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Ist eine Berufsunfähigkeitsabsicherung sinnvoll?

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Ursachen von Berufsunfähigkeit. Ursachen für die Leistungsverweigerung

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Ist eine Berufsunfähigkeitsabsicherung sinnvoll?

  1. 1. Herzlich Willkommen zur Online-Beratung! © Claudia Möller 2013 www.finesurance.de
  2. 2. Herzlich Willkommen zur Onlineberatung! Claudia Möller Fachwirtin für Finanzberatung (IHK), Dipl.-Ing. (FH) Architektur Fachberaterin für betriebliche Altersversorgung (febs) Tel.: 04102/454822 Fax: 04102/454823 cm@finesurance.de www.blog.finesurance.de  geboren 1970  verheiratet, 1 Sohn  Sozialversicherungsfachangestellte (Krankenversicherung) und Diplom-Ingenieurin für Architektur  seit 2002 in der Versicherungsbranche tätig  seit 2006 aktiv als Versicherungsmaklerin  Expertin für biometrische Risiken (Berufsunfähigkeit, Alter, Lebenszeit, Langlebigkeit) © Claudia Möller 2013 www.finesurance.de
  3. 3. Berufsunfähigkeitsabsicherung »Die meiste Zeit denke ich an die Zukunft, denn in ihr verbringe ich den Rest meines Lebens.« Bill Gates © Claudia Möller 2013 www.finesurance.de
  4. 4. Berufsunfähigkeitsabsicherung zum Thema Berufsunfähigkeitsabsicherung Hamburg: http://www.vzhh.de/versicherungen/30457/berufsunfaehigkeitsversicherung-wichtig-fuer-alle.aspx Bayern: http://www.verbraucherzentrale-bayern.de/Berufsunfaehigkeit-verkannte-Gefahr © Claudia Möller 2013 www.finesurance.de
  5. 5. Pressestimmen © Claudia Möller 2013 www.finesurance.de
  6. 6. Pressestimmen © Claudia Möller 2013 www.finesurance.de
  7. 7. Pressestimmen © Claudia Möller 2013 www.finesurance.de
  8. 8. Pressestimmen © Claudia Möller 2013 www.finesurance.de
  9. 9. Erwerbsminderungsrente © Claudia Möller 2013 www.finesurance.de
  10. 10. Erwerbsminderungsrente © Claudia Möller 2013 www.finesurance.de
  11. 11. Erwerbsminderungsrente Durchschnittliche Rentenzahlbeträge bei Rentenzugängen wegen Erwerbsminderung. Quelle: Statistik der Deutschen Rentenversicherung, Jahrgänge 1996 und 2007 © Claudia Möller 2013 www.finesurance.de
  12. 12. Ursachen für Erwerbsminderung Herz-/ Kreislauferkrankungen 6,1% Frauen 2007 Sonstige 16,1% Nervenerkrankungen 6,8% Krebs 15,3% Männer 2007 Psychische Erkrankungen 39,7% Skelett, Muske ln oder Bindegewebe 16% Sonstige 20,8% Herz-/ Kreislauferkrankungen 14,2% Krebs 13,9% Psychische Erkrankungen 28,7% Skelett, Muske ln oder Bindegewebe 16,4% Nervenerkrankungen 6% Frauen 2010 Nerven, Sinne 5,8% Herz-/ Kreislauf 13,7% Sonstige 14,6% Skelett, Muske ln 15% Psychische Störungen 33,4% Krebs 13% Nerven, Sinne 6,3% Männer 2010 Herz-/ Kreislauf 5,9% Stoffwechsel 3,2% Skelett, Muske ln 14,3% Sonstige 11,1% Psychische Störungen 45,6% Krebs 13,6% Skelett, Muske ln 4,5% Quelle: Deutsche Rentenversicherung Bund © Claudia Möller 2013 www.finesurance.de
  13. 13. Erwerbsminderungsrente Sozialstaat: Das ist die Realität! © Claudia Möller 2013 www.finesurance.de
  14. 14. Ursachen für Berufsunfähigkeit Psychische Erkrankungen und Nervenkrankheiten haben in den letzten Jahren am stärksten zugenommen. © Claudia Möller 2013 www.finesurance.de
  15. 15. Wahrscheinlichkeit der Berufsunfähigkeit Wahrscheinlichkeit, bis zur Rente mit 65 berufsunfähig zu werden nach Altersgruppen Wahrscheinlichkeit der Berufsunfähigkeit 50% 43% 40% 41% 38% 37% 39% 35% 34% 29% 30% 20% 10% 0% 20-Jährige © Claudia Möller 2013 30-Jährige 40-Jährige 50-Jährige www.finesurance.de
  16. 16. Gründe für die Nichtzahlung einer Leistung Ablehnungsgründe Ausschlussklauseln 2% Sonstige Gründe 14% Verletzung der vorvertraglichen Anzeigepflicht 15% Nichterreichung 50% BU-Grad 27% keine Reaktion des Kunden 30% Anfechtung bzw. Betrugsfall 9% Abstrakte Verweisung 1% Konkrete Verweisung 2% Quelle: MORGEN&MORGEN GmbH, 2/2010 © Claudia Möller 2013 Deshalb: Machen Sie das NIE alleine! www.finesurance.de
  17. 17. Berufsunfähigkeitsabsicherung Die Wahl der passenden Berufsunfähigkeitsabsicherung: eine Entscheidung fürs Leben. Genau wie die des richtigen Versicherungsmaklers. © Claudia Möller 2013 www.finesurance.de
  18. 18. Weitere Informationen erhalten Sie hier: www.finesurance.de http://www.youtube.com/user/MoellerClaudia http://www.pinterest.com/claudiamoeller/ https://www.xing.com/profile/Claudia_Moeller http://twitter.com/claudiamoeller http://www.facebook.com/finesurance www.blog.finesurance.de © Claudia Möller 2013 www.finesurance.de

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