Regulation on insurance mediation and advisory services (Insurance Mediation Regulation-VersVermV)

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VersVermV

Date of completion: 15.05.2007

Full quote:

" Insurance Mediation Ordinance of 15 May 2007 (BGBl. I p. 733, 1967), which was last amended by Article 2 (34) of the Law of 1 April 2015 (BGBl. I p. 434).

Status:

Last amended by Art. 2 para. 34 G v. 1.4.2015 I 434

For more details, please refer to the menu under Notes

Footnote

(+ + + Text proof: 22.5.2007 + + +) 
(+ + + Official note from the norm-provider on EC law: 
 Implementation of the 
 ERL 36/2005 (CELEX Nr: 305L0036)  V v. 19.12.2008 I 2969 + + +) 

  

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Input formula

Pursuant to Section 11a (5), Section 34d (8) and Section 34e (3) sentences 2 to 4 of the Commercial Code (Gewerbeordnung) as amended by the Notice of 22 February 1999 (BGBl. 202), as defined by Article 1 of the Law of 19 December 2006 (BGBl). 3232), the Federal Ministry of Economics and Technology, in agreement with the Federal Ministry of Justice, the Federal Ministry of Finance and the Federal Ministry of Food, Agriculture and Food, has been inserted. Consumer protection:

Section 1
Expert examination

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§ 1 Principle

(1) The examination according to § 34d (2) (4) of the Industrial Code provides proof that the subject-specific product required for the performance of the activities referred to in § 34d (1) of the Industrial Code of Business Act (Gewerbeordnung) is (2) The subject-matter of the examination shall in particular be the following subject areas and their practical application:

1.

Customer advice:

a)

Needs assessment,

b)

solution possibilities,

c)

Product presentation and information;

2.

Technical basics:

a)

the legal basis for insurance mediation and insurance consulting,

b)

social insurance policy framework conditions, in particular statutory pension insurance, private pension provision through life insurance, pension and occupational disability insurance, basic benefits of occupational retirement provision (direct insurance and pension fund) ), state support and tax treatment of private pension provision, and occupational pension provision financed through pay-as-you-go conversion,

c)

accident insurance; health insurance; care insurance,

d)

Related household insurance; related building insurance,

e)

Non-liability insurance; motor insurance; legal expenses insurance.

(3) In the insurance sector referred to in paragraph 2 (2), the examination of the subject-matter shall, in particular, cover the needs specific to the target group, the forms of supply, the scope of services, the insurance case, as well as the legal bases and normal market conditions. General insurance conditions. The content-related requirements for the examination of the subject-matter are to be aligned with the requirements of Appendix 1. (4) Persons who have been working independently or independently as insurance intermediaries or as insurance advisors since 31 August 2000 shall not be subject to an examination of the subject-matter. Unofficial table of contents

§ 2 Executive Committee and Audit Committee

(1) The examinee can enter the examination at any Chamber of Industry and Commerce as far as the Chamber of Industry and Commerce offers the examination of the subject-matter. (2) The Chambers of Commerce and Industry erect the examination for the examination of the examination. Audit committees. They shall appoint the members of these committees. Members must be knowledgeable in the examination areas, familiar with the current practice of insurance mediation or counselling by their own experience, and be suitable for participation in the examination system; they may not examine persons who (3) Chambers of Commerce and Industry may conclude agreements for the joint implementation of the examination of the subject-matter. Several chambers of industry and commerce can set up a joint audit committee. Article 1 (4a) of the Law on the provisional regulation of the laws of the chambers of commerce and industry remains unaffected. Unofficial table of contents

§ 3 Procedure

(1) The examination consists of a written part and a practical part. (2) The written part of the examination extends to the contents listed in § 1 para. 2 no. 2, which are to be examined in a balanced relationship with each other. The aim of the examination is to demonstrate, on the basis of practice-related tasks, that it has acquired the basic insurance and legal knowledge and can apply it in practice. (3) The selection of the written examination tasks will be met by a Task selection committee, which is a uniform nationwide task. The Committee will be staffed by eight members and eight alternates appointed by the Chambers of Commerce and Industry. The appointment shall be made after consultation with representatives of insurance undertakings, insurance brokers, insurance advisers, insurance representatives and external service managers. The following are called:

