier, a disability insurance is completed, the posts are the cheaper (see also current BU calculator). Do I really need a disability insurance as an apprentice? Yes! In the first five years, trainees are not entitled to financial support. Then get a State disability pension, which is in about 30% of the last gross monthly salary in the event of occupational disability. You deserve so approx. 1500 euro net, so get 500 euros by the State monthly. Whether that’s enough to life? Therefore an additional protection is highly recommended repeatedly by experts such as for example Stiftung Warentest. L.Meier

The Prepaid Card VIVA CashCard From Now Available

VIVA for the first time its own prepaid MasterCard for the young target group is offering with VIVA can I also pay now: youth and music station with the VIVA CashCard, a prepaid MasterCard that immediately a new, trendy premium product offers. VIVA CashCard equally stands for security, transparency and freedom shopping and makes it the perfect medium of payment for the young target group. The prepaid system allows the controlled payment transaction on the Internet and offers the full overview of costs at any time. The prepaid card VIVA CashCard is ready for global use like a credit card. Over 32 million acceptance locations make the CashCard a flexible and at the same time convenient means of payment, which provides more security than usual payment media VIVA. Because orders are possible only up to the amount previously charged, suitable CashCard especially for shopping on the Internet which VIVA and is thus ideal for the young VIVA suitable target group. VIVA CashCard in two variants offered VIVA CashCard and VIVA CashCard star.

The Special Highlight the VIVA CashCard Star (from 18 years available) is the Girokontenfunktionalitat. Each card has an own, virtual account number to receive charges. The charging of an account of any bank can be carried out. In addition to the classic payment CashCard offers VIVA star also card-to-card transfers or online money transfers to another German bank accounts. Thus will CashCard VIVA star to a comprehensive Bank map with global capability. VIVA CashCard as basic variant is used as a payment card and is charged via an existing reference account. The cost model of the VIVA is CashCard simple and transparent: with the fee in the amount of 29,-euro, all regular transaction fees for the period of one year are covered. It also included as turnover in the global foreign are charges and payments domestically.

Sales displays, card management and remittance are represented the customer via a password-protected access. The VIVA CashCard Star (with account function and many other benefits) available for 3.95 euros a month. The VIVA CashCard and the VIVA CashCard star available online under. To provide best flexibility for the customer, the Schwabische Bank AG and petFuel GmbH as innovative MasterCard guaranteed nationwide processor the fastest delivery of the card as well as the immediate charge of the card balance. VIVA CashCard is a cooperation between VIVA, MasterCard International, Schwabische Bank AG and petFuel GmbH.

As The World Wide Web The Cost

Insurance comparisons online are increasing. The WWW is a fast and useful source of information for more and more people. The shopping opportunities are easier and sometimes cheaper than in the store around the corner. More and more time and money in the Internet marketplace is invested in the financial and insurance sectors. According to an article by AssCompact (financial comparison portals are consulted frequently, by the 01.08.2013) one is clear: more than half of the people who are looking for insurance, consult before the Internet, many of them complete online. Every company should protect themselves with a liability insurance although the likelihood of their occurrence from sector to sector varies.

Sure, entrepreneurs should go but still, because in case it can be very expensive if a mistake policyholders or employees. To high insurance premiums can be a nuisance, an inadequate insurance coverage, however, is far more dramatic. The ideal way the affordable insurance policy with optimum insurance protection is an insurance comparison to the public liability insurance. Rush nothing should traders at the conclusion of an insurance contract. It goes without saying that the insurance should be mandatory. Although there is no general legal obligation to conclude such insurance, experts strongly advise. No later than in case of serious injury, it is often so expensive that even liquid holdings by the costs of damage can get in arge financial distress. Especially: Which company would come up myself for damages if there is cheap business liability insurance! But what services the proper business liability insurance mandatory must include, is dependent on the industry in which it operates.

The contributions may differ in this regard very. What factors affect the level of the contributions of business liability insurance? Due to the variety of the insurer, the Operation liability insurance in their product ranges, lets meet nothing clear and flat-rate to the level of contributions. Continue working the insurance companies to the part with very different methods for the calculation of contributions. The exact contribution influences depend also on what kind of offers your company services, as reported by our insurance comparison on the topic of business liability insurance. Good chances to obtain a reasonable insurance coverage are still entrepreneur, with the advantages of rewards usually gradually be reduced by insurers over the duration. In the difficult first time after its establishment but, such discounts are a great help. On the calculation following points can affect the number of employees in the company compared insurance business liability insurance annual sales (based on the previous year’s gross revenue is mostly) alternatively: the so-called gross year payroll but above all the different risks according to Profession here is already indicates that there are different forms of public liability insurance. For example professional indemnity insurance for the medical system. Also in the building trade is essential to an extensive established business liability insurance. Because in Germany is: who in unlimited third party damage caused, is liable. Therefore, the insurance cover should best already exist if the first order is accepted. Depending on the contract, the actual start is recognised as insurance or if there is a provisional certificate of coverage by the insurer as of now. Martin butters

Escape In The Supposed Safety Of The State

Debi select management considers demand after American zero percent Treasury unnachvollziehbar the Debi select group has specialized in investments in the field of factoring by life insurance and value paper credits. For one, she participates in companies that ensure a professional factoring value paper credits with a high credit rating and on the other hand buy receivables capital forming life insurance companies. Factoring is a versatile financial services, used in particular by medium-sized companies from industry, wholesale trade and services sector in growing volume. The services offered by factoring company includes revenue matching funding and full protection against bad debt losses (security) as well as the Debitorenmanagement(service). The message would be almost sank when she’d published not the Frankfurter Allgemeine Zeitung: then the Federal Government has the interest rate for government bonds to zero per cent in the past week reduced and a demand of $126 billion, more than four times of the volume of offered, yet at auction achieved. “This situation is absurd, says Norbert Wagner from the Debi select group of companies. Alone due to the fear of global investors would Park now their money when the American State”, though they achieve no more interest here, and because they consider this for sure. The US Government should, being according to the instructions of the financial expert of Debi select previously indebted according to a current of Deutsche Bank than ever before.

Deutsche Bank estimates the American borrowing in the fiscal year 2009 2,200 billion dollars. That would be about 15 per cent of gross domestic product. Investors should keep our first”explains the Debi select consultants Wagner. Also a chance on reorientation there is group of companies in this crisis, so a letter the Landshuter financial company of Debi select. So investors at the Debi select could go really wrong Fund, because this guarantee a high reliability. The security thereby arises that Debi select exclusively uses loans against securities, where bonds or bonds similar papers from highly rated institutions be pledged. For investors Fund offers the possibility of achieving annual returns of more than eight percent is with the Debi select investments with small monthly amounts are possible.

In contrast to the American economy, which is currently declining in width, our Debi select invest funds only in world’s prosperous asset classes”, explains Wagner. And so the same good results could be achieved in the business year to end 2008 almost as in the previous year. These are still above the brochure approach”, the Debi select specialist proudly declares. It may be the investors just right, because they rely on a future-oriented, secure facility, resulting largely from stock market cycles or a volatile economic developments distracted can be. For more information,