Lebensversicherungen: Altverträge mit Vertragsabschluss vor 2005

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1. Die Steuerbegünstigung von Lebensversicherungen

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a) Wie Beiträge und Leistungen steuerlich behandelt werden

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b) Welche steuerlichen Besonderheiten es gibt

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2. Kapitallebensversicherung

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a) Die Beiträge müssen laufend gezahlt werden

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b) Die Vertragsdauer muss mindestens 12 Jahre betragen

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c) Der Todesfallschutz muss mindestens 60 % der Beitragssumme betragen

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d) Die Versicherungsansprüche dürfen nicht steuerschädlich für Finanzierungszwecke abgetreten werden

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3. Rentenversicherung mit Kapitalwahlrecht

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4. Rentenversicherung ohne Kapitalwahlrecht

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5. Risikolebensversicherung

Xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxx xxxx xxxxx Xxxxxxxxxxxxxxxxxxxxx, xxx xxx xxx Xxx xxx Xxxxxxxxxxxx xxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxx. Xxxx xxxxxx xx xxxxx Xxxxx, xx xxx Xxxxxxxxxxxxxxxx xxxx xxxx xxxxxxx xxx xx Xxxxx xxxxxxxx xxx xx xxx Xxxxxxxxx xxxxxxx xxxx xxxxxxxx xxxxxxxxx xxxxxx xxx xx Xxx. x Xx. xx Xxxxxxxxx xx XXxX xxxx xxx. xx xx Xxx. x Xx. xx XXxX xxxxx.

Xxxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxx xxxxxxxxxxxxxxxxxxxxx, xxx xx xx Xxxx xxx Xxxxxxxxxxxxxxxxxxx xxxx xxx xxxxxxxxxxxxx Xxxxxxxxxx. Xx xxxx xxxx xxx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxx xxx Xxxxxxx xxx Xxxxxxxxxxxxxx x xxxxx xxxx xxx Xxxxxxxxxxxx x xxxxxxxxxxxxxx, xxxx xx xxx xxxxxxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxxxxxxxxxx Xxxxxx xxxxxxxxx. Xxxxxxxx xxxxxx xxx xxxxxxxxxxxxxxxxxxxxxx xxxxxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxxxx xxx, xxx xxx Xxxxxxxxxx xxxxxxxxxx xxxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx XX X. xxxx. Xxxxxxxxx xxx Xxxxxx xxx xxxxxx xxxxxxxxxxx xxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxxx xxxx xx xxxxxxxxxx xXXX Xxxxxxxx xxx x.x.xxxx, X xxxxxxxxxXxX xxxx.

XXXXXXXXX: Xxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxx xxxxx Xxxxxxxxxxxx xxxxxxxxxx, xxx xxx Xxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxx xxxxx, xxx xxxx xxxxxxxxxxxx. Xxx Xxxxxxxxx xxxx xxxxxxxxx xxx Xxxxxxxxxxxxxx xxxxxxxxx, xxxxx xxxxxx xxx Xxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxx xXXXxXxxxxx xxx xx.xx.xxxx, XXxXx. xxxx XX X. xxxx.

6. Fondsgebundene Lebens- oder Rentenversicherung

Xxx Xxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx xxx xxxx xxxxxxxxx Xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxx. Xxxx xxxx xxx Xxxxxxxxxx xx Xxxxxxxxxxxxxxx xxxxxxxx. Xxx Xxxxxxxxxxxxxxxxxxxxx xxxx xxxxx xxxxxxxxxxxxxx xxxxxxxx, xxx xxx Xxxxxx xxx Xxxxxxxxxxxxxxxx xxxx xxxxx xxxxxxxxxxx Xxxxxxxxxxxx, xxxxxxx xxx Xxxxxx xx Xxxxxxxxxxxxxx xxxxxxxxxx. Xxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxxxxx xxxxxxxx xx xxx Xxxxxxx xxx Xxxxxxx xxx Xxxxxxxxxxxxxx. Xx Xxxxxxxxx xxxx xxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxx xxxx. Xxxx xxxx xxxx xxxx xxx xxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx.

Xxx Xxxxxxxxx xxxx xxxx xxxxx xxx Xxxxxxxxxxxxxx xxxxxxxxx. Xxxx xxx Xxxxxxxxxxxxxx xxx xxxxx xxx xxxxxxxx Xxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxx xxx xx Xxx. x Xx. x Xxxx x XXxX xxxxx.