1.

two members and two alternates from the ranks of insurance undertakings or the representatives of their interests,

2.

two members and two alternates from the insurance brokers or the insurance advisers or the representatives of their interests,

3.

two members and two alternates from the ranks of the insurance representatives or the representatives of their interests,

4.

a member and a deputy from the ranks of the external service managers or the representatives of their interests, and

5.

a member and a deputy from the ranks of the Chambers of Commerce and Industry or the representatives of their interests.

The members of the Committee and their alternates shall be able to take appropriate decisions on the selection of tasks. The examination tasks will not be published after the examination, but will only be available to the examinees during the examination. (4) In the practical part of the examination, which is carried out as a simulation of a customer consulting interview, will be in each case one test specimen. The aim here is to demonstrate that it has the capabilities to develop and offer customer-oriented solutions. In doing so, the examinee can choose between the subject areas of prevention (life insurance, private pension insurance, accident insurance, occupational disability insurance, health insurance, nursing care insurance) or property and property insurance (civil liability insurance, motor insurance, related household insurance, related building insurance, legal expenses insurance). The interview is conducted on the basis of a case specification, which refers either to a situation of insurance intermediary and customer or to a situation insurance consultant and customer. (5) The performance of the test item is from the Audit committee with "passed" or "failed" to evaluate. The written part of the examination has been passed if the examinee scores at least 50 percent in four of the areas mentioned in § 1 para. 2 no. 2 and at least 30 percent of the achievable points in the further area. (6) The test is not public. However, representatives of the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht) as well as members of another audit committee, persons who are responsible for controlling the quality of the audit, or persons who are in charge of the audit, may be appointed to the (7) The examination can be repeated as often as desired. (8) The Chamber of Commerce and Industry shall immediately establish an examination of the examination results. Certificate according to Appendix 2, if the test has successfully passed the test. If the examination has not been successfully filed, the examinee will receive a notice in which he is to be informed of the possibility of the repeat examination. (9) The details of the examination procedure shall regulate the board by statute. Unofficial table of contents

§ 4 Gender Equality of Other Professional Qualifications

(1) The following professional qualifications or their successor occupations shall be recognised as proof of the necessary expertise:

1.

Final Certificate

a)

of a study of law,

b)

a business degree programme in the field of insurance (university degree or equivalent qualification),

c)

as an insurance businessman or a businessman or a businessman for insurance and finance,

d)

as an insurance professional or host, or

e)

as a specialist economist or economist for financial advice (IHK);

2.

Final Certificate

a)

as a specialist adviser or consultant for financial services (IHK), if a completed training as a bank or savings insurance company, or a savings bank,

b)

as a specialist adviser or adviser for financial services (IHK), if a completed general commercial training or

c)

as a financial economist (FH), if a completed further-forming certificate course at a university

and at least one year's professional experience in insurance mediation or advisory services is available;

3.

Final Certificate

a)

as a bank or savings insurance company or a savings bank,

b)

as an investment fund manager or a woman, or

c)

as a specialist adviser or consultant for financial services (IHK),

if there is also at least two years of professional experience in the insurance mediation or counselling sector.

