Dauerprämien

Dauerprämien, a German term, translates to "permanent premiums" or "enduring bonuses." It refers to a specific type of bonus or premium payment in insurance contracts, particularly in life insurance and pension plans. Unlike one-time bonuses, Dauerprämien are designed to be paid out repeatedly over a longer period, often for the duration of the contract or for a significant portion of it.

These premiums are typically linked to the profitability of the insurance company. When an insurer achieves better-than-expected financial results, they may decide to distribute a portion of these profits to policyholders in the form of Dauerprämien. The exact mechanism for calculating and distributing these bonuses can vary between companies and specific policy types. Some may be guaranteed or have a high probability of being paid, while others are discretionary and depend on annual performance.

Dauerprämien can have a significant impact on the overall value of an insurance policy. They can boost the maturity benefit of a life insurance policy or increase the pension payments from a retirement plan. For policyholders, they represent an additional return on their investment, making the product more attractive. However, it is important for consumers to understand that Dauerprämien are not always guaranteed and can fluctuate based on market conditions and the insurer's financial health. It is advisable to carefully review the terms and conditions of any policy offering Dauerprämien to understand the specifics of their payout structure.