HilfeHilfe
2021-06-20 09:07:29
- #1
Good morning everyone,
my wife has an old direct insurance policy from 2001 which is subject to §40b Income Tax Act.
It has now passed half of the payment phase. Capital upon cancellation approx. 33k; payout in 2045 upon suspension approx. 53k.
Now she has an employer who says we only want one provider in-house and our own tariff line. Our contract is Swiss Life, theirs is Nürnberger.
The broker advises to quietly suspend the SL and take out a new policy. An insurance acquaintance says to transfer the credit to Nürnberger. So far, we have also temporarily (approx. 7 months) paid the approx. €145 monthly contribution ourselves during unemployment.
Questions:
The insurance acquaintance also says yes, in SL you still have a good guaranteed interest rate, but if you invest the money on the capital market anyway, it beats Nürnberger.
Are there any other options? Does the company really not have to continue the old contract?
my wife has an old direct insurance policy from 2001 which is subject to §40b Income Tax Act.
It has now passed half of the payment phase. Capital upon cancellation approx. 33k; payout in 2045 upon suspension approx. 53k.
Now she has an employer who says we only want one provider in-house and our own tariff line. Our contract is Swiss Life, theirs is Nürnberger.
The broker advises to quietly suspend the SL and take out a new policy. An insurance acquaintance says to transfer the credit to Nürnberger. So far, we have also temporarily (approx. 7 months) paid the approx. €145 monthly contribution ourselves during unemployment.
Questions:
[*]Continue SL privately. Is it sensible due to taxation in retirement?
[*]Is transferring the credit to Nürnberger sensible?
[*]If you transfer, do you also lose §40b? Isn't this tax advantage huge compared to newer contracts?
The insurance acquaintance also says yes, in SL you still have a good guaranteed interest rate, but if you invest the money on the capital market anyway, it beats Nürnberger.
Are there any other options? Does the company really not have to continue the old contract?