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Despite rising interest rates, German life insurers grew their mortgage lending volume in 2022. Discover why real estate loans remain a key, secure asset class for insurers and what it signals for the housing market.…

The German Federal Fiscal Court has ruled that profits from Bitcoin, Dogecoin, and other cryptocurrencies are subject to income tax. Learn the new rules, holding periods, and how tax authorities track crypto transactions.…

Using a seasonal license plate for your convertible, motorcycle, or RV can slash your auto insurance costs by more than a third. Learn how seasonal registration works, compare insurer prices, and discover key coverage tips to maximize your savings.…

Learn how the updated BVK checklist helps insurance agents and brokers build a sustainable, compliant, and future-proof business. Discover key steps for ESG integration and regulatory alignment.…

Were you disinherited in a German will? German law provides a safety net called the 'Pflichtteil' (compulsory portion) for close relatives like children or spouses, ensuring they receive a share of the estate. Discover the 6 most important court rulings that protect disinherited heirs and learn how this concept compares to estate planning and probate law in the United States.…

German Federal Health Minister Karl Lauterbach (SPD) plans significant premium hikes for the statutory long-term care insurance (Pflegeversicherung), starting July 1st. A key focus is a higher surcharge for childless individuals, implementing a Constitutional Court ruling to better account for parenting costs in care financing. The draft law also includes relief for care recipients and steps toward greater transparency. Understand the changes, their impact on your finances, and how Germany's system compares to US long-term care planning.…

Pioneer Eckhard Sauren explains why Fund of Funds (Dachfonds) offer small investors professional diversification and active management in a high-interest rate environment.…

Economist Bernd Raffelhüschen proposes a €2000 deductible for German public health insurance (GKV) patients. While promoting self-responsibility, this model risks creating a 'nanny state' that penalizes lifestyle choices. We analyze the proposal's flaws, bureaucracy, and real systemic issues.…

Are you overinsured? Many common policies are unnecessary and drain your budget. Our insurance check reveals which 8 coverages you can likely cancel today, from redundant travel insurance to overpriced life policies, helping you optimize protection and save.…

Facing a €17 billion deficit, Germany's public health insurance (GKV) system is under pressure. Economist Bernd Raffelhüschen proposes a radical solution: annual deductibles up to €2,000 for patients. Explore this controversial cost-control model, its potential impact on premiums, and how it compares to high-deductible health plans (HDHPs) in the US private insurance market.…

The new German foundation law introduces uniform federal rules and a central register. Learn about key changes for asset management, the Business Judgement Rule for trustees, and opportunities for financial advisors.…

Discover how Markus Eisenhut, the 'FinanzMensch,' builds a thriving financial advisory practice specializing in farmers and sustainability. Learn his unique marketing tactics using cinema ads and farm fences, his 'centuries-old' referral strategy, and his holistic three-pillar approach to sustainable financial planning. Essential listening for advisors seeking niche success.…

Workplace absenteeism due to mental health conditions like depression, anxiety, and burnout hit a new record high last year, marking the fourth consecutive year of increases. There were 301 absence days per 100 employees, a 48% rise over the past decade. Young professionals saw the sharpest increase. This analysis, based on data from 2.4 million insured individuals, highlights a growing crisis with significant implications for employers, health insurance, and disability coverage.…

The German Association of General Practitioners strongly opposes economist Bernd Raffelhüschen's plan for a €2,000 annual deductible for public health insurance patients. They argue it undermines the solidarity principle and is unworkable. Learn why doctors are pushing back.…

Discover how major insurers like AXA and Helvetia are pioneering the metaverse. AXA launches a gamified virtual space in The Sandbox, while Helvetia tests virtual reality insurance consultations. Explore the opportunities for customer engagement, brand innovation, and the critical data privacy challenges in this new digital frontier.…

German Federal Health Minister Karl Lauterbach (SPD) forecasts further increases in statutory health insurance (GKV) supplementary contributions in the coming years, citing the debt brake as a key constraint. He also aims to significantly reduce the high volume of hip and knee replacement surgeries, which he labels financially-driven 'cash cows' for hospitals. This analysis explores the looming deficits, proposed reforms, and what it means for insured individuals.…

Insurers are leading in impact investing, driven by climate risks and social responsibility. Discover a practical framework for integrating measurable social and environmental impact across asset classes.…

Water damage is the leading cause of property insurance claims. Discover how leak detection and automatic water shutoff systems can reduce damage costs by up to 25% and protect your home or business.…

Discover how insurance agents and brokers can leverage Artificial Intelligence (AI) to significantly increase sales, improve customer retention, and master cross-selling. Learn practical strategies from industry experts on implementing AI tools like marketing automation and predictive analytics to grow your business.…

Freiburg economist Bernd Raffelhüschen proposes radical cost-sharing for Germany's statutory health insurance (GKV): patients could pay up to €2,000 annually out-of-pocket, with smokers, the obese, and risk-sport participants facing even higher costs. Health Minister Karl Lauterbach (SPD) firmly rejects the plan as socially unbalanced. Explore the debate on containing healthcare costs, the potential impact on patients, and lessons from past failed policies.…