(2) A successful study at a university or vocational college will be recognised as proof if the required subject-matter is present in the applicant. This requires, as a general rule, that at least three years of professional experience in the field of insurance mediation or counselling is also demonstrated. Unofficial table of contents

§ 4a Recognition of foreign professional qualifications in the context of the freedom of establishment

(1) In accordance with § § 13c (1) of the Industrial Code, the subject-matter underlying the evidence in accordance with § 13c (1) of the Commercial Code shall be substantially subject to the requirements laid down in § § 1 and 3 and shall be the same as those of the person submitting the application in the course of their professional practice. If the knowledge acquired does not differ, then permission to take up the desired activity shall be granted by the successful participation in a complementary examination of the subject-matter (specific to those subject areas) (specific (2) (now (1)) (3) (omitted) (4) (omitted)

Section 2
Intermediary Registry

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§ 5 Components and contents of the register

In the register according to § 11a of the Gewerbeordnung, the following information on the registrants shall be stored:

1.

the surname and first name, as well as the company and persons trading companies in which the person responsible for the entry is acting as managing partner,

2.

the date of birth,

3.

an indication as to whether the registrant

a)

as insurance broker

aa)

with permission pursuant to section 34d (1) of the commercial order or

bb)

Exemption pursuant to section 34d (3) of the Industrial Code as a product-related insurance broker,

b)

as insurance representative

aa)

with permission pursuant to section 34d (1) of the Industrial Code,

bb)

as tied insurance representative pursuant to section 34d (4) of the commercial order,

cc)

with exemption from permission pursuant to § 34d (3) of the Industrial Code as a product-related insurance representative

or

c)

be active as an insurance consultant with the permission in accordance with Section 34e (1) of the Commercial Code,

4.

the name and address of the competent register authority,

5.

the States of the European Union and the other States Parties to the Agreement on the European Economic Area, in which it intends to act, and where a branch is established, the business address and the legal provisions representatives of this branch,

6.

the operational address,

7.

the registration number referred to in § 6 (3),

8.

in the case of an insurance intermediary who does not require a permit pursuant to Section 34d (4) of the Commercial Code, the liability insurance undertaking or insurance undertakings which have been received by the insurance company.

If the person liable for registration is a legal person, the surname and first names of the natural persons who are responsible for the intermediary activities within the institution responsible for the management shall also be stored. Unofficial table of contents

§ 6 Registration

(1) The registrant shall inform the register authority of the information in accordance with § 5. Any changes to the information in accordance with § 5 shall immediately inform the registration authority of the register authority. (2) In the case of insurance intermediaries who do not require a permit pursuant to Section 34d (4) of the Commercial Code, the information shall be forwarded to the register authority. by way of derogation from paragraph 1, exclusively in accordance with Section 80 (3) of the Insurance Supervision Act. (3) The Registry Authority shall issue a confirmation of registration in addition to the insurance undertaking or the insurance undertaking in the case referred to in paragraph 2. with the registration number under which the registrant in the register (4) The register authority shall inform the person responsible for the registration and, in the case of Section 80 (4) of the Insurance Supervision Act, the insurance undertaking without delay of a data deletion in accordance with Article 11a (3) sentence 2 of the Industrial order. Unofficial table of contents

§ 7 Limited Access

With regard to the information provided for in the first sentence of § 5, no. 2 and 8, automated retrieval is not permitted. In writing, the register authority may only provide information to the authorities referred to in Article 11a (7) of the Industrial Code.

Section 3
Requirements for civil liability insurance pursuant to § 34d (2) (3) of the Industrial Code

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§ 8 Scope

The liability insurance pursuant to Section 34d (2) (3) of the Commercial Code shall apply to the entire territory of the Member States of the European Union and of the other States Parties to the Agreement on the European Economic Area. Unofficial table of contents

