A brand of KIRCHNER Finanzgruppe GmbH
Policenfuchs reviews existing life and pension insurance policies as well as bAV contracts (betriebliche Altersversorgung – occupational pension schemes). We show you what your contract actually earns – and where it falls short of expectations.
Many clients receive their insurer's statements on profit participation year after year without being able to tell from them how their contract is really performing. Terms spanning decades, cost components, profit-sharing systems and guarantees make retirement provision contracts difficult to understand.
Policenfuchs provides clarity here: we recalculate your contract, make sources of disruption visible and explain the result to you in understandable terms. On this basis, you decide for yourself whether and how to proceed with your contract.
We review endowment life insurance policies – including those with double death benefit or included BU (Berufsunfähigkeitsversicherung – occupational disability insurance) or EU (Erwerbsunfähigkeitsversicherung – general incapacity-to-work insurance) – and show what return is actually being earned.
We analyse private pension insurance policies for their return and cost structure, so that you are not left alone with your insurer's statements.
We review pension commitments and contracts of occupational pension schemes in order to identify problems at an early stage, before they become pitfalls for employers and employees.
As an intermediary, we support tax advisers and auditors with questions relating to occupational pension schemes, in particular when legislative changes require adjustments.
Not every net policy is equally “net”: the insurer, too, has to factor in its costs. We disclose the internal cost structures and explain them in understandable terms.
Even a contract that has already been terminated can be recalculated. Whether anything still results from this is shown by the review in the individual case.
Policenfuchs does not provide legal advice. If legal claims against an insurer are to be pursued on the basis of the review result, a lawyer is responsible for this.
We review private life and pension insurance policies – including contracts with double death benefit or with included BU (Berufsunfähigkeitsversicherung – occupational disability insurance) or EU (Erwerbsunfähigkeitsversicherung – general incapacity-to-work insurance) – as well as bAV contracts (betriebliche Altersversorgung – occupational pension schemes).
Yes. We can also recalculate contracts that have already been terminated. Whether anything still results from this depends on the individual contract and can only be determined after the review.
To get started, your contact details and the contract number are sufficient. The insurance certificate, the contract terms and the insurer's annual statements are helpful. You may leave open any questions you cannot answer with certainty.
We will inform you of the terms in the initial consultation, before you instruct us. No costs are incurred without your express instruction.
No. Policenfuchs recalculates and explains the result. If legal claims against an insurer are to be pursued on the basis of the review, a lawyer is responsible for this.
Policenfuchs
KIRCHNER Finanzgruppe GmbH