Barbara Ries, Baloise: “The generation capital is not the only way to solve structural problems.”

Mrs. Dr. Ries, new to the local life insurance and internal service at Baloise in Germany since May 1, 2024. If you cast a lifelong glance, look at a risk manager and a capital market expert. Who is next for the Rentenpaket II and the Generation Plans of Federal Finance Minister Christian Lindner?

Ries: If the Federal Government is financing the set interest rates and the like, I think it is good and right. Generational capitalism will no longer solve the structural problems. The private and involved alternatives can make the difference between what and how. Wer zijn lebensstandard im Alter may maintain, must private ensure; that is what I have definitely exceeded.

Auch das Jahr 2024 ist geprägt vom Krieg in der Ukraine, dem Nahostkonflikt, Zukunfts- und Transformationsängsten, een verunsicherten Wirtschaft. Who wants to exclude the community with Baloise’s vision of life?

Ries: We sense a great insecurity and worry in the population. During this period, the life of the device can be changed, while one of the first lessons brings the enjoyment of the experience or some frightening experiences. At the same time, with a lifelong entry for a courteous long and healthier rest. The perpetual desire for security marks are in the question of our products.

As of January 1, 2025, a guarantee of 0.25 applies to a product, which is initially valid for 30 years. There are a few life insurance policies available that offer a guarantee on the life insurance, which will disappear in those years. Who is Baloise?

Ries: We launched a bundled version of Baloise Best Invest on April 29, with our knowledge and skills that will deliver new profitable stocks in 2025. In the BU and Basic Insurance a Better Position will be tested and adjusted to your wishes. The basis of the Calculation Logic must be used in the products of the new production, so that the conditions can no longer be filled. The customers and customers can also be a risk, if they get a distorted picture of a decline for a year.

For years the credo has been going on: Security in the Old Preservation. Before the background of the Niedrigzinsfase must begin, people must learn, in the alternative German opportunities to invest. Do you want to know if the guarantee period has been extended?

Ries: I do not believe in a great flaky Renaissance of the Classics. If it is good, then it is so that the alternatives have a hopeless effect in the long term and perhaps bladder infections can occur. In some phases of life it can be a shame to give up the most oriented anzulegen, that is the flexibility that is great. We offer here a variable Aufteilung von Beiträgen and Guthaben in Fonds and Sicherungsvermögen an.

If the alternatives present themselves, the German language in the sparziele nicht erreichen is. Wasn’t it the case that the Rentenlücke was no bigger?

Ries: I stop Transparenz for weighty. Most people are vermutlich, when they party, the bigger the differences in the change of their life are, the standard is. Here our partner partners and -partners with a professional beratung can solve the problems.

If you have a new fund policy on the market for a year by the Baloise Best Invest, the broker market has reacted positively. What is the trend?

Ries: Our war is tough, an excellent product in terms of cost, flexibility and certainty of success. If you make a choice, there are many product features with a cost cover, with a high interest guarantee and the flexible financing and guarantee insurers that can have products so that you can expect a positive new trend.

Who is the Baloise Best Invest Fund Palette and what guarantees are there on the rental guarantee and the rental guarantee phase?

Ries: Baloise Best Invest has put together a portfolio of 120 tested funds. If all relevant market sales occur, they are institutional tranches, ETFs, investment funds or managed variants of selection. All funds are tested four times a year. Now that the quality fund is on the list, no more funds have appeared. Baloise has completed the 4th time in following the assessment for individual fund selection to erase a medal place. Today our product offers a high guaranteed interest rate. During the guarantee period, this factor will be further expanded in 2025. Our knowledge and skills can offer a higher interest rate guarantee on the rental prices.

Stichwort Lebenszyklus: The Corona pandemic that has escalated, who is likely to cause an attack in the Ansparphase. What are the possible aspects of your life?

Ries: The Best Invest is one of the flexible private alternative products on the German market. The basic principles are in the Ansparfase of the management and the absence of the Beitrage, such as Suspense, Acquisition and Fund Exchange. One of the USPs is the Schieberegler, with the knowledge and the knowledge you can separate könen, you whoever Prozent in Fund beziehungsweise in Sicherungsvermögen von Baloise angelegt is. Baloise offers flexibility in the rental phase, and at the Question, who wants to rent the Capital man and in the form of the Auszahlungen erfolgen sollen.