§ 9 Scope of insurance

(1) The insurance in accordance with § 8 must be taken in the case of an insurance undertaking authorised for business in Germany. (2) The minimum insurance sum is EUR 1 130 000 for each insurance case and EUR 1 700 000 for all Insurance cases of one year. The minimum amounts of insurance referred to above shall be increased or decreased as from 15 January 2013 and thereafter regularly every five years in accordance with the European Consumer Price Index published by Eurostat, with the following: to the next higher hundredth amount in euros. The adjusted minimum amounts of insurance are published by the Federal Ministry of Economics and Technology in the Bundesanzeiger (Federal Gazette) on 2 January of each year in which the adjustment is to be made. (3) The insurance contract provide cover for the risk of liability arising from the commercial activity within the scope of this Regulation for property damage. The insurance contract must also cover such property damage for which the insurer has to comply in accordance with § 278 or § 831 of the Civil Code, to the extent that the filling or alignment agents do not themselves contribute to the The conclusion of such professional indemnity insurance is required. If the trader is acting as managing partner in one or more persons trading companies, an insurance contract must be concluded for each of the persons trading companies; the insurance contract may also cover the activities of the trader in accordance with the first sentence. (4) The insurance contract shall provide insurance cover for each individual breach of duty, which shall be subject to statutory liability claims under private law against the The following may be subject to insurance obligations; it may be agreed (5) The liability for compensation claims can be excluded from the insurance for claims of a breach of duty, which is the subject of a breach of duty. Further exclusions are only permitted to the extent that they are market-standard and do not run counter to the purpose of professional indemnity insurance. Unofficial table of contents

§ 10 Display obligation of the insurance undertaking

(1) The insurance certificate issued by the insurance company in accordance with Section 113 of the Insurance Contract Law may not be older than three months at the time of application to the competent Chamber of Industry and Commerce. (2) Insurance undertaking is obliged to terminate or terminate the insurance contract, if necessary only after the expiry of the period of § 38, the authority responsible for granting the permit pursuant to Section 34d (1) and Section 34e (1) of the Industrial Code. 3 sentence 3 of the Insurance Contracts Act, as well as any change in the The insurance contract which may affect the prescribed insurance cover in relation to third parties must be notified without delay. The competent authority shall inform the insurance company of the date of receipt of the notification in accordance with sentence 1. (3) Competent body within the meaning of Section 117 (2) of the Insurance Contract Law is the competent authority for the granting of licences pursuant to section 34d (1) and (1) of the Insurance Contract Law. Section 34e (1) of the Commercial Code.

Section 4
Information requirements

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Section 11 Information of the policyholder

(1) The trader shall provide the policyholder with the following information in a clear and comprehensible form in writing at the first business contact:

1.

its surname and first name, as well as the company, partnerships of persons in which the registrant is acting as managing partner,

2.

its operational address,

3.

whether or not

a)

as an insurance broker with a permit pursuant to section 34d (1) of the commercial order,

b)

as insurance representative

aa)

with a permit pursuant to Section 34d (1) of the Industrial Code,

bb)

pursuant to Section 34d (4) of the Commercial Code as a tied insurance representative,

cc)

with exemption pursuant to section 34d (3) of the commercial order as a product-related insurance representative or

c)

as insurance adviser with permission pursuant to § 34e para. 1 of the commercial order

it is registered with the competent authority and entered in the register in accordance with Section 34d (7) of the Industrial Code and how this registration can be verified,

4.

the address, the telephone number and the Internet address of the joint body within the meaning of section 11a (1) of the commercial order and the registration number under which it is entered in the register,

5.

the direct or indirect shareholdings of more than 10% of the voting rights or of the capital of an insurance undertaking,

6.

the insurance undertakings or parent undertakings of an insurance undertaking which have a direct or indirect holding of more than 10 per cent in the voting rights or in the capital of the information subject;

7.

the address of the conciliation body which may be referred to disputes between insurance intermediaries or insurance advisers and policyholders.

(2) The duty to inform has to ensure that its employees also comply with the notification requirements referred to in paragraph 1. (3) The information referred to in paragraph 1 may be transmitted orally if the policyholder wishes to do so or if: as far as the insurance undertaking grants provisional coverage. In such cases, the information shall be made available immediately after the conclusion of the contract, at the latest with the insurance certificate, to the policyholder in text form; this shall not apply to contracts relating to the provisional coverage of Compulsory insurance.