Xxxx xxx Xxxxxxxxxxxxxx xxx xxxxxxxxxxxx, xxxx

• xxx Xxxxxxxxx xxxxxxx xxxx xxxxxxxxxx x Xxxxx xxxxxxxxx xxxxxx xxxxxx Xxxxx xxx,
• xxx Xxxxxxxxxxxxx xxxxxxxxxx xx Xxxxx xxxxxxxx xxxxxx Xxxxx xxx,
• xxx Xxxxxxxxxxxxxxx xxxxxxxxxx xx x xxx Xxxxxxxxxxxxx xxxxxxxx xxxxxx Xxxxx xxx xxx
• xxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxxx xxxxxx xxxxxx Xxxxx xxx.

7. Private Berufs- oder Erwerbsunfähigkeitsversicherung

Xxx xxxxxxxxxxxxxxxxxxx XxxxxxxxxxxxxxxxxxxxXxxxxxxxxxxxxxxxxx xxxx xx Xxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx. Xxx xxxxxx xxx xxx Xxxxxxxxxxxxxxxxx xxxx Xxxxxxx xxx xxxx xxxxxxxxxx xxxxxx xxx xxxxx xxxxxxxxx.

XXXXXXX: Xx Xxxxxxxxxxxxxxx xxx xxx XXxXxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxxxx xxxx, xxxx xxx xxxxxxxxxxxxxxxx Xxxxxxxxxxxxx xxxxx xxx xxxx xxxxxxxxxxxxxxxx Xxxxxxxxx xxxx xx xx XXxX, xxxxxxx xxx xxxx xxxxxxxxxxx Xxxxxxxxx xxxx xx xx XXxXX xxxxxxxxx xxxxxx xxxxxx.

Xxx xxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx xxxx xxxxxxxxxxxxxx Xxxxxxxxxxxx. Xxx xxxxx xxxx xxx Xxxxxxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxx xxx. Xxx Xxxxxxxxxxxxxxxx xxxxx xxx, xxxx xxx xxxxxxxxxxx Xxxxxx xxxxxxxxxxxxxx xxxx. Xxxx xxxx xxxxxxxxxx xxx xx Xxxxxxxxx xxxxxxxxx. Xxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxx xxx xxx Xxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxx xX xx XXxXx. Xxx Xxxxxxxxxxxxxxx xxxx xxx xxxxxxxxxxx Xxxxxxxxxx xx xxxxxxxxxx, xxxxx Xxxxxxxxxxxxx xxxx xx xx XXxXX xxxxxxxxx xxxx xxxxxx xxxxxx.

Xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxx xx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx, xxxxx Xxxxxxxxxxxxxxx xxx xxxxxxxxxxx Xxxxxxxxxx xxxx xx xx XXxXX xxxxxxxxxx xxxxxx xXXXxXxxxxxxxx xxx x.x.xxxx, XX xxxx X. xxxxx.

XXXXXXXXX: Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxx, xx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxxx Xxxxxxxx xxx xxxxxxxxx Xxxxxxxxxxxx, xxx xx Xxxxxxxxxxxx xxx xxxxx Xxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx, xxxx xx xxxxxx Xxxxx xxx Xxxxxxxxxxxxxx xxx xxx "xxxxxxxxx Xxxxxxxxxxx" xxxx xx xx XXxX xxxxxxxxx, xxxx xxxx xxx Xxxxxxxxxxxxxxxx xxx xxx xxx Xxxxxxxxxxxxx xxxxxxxxxxxxxxx xxxx xXXXxXxxxxxxxx xxx xx.xx.xxxx, XXxXx. xxxx X X. xxxx.

XXXXXXX: Xxxxxxxxx xx xxxxx XxxxxxxxxxxxxxxxXxxxxxxxxxxx xxxx xxxxx xxx Xxxxxxxxxxxxxx, xxxx xxxx xxx Xxxxxxxxxxxxxx xxxxxxxxx, xxxx xxxxx Xxxxxxxxxxxx xxx Xxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx XX X. xxxx.

8. Unfallversicherung

Xxx Xxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxx xxxx Xxxxxxxxxxx xxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxxx xxx xxxxx xxx xxxxxxxxxxxxx Xxxxxxx xxxxxxxxx. Xxxxxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxx xxxxxx xx Xxxxxxxxx xxx xxxxxxxxxxxx Xxxxxxxxx xxxxxxx xxxxx xxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxx. Xxxxx Xxxxxxxxxxxx xxxx xxxxxxxxxx xxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxx xxx xxxxx xxx xxxxxxxx Xxxxxxxxxxx xxxxxxxxxxxxxxxxx.

Xxx XxxxxxxXxxxxxxxxxxxxxxxxx xx xxxxx Xxxxxxxxxxxxxxxxxx xxxxxx xxx xxxxxx xxxx Xxxxxxx xxx xxxx xxxxxxxxxx xxxxxx xxx xxxxx xxxxxxxxx. Xxxx Xxxxxxxxxxxxxxx xxxxx Xxxxxxxxx xxx xxxxx xxxxxxxxxx.

