Advanced Search
MyIDEAS: Login to save this paper or follow this series

Ökonomische Aspekte der Entlohnung und Regulierung unabhängiger Versicherungsvermittler


Author Info

  • Schiller, Jörg


Die Entlohnung und Regulierung unabhängiger Versicherungsvermittler, wird aktuell vor allem vor dem Hintergrund der Bedeutung und Zukunft der Honorarberatung und -vermittlung intensiv diskutiert. Im Rahmen des vorliegenden Beitrags werden zunächst wichtige ökonomische Erkenntnisse zur Vertriebswegewahl von Versicherungsunternehmen dargestellt. Aufbauend auf zentrale betriebs- und gesamtwirtschaftliche Funktionen unabhängiger Versicherungsvermittler wird untersucht, wie durch unterschiedliche Entlohnungsformen Vermittlern effiziente Anreize gesetzt werden können. In diesem Zusammenhang wird auch der Frage nachgegangen, ob und inwieweit Regulierungsmaßnahmen, wie zum Beispiel ein generelles Verbot oder die Offenlegung von Provisionszahlungen sowie das sogenannte 'Provisionsabgabeverbot', notwendig und geeignet sind, die Effizienz von Versicherungsmärkten zu erhöhen. -- The compensation and regulation of independent intermediaries is an important issue in insurance markets. With this respect, the profitability and importance of fee-for-service and commission compensation of intermediaries is lively discussed in academia and in the insurance industry. This paper summarizes economic rationales why and in which lines of business insurance companies sell their products via independent intermediaries. With this respect, it is analyzed how different forms of compensation affect important market functions of independent intermediaries. Finally, the economic impact of certain regulatory interventions, like a mandatory disclosure or a general ban of any commissions and the German ban for intermediaries to share commission with policyholders, on market efficiency is discussed.

Download Info

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
File URL:
Download Restriction: no

Bibliographic Info

Paper provided by University of Hohenheim, Center for Research on Innovation and Services (FZID) in its series FZID Discussion Papers with number 18-2010.

as in new window
Date of creation: 2010
Date of revision:
Handle: RePEc:zbw:fziddp:182010

Contact details of provider:
Postal: D-70593 Stuttgart
Phone: 0711-459-22476
Fax: 0711-459-23360
Web page:
More information through EDIRC

Related research


This paper has been announced in the following NEP Reports:


No references listed on IDEAS
You can help add them by filling out this form.



This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.


Access and download statistics


When requesting a correction, please mention this item's handle: RePEc:zbw:fziddp:182010. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (ZBW - German National Library of Economics).

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.