The providers of disability insurance will be forced next year to increase the contributions for their policyholders. Probable cause for the increase, the reduction is from the guaranteed interest rate for life insurance in the coming year from 2.75 to 2.25 percent. The guaranteed interest rate serves as the calculation basis for the development of the premium reserve in case of damage and reducing the accrued interest on the money, and then the gap must be closed somehow occurring elsewhere. As example, could be higher premiums for customers, such as Gerd Frieg said of the Heidelberg-based financial service provider MLP to the FAZ said, and he even considers this as very likely.
MLP is a sample calculation for an insured with an entry age of 25 years, an age at maturity of 65 years, a monthly disability pension of 1,500 € in case of damage, and a professional group with low risk of an increase in contributions by up to 7.7 percent.
In an entry age of 35 years, the expected increase in contributions would still be at 5 percent.
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