Xxx "xxxxxxx" Xxxxxxxxxxxxxxxxxx xxx xx Xxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxx. Xxx xxxxxxxxxxxxxxxxxx xxxxxx xxxxxxxxxxx xxxxxxxxxxx xxx xxx Xxxxxxxxxx xxx Xxxxxxxxx xxxxxxxxxx. Xxx xxxxx xxxxxx xxx Xxxxx, xxxx xxx xxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx xxxxxxxxx xxxxxxxxx xx xxxxxx. Xxx xxxxxxxxxxx xxxxxx xxx xxxxxxxxxx, xx xx xxxxx xxxxxxxx xxx Xxxxxxxxxxxx, xxxxxxx xxxxxxxx xxxxx xxxxxxxxxx Xxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxx xxxx. Xxx Xxxxxx xxxxxx xxxx xxxxxxxxxx xxxxxxxxxxxxxxx.

9. Folgen bei steuerschädlichen Lebensversicherungen

Xxxxxxxx xxxx Xxxxxxxxxxxxxxxxxx xxxxx xxx Xxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxx, xxxx xxx xxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxxxxxxx Xxxxxx xxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxxx xxx "Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxx" xx xxxxxxxxxx xxx xx Xxx. x Xx. x XXxX xxxxx.

XXXXXXXXX: Xx xx Xxxxxxxxxxxx xxx xx Xxxxxxxxxxxxx xx Xxxxxxxxxxx xxxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxx xxxx, xxx xxx xxxxx xxxxxxxxxxx Xxxxxxxxx xxxxx xxx xxxxxxx xxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxx. Xxxxxx xxxxx xxxxxxxxxx Xxxxxxx xxx Xxxxxxxxxxxx xxxxxxxx xxxxx xxxxxxxxxxxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. x.xx XXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx XX X. xxxx.

Xxx Xxxxxxxxxxxxx xxxxxxxx xxxxx xxxxxxxxx xxx xxx Xxxxxxxxxxx xxx Xxxxxx, xxxxxxx xxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx. Xxxx xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxx xxx xx x xxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxx xxx xx Xxx. x Xx. x xxx xx xxx Xxx. x Xx. x XXxX xxxxx.

XXXXXXXXX: Xxx Xxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxxx, xxxx xxxx xxx Xxxxxxxxxxxxxxxxxxxxx xx xxxx xxxxxx Xxxxxx xxxxxxxxx xxxx. Xxx Xxxxxxxxxxx xxxx xxxxxxx Xxx xxxxxxxxx xxxxxxxxxx, xxxx Xxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxx. Xx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxx, xxxxxx xxx xxx Xxxxx xxx xxxxxxxxxxxxxxxxx Xxxxxxx xx.

Xxxxxx xxx xxxxxxxxxxxxxxxx Xxxxxxxxxxxxx x xxxxxxxx xxx Xxxxx xxxxxxx Xxxxxxxxxxxxxxxx x xxxxxx xxx xxx xxx Xxxxxxxxxxxxxxxx xxx xxx XxxxxxxxxxxxxxxXxxxxxxxxxxx, xxxxxxx Xxx xxx Xxxxxxxx xx Xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xx xxx "Xxxxxx XXX" xxxxxxx. Xxx xxxxxx xxxx xxx Xxxxx xxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxx. Xxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxx xxx Xxxx Xxxxxxxxxxxx xxxxxxxxxxx. Xxxx xxxxxxx Xxx xxx Xxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx. Xxxxxx Xxx Xxxxxxxxxx xxxxxx xxx xx x xxx, xxxxxxx Xxx xxx xxxxx Xxxxxxxxxxxxxxxxx xxxxxxx, xxx xx xxxxxxxxx, xxxxxxx Xxx xxxx xxxxx xxxx Xxxxxxxxxxxxxxxx xxxxxx.

10. Änderungen des Versicherungsvertrages

Xxxxx Xxxxxxxxxxxxxxxxxxxxxx xxxxxx xx Xxxxx xxxxx xxxxxx "Xxxxxx" xxxxxxxxx: Xxx Xxxxxxxxxxxxxxxxxx xxxx xxxxxxxxxxx xxxx xxxxxxxxxxxx, xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxx xxxx xxxxxxxxx, xxx Xxxxxxxxxxxxxxxxxxxxxx xxxxxxx xxxx xxxxxxxxxx. Xxxxxx Xxxxxxxxxxxx xxxxx xxxxxx Xxxxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxx

Bei Vertragsabschluss vereinbarte Vertragsanpassungen

Xxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxx, xxx xxxxxxx xxx Xxxxxxxxxxxxxxxxx xxxxxxxxxx xxxxxx. Xxxxxxxxx xxxxxxxxxxxx xxx xxxx xx Xxxxxxx xxxxxxxxxxxx Xxxxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx, xxxx

• xxx Xxxxxxxxx xxxxxxxxxxx x Xxxxx xxxx Xxxxxxxxxxxxxxxxx xxxxxxx,
• xxx Xxxxxxxxxxxx xxx Xxxxxxxxx xxxx xxx xxxxxxx Xxxxxxxxx xxxx xxxxxxxxxx x Xxxxx xxxxxxxx,
• xxx Xxxxxxxxxxx xx Xxxxxxxxxxxx xxxxx xxxx xxx xx x xxx xxxxxxxx xxx xxxxxxxx Xxxxxxxxxxxxxxxx xxxxx xxxx xxx xx x xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxxx
• xxx Xxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxx xx Xxxxxx xxxxxxx xxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xxx.

Dynamisierung des Beitrages

Xxxxxxxxxxxxxxxxxx xxxx xxxxxx Xxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxx Xxxxxxxxxxxxx xxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxx, xxxx xxx xxxx xxx xxxxxxx Xxxxxxxxxxxxx xxxxxxxxxxxxxxxx Xxxxxxxxx xxxxxxxxxx xxx, x. X. xxxxxx Xxxxxxxxxxx xxxx xxxxxxxxxx Xxxxxxxxx xxxxxxxxxxxx xxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx. Xxxxx xxxxx xx xxxxx xxx xxx Xxxxxxxxxxxx xx.

Xxxxxx xxxxx xxx. Xxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxx xxxxxxx xxx Xxxxxxxxxx xxxxxxxx xxxx, xxx xxxx xxxxxxxxxx xxxx xx xxxx xxxx Xxxxxxxx, xxxx xxx Xxxxxxxxxxxxxxxxx xxx Xxxx xxxxx xxxx xxx xx x xxx xxxxxxxxxx Xxxxxxxxx xxxxxxxx. Xxxxx xxxxxx xx xxxxx Xxxxx, xx xx Xxxxxx xxx Xxxxxxxxxxx xxxx xxx xxxxxx Xxxxxx xxxxxxxxxx xxxx xXXXxXxxxxxxxx xxx xx.xx.xxxx, XXxXx. xxxx X X. xxxxx.

Xxxx xx Xxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxx xxx xxxx xxx xx x xxx xxxxxxxxxx Xxxxxxxxx xxx xxxxx xxxx xxxxxxxxxxxx, xxxx

xxxx xxxxxxxxxx Xxxxxxxxxxxxxxxxx xxxxx xxxx xxx xxx XXX xxxxxxxx xxxx

xxxx Xxxxxxxxxxxxx xxx xxx xxxxxxxx Xxxx xxx Xxxxxxxxxxxxxxxx xxx xxxxx xxxx xxx x.xxx XXX xxxxxxxxx xxxx xxx xxx xx xxxxxx Xxxx xxx Xxxxxxxxxxxxxxxx xx xxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxx xx x xxxxxx Xxxxxxxx xxxxxxxx xxxx

xxxx xxxxxxxx Xxxxxxx xxxxx xxxxxx xxx, xxx xxx Xxxxxxx, xxx xxxx xxx xxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxx xx xx x xxxx Xxxxxxxxxxxxxxxxx xxxxxxx xxxxxx.

Zusammenfassung mehrerer Verträge

Xxxxxxxxxxxxxxxxxx xxx xxxxxxxxx xxx Xxxxxxxxxxxxxxx xxxxxxxx Xxxxxxxxxxxxxxxxxxxxxx xx xxxxx Xxxxxxx, xxxx

• xxx xxxxxxxxxxx Xxxxxx xxx xxxxx Xxxxxxxxxxxxxx xxxxxxxxx xxx,
• xxxx Xxxxxxxxx xxxx xx xx Xxx. x Xx. xx XXxX xxxx xxxxxxxxxxxxxxxxx xxxx xxx
• xxx xxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxx xxxxx xxx xxxxxxxxx Xxxxxxxxxxxxxxx xxxx xxxx xxx Xxxxxxxxxxxxxxx xxxxxxxxxxx xxxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. x.x.xx.

Teilung eines Vertrages bei Scheidung

Xxxx xxxx Xxxxxxxxxxxxxxxxxx xx Xxxx xxxXxxxxxxxxxxxxxxx, xxx xxxxx Xxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx x xxxxxxxxx xxxx xxx xxxxxx xxxxxxxxx Xxxxxxxxxxxx. Xxxx xxxx xxx xxxxxxxxxxxx Xxxx xxxx xx xxxxx xxxxxxxxxxxx Xxxxxxxxx, xxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxxx xxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xxx.

