Lebensversicherungen: Maßnahmen zur Stabilisierung der Zinsgarantien

Die anhaltenden Niedrigzinsen erschweren es den Lebensversicherungsunternehmen, die garantierten Zinsen und möglichst auch noch eine Überschussbeteiligung zu erwirtschaften. Gleichzeitig steigen wegen des niedrigen Zinsniveaus die Kurse von Wertpapieren, sodass hohe Bewertungsreserven entstehen, die zur Hälfte an ausscheidende Kunden auszuzahlen sind. Ein Dilemma, das mit dem "Lebensversicherungsreformgesetz" vom 1.8.2014 gelöst werden soll. Betroffen sind aber nicht nur die Versicherungsnehmer, sondern auch die Versicherungsunternehmen und ihre Anteilseigner.

1. Zum Hintergrund der Neuregelung

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2. Begrenzte Ausschüttung von Bewertungsreserven

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3. Verbot von Ausschüttungen an Aktionäre

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4. Höhere Beteiligung an den Risikoüberschüssen

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5. Absenkung des Garantiezinssatzes für Neuverträge

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6. Verminderung der Abschlusskosten

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7. Verbesserung der Kostentransparenz

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8. Verbesserte Handlungsmöglichkeiten der Aufsichtsbehörden

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