agent information to con.fee real value-fee policy
What costs incurred in the policy? The real value
con.fee AG-fee policy of Quantum Life is a unit-linked pension insurance with a lump-sum option. It contains no external acquisition costs as commis-sions and any related costs. Usually in life and pension insurance acquisition costs of EUR 6 to 7 percent of total premiums calculated one. The
con.fee in the real value Honorary Police reported acquisition costs of concern including internal costs for making the policy and the establishment of contract management. This cost includes Quantum Life from transparent. The one-time set-up costs of the policy amount to a percentage of total at least EUR 200.00 EUR 2,500.00 highest. The recurrent costs of the policy copy is EUR 200,00. These costs are charged to the contract for five years distributed. The annual recurrent management costs EUR 50.00 plus 0.075 percent of the credit policy.
What costs are the benefits of policy?
By eliminating the external acquisition costs will increase the flow rate depending on the contract at height-to tens of thousands of euros. In addition to the acquisition costs, the return of life and pension insurance is mainly determined by the amount of the investment costs be influenced. In the conventionally prepared sample calculations, these costs are not taken into account. Rather, it is assumed that the assumed rate of return of 6 percent, for example, after deduction of these costs is achieved. To achieve this yield effective, must usually be earned in addition one or two percentage points. More important is to offer customers the very low investment costs der con.fee Real-wertPolice hinzuweisen:
• Kauf der Anteile des MPC Prime Basket ohne Ausgabeaufschlag (bis zu 5 Prozent). Der MPC Prime Basket erwirbt darüber hinaus die Anteile an den Sachwertbeteili-gungen ohne Agio und innere Abschlusskosten (bis zu 7 Prozent) .
• Bezug von physischen Edel- und strategischen Metallen zum Großabnehmerpreis (Interbankenkurs) mit einem Preisvorteil von 6 bis 8 Prozent gegenüber dem priva-ten Kauf
• Preisvorteil von bis zu 30 Prozent im Vergleich zum Kauf und Verkauf von Samm-ler-Goldmünzen
• Keine Depotgebühr für die Lagerung physischer Metalle (in den Fondsgebühren in-begriffen)
• Keine Mehrwertsteuer beim Kauf von Silber, Rhenium and other metals, owing to adequate organizational structures
• reducing the administrative costs of ETFs compared to active funds to at least one percent of the investment volume per month
As the procurement of the policy is paid?
The procurement of the policy is carried exclusively by the business partner of con.fee AG and on a fee basis. This requires a fee agreement between consultant and proposers LER. But the policy holder benefits from a tariff which is significantly higher than the insurance benefits that are completed at the normal rate. What fees should
con.fee?
consultants and applicants is in the definition of the fee-free. In determining the Fee is taken into account that the selected plants assessed continuously, if necessary transfers between the recommended disposal plant species and at Quantum Fund and, where appropriate life changes in order to be. In addition to consulting and placement, the customer will be offered this continuous care and are paid in a reasonable manner. It can therefore both a fee for arranging the policy as well as ongoing support in the approach taken-who. The fee agreement must be in writing.
What fee amount is appropriate? is
Depending on whether an additional service fee is agreed at a consultation-average effort a one-time placement fee of 3 to 6 percent of total premiums justified, payable when the contract.
Advisors can alternatively be agreed with the policy holders that the fee is divided between two or three annual installments. In this case we recommend a rate increase of 10 or 15 percent. The first installment is on contract to pay the second installment of 12 months after signing the contract, the third rate 24 months after signing the contract.
The consultant has one, by the Supreme Court found no legal claim to the charge attendant console, regardless of the existence of the concerned insurance company. Depending on the level of the exchange fee for the ongoing support of an annual performance fee-Betreuungsho appropriately from 0.5% to 1.0% of average annual fund balance.
is to create an invoice and there is sales tax liability?
The agent should prepare an invoice for fees. The exemption from VAT according to § 4 No. 11 UStG subject to sales from the activities of others as an insurance broker. Ge-mastering the subject matter of the exemption are intended for services that are typical job. Prerequisite for the tax free benefits from the activity as an insurance broker, therefore, that the service provided is of those who shape the profession. The occupational profile of the agent is marked by the placement of insurance contracts. Thus, remuneration for the procurement of insurance provided by the sales-tax-exempt, even if they are paid as a finder's fee by the customer.
there because of the flat tax reporting obligations? Since Quantum
life, a foreign company without a branch in Germany may not be required to deduct withholding tax must, domestic insurance brokers to the German Federal Central Tax Office by 30 March of the following-year report back when the conclusion of a life insurance contract-mediated have (§ 45d para 3 ITA). The initial notification must be up to 30.03.2011 successes conditions (§ 52a para 16 set 9 Income Tax Act) and includes name, date of birth, address and Steueriden tifikationsnummer- the policyholder, also the contract number, sum insured and term, and further information on the Treaty.
affected by this requirement includes insurance within the meaning of § 20 para 1 No. 6 of the Income Tax Act. These are life insurance policies and annuity contracts with capital right to vote. Accordingly, subject to statements of con.fee real value-fee policy as Basisren-statutory pension insurance (Rürup pension) not subject to notification