Section 5
Payment assurance of the trader for the benefit of the policyholder; supervision of the commission ban on insurance advisors

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§ 12 Security performance, insurance

(1) The trader may only accept payments made to him by the policyholder in connection with the transfer or the conclusion of an insurance contract for the insurance undertaking if he has previously provided a security: or a suitable insurance policy which protects the policyholder against the fact that the trader cannot forward the payment to the insurance undertaking. This shall not apply in so far as the trader is authorized to receive payments from the policyholder. (2) The security may be provided by the position of a guarantee or other comparable collateral. As a guarantor, only entities of public law domesticated in Germany, credit institutions authorised to operate domesticly for business operations, and insurance undertakings authorised to operate the security deposit insurance in the territory of the country may be appointed. . The guarantee shall not take place before the date on which the provisions of paragraph 5 arise. (3) Insurance shall be appropriate within the meaning of the first sentence of paragraph 1, if:

1.

the insurance undertaking has the power to operate the confidence-loss insurance in the country; and

2.

the general insurance conditions shall be fair to the purpose of this Regulation, in particular directly entitling the policyholder from the insurance contract in cases of insolvency of the trader.

(4) Collateral and insurance can be co-located and completed. They may be made or completed for each individual placement business or for a number of joint operations. All in all, the minimum guarantee shall be equal to 4 per cent of the annual premium income received by the trader, but at least EUR 17 000. The above-mentioned minimum guarantee of EUR 17 000 shall be increased or shall be reduced from 15 January 2013 and thereafter regularly every five years in accordance with the amendments to the European Consumer Price Index published by Eurostat, where it is to be rounded up to the next higher hundred in euros. The minimum amount of the adjusted guarantee shall be published by the Federal Ministry of Economics and Technology in the Bundesanzeiger (Federal Gazette) on 2 January of each year in which the adjustment is to be made. (5) The trader has the (6) the first sentence of paragraph 1 and paragraphs 2 to 5 shall apply mutatily if the trader's performance of the insurance undertaking is subject to the following conditions: The insurance undertaking which is responsible for this on the basis of an insurance contract To provide policyholders. The obligation referred to in the first sentence of paragraph 1 shall not apply to the extent that the trader is authorized by the policyholder to receive the benefits of the insurance undertaking in accordance with Section 64 of the Insurance Contracts Act. (7) When the trader has an application for payment by the trader his principal place of business in another Member State of the European Union or in another State Party to the Agreement on the European Economic Area shall be sufficient for the trader ' s the obligation referred to in paragraph 1, even if the obligation referred to in Article 4 (4) of the Directive 2002/92/EC of the European Parliament and of the Council of 9 December 2002 on insurance mediation (OJ L 393, 30.12.2002, p. EC No 3), the necessary protection of the policyholder by the provisions of the other State. Unofficial table of contents

§ 13 Proof

To the extent that the trader has to provide guarantees or to conclude insurance in accordance with section 12 (1) or (6), he has to prove this to the policyholder on request. Unofficial table of contents

§ 14 Recording obligation

(1) The trader shall keep records in accordance with the provisions of paragraph 2, and shall collect the documents and documents referred to therein on a clear basis. The records must be recorded immediately and in German. (2) The records and records of the recording subject must show the following information, in so far as they may be considered on a case-by-case basis:

1.

the name and first name or the name of the firm and the address of the policyholder,

2.

whether and to what extent the recording subject is authorised to receive payments or other services;

3.

the nature and amount of the assets of the policyholder who have received the person liable for the recording to be forwarded to an insurance undertaking;

4.

the nature, amount and extent of the security and the insurance, name or company and address of the guarantor and of the insurance to be covered by the recording subject for the assets,

5.

the use of the assets of the policyholder.

