Tag: finances

ATLANTICLUX Unit-linked Pension Insurance: Award Of Tomorrow & Tomorrow

Already five times in a row, ATLANTICLUX can refer to this award for their products. Luxembourg/Saarbrucken, 19.10.2012: A particularly favourable cost structure and high performance led again, that the ATLANTICLUX Lebensversicherung S.A. was awarded the renowned rating agency tomorrow & tomorrow. As already in the past few years were the “unit-linked pension insurance ATLANTICLUX NettoPolice” (Layer 3), the “ATLANTICLUX RiesterRente’ (Layer 2) and the” ATLANTICLUX base supply “(Layer 1) with the label” M & M TOP – ranking “considered. Morning & morning confirmed the ATLANTICLUX hence the good positioning in the competitive environment. It is particularly important that the placement fee to consider when the ATLANTICLUX NettoPolice, to be agreed separately with the brokerage company and to be paid also with incorporated in the comparison of tomorrow & tomorrow, i.e. that the rate structure not only on the basis of a complete free insurance tariff, but in regard to the Is the “total cost” peak in Germany.

Since 2010 she leaves Munich group FWU AG related insurance company analyze their offerings through morning & morning and evaluate. The tariffs form the basis for a low-cost retirement savings for the customer and also have a so-called minimum death protection amounting to 50% of the total amount of contributions in ATLANTICLUX RiesterRente and ATLANTICLUX NettoPolice products. While no health check is necessary up to a total amount of contributions of 130,000. Extensive insurance cover can the customer the ATLANTICLUX NettoPolice optional expand through the “Unfallinvaliditats insurance” and “Savings target ensuring” and protect themselves against the financial consequences of accident disability, unemployment, disability or incapacity for work. This “pension”package is rounded off by special investment strategies by the Luxembourg-based insurer. For example, you have actively managed portfolios This ideal return on security (www.gewinnsicherung.de) connect a dynamic capital and profit assurance (peak value guarantee), which combined. Depending on the type of product, four investment strategies by “conservative” survive the customers “stable” to “opportunity-oriented” towards the choice. Investment strategies such as “aggressive” or “risk based” cannot be agree according to the Luxembourg here with the idea of sustainable retirement provision and therefore are not offered! The Riester pension and the basic services you can choose each “Global opportunities” and “Ethical investment” investment strategies. Due to the special legal requirements in these two layers of old age pension only the risk classification available “stable”.

Free Credit Cards Become The Default

More and more banks offer their customers free credit cards – frequently also as extra to the current account in the last few years a lot has happened in the German financial market enormously and is here not by the financial and economic crisis and your consequences. Much”refers in this case much more on the fact that many financial sectors are fundamentally changing. A clear trend to observe that ensures that classic payment methods, such as E.g. cash, more and more of the payment by card will be replaced for example in recent years is so. Especially the so-called credit cards “have distinguished himself in this context especially, unite them but a maximum financial flexibility with the ability to pay cashless anywhere in the world. As everywhere in the financial sector there is a very sharp and lively run competition for market share now but also for the credit cards.

On their hunt for customers all companies, and of course the various smaller credit card companies are, always new, eager for the customer to bring even more attractive offers on the market. Classic credit cards always have cost an annual fee, it was now only a matter of time until is set precisely at this point in this regard and come the first completely free credit cards on the market. But why can the cards be offered free of charge? In this case, what deserves the credit card company? Now, the credit card company can offer only so free the card, because it charges a fee from the company for each use of the card that receives a payment. In this way the card can finance easily yourself and the consumers can be provided at no charge. If the card is free now from the outset, or whether first a certain minimum turnover must be achieved with the map is different from credit card companies, credit card companies and can not be purchased. Also, it is quite possible that a Bank has models in the range, where that U.b.. in addition to the credit card also the fee for the current account is avoided linked also may be at certain sizes of sales. Summary one can say that you should spend more money as a customer never than is absolutely necessary.

Who look at the market, namely quickly realizes that there are already a number of credit card offers which cost more no fee at all. For an appropriate credit card a little to facilitate the work in the research, many sites on the Internet offer a free credit card comparison. Here interested, can see in a few seconds, which offers currently available and which model you might be right. Mischa Hill

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