Lebensversicherung: So stehen die größten deutschen Lebensversicherer finanziell da
Mit der Altersvorsorgereform wird der Wettbewerb für die Branche härter. Eine aktuelle Studie zeigt, welche Anbieter gut für die Zukunft gerüstet sind – und welche nicht.
Frankfurt – Germany's largest life insurers are facing financial challenges as trust in the industry continues to wane. This decline is attributed to comparable offerings that are difficult to compare and opaque costs. Professor Hermann Weinmann of the Institute for Financial Economics in Ludwigshafen has been urging for uniform standards, particularly for state-subsidized products, for quite some time.
The reform of the Riester pension, featuring a standard deposit, is, in his view, a step in the right direction. However, it may exacerbate competition for the life insurers: many customers might opt for a stock deposit instead of an insurance product in the future. "Significant shifts in the market are to be expected," predicts Weinmann.
Despite this, life insurance should not be dismissed as a "costly dinosaur of the past." Its advantage lies in the lifelong pension. For stable pension payments, life insurers must efficiently manage the money of their customers. The extent to which this is achieved becomes evident from Weinmann's annual balance check, published in the "Journal of Insurance" and seen by the Handelsblatt in advance.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
