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Conditions of the maximum guaranteed interest rate!

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In today's world, where economic conditions and interest rates are constantly changing, it is crucial to make the best provisions for the future early on. Maximum interest rate This is an important factor that you shouldn't overlook. Learn here why this interest rate increase is important for your financial future and how you can already benefit from the new conditions today.

What is the maximum guaranteed interest rate?

The maximum guaranteed interest rate is the highest interest rate that may be used to calculate pension and life insurance policies with guarantees. Currently, this rate is only 0.25 percent. However, a higher interest rate has a positive effect on the pension amount and the premium for your disability insurance. The higher the interest rate, the more favorable the terms for you.

Why is the maximum guaranteed interest rate being increased?

In light of rising interest rates and current economic developments, the maximum guaranteed interest rate is expected to increase to 1.0 percent from 2025. This would be the first increase since 1994. Experts consider this step necessary to combat inflation and enable more realistic calculations for insurance companies. The German Actuarial Association supports this measure, as it responds to current interest rate policies and the economic situation.

What are the effects of the increase and how can you benefit from it?

The increase in the maximum guaranteed interest rate has far-reaching consequences for your retirement savings and insurance. Here are some advantages:

More affordable guarantees and higher pensionsYour retirement savings products benefit from a higher interest rate. Guarantees become cheaper and annuity factors increase, leading to a higher pension.
Reduction of premiums for disability insuranceThe higher interest rate makes premiums for insurance policies such as disability insurance cheaper, while simultaneously improving coverage.
Future-proof conditionsWith the right advice, you can already benefit today from conditions that will only be available from 2025 onwards.

This way you can immediately benefit from the advantages.

The Badent & Klemm Consulting Network This allows you to benefit from the planned increase right now. If you decide on a pension solution in 2024, you can secure the improved conditions for 2025. This means for you:

Fixed interest rateYou benefit from the improved conditions without having to wait for the increase.
Documentation of the state of healthYour health status is "frozen", which gives you long-term advantages in terms of contribution amount.
Constant contributionsEven with increased coverage, the premium remains constant.

Example: Disability insurance 2024 vs. 2025

Let's take the example of Noah, who decides to take out disability insurance in 2024. Through the Guarantee of improved position Through the Badent & Klemm Consulting network, he secures the improved conditions for 2025 today. This means he receives higher monthly coverage for the same premium.

Noah's advantage:

2024: Coverage of 1,500 euros per month.
2025With rising pension conditions, it would be 1,650 euros per month.
Noah already receives these conditions today – for better protection and constant premiums.

Example: Retirement provision and pension increases through the maximum guaranteed interest rate

Alexa She has been saving for her retirement for years and, with a monthly contribution of €200, has accumulated €383,000. With a pension factor of €21, she receives a monthly pension of €805. With the increase of the pension factor to €24 from 2025, her pension would rise to €920 – an increase of €115.

Thanks to the Badent & Klemm Consulting network, Alexa can already benefit from these conditions. If she opts for an earlier contract, she will also benefit from... compound interest effect and even receives more pension and capital.

Your next step: Secure your benefits today

Don't wait until the increase in the maximum guaranteed interest rate officially comes into effect. Seize the opportunity and secure tomorrow's terms today. Schedule a consultation with the Badent & Klemm Consulting Network today and begin your journey to a financially secure future. „Save the interest“ instead of „Save the date“ – Benefit now from the advantages that a smart decision can offer you today!