1Année
This topic seems to have been dealt with extensively in this thread. I have dealt with the product very intensively and have come to the conclusion that it is a waste of money. All the alleged tax advantages etc. are pure sales tricks. I would most likely take out a life annuity insurance through a net policy. Everything else is a total scam!
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1Année
@Ironman2022 The first question is: Which product? There are different annuities and each has its raison d'être. And you also have to be careful with net/gross policies. Everyone talks about the fact that a net policy has no costs. Gross policies can also be advantageous. The topic of tax advantages: there are differences here as well. It depends on the product you want to take out. 👍
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1Année
@Finanzios As you have already noticed, my trust in your industry and in such non-transparent and expensive products is close to zero. The best thing to do is to take financial provision into your own hands. That's the best way to go. That is my deepest conviction.
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1Année
@Ironman2022 I think there are enough products on the market that are cheap. That you yourself invest in etfs is great. I'm doing the same thing. However, it always makes sense to spread your money and not to concentrate on just one thing. Whether dad has to be an insurance or something else is up to you. I can only say that our customers are satisfied. Especially the customers who are now retiring and who took out a policy a few years ago. Don't throw all insurances into one bucket, but look at different ones. I am also aware that there are also black sheep among insurers. 👍
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•1Année
@Finanzios Of course, I also diversify across different assets. Life insurance is definitely no longer part of it😅
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