{"id":3843,"date":"2024-03-12T15:24:58","date_gmt":"2024-03-12T14:24:58","guid":{"rendered":"https:\/\/b-k-consulting.com\/uncategorized\/auf-druck-der-finanzaufsicht-bafin-erstattet-generali-kunden-kosten-zurueck\/"},"modified":"2026-03-30T12:31:05","modified_gmt":"2026-03-30T10:31:05","slug":"under-pressure-from-the-financial-supervisory-authority-bafin-generali-is-reimbursing-customers-for-costs","status":"publish","type":"post","link":"https:\/\/b-k-consulting.com\/en\/versicherungstipps\/auf-druck-der-finanzaufsicht-bafin-erstattet-generali-kunden-kosten-zurueck\/","title":{"rendered":"Under pressure from the financial supervisory authority BaFin, Generali is reimbursing customers costs"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":7754,"menu_order":5,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[11],"tags":[2038,2045,2039],"class_list":["post-3843","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versicherungstipps","tag-existenzschutz","tag-jannis-klemm","tag-philipp-badent"],"acf":{"header_address.Content":"","header_opening_hours.Content":"","header_phone_number.Content":"","child_entity.Value":"","001_page_meta.page_image10.Id":null,"001_page_meta.page_image9.Id":null,"001_page_meta.page_image8.Id":null,"001_page_meta.page_image7.Id":null,"001_page_meta.page_image6.Id":null,"001_page_meta.page_image5.Id":null,"001_page_meta.page_image4.Id":null,"001_page_meta.page_image3.Id":null,"001_page_meta.page_image2.Id":null,"001_page_meta.page_image1.Id":null,"0001_website_meta.site_logo.Id":479,"galleries_enabled.Value":"true","multi_language_maps_enabled.Value":"false","001_page_meta.featured_image_mobile.Id":7754,"001_page_meta.featured_image.Id":7755,"001_page_meta.content_image_3.Id":null,"001_page_meta.content_image_2.Id":null,"001_page_meta.content_image_1.Id":null,"parent_entity.Value":"Existenzschutz","type_entity.Value":"Versicherungstipps","0001_website_meta.site_logo_inverted.Id":null,"02_hero_content.hero_image3.Id":486,"02_hero_content.image_hero_content3.Id":null,"02_hero_content.image_hero_content2.Id":null,"02_hero_content.image_hero_content1.Id":null,"heading_hero_benefit3.Content":"","heading_hero_benefit2.Content":"","heading_hero_benefit1.Content":"","heading_hero_slider.Content":"Unsere Partner","02_hero_content.hero_image8.Id":483,"02_hero_content.hero_image7.Id":484,"02_hero_content.hero_image6.Id":485,"02_hero_content.hero_image5.Id":487,"02_hero_content.hero_image4.Id":2535,"top_heading_hero.Content":"Ma\u00dfgeschneiderte L\u00f6sungen f\u00fcr Investment, Versicherung und Finanzen","02_hero_content.hero_image2.Id":488,"02_hero_content.hero_image1.Id":482,"hero_content_form_benefit2.Content":"","hero_content_form_benefit1.Content":"","hero_content_form_benefit3.Content":"","hero_content_form.Value":"","hero_gallery_enabled.Value":"false","main_heading_hero_cta.Value":"\/kontakt","main_heading_hero_cta.Attribute":"Kontakt","sub_heading_hero.Content":"Versicherungstipp zum Thema Existenzschutz","main_heading_hero.Content":"Auf Druck der Finanzaufsicht Bafin erstattet Generali Kunden Kosten zur\u00fcck","subheading_contact_form.Content":"Jetzt Termin vereinbaren","contact_area_contact_form_phone_text.Content":"","contact_area_contact_form_name_text.Content":"","contact_area_contact_form_message_text.Content":"","contact_area_contact_form_mail_text.Content":"","contact_area_contact_form_button_text.Content":"","contact_form.Value":"1","contact_address.Content":"