In addition, copies of the guarantee certificate and the insurance certificate must be present in the documents. (3) The insurance consultant also has records of the type and amount of the income he has received for his activity, the name (4) In so far as trade or tax law provisions give rise to accounting obligations arising out of the obligations arising out of the obligations of the company, the following documents shall be provided for the purpose of carrying out the duties and obligations of the company. in accordance with paragraphs 1 to 3, the recording subject may be required to: This bookkeeping will refer. Unofficial table of contents

§ 15 Examination

(1) The competent authority responsible for the granting of licences pursuant to § 34d (1) and 34e (1) of the Commercial Code may, on a special occasion, order that the recording subject be subject to an extraordinary examination by a suitable auditor. to check compliance with the obligations arising from § § 12 and 14 at its costs. The auditor shall be determined by the competent authority referred to in the first sentence. The audit report shall include an indication as to whether and which infringements of the recording subject have been recorded. The examiner shall sign the note stating the place and date. (2) For insurance advisers, the authority responsible for the granting of licences pursuant to Section 34e (1) of the Commercial Code may, in addition, arrange for the special occasion that the Insurance consultant shall be checked for compliance with the obligation arising from § 34e (3) of the Industrial Code. Section 15 (1) applies accordingly. (3) Suitable examiners are

1.

Auditor, sworn accountant, auditing and accounting firms,

2.

Examination bodies, for the purpose of their legal or statutory purpose, the periodic and extraordinary examination of their members, provided that:

a)

is at least one of its statutory representatives,

b)

comply with the conditions laid down in Section 63b (5) of the Law on the Cooperatives of the Acquisition and Economic Cooperatives; or

c)

they are self-employed accountants or sworn accountants or an accounting or accounting firm for their audit work.

(4) Other persons who have been publicly appointed or have been admitted and who are in a position to carry out a proper examination in the relevant commercial holding as well as their concentrations as a result of their prior knowledge and experience as auditors referred to in the second sentence of paragraph 1. Unofficial table of contents

§ 16 Rights and obligations of those involved in the audit

(1) The auditor shall permit the examiner to inspect the books, records and records. He has to give him all the clarifications and evidence required by the examiner for a careful examination. (2) The examiner is obliged to scrupuloise and impartially scrupuloise and to secrecy. He shall not use any unauthorised disclosure of business and business secrets that he has experienced in his activities. An examiner who intentionally or negligently violates his duties shall be obliged to pay the record in order to compensate for the damage resulting therefrom. Several persons are liable as total debtors. Unofficial table of contents

Section 17 reinsurance mediation and major risks

§ § 11 to 16 do not apply to reinsurance mediation. § 11 does not apply to the provision of insurance contracts for major risks within the meaning of Section 210 (2) of the Insurance Contract Law as well as for ongoing insurance policies.

Section 6
Offences and regularties

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§ 18 Crime offences and administrative offences

(1) In the sense of § 144 (2) (1b) of the Commercial Code, who intentionally or negligently acts in the sense of an order of law

1.

Contrary to Section 11 (1), a communication does not make, not correct, not complete or not in good time,

2.

, contrary to § 12 (1) sentence 1, also in conjunction with paragraph 6, sentence 1, a payment is accepted,

3.

Contrary to Section 12 (5), even in connection with paragraph 6, sentence 1, the security or the insurance shall not be maintained,

4.

Contrary to § 13, proof not, not correct, is not provided in full or in time, or

5.

, contrary to Section 14 (1) or (3), a record is not, not correct, not complete, not in the prescribed manner or not in time, or does not collect any documents or documents mentioned there or not in the prescribed manner.

(2) In the sense of Section 145 (2) No. 8 of the Commercial Code, the person who intentionally or negligently deals with an act referred to in paragraph 1 in the exercise of a travel business. (3) Contrary to the order of law pursuant to § 146 (2) No. 11 of the German Commercial Code ("Gewerbeordnung"). (4) Those who, by means of an act referred to in paragraph 1, are responsible for the life or health of another, shall act as a commercial order. or foreign objects of significant value, shall be punished in accordance with Section 148 (2) of the Commercial Code.