Umwandlung

Xxxx xxxxx xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xx. X. Xxx xxx Xxxxxxxxxxxx xxxx Xxxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xx xxxx Xxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxx xxxxxxxxxxx, xx xxx xxxx xxxxxxxxxxxxxxxxxx. Xxxxxxxxxxxxx xxx, xxxx xxx Xxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxx xxxxxxxxxxxx xxxxxxx.

Xxxx xxx Xxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxx xxxxx "xxxxxxxxxxxxxxx" Xxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxxxxx xxxxxx xxxxx xxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxx xxx.

Änderungen wegen Zahlungsschwierigkeiten

Xxxxxx Xxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxxx xxx Xxxxxxxxx xxxxxxxxx, xxxxxxx Xxx xxxxxxxxx xxxxx Xxxxx xxx x Xxxxxx xxxx Xxxxxxxxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxxxxxxxxx xxx xxx Xxxxx xxx xxxxxxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx xxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxx. Xxxx xxx xxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxxxx.

Xxxxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxxx xxxxxxxxxxx xxxx, xx xxx xxxx xxxx xxxxx xxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xx xxx xxx.

Nachträgliche Vertragsänderungen

Xxx xxxxxxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxxxx xxx xxxx Xxxxxxx xxxxxx xxxxxxxx, xxx xxx xxx xxxxxxxxxxx xxxxxx xxxxxxxxxx xxx xxxxx Xxxxxxx xxxxxxxx:

• Xxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxx xxxx xxxxxxx xx. X. Xxxxxxxxxxx xxx Xxxxxxxx xxxx Xxxxxxxxxxxxx, Xxxxxxxxx xxx Xxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxx, xx xxxx xxxxxxxxxx xxx xxxxxxxxxx Xxxxxxx xxx "xxxxx Xxxxxxx", xxx xxxxxxxxxxxx xxxxxxxxxxxx xxxx. Xxx "xxxx Xxxxxxx" xxx xxxxxxxxxx xxxxxxxxxxx, xxxx xxx Xxxxxxxxxxxxxxxx xx xxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxx xxxxxxxxxx xx Xxxxx xxxxxxxx. Xxxx xxxxxx xx xxxxx Xxxxx, xx xxx Xxxxxxxxxxxxxxxxx xxxxxxxxx xxx xx Xxxxxx xxxx xxxx xxxxxx xxxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xxx.
• Xxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxx xxxx xxxxxxx xx. X. Xxxxxxxxxxxxx xxx Xxxxxxxx xxxx Xxxxxxxxxxxxx, Xxxxxxxxx xxx Xxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxx, xxxxxx xxxxxxxxxx xxx "xxxx Xxxxxxx" xxxxxxxxxxxx xxxxxx. Xx xxx xxxxxxxxx xxxxxxxxxxxxxxxxx, xxxx xxx Xxxxxxxxxxxxxxxx xx xxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxx xxxxxxxxxx xx Xxxxx xxxxxxxx.

Xxx xxx Xxxxxxxxxxxxxxxxxxxx, xxx xxx xxx xxxxxxxxxxxxx xxx. xxxxxxxxx Xxxxxxxxxxx xxxxxxxxx, xxxxxx xxxxxxxxxx xxx xxxxxxxxxxx "xxxxx Xxxxxxx" xxxxxxxxx. Xxxxxx Xxxxxxx xxx xxxxxxxxxxx, xxxx xx xxx xxxxxxxxxxxx Xxxxxxxxxxxxxxx xxxxxxxx, xxxx Xxxxxxxxxxxx xxx xxxxxxxxxx xx Xxxxxx xxx xxxxxxxx Xxxxxxxxxxxxx xxx xxxxxxxxxx x Xxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xxx.

Xxxxxxxx:
Xxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxxx xx.xxx XXX xxxx xxx xx.xxx XXX xxx xxxxxxxxxxxx xxxxxxxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxxx. Xxx Xxxxxxxxx xxxx xxx xxxxxxxxxxxxxxx Xxxxxxx xxxx xxxxxxxxx xxx Xxxxxxxxxxxxxx xxxxxxxxx xxx xxx Xxxxxxxxxxxxxx xxx xxxxxxxxxx.
Xxxx xxx xxxxx Xxxxxxx xxxx xxxxxxxx xxxxxx, xx xxx Xxxxxxxxxxxx xxxxxxxxxx xx Xxxxx xxxxxxxx. Xxx xxxx xxx Xxxx, xxxx xxx Xxxxxxxxx xxxxxxxxx xxx xxx Xxxxxxxxxxxxxx xxxxxxxxxx. Xxxxxx xxxxx Xxxxxxxxx xxxxx xxxxxxxx xxx, xxxxxxx xxx xxxxxxxxxxxxxx Xxxxxxxxx xxxxx xxxxxxxxx xxx xxx Xxxxxxxxxxxxxx xxxxx xxxxxxxxxx xxxxxxxxxxx xxxxxx.

• Xxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxx xxx. xxxxxxx xxx xxxxxx xxxxxxxxxxx xxx. xxxxxxx, xxx xxxxxxxxxx xxx xxxxxxxxxxxx xxx xxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxx xxxxx "xxxxx Xxxxxxx" xxxxxxxxxx. Xx xxxxxxxx xxxx xxx xxxxxxxxx "xxxx Xxxxxxx" xxxxxxxxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xxx.

XXXXXXXXX: Xxx xxxxx xxxxxxxxx xxx Xxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxx xxxxxxxxxxxxxx xxxxx xxx xxxxx xxxxx Xxxxxxx xxx xxxxxxxx xxxxx xxx xxxxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxx. Xxxxx xxx xxx xxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxxxx xxx xxx Xxxx xxxx xxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx. Xxxxxxxxx xxxxxxxxxxxxxxxxxx xxx xxx xxxxxxxxxxxx xxx Xxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxx, xxxx xxxxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxx, xxxxxxxxxxxxxx xxxx xxxxxxxxxxxxxxxxxxx Xxx xxxxxxxx xxxxxx. Xxxxxxxxxxx Xxxx xxx xxx Xxxxxxxxx xxxxx Xxxxxxxxxxxx xxx Xxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxxxx. Xxxx xxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxx xxxxx xx xxxxx xxxxx Xxxxxxx xXXXxXxxxxxxxx xxx xx.xx.xxxx, XXxXx. xxxx X X. xx, Xx. xxx.

11. Alternativen zur Kündigung einer Lebensversicherung

Xxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxx xx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxx. Xxxx xx xxx Xxxxxxxx xxxx xxx, xxxxxxxxx xxxxx Xxxxxxxxxxx xxxx Xxxxxxxxx xxxxxxxxx: Xxxxxxxxx, Xxxxxxxxxxxxxxxx, Xxxxxxx xxxx xxxxxxxx Xxxxxxx.

Xxx xxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx, xxxx xxxx xxx xxx xxxxxxx Xxxxxxxxxxxxxxx xxxxxxxxx xxxxx. Xxxxxxxxxxxxxx xxxx xxxxxxx, xxxx xxx Xxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxx xxxxxxxx, xxx xxxxxxxxxxx Xxxxxxxxxx xxxxx xxxx xx xxxxxxx Xxxxxxx xxx Xxxxxxxx xxxxxxxx xxx xxx xxxxxxxx Xxxxxx xxx Xxxxxxxxxxxxxxxxx xxxx xx Xxxxxxxxxxxx xxxxxxxxxxx xxxx. Xxxxx xxxx xxx xxxxx Xxxxxxxxx xxx Xxxxxx xxx xx Xxxxxx xxx Xxxxxxxx xx xxxxxx Xxxxx xx xxxxxxxxxx.

Xxxxx xxxxx xxxxxxxxxxx Xxxxxxxxxx xxxxxx xxxx xxxxxxxx Xxxxxxxxxxxx:

• Xxxxxxxxxx xx xxxx xxxxxxxxxxxxx Xxxxxxxxxxxx: Xxx Xxxxxxxxxxxxxxxxxx xxxx xxx xxxx xxxxxxxxxxxxx Xxxxx xxxxxxxxxxxx, xxx xxxx xxx Xxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxxx. Xxx Xxxxxxx xxxxxx xxxxxxxx, xxx Xxxxxxxx xxxxx xxxxxxxxxx xxx xxx Xxxx xxx Xxxxxxxx xxxx.
• Xxxxxxxxxxxxxxxxxxx: Xxx xxxxxx xxx xxxxxxxxx Xxxxxxxxx xxxxxxxxxx xxx xxx xxxxxxxxxxx xxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxx.
• Xxxxxxxxxxxxxxxx: Xxx xxxxxxxxxxx Xxxxxxxxx xxxxxxx xxxxxxxxxxx xxxxxx.
• Xxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx: Xxx Xxxxxxxxx xxxxxx xxxxxxx xxxxxxxxx.
• Xxxxxxxxxx xxx Xxxxxxxxx: Xxxx Xxxxxxxxxxxxxxxxxxxx xxxx XxxxxxxXxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxx Xxx xxxxxxxxx xxx xxxxxxx xxx Xxxxxxxxx xxxxxxxxxx.
• Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx: Xxx xxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx xxxxxx xxx Xxxxxxxxx xxxxxxxxx.
• Xxxxxxx xxx Xxxxxxxxxxxxxxxxxx, x. X. xx xxx Xxxxx Xxxxxxxxx xxx Xxxxxxxx xXxxxxxx: xxxxxxxxxxxxx: Xxx Xxxxxx xxx xxxxxx xxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxx.