Bergstrasse 31<\/div>\n
69469 Weinheim<\/div>","opening_hours.Content":"Mo. - Fr.: 08:00 - 19:00
Sa.: 08:00 - 17:00","map.Value":"","heading_contact_form.Content":"Kontakt","telephone.Value":"tel:\/\/+49 176 20926838","e-mail.Value":"mailto:info@b-k-consulting.com","e-mail.Attribute":"info@b-k-consulting.com","calendly_enabled.Value":"false","contact_image_enabled.Value":"","contact_maps_enabled.Value":"","calendly_url.Value":"","calendly_url.Attribute":"","online_form_name.Content":"","online_form_source.Value":"","testimonial3_customer.Content":"","04_social_proof.testimonial1_image.Id":null,"04_social_proof.testimonial2_image.Id":null,"04_social_proof.testimonial3_image.Id":null,"04_social_proof.google_places_review_image.Id":null,"04_social_proof.social_proof_background_image.Id":null,"heading_social_proof.Content":"","google_places_id2.Value":"","google_places_id.Value":"","testimonial1_customer.Content":"","testimonial1_text.Content":"","testimonial2_customer.Content":"","testimonial3_text.Content":"","testimonial2_text.Content":"","custom_reviews_enabled.Value":"","anwalt_de_widgetcode.Value":"","anwalt_de_enabled.Value":"","google_places_enabled.Value":"","google_places_reviews_enabled2.Value":"","google_places_reviews_enabled.Value":"","google_places_review_url2.Value":"","subheading_social_proof.Content":"","google_places_review_url.Value":"","social_proof_enabled.Value":"true","social_proof_disclaimer.Content":"","benefit_1_text.Content":"","05a_benefit_area.benefit_3_image.Id":null,"05a_benefit_area.benefit_2_image.Id":null,"05a_benefit_area.benefit_1_image.Id":null,"05a_benefit_area_enabled.Value":"true","benefit_heading_enabled.value":"false","benefit_heading.Content":"","benefit_3_text.Content":"","benefit_3_heading.Content":"","benefit_3_icon.Id":"","benefit_2_text.Content":"","benefit_2_heading.Content":"","benefit_2_icon.Id":"","benefit_1_icon.Id":"","benefit_1_heading.Content":"","benefit_1_widgetcode.Content":"","benefit_2_widgetcode.Content":"","benefit_3_widgetcode.Content":"","intro_heading.Content":"Die Bafin fordert die Generali dazu auf, eine
Kostenr\u00fcckerstattung f\u00fcr die Kunden von fonds-
gebundenen Lebensversicherungen zu leisten.","intro_text.Content":"
Die Bafin hat in den vergangenen Monaten Lebensversicherer unter die Lupe genommen, bei denen die Kosten f\u00fcr Kunden als zu hoch<\/strong> angesehen werden. Medienberichten zufolge hat die Bafin die Generali Leben nun dazu aufgefordert, Kunden eine R\u00fcckerstattung von Teilen dieser Kosten anzubieten.<\/div>\n
\u00a0<\/div>\n
Die Generali Leben erstattet<\/strong> Kunden, die zwischen 2021 und 2023<\/strong> eine fondsgebundene Lebensversicherung<\/strong> abgeschlossen haben, \u00fcberh\u00f6hte Kosten<\/strong> zur\u00fcck. Dies erfolgt durch eine nachtr\u00e4gliche Erh\u00f6hung der \u00dcberschussbeteiligung an den Fondsguthaben um pauschal 0,7 Prozent. Diese Ma\u00dfnahme soll auch f\u00fcr Neuabschl\u00fcsse ab 2024 und in den kommenden Jahren gelten. Offenbar reagiert das Unternehmen auf Druck der Bafin, die die Geb\u00fchren als zu hoch eingestuft hat. Dies geht aus einem Bericht der \"S\u00fcddeutschen Zeitung\" unter Berufung auf Branchenkreise hervor. Weder die Generali noch die Bafin haben sich dazu gegen\u00fcber der Zeitung ge\u00e4u\u00dfert.<\/div>","intro_gallery_enabled.Value":"false","05a_content_intro_enabled.Value":"true","overview_heading.Content":"","overview_text.Content":"","overview_cta_lead_in.Content":"","overview_cta.Attribute":"","overview_cta.Value":"","05b_content_overview_enabled.Value":"true","detail_heading_opt2.Content":"NO_SHOW","05c_content_detail.image_product5.Id":null,"detail_text_opt2.Content":"NO_SHOW","detail_call_to_action_enabled.Value":"false","detail_slider_enabled.Value":"false","detail_heading.Content":"Hintergrund","detail_text.Content":"
