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Vorteile der Risikoübernahme in der klassischen Lebensversicherung

Author

Listed:
  • Thomas Url

    (WIFO)

Abstract

Produkte der klassischen Lebensversicherung unterscheiden sich von anderen Finanzprodukten durch die Art der übernommenen Risken und den Risikoausgleich innerhalb des Versicherungsunternehmens. Klassische Lebensversicherungen decken sowohl biometrische Risken als auch Kapitalertragsrisken. Garantierte Mindestertragsraten sind international weit verbreitet; sie werden durch die Wahl eines konservativen versicherungstechnischen Zinssatzes, einer geeigneten Beteiligungsquote der Versicherten an den Finanzerträgen und durch die Beschränkung auf sichere Veranlagungsformen abgedeckt. Der Auf- und Abbau von Bewertungsreserven bzw. Schwankungsreserven und die glättende Funktion der Gewinnrückstellung ermöglichen bei ausreichend langen Laufzeiten die Garantieleistung. Für private Haushalte bieten Ablebensversicherungen die günstigste Möglichkeit zur finanziellen Absicherung gegen das Sterblichkeitsrisiko erwerbstätiger Haushaltsmitglieder. Erlebensversicherungen sind ein wichtiges Instrument zur Altersvorsorge und ermöglichen einen regelmäßigen Vermögensaufbau bei niedrigem Kapitalertragsrisiko. Rentenversicherungen sind schließlich das einzige Instrument zur Absicherung gegen das Langlebigkeitsrisiko.

Suggested Citation

  • Thomas Url, 2014. "Vorteile der Risikoübernahme in der klassischen Lebensversicherung," WIFO Studies, WIFO, number 60603, August.
  • Handle: RePEc:wfo:wstudy:60603
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    References listed on IDEAS

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