Do children need insurance?
Barbara W. tells me that the other day a man was standing in front of her apartment door and said, "I'm from the child care office." She and her husband had never heard of that. Well, there are plenty of offices, the two thought. Already the man sat at the living room table - and then turned out to be just a normal insurance agent. "He really wanted to sell us an 'all-round insurance policy' for our four-week-old daughter," reports Barbara W. "After a vivid account of all the dangers that threaten her from now on (including old-age poverty), we were soft-tapped: The application was pending But we still wanted to think a bit more, especially since we currently have little money left. "
Barbara W. and her husband are by no means the only ones haunted by a representative from the "Kinderversorgungsamt". Luckily they did the right thing: they complimented the man from the apartment and made inquiries. In fact, this story is a nasty trick of half-silk representatives. It's easy to get to the addresses: they read the birth announcements in the local press - and then frighten and pressure the young families.
Do not let anyone in!
I can only give you the advice: do not let anyone over your threshold, who stands unannounced at the door, and do not bother anyone who calls you unbidden! With absolute certainty, this is the most inappropriate time to worry about wealth planning and hedging. In my opinion, it's never "just" about securing a child or a simple savings plan: every insurance and savings plan you make should always be a building block in total wealth planning for the years to come. That must be well considered!
Helma Sick
Because readers keep asking me, What parents can and must actually do for their little child to secure: Surely such a small child does not need a policy for retirement! A must for children in general, however, is a child disability insurance, in the accident and illness are equally insured. After all, children are at high risk of accident because they often act carelessly and can not properly assess possible dangers. An accident in childhood can have serious and lifelong consequences - then at least the material damage should be covered.
Book tip: Helma Sick has revised and expanded her current ChroniquesDuVasteMonde book "If I dreamed I'd dream better, plan is better". For example, the final withholding tax. The practical guide for women with many examples from the practice of the financial expert has been published by Diana (254 pages, 8.95 euros)
