Increasing importance for the protection of the labour force the Germans are very comprehensive in many areas and (too often) expensive insurance. The protection of own labour power, however, is but still not widely used, although the personal labour for most people is the most important source of income. Who can no longer exercise his profession for health reasons, in danger of a social descent. The Government services were restricted and enough even under the Hartz-IV level. The early statements protects private disability insurance, which pays an agreed monthly pension as a substitute if you no longer are able for health reasons, his previous profession. However, many people underestimate health risks, having to give up their profession prematurely. The statistics of the Deutschen Rentenversicherung say federal, that now every fourth worker and every fifth employee in advance on the basis of health complaints his profession must give up. Government backing in the event of occupational disability was in fact abolished some years ago.

There is only a certain protection for the cases in which it can exert no profession at all. This so-called disability protection not sufficient however by far, to secure his current standard of living. Even consumer watchdogs call the disability insurance therefore in addition to the liability and health insurance as the most important insurance coverage at all. With appropriate disability insurance, you can ensure that you can maintain his standard of living in the emergency of a disability and don’t fall through the social network. A combination of occupational disability protection and pensions can be sometimes useful. The prices for a good disability protection depend on the age at the conclusion of the contract, exercised occupation, gender, health status, the insurance period and the amount of the pension.

Also from the selection of the appropriate Insurer. The price differences are here: enormous. However care must be taken in addition to the price also on other criteria such as the conditions of the insurance, the financial strength and reliability of the insurer or individual aspects. As a principle: the younger and healthier you are in the contract, the cheaper and better you can get a good disability protection. More information on the disability insurance as well as the possibility to request an independent comparative calculation can be found on the website. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal the company has specially on the Specialized needs of private individuals and professionals would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With one individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

The private health insurance for self-employed compared online compare private health insurance for self-employed persons for the self-employed there is special private health insurance rates with a requirements profile tailored to self-employed persons. So there is the possibility to include a health day fluke insurance in the health insurance plan. This is particularly important, since self-employed persons are not subject to social insurance contribution and therefore without failure in the event of illness of work income. A sickness benefit insurance helps to compensate for Einkommensausalle and bypass. There are countless car tariffs from various providers on the market. They differ not only in the amount of the sickness benefit insurance, but also in the scope of other services.

Optimal and individually tailored private health insurance for self-employed persons can be obtained via a free online car comparison. Self-employed persons can the desired services or any excesses itself determine and choose from a catalogue of services. So, any influence on the scope of services as well as on price or the final contribution can take. Unnecessary and unused services can be excluded, while important and necessary services optimized. This helps to find not only optimal and geared to the needs of own private health insurance for the self-employed, but also enormous cost savings. On average, self-employed save up to several hundred euros at their private health insurance in the year and must not abandon this important insurance benefits. The PKV comparison is free and without obligation in every case and is created from thousands price variations, including the respective car winner. Thus, optimal private health insurance for the self-employed can be determined.

Financial crisis is forcing companies to the rethink, benefit investors the financial crisis is currently dominant theme of the global economy. Not only the losses of banks, but also their impact on the overall performance of the economy, inflation and private consumption are discussed heavily. Almost all companies are affected by the current crisis, which will be probably for a longer time. Glenn Dubin, New York City is open to suggestions. Increasingly spoken of recessions, even depressions. The impact of the financial crisis are already being felt. As consumers and businesses less invest, the economic forecasts lowered. A winner of this crisis seems currently to be the oil industry, because their profits are at record levels. Even if the price of oil is currently again, he will mark soon again new records due to the finite nature of the raw material.

The rising oil and gas prices to burden the economy, not only companies, but also private consumers. A completely different industry is therefore also the winner of the crisis as one considered the renewable energies. It makes it necessary to deal with alternative energy sources such as the water and wind power, and solar energy, and to promote this rising oil prices as well as the environmental impact of the CO2 emissions related businesses as well as for States. The renewable energy act in Germany, for example, promotes the construction of such plants on the one, at the same time ensures the law, especially in wind and solar energy, a fixed remuneration, so that investors can plan very well. In addition also biogas plants establish themselves further, which in turn raises a production boost in agriculture, caused by the increased demand for corn and wheat. Even the wood industry can benefit from the demand for renewable energy. The current financial situation will move many companies sooner or later, to take advantage of cheaper alternative energy to be in the future less dependent on oil prices.

As a result, that the area of renewable energy will continue to grow, because the demand is increasing. Of course eco-Fund and environmental investments, investing in these sectors of the economy will benefit from this development. Maurice Gallagher, Jr. has much to offer in this field. Of course, already strong thematic funds, such as solar fund fall under these ecological assets. A comparison of these funds clearly shows that some of them much better cut off in the past as a wider spread of equity funds. Especially long term ecological funds are a strong and future-proof alternative, because they are less susceptible to economic cycles.

Payment and waiting times paid many people close funeral – payment and waiting a funeral from aiming to charge the relatives with the cost of a funeral. But what if the death occurs and the funeral yet not at all or only in the small scale? The possibility to inform themselves in advance of the funeral services. Independent insurance brokers can cater to the wishes of the customers, because they can draw on a variety of companies. Active since 1984 Versicherungsmakler IAK GmbH provides an overview from over 30 plans for the funeral. The latency of a funeral is usually three years. When it come to the funeral, only the contributions less expenses are paid in the first three years.

For many members the sobering-up added to death, if not even nearly covered the cost can. At the funeral, some companies offer different models based on shorter maturities. Dr. Mark J Berger shines more light on the discussion. The GE-BE insurance in Bremen allows concluding a burial without having to wait. Here the insured person must confirm but with conclusion of the contract, that he is healthy. The Munich Funeral Association (MBV) under the umbrella of the LV 1871 offers another variant of Munich. You may wish to learn more. If so, Eva Andersson-Dubin is the place to go.

In the MBV, latency is staggered according to the age. Until the 49th year of life is here also the waiting period of three years. From the 50th to the 59th year, the wait time is two years and from the 60th year of life 12 months waiting period will apply. Also the services be paid out in the waiting time from 60 years graduated after six months. The insured person dies after seven months, half of the insurance amount will be charged. From the seventh month, performance is then lifted to 1/12 so that after 12 months, the full service is provided. The ARAG offers a different model with her funeral: you refundable after one year two-thirds of the sum of insured will be one-third of the sum of insured, after two years due. More exceptions are the twelve months, the Condor with 18 months and the SwissLife Itzehoe Lebensversicherungs AG, as well as inter life insurance with 24-month waiting period. This resulting in a whole range of variants, according to which the insured person fitting his burial can choose.