The challenge is a megatrend. Who is the fund selection in that area? The BaFin hat has an active effect on the processing of the Vertriebs at the Abfrage of Präferenzen-revorgehoben. What relevance does the topic have now for the turnover in the alternative sector? And who sees the customers?

Ries: Self-understanding beet with a series of sustainable funds and. The amount of the ESG fund-parts in the closed polices-is rising, but relatively slowly. We have set up our partner partners and partners with debts, underlays and rates, and with the vast majority of the theme this can be expanded in the future. A number of brokers and brokers specialize in a sustainable period, the more power comes from the customer wishes. Make sure that you no longer prioritize the most knowledge and skills, that you think about the alternative solutions, that there is attention and certainty. If that is not the case yet, it is a Plus.

First insurer integrates Eltifs 2.0 in its Fund Police Offer in the private alternatives. Has Baloise found a product?

Ries: With the new amendment of the ELTIF regulation with the transition to asset classes is possible, the later only institutional or very wealthy investors and investors are exposed. Trading as well as customers and clients will be clearer, that is an illiquid investors trade, which is only thought for its long-term investments and not for flexibility at the investor. If you have a greater flexibility, you can make a plan with no product.

Baloise belongs to the renowned biometric providers on the German biometric market. The sensitivity to biometric analysis can cause war in particular in the pandemic. However, advice on risk-life insurance is in Germany nor German air above. If the GDV has once received a 17.2 percent of the main products of a risk-life insurance. Is this a question of sensitivity?

Ries: In the case of houses with children, the pressure is considerably higher and is above 40 percent. All you have to do is take one of the most common risks on a risky approach. A young couple is a child who is not in the start-up phase and can concentrate on the liquid that is in other investments. If you are right, the risk survival will only be a small amount of the brokers and brokers active. If you want, you can immerse the core of the vision of young couples and families in attractive rental boats. For example, we offer young people an excellent price-performance ratio and an expected retirement.

Go to the BU-Versicherern establishments on the Maklermarkt. Who has his BU-Geschäft untangled?

Ries: Current meet with our own are ambitious recommendations, we are very happy. If you look at the feedback on the market, you can find the opinion of the Baloise on the non-working machine. We put a lot of value on very good service. The know-how and skills we need are lobbed. It is important that you get a wide range of beds and an attractive price-performance-relationship-essence. The right balance for all success elements seems to be a guarantee for more than 20,000 new delays. This story is about the big changes in the year 2020. At the end of June, a new update followed with market changes, which hindered the absence of Lokführerinnen and Lokführern at the pleasure of the Triebwagenführerscheins.

Actual research, which has happened in the offending population, nor was uncertainty about the theme BU herrscht. Who can and should provide corrective and corrective measures here?

Ries: We are interested in purchasing Transparenz and Bewusstsein as well as offering good solutions. Schließlich können wir eines der wegigsten Grundbedürfnisse des Menschen erüllen: Autonomy. People can be divorced themselves if they form a property and consider part of their life as hereditary. A more important Schritt is a judicial ban. If you have living standard jewelry, you can also be flexible and choose other options. A Beispiel is de Baloise Berufsunfähigkeitsversicherung Cash+. Here the interest would be a support-free capital of EUR 90,000 for free indulgence. A careful consideration for personal care includes the basic considerations.

The processing of the product information is one of the best products, which you can use or which you can use in the fall of 45 years long in the file and no longer. The reapproval orders therein, if you are so shaped, that they also in three or four years still past. Which Clauseln and Bausteine ​​​​must be integrated into a tariff, is it with the commotion and private Strides mithalten kann?

Ries: Kundinnen und Kunden erwarten im Leistungsfall schnelle und Zuverlässige Unterstützung. These erwartungen activities are linked for the purpose of leistungsprotection to the Arbeitsunfähigkeitsschutz and Leistungen with a fuller gesetzlicher Erwerbsminderungsrente or with the schweren Erkrankungen with Krebs. Grundsätzlich müssen Nachversicherungsgaranties ohne erneute Gesundheitsprüfung vorhanden sein, die sicherstellen, datss bestimmten Ereignissen – wie zum Beispiel Heirat, Geburt eines Kindes, Hauserwerb, Career progresses – the different BU-Interest can be adjusted. It’s a shame to get a dynamic in the company. You may find yourself lost track of time or in the midst of your research.

Interview: Jörg Droste, Cash.