XXXXXXXXX: Xxx Xxxxxxx xxxxx Xxxxxxxxxxxxxxxxxx xxx xxx xxxx xxxx xxx Xxxxxx xxx xx Xxxxxx xxxxxxxxxxxxxxxxxx: Xxxxx xxxxxx xxxx Xxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxx xxxxxxxxxxx Xxxxxxxxx xxxxx xxxx xxxx xxx xxxxxxxx xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxx xxxxx xxx xxxxxxxxxxxx Xxxxxxxxx xxxxxxxxxx xxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xxx. Xx xxxx xxxxxx xxx Xxxxxxx xxxxx "xxxxx" Xxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxx xxxx xxx xxxx xxxxxxxxxx, xxxx xxx Xxxxxxx xxxx xxxx xxxxx Xxxxxxxxxxxxxxxx xxx xx Xxxxxx xxxxxxx.

12. Ertragsanteile bei lebenslänglichen Renten

13. Vorsicht Falle bei Verrentung - Steuerbescheide prüfen!

Xxx Xxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxx xxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxx xxxx xxx XxxxxxxxxxxxxxxxXxxxxxxxxxx xxxx xxxx xxxx xxxxxxxxx xxxxxxxxxx xxx xxxx Xxxxx xxxx xxx Xxxxxxxxxxxxxxx, xxxx

• xxx Xxxxxxxxxxxxxxxx xxxxxxxxxx xxxxxx Xxxxx xxxxxxxx,
• xxx Xxxxxxxxx xxxxxxx xxxx xxxxxxxxxx xxxxx Xxxxx xxxxxxxxx xxxxxx,
• xxx Xxxxxxxxxxxxxxx xxxxxxxxxx xx Xxxxxxx xxx Xxxxxxxxxxxxx xxxxxxxx xxx
• xxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxxx xxxxxx.

Xxxx xxxx xxxxx xxx xxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxx, xxxxxxx xxxx xxxxxxxxxxXxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx. Xxx xxxxxxxxxxxxxx Xxxxxxxxxxxxxx xxxx xxx xxxxxxx, xx xxx Xxxxxxxxxxxxxxxxxxxxx xxx Xxxxx xxxx xxx Xxxxxxxxxxxxxx xxxxxxxx xxxx. Xxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxx, xxxx xxx xx xxx Xxxxxxxxxxxxx xxxxxxxxxxx Xxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxx. Xxxx xxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxx xxxxxxxxx, xxxxxxx xxx Xxxxxxxxxxxxx xxxxxxxxxx, xxxx xxxxxxxxxxxXxxxxx x xxxx Xxxxxxx xxx Xxxxxxxxxxxxxxxx x xxx xxxxxxxxxXxxxxxxxxxxxxxxxxxxxxx "xxxxxxxx Xxxxxxxxxx" xxxx xx xx XXxX xxxxxxxxxxxxxxx. Xxx Xxxxx xxx Xxxxxxxxxxxxxx xxxxxxx xxxx xxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxx xx Xxxxxx xxx Xxxxxxxxxxxxx xXXXxXxxxxxxxx xxx x.xx.xxxx, XXxXx xxxx X X. xxxx Xx. xxx.

Xxxxxxx Xxxxx xxxx xxx xxx Xxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxx xxxxxxxxxxxx xxxxxxxxx xxx xxxxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxxxx, xxxx xxx xxxxx xxxxxxxxxxxxxxxxxxx xxxxxxxx Xxxxxxxxxxxxxxxxxx xxx Xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxXxxxxxxxxxxxxxx xxxxxxxxx xx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx xxx xxxxxx xxxxxxxxxxxxxx xxxxx xxx Xxxxxxxxxxx xxxxxxxxxxx. Xxx xxxxxxx xxxxxxx xxxx xxx Xxxxxx xxxxxxxxxx, xxxx xx xxxxx xx xxxxx Xxxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxx xxxxx xXXXxXxxxxx xxx x.x.xxxx, XXXX X xxxxx.

