Lebensversicherungen: Erfreuliche Verbesserungen ab 2008

1. Anspruch auf Überschussbeteiligung

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2. Beteiligung an stillen Reserven

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3. Erhöhung des Rückkaufswerts

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4. Transparenz der Abschlusskosten

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5. Konkrete Regeln für die Überschussbeteiligung

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6. Regelung zur Mitteilungspflicht bezüglich Genuntersuchung

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7. Gesetzliche Grundlagen

a) Versicherungsvertragsgesetz (VVG)

§ 153 VVG - Überschussbeteiligung

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b) Verordnung über Informationspflichten bei Versicherungsverträgen (VVG-InfoV)

§ 2 Informationspflichten bei der Lebensversicherung, der Berufsunfähigkeitsversicherung und der Unfallversicherung mit Prämienrückgewähr

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§ 7 Übergangsvorschrift; Inkrafttreten

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c) Verordnung über die Mindestbeitragsrückerstattung in der Lebensversicherung (Mindestzuführungsverordnung)

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§ 1 Geltungsbereich

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§ 2 Alt- und Neubestand

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§ 3 Anzurechnende Kapitalerträge

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§ 4 Mindestzuführung zur Rückstellung für Beitragsrückerstattung

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§ 5 Reduzierung der Mindestzuführung

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§ 6 Übergangsvorschrift

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§ 7 Inkrafttreten, Außerkrafttreten

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d) Versicherungsaufsichtsgesetz (VAG)

§ 81c VAG - Missstand in der Lebensversicherung

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