Englische Lebensversicherung

Britische Lebensversicherungen erreichen im Durchschnitt eine wesentlich höhrere Rendite als deutsche Lebensversicherungen. Doch liegt der Ertrag unterm Strich tatsächlich höher? Einer der wesentlichsten Unterschiede liegt bei der Regulierung durch die unterschiedlichen Finanzbehörden. Eine durchschnittliche Rendite von 10% und teilweise noch mehr ist bei englischen Lebensversicherungen keine Seltenheit.

Anlagestrategie:
Englischen Lebensversicherungen wird von der Finanzaufsicht nicht vorgeschrieben welche Art von Anlage sie mit dem Geld ihrer Kunden betreiben dürfen. In Deutschland wird beispielsweise besonders darauf geachtet, dass die Gelder zum großen Teil in sehr sichere Anlagen fließen. Nach europaweit geltenden Richtilinien kann der Aktienanteil von Lebensversicherung aber dennoch maximal 35% betragen.

Bewertung von Anlagen:
Bei deutschen, sowie bei englischen Policen werden Anlagen unterschiedlich bewertet. Während bei deutschen Versicherern Anlagen meist nach dem “Niederwertsprinzip” beurteilt werden, rechnen englische Versicherungen immer mit tatsächlichen Werten. Die tatsächlien Werte sind zwar in beiden Varianten dieselben, allerdings werden diese bei der deutschen Variante nur sehr spät an den Versicherer ausgeschüttet.

Insolvenzschutz:
Auch britische Lebensversicherungen müssen sich gegen eine mögliche Insolvenz Absichern. Dieser Schutz gilt jedoch nicht, wenn der Versicherungsinhaber nicht in Großbritannien lebt.

Pro:

  • Rendite: Es sind höhere Renditen als mit herkömmlichen Lebensversicherungen möglich
  • Sicherheit: Britische Lebensversicherungen gelten als sichere Anlagen
  • Steuervorteil: Beiträge können als Vorsorgeaufwendung steuerlich geltend gemacht werden

Kontra:

  • Risiko: Mehr Rendite bringt immer die Gefahr von größeren Schwankungen oder auch Verlusten mit sich
  • Insolvenzschutz: Unter Umständen greift der Insolvenzschutz der Versicherung nicht
  • Überschüsse: Die Höhe der Überschüsse hängt maßgeblich vom Aktienmarkt ab
  • Gesundheit: Vor Abschluß der Versicherung muß meist eine Gesundheitsprüfung absolviert werden

Fazit:
Genauso wie es viele Beispiele für englische Versicherer mit überdurchschnittlichen Renditen gibt haben andere schlechter abgeschnitten. Es gibt keinen Nachweis und keine Garantie dafür dass britische Lebensversicherungen in kommenden Jahren weiterhin gut abschneiden werden.

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