Section 7
Final provisions

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§ 18a (omitted)

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Section 19 Transitional arrangements

(1) An insurance professional or wife of the Vocational Training Plant of the Deutsche Versicherungswirtschaft e.V., completed before 1 January 2009, shall be the equivalent of the successfully filed examination of the subject-matter examination. (2) The trader who already has the Register in accordance with § 11a of the Commercial Code or registered by 31 March 2009 shall be notified of the required new information in accordance with § 5 sentence 1 no. 1 no later than 1 April 2009 of the register authority. Unofficial table of contents

Section 20 Entry into force

This Regulation shall enter into force on 22 May 2007. Unofficial table of contents

Final formula

The Federal Council has agreed. Unofficial table of contents

Appendix 1 (to § 1 para. 3 sentence 2)
Substantive requirements for the examination of the subject-matter

1.

Customer advice

1.1

Customer Service expectations

1.2

Visit preparation/customer contacts

1.3

Customer Talk

1.3.1

Customer situation; systematics in the customer interview/-demand

1.3.2

Customer-friendly solutions

1.3.3

Discussion

1.4

Customer Care

2.

Legal bases

2.1

Contract Law

2.1.1

Business Capability

2.1.2

Conclusion of general contracts

2.1.3

Foundations of the insurance contract

2.1.4

Start and end of the insurance contract

2.2

Special legislation relating to the insurance contract

2.2.1

Insurance Form

2.2.2

Contribution Payment

2.2.3

Obligations of the policyholder

2.2.4

Pre-contractual disclosure

2.2.5

Increase of risk

2.2.6

Obligations in the event of damage

2.2.7

Change of ownership in non-life insurance

2.3

Intermediary and Consultative Law

2.3.1

General legal status

2.3.2

Fundamentals of activity

2.3.3

Special legal status

2.3.4

Professional associations/professional associations

2.3.5

Employee representatives

2.4

Competition law

2.4.1

General competition principles

2.4.2

Illegal advertising

2.5

Consumer protection

2.5.1

Principles of consumer protection

2.5.2

Schlichtungsstellen

2.5.3

Data protection

2.6

Insurance supervision: responsibilities

2.7

European Single Market: Freedom of service and establishment

3.

Prevention

3.1

Statutory pension insurance

3.1.1

Introduction

3.1.2

Insurance obligation

3.1.3

Pension rights

3.1.4

Pensions

3.1.5

Pension calculation

3.1.6

Supply Gap

3.1.7

Tax treatment of the GRV as part of the basic supply (1. Layer)

3.2

Private provision through life insurance, pension and occupational disability insurance

3.2.1

Fundamentals: Forms of Supply; Scope of services; Contribution; Application; Insurance case; Special features

3.2.2

State support and tax treatment of private pension provision through life and pension insurance (3-shift model): basic supply; capital-covered supplementary pension provision (§ § 10a, 79 ff. EStG); Capital investment products; other insurance products

3.3

Basic principles of occupational retirement provision (direct insurance and pension fund through pay-as-you-go conversion)

3.3.1

Fundamentals: Definition; Calculated persons; Legal entitlement to pay conversion; Equal treatment; Indibility; premature retirement; premature retirement benefit; insolvency of employer

3.3.2

Broad lines of implementation: direct insurance and pension fund

3.3.3

Tax treatment (2. Layer): Tax promotion of contributions and tax treatment of benefits in the direct insurance and pension schemes

3.3.4

Social security treatment of contributions and benefits

3.4

Accident insurance

3.4.1

Introduction: Demand; Target groups; Social Accident Insurance (GUV)

3.4.2

Scope of services of private accident insurance: accident concept and scope; performance types; exclusions; special features

3.4.3

Insurance sum: Insured Sums; Adjustment; Special features in the case of higher degrees of invalidity

3.4.4

Tariff structure and application

3.4.5

Application: Insurable persons; structure and content of applications

3.4.6

Insurance Case

3.4.7

Tax treatment of contributions and benefits

3.5

Health insurance/long-term care insurance

3.5.1

Health insurance: demand; target groups; statutory health insurance; scope of services of the PKV; assessment of needs; beginning and end of insurance protection; application intake; insurance case; tax treatment

3.5.2

Care insurance: insurance systems; social care insurance and private nursing care insurance; private supplementary care insurance

4.

