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Analyse von Storni und Implikationen für die Gestaltung eines Stornomanagements in Lebensversicherungsunternehmen

Analyse von Storni und Implikationen für die Gestaltung eines Stornomanagements in Lebensversicherungsunternehmen

          
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About the Book

Inhaltsangabe: Problemstellung: Lebensversicherungsunternehmen (VU) stehen in der Bundesrepublik Deutschland unter Druck, die Gunst der Kunden langfristig zu gewinnen. Schätzungsweise die Hälfte aller abgeschlossenen Lebensversicherungen (LV) wird vor Vertragsende abgebrochen. Die vorzeitige Aufhebung oder Kündigung des Vertrags wird dabei in der Lebensversicherung mit dem Begriff „Storno" bezeichnet. Bei einem Bestand von mehr als 97 Millionen Verträgen entfielen im Jahr 2004 mit einem Stornovolumen von zwölfeinhalb Milliarden Euro, rund ein Fünftel der ausgezahlten Versicherungsleistungen auf vorzeitig abgebrochene Verträge. Im selben Jahr erreichte nach Angaben des Gesamtverbands der Deutschen Versicherungswirtschaft (GDV) die Stornoquote gemessen an der Beitragssumme wie schon im Jahr zuvor mit 5,5 Prozent4 den höchsten Stand vergangener zehn Jahre. Angesichts des anhaltend schwierigen wirtschaftlichen Umfelds und der seit Beginn des Jahres 2005 vollzogenen steuerlichen Kehrtwende, die zum Jahresende zwecks letztmaliger Möglichkeit, steuerbegünstigte Verträge abzuschließen in einem fulminanten Neugeschäftsergebnis für die Lebensversicherer mündete, sind auch in den nächsten Jahren neue Höchststände an Stornozahlen nicht ausgeschlossen. Vergegenwärtigt man sich den ursprünglich langfristig zur Altersvorsorge und zur Risikoabsicherung angelegten Vorsorgecharakter einer LV ist diese Aussicht ernüchternd, zumal das Storno im Allgemeinen für den Versicherungsnehmer (VN) mit finanziellen Einbußen verbunden ist. Immer noch werden gerade aber die bei VU durch das Storno oft mit Verzögerung langfristig auftretenden negativen Folgen unterschätzt und das schon wohl bekannte Argument, dass eine Stornierung und anschließende Neuakquisition mit höheren Kosten als eine Vertragsumstellung im Rahmen der Bestandspflege verbunden ist, unternehmensintern unzureichend kommuniziert. Deswegen bemühen sich bislang auch nur wenige VU ernsthaft um die Erhaltung der Verträge und die Urs


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Product Details
  • ISBN-13: 9783838692388
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 7 mm
  • Width: 148 mm
  • ISBN-10: 3838692381
  • Publisher Date: 12 Jan 2006
  • Height: 210 mm
  • No of Pages: 112
  • Series Title: German
  • Weight: 159 gr


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Analyse von Storni und Implikationen für die Gestaltung eines Stornomanagements in Lebensversicherungsunternehmen
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