• Xxxx xxxxxxxxxxxxxxxx xxxxxxxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xx xxxxxxx, xx xxx xxx Xxxxxxxxxxxxxxxx Xxxxxxxx xxxxxxx xxxx xxxx xxxxx, xxxxx xxx Xxxxxxxxxxxxxxxx xxx xx xx Xxx. x Xx. x Xxxx x XXxX xxxx xxxxx xxx.
• Xxx Xxxxxx xxxx xxxxx xxxxxxxxxxx xx xxxxx Xxxxxxxxxxxxxxxx xxxx xxx xxx Xxxxxxxxxxxxx xxxxxxxxxxxxxxx xxxx xxx xxxxx Xxxxxxxxxx xxxx xxx Xxxxxxxxxxxxx xxxx xxxxxxxxxx xxxx. Xxx Xxxxxxx, xxxx xxx Xxxxxxxxxxxxx xxx xxxxxxxxxxxxx Xxxxxxxxxxxxx xXxxxxxxxxxxxx, xxxxxxxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxx xxxxxxxx, xxxxxxx xxxxxxxx xxxxxx xxxxx, xxxx xxx xxxxxxx Xxxxxxxxxxxxxx xxx xxxxx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxx xxx xxxxx xxx xxxxxxxxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxxx.
• Xxxx Xxxxxxxxxxxxxx xxxx xx xxxxxxxxxx xxxx: Xxx Xxxxxxxxxxxxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxx xxxxx xxx Xxxxxxxxxxx xx xxxxxxxxxxx,xxxxxx"xxxxxx xxx Xxxxx xxx xxxxxxxxxxxx Xxxxxxxxxxxxxx xxx xx xxx Xxxxxxxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxx xxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxxxx."xxxxxxXxxxx xxxxxxxx xxx xxx XXX, xxx xx xxxxxxxxx Xxxxxxxxxxxx xxxx xxxxxxxxxxxx xxx Xxxxxxxxxxxxxxx xxx Xxxxxxxxxxx xxx xx xxx Xxxxxxxxx xxxxxxxxxxx Xxxxxxxxxxx xx xxxxxxxx xxx: xxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxx xxx Xxxxxx xxxxxxxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxx xxxxx xxxx xxx xxxxxxxx Xxxxxxxxxx xxx xxx Xxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxx.

XXXXXXX: Xx xxxx xxxxxx xxxxxx xxxxxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxx xxx xxxxxxxx XXXxXxxxxx x xxxxxx xxxxxxxxx x xxxx xxxx xxxxx xxxx Xxxxxx xxxxx xxxxxxxx. Xxx xxxxxx: Xxxx xxx Xxxxxx xxxxx xxxx xxxxxxxxx xxx xxxxxxx Xxxxxxxxxxxx xxxxxx xxx Xxxxxx, xxx xxxxxxxxxx xxxxxxxxxx xxxxxxx xxxxxxxx, xxxxxxxxx xxxxxxxxx. Xxx xxxxx xxxx:

• Xxx Xxxxxxxxxxxxxxxxxxxx xxxxx xxxx xxxxxxxx xx xxx x.x. XXXxXxxxxxxxx xxx x.xx.xxxx xxxxxxxx xxx xxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxx Xxxxx x"xXxxxx"x xx, xxx xx xxx Xxxxxxxxxxxxxxxx x xxx xxxxx xxx xx xxx XXX x xxxxxxxx.
• Xxx Xxxxxxxxxxxx xxxxxxx xxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxx, xxx xxxxxx, xxxxxx xxxx xxx Xxxxxx xx xxx Xxxxxxxxxxxxxxxx xxx xxxxx xxxxxxxxxxx xxxxxx, xxxx xxxxx xxxxxxxx xxx XXXxXxxxxx xxxxxxxxxx xxxxxxx xxxxxxx, xxxxxx xxxxx xxxxxxxx xxx xx xxxxxxxx xXxxxx xxxxxxx xxxxxxxxxxx xxxxxxxxx xxx xxxxxxxxxx.
• Xxx Xxxxxxxxxxxxxxxx xxxxxx xxxxxxxxxxxxxx xxxxx xxx xxxxx Xxxxxxxxx xxxx xxx xxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxx xxxxxxxxxx xxxxxxx, xxxx xxx Xxxxxxxxxxxx xxxxxxxx xxx XXXxXxxxxx xxxxxxx.

XXXXXXXXX:xxxxxxXxxxxxxxxx xxxxxxx xxxx Xxxxxxxxxxxxxxx xxxx xxxxxxxxxx xxxxxxx xxx xx Xxxxxxxxx x xxxxx Xxxxxxxx xxx xxx xxxxxxxx XXXxXxxxxx x Xxxxxxxxx xxxxxxxx. Xxx xxxx xxxxxxxxxxx, xxxx xxxxxxxxxxx, xxxx xxxxx Xxxxx xxxxxxxxxxxx xxxxxxxxx xxxx. Xxx xxx xxxx xxxxx Xxxxxxxxxxx!

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