Im Mai 2023 ver\u00f6ffentlichte die Bafin die finale Version ihres \"Merkblatts zu wohlverhaltensaufsichtlichen Aspekten bei kapitalbildenden Lebensversicherungsprodukten\". Ziel ist es, die Effektivkosten und Provisionsexzesse bei bestimmten Versicherungsgesellschaften und Produkten zu reduzieren, welche die Renditen der Kunden erheblich beeintr\u00e4chtigen. Seitdem hat die Beh\u00f6rde insgesamt zehn Unternehmen genauer unter die Lupe genommen. Offenbar geh\u00f6rt auch die Generali dazu und ist laut der Zeitung das erste bekannte Unternehmen, bei dem die Bafin \u00c4nderungen durchsetzen konnte.<\/span><\/div>","detail_cta_lead_in.Content":"","detail_cta.Attribute":"Kontakt","detail_cta.Value":"\/kontakt","detail_heading_opt1.Content":"Bafin-Chef dr\u00e4ngt auf Tempo","detail_text_opt1.Content":"
Die Beh\u00f6rde ist jedoch mit den Fortschritten der Unternehmen bei der Senkung der Kosten nicht zufrieden. K\u00fcrzlich hat der Chef der Bafin, Mark Branson, die Branche angemahnt, weiter voranzuschreiten. \"Sonst wird so etwas wie ein Provisionsverbot oder ein Provisionsrichtwert kommen, der weniger liberal ist\", wurde er auf dem Versicherungstag der \"S\u00fcddeutschen Zeitung\" zitiert. \"Da muss Bewegung hineinkommen\", forderte Branson weiter. \"Daran haben zu viele zu lange zu gut verdient.<\/span><\/div>","detail_cta_lead_in_opt1.Content":"
Glauben Sie auch, dass die Kosten Ihrer Lebensversicherung zu hoch sind? Gerne \u00fcberpr\u00fcfen wir gemeinsam Ihren Vertrag, um potenzielle Einsparungen zu finden. Ergreifen Sie jetzt die Initiative und sichern Sie sich eine verbesserte Zukunft!<\/span><\/div>","detail_cta_opt1.Attribute":"Jetzt Vertrag 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69469 Weinheim<\/div>","footer_e-mail.Value":"mailto:info@b-k-consulting.com","footer_calendly_url.Value":"","footer_contact_form_from_email.Attribute":"OMmatic","linkedin.Value":"https:\/\/www.linkedin.com\/company\/badent-klemm-consulting\/","linkedin_enabled.Value":"true","instagram_enabled.Value":"true","whatsapp_enabled.Value":"false","whatsapp_number.Value":"https:\/\/wa.me\/+4917620926838","06_gallery_footer1.gallery_related.TypeEntityName":"Themengebiete","06_gallery_footer1.gallery_related.Heading":"Themengebiete","06_gallery_footer2.gallery_related.TypeEntityName":"Produkte","footer_subheading_contact_form.Content":"Jetzt Termin vereinbaren","instagram_url.Value":"https:\/\/www.instagram.com\/b_k_consulting\/","footer_e-mail.Attribute":"info@b-k-consulting.com","footer_telephone.Attribute":"+49 176 20926838","footer_telephone.Value":"tel:+49 176 20926838","footer_opening_hours.Content":"Mo. - Fr.: 10:00 - 20:00","footer_contact_form_enabled.Value":"true","footer_heading_contact_form.Content":"Kontakt","footer_contact_form_name_text.Content":"Ihr Name","footer_contact_form_message_text.Content":"Ihre Nachricht","footer_contact_form_mail_text.Content":"ihre@email.com","footer_contact_form_heading.Content":"
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