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Die Bedeutung von Lebensversicherungsprodukten bei der Altersvorsorge amerikanischer Besserverdiener

Die Bedeutung von Lebensversicherungsprodukten bei der Altersvorsorge amerikanischer Besserverdiener

          
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About the Book

Inhaltsangabe: Einleitung: Die Frage nach der Stabilität des gesetzlichen Rentensystems wird derzeit hierzulande stark diskutiert. Da die Beiträge zur Rentenversicherung im Laufe der Zeit immer weiter angestiegen sind und die Leistungen daraus aber gekürzt wurden, wurde das Gesetz zur Förderung der privaten Altersvorsorge (Altersvermögensgesetz - AVmG) verabschiedet. Riester hat auf die immer brüchiger werdende „erste Säule" reagiert und einen Gedankenanstoß zur privaten Altersvorsorge gegeben. Das Zertifizierungsverfahren läuft, und viele Versicherer (VR) haben schon ihre Kunden angeschrieben. Sollten ihre Produkte zertifiziert werden, eröffnet sich ein großes Marktpotential für die Versicherungswirtschaft. Die Finanzierungsprobleme staatlicher Rentensysteme beschränken sich aber nicht nur auf die Bevölkerung in Deutschland, sondern bestehen auf der ganzen Welt. Steigende Pensionsausgaben durch demographische Entwicklungen, wie ein Anstieg an Rentnern gegenüber einem Geburtendefizit, sind der Grund für die finanzielle Instabilität. Diese Entwicklungen sind vor allem in den Industrieländern zu beobachten, wobei hierbei Europa besonders stark betroffen ist. Jedoch gewinnt die Frage nach der Aufrechterhaltung der staatlichen Rentensysteme auch außerhalb Europas immer mehr an Bedeutung, z.B. in den USA. Für dieses Land prognostiziert man zwischen den Jahren 1995 und 2050 eine Zunahme der staatlichen Pensionsausgaben von 4,1% des Bruttoinlandsproduktes (BIP) auf 7,9%, was einen Anstieg von ca. 90% bedeutet. Die USA haben das Problem schon in den 70er Jahren erkannt und darauf reagiert. Hier herrscht z.B. ein deutlich geringeres Leistungsniveau, so dass die gesetzliche Altersrente weniger als die Hälfte der Einkünfte im Alter ausmacht, während das Leistungsniveau in Deutschland heute immer noch ca. 80% sind. Die Metlife Versicherung, eine amerikanische Lebensversicherungsgesellschaft, schätzt sogar das Absicherungsniveau der gesetzlichen Rente in den USA auf nur ca. 31


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Product Details
  • ISBN-13: 9783838655031
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 5 mm
  • Width: 148 mm
  • ISBN-10: 3838655036
  • Publisher Date: 06 Jun 2002
  • Height: 210 mm
  • No of Pages: 84
  • Series Title: German
  • Weight: 122 gr


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