Sach/Property Insurance

4.1

Liability insurance

4.1.1

Introduction: Liability principles

4.1.2

Scope of services: Liability/Decking; Tasks; insured risk; Target groups; insured persons; Exclusions

4.1.3

Insurance Total

4.1.4

Tariff structure and application

4.1.5

Application intake

4.1.6

Insurance Case

4.1.7

Peculiarities: pension insurance; foreign damage; rental property damage; contribution adjustment; tax treatment of contributions

4.2

Road safety

4.2.1

Liability principles

4.2.2

Scope of liability insurance: tasks; liability/cover; direct claim; insurance sums in the liability insurance; insured persons; essential exclusions

4.2.3

Scope of services of the vehicle insurance: customer benefit; insured risks and damage; insured property; spare performance; essential exclusions

4.2.4

Scope of services of the occupants-Accident Insurance: insured risks and damage; insurance options; insured persons; essential exclusions

4.2.5

Scope of services of the car protection letter: insured risks; insured persons; essential exclusions

4.2.6

Contribution determination: tariff characteristics; tariff structure and application; special features in civil liability insurance

4.2.7

Application: Structure and content of applications

4.2.8

Start of insurance protection

4.2.9

Obtradition

4.2.10

Insurance: obligations of the policyholder; claims settlement; reclassification

4.2.11

Characteristics: Transfer of non-life rebates; Vehicle change; Non-life insurance; Short-term labels; Scope; International insurance card

4.3

Related household insurance

4.3.1

Introduction; Demand

4.3.2

Scope of services: insured property; compensation limits; insured risks; clauses; insured damages; insured costs; insurance place; external insurance

4.3.3

Insurance Value/Insurance Total

4.3.4

Contribution determination: risk characteristics; tariff structure and application

4.3.5

Application: Structure and content of applications; adoption guidelines

4.3.6

Insurance Case

4.3.7

Peculiarities: safety regulations; danger increase

4.3.8

Household glass insurance in accordance with the General Terms and Conditions for Glass Insurance (AGlB)

4.4

Related Building Insurance

4.4.1

Introduction: requirements, target groups

4.4.2

Scope of services: insured property; insured risks and damages; clauses; insured costs; insured rental failure

4.4.3

Insurance forms

4.4.4

Compensation for property

4.4.5

Contribution determination: risk characteristics; tariff structure and application

4.4.6

Application: Structure and content of applications; adoption guidelines

4.4.7

Insurance Case

4.4.8

Fire-raw construction insurance

4.4.9

Specifics: Increase of risk; Safety regulations; Change of ownership

4.5

Legal protection insurance

4.5.1

Introduction: Demand; Target groups

4.5.2

Benefits/insured persons: scope of services; performance types; insured persons; local scope; exclusions

4.5.3

Application: Structure and content of applications; adoption guidelines

4.5.4

Insurance Case

Unofficial table of contents

Annex 2 (to § 3 (8))
Certificate of successful examination of the examination of the subject-matter examination "Geprüfter Versicherungsfachmann/-frau IHK" according to § 34d para. 2 no. 4/§ 34e para. 2 of the commercial order

Herr/Frau .................................................................... 
 (name and first name) 
born on ....................... in ..................................... 
Resident in ..................................................................   
has been at .......................................................................   
in front of the Chamber of Industry and Commerce ........................................................   

The examination of the subject-matter examination for the pursuit of the business as an insurance intermediary or as an insurance consultant in accordance with § 34d (2) (4) or § 34e (2) of the commercial order is successfully filed.
The examination covered in particular the subject-specific duties and powers of the following subjects:

1.

Customer advice (needs assessment, solution options, product presentation and information),

2.

insurance-related fundamentals,

3.

framework conditions as well as the basic principles of state-and operationally funded pension schemes,

4.

the legal basis for insurance mediation and insurance advice.

(Stamp/Seal)
(Place and date)	(Signature)