Wednesday, January 15, 2020

Assurance companies selling so-called Ruerup pension products to future pensioners

There are many insurance companies offering a so called Ruerup pension on the German market. Usually it is not easy for the private consumer to find the right assurer that fits best with the own requirements. How can you find the right insurance for Ruerup pension covering your needs at a good rate? The following site offers a free Ruerup insurance comparison: Guenstige Rueruprenten Versicherung. There you can get the appropriate Ruerup assurance offer out of the multitude of insurance companies.


For whom is a Ruerup policy recommended? For business owners and for well-paid employees the Ruerup policy is a good chance to provide retirement pay and to save taxes at the same time. If you are looking for a Ruerup assurer in Germany, you should take into consideration some important points:

Since 2005 there is the possibility to supplement the own retirement pay by the conclusion of a Ruerup pension policy. The Ruerup pension assurance is particularly interesting for those people who cannot take out a Riester pension assurance. With the Ruerup pension, the legislature gave self-employed persons the possibility to benefit from public support under their own private pension. The governmental-sponsored Ruerup pension is for self-employed persons as interesting as for well-paid employees. For those groups of people it is the only possibility to get special tax deductions in retirement arrangement since the possibility of special deductions for other private pension and life insurance contracts has been deleted by the legislature. Before choosing your German Ruerup insurance company, you should always ask for several quotes. That can be done on the Internet: Ruerup Rente fuer Gewerbetreibende. Self-employed persons do not have the possibility to provide retirement pension by the so called Riester pension. So they could not benefit from public sponsorship. For this group of people now the possibility of taking tax benefits by taking out a Ruerup pension insurance does exist.

In the phase of paying contributions to the contract the paid-up capital is protected against distraint. This means creditors of the insured person cannot access the Ruerup pension contract. The accumulated capital must remain for the insured person and the insurance must not be resolved before retirement. The capital that is accumulated in a Ruerup pension insurance is not affected by unemployment in the context of social welfare. This capital need not to be consumed before getting social welfare. As from 2005 contributions to newly concluded traditional private pensions and life insurances are no more tax deductible in Germany, the Ruerup pension policy is a suitable alternative.

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