Continuation of old direct insurance from 2001

Since these no longer exist, they can no longer be concluded with the new employer, but only the new compensation conversion

Do I understand your statement correctly that a new contract would have to be concluded when changing employers? It is an ongoing contract that is supposed to be continued, or am I mistaken?

Do I understand your statement correctly that there would have to be a new contract when changing employers? It is an ongoing contract that is supposed to be continued, or am I mistaken?

hello the new company has a different insurance company in-house. That means either porting and acceptance of the new contract conditions as well as the elimination of 40b or a new contract under new conditions. That is only possible from 2022 anyway because of the probationary period. From 2022 there is also no more guaranteed interest rate (?)

That is all true, but for reasons of return, I personally would not increase privately, because the big advantage from my point of view is the tax consideration of 40b. Better to leave it contribution-free and look for something else.

Hi, why not? The contract is 21 years old. If you pay the agreed contribution privately, it is not an increase and you maintain the guaranteed interest rate from back then.

Hi why not? The contract is 21 years old. If you pay the agreed contribution privately, then it is not an additional payment and you maintain the original guaranteed interest rate

How high is the guaranteed rate in your contract? And also consider the total interest rate. For example, mine (contract from 2004) guarantees 3.25% - including profit participation currently 3.7%. That's okay, but would be too little return for me for private funds.

first, the private deposits are kept separate and no health insurance contribution will be due on them later. Second, the health insurance contribution is calculated differently than you stated. Third, the health insurance contribution can be deducted from taxes or even completely avoided

Hi thank you for the valuable tip. Is the insurance company obliged to do that?

How high is the guarantee in your contract? And also think about the total interest. For example, in my case (contract from 2004) it is guaranteed 3.25% - including surplus participation currently 3.7%. That's okay, but it would be too little return for me for private funds.

well, it is a passive investment after all. I don't need to take care of anything