Laufende Verzinsung der Rürup Versicherer
Hier finden Sie eine Übersicht der laufenden Verzinsungen deutscher Versicherer im zeitlichen Verlauf.
Dabei ist die „laufende jährliche Verzinsung“ abzugrenzen von der „Gesamtverzinsung“ der Versicherer. Die laufende Verzinsung wird durch Schlussüberschüsse sowie Beteiligungen an den Bewertungsreserven erhöht.
Die Allianz beispielsweise bietet in 2016 für Rürup Renten Verträge eine laufende Verzinsung von 3,10%. Diese wird durch den Schlussüberschuss sowie einen Sockelbetrag für die Beteiligung an den Bewertungsreserven um 0,6% auf 3,70% Gesamtverzinsung erhöht. Bei Zinsangaben sollten Verbraucher somit immer darauf achten, welcher Wert in Angeboten oder Publikationen angegeben wird. Dies ist der Grund, weshalb Angaben zur Gesamtverzinsung der Versicherer von den unten stehenden Werten positiv abweichen können.
| Versicherer | Marktanteil | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|
| Aachen Münchner | 3,50% | 3,00% | 3,25% | 3,50% | 3,75% | 4,20% | 4,20% | 4,20% | 4,20% | |
| Allianz | 17,41% | 2,80% | 3,10% | 3,40% | 3,60% | 3,60% | 4,00% | 4,10% | 4,30% | 4,50% |
| Alte Leipziger | 2,13% | 2,65% | 3,05% | 3,05% | 3,35% | 3,35% | 3,85% | 4,10% | 4,10% | 4,10% |
| Arag | 0,27% | 2,80% | 2,80% | 2,80% | 3,25% | 3,50% | 3,50% | 4,00% | ||
| Asstel | 0,26% | 3,30% | 3,50% | 3,80% | 4,00% | 4,00% | 4,60% | |||
| AXA | 2,23% | 2,90% | 3,10% | 3,40% | 3,40% | 3,65% | 3,80% | 4,00% | 4,30% | 4,00% |
| Barmenia | 0,23 | 2,40% | 2,75% | 3,00% | 3,25% | 3,75% | 4,00% | 4,00% | 4,00% | 4,25% |
| Basler | 0,70% | 3,40% | 3,50% | 4,10% | 4,10% | 4,48% | 4,48% | |||
| Bayerische Beamten | 0,35% | 3,60% | 3,80% | 4,30% | 4,10% | 4,50% | 4,00% | |||
| Bayern-Versicherung | 2,73% | 2,70% | 2,70% | 3,00% | 3,00% | 3,10% | 3,50% | 3,80% | 4,15% | 4,15% |
| Concordia | 0,15% | 2,70% | 3,00% | 3,50% | 3,60% | 4,00% | 4,20% | 4,40% | 4,40% | |
| Condor | 0,29% | 2,45% | 2,75% | 2,90% | 3,20% | 3,50% | 3,85% | 4,10% | 4,30% | 4,40% |
| Continentale | 0,69% | 2,70% | 3,00% | 3,25% | 3,50% | 3,85% | 4,15% | 4,30% | 4,60% | 4,60% |
| CosmosDirekt | 1,58% | 3,40% | 3,50% | 3,85% | 4,05% | 4,25% | 4,25% | 4,25% | ||
| DBV Deutsche Beamten | 1,36% | 2,90% | 3,10% | 3,40% | 3,40% | 3,65% | 3,80% | 4,00% | ||
| Debeka | 3,97% | 3,10% | 3,10% | 3,40% | 3,60% | 3,70% | 4,10% | 4,30% | 4,60% | 4,80% |
| Deutsche Ärzte Versicherung | 0,64% | 3,05% | 3,10% | 3,55% | 3,55% | 3,85% | 4,05% | 4,00% | 4,30% | |
| Deutscher Ring | 0,74% | Basler | Basler | Basler | Basler | 3,50% | 4,00% | 4,30% | 4,50% | 4,60% |
| DEVK Allg. | 0,55% | 3,00% | 3,50% | 4,00% | 4,10% | 4,10% | 4,40% | 4,60% | ||
| DEVK a.G. | 0,43% | 3,00% | 3,65% | 4,00% | 4,10% | 4,10% | 4,30% | 4,60% | ||
| Direkte Leben | 0,06% | 3,60% | 4,00% | 4,00% | 4,30% | 4,30% | 4,10% | |||
| Ergo | 3,89% | 2,25% | 2,70% | 2,70% | 3,20% | 3,20% | 3,80% | 4,00% | 4,00% | |
| Ergo Direkt | 0,84% | 2,75% | 3,20% | 3,20% | 3,40% | 3,60% | 4,00% | 4,10% | 4,10% | |
| Europa | 0,35% | 3,00% | 3,25% | 3,50% | 3,75% | 4,00% | 4,35% | 4,50% | 4,80% | 5,00% |
| Familienfürsorge | 0,22% | 2,55% | 3,00% | 3,00% | 3,00% | 3,25% | 4,00% | 4,10% | 4,25% | 4,15% |
| Generali | 4,90% | 2,25% | 2,25% | 2,90% | 3,15% | 3,50% | 3,60% | 4,00% | 4,00% | 4,35% |
| Gothaer | 1,34% | 2,00% | 2,50% | 3,10% | 3,30% | 3,50% | 3,80% | 4,00% | 4,00% | 4,50% |
| Hannoversche | 1,08% | 2,50% | 2,75% | 3,25% | 3,55% | 3,75% | 4,00% | 4,25% | 4,25% | |
| HanseMerkur | 0,23% | 2,60% | 2,60% | 3,05% | 3,40% | 3,65% | 4,00% | 4,25% | 4,50% | 4,50% |
| HanseMerkur24 | 0,01% | 3,40% | 3,65% | 4,10% | ||||||
| HDI (-Gerling) | 2,34% | 2,50% | 3,00% | 3,25% | 3,50% | 4,00% | 4,00% | 4,00% | ||
| Heidelberger Leben | 0,82% | 4,00% | 4,00% | 4,00% | 4,00% | 4,00% | 4,00% | |||
| Helvetai | 0,25% | 3,20% | 3,60% | 3,80% | 4,10% | 4,10% | 4,10% | |||
| HUK-Coburg | 0,78% | 2,70% | 3,00% | 3,25% | 3,50% | 3,75% | 4,00% | 4,25% | 4,25% | 4,25% |
| Ideal | 0,20% | 3,00% | 3,70% | 4,00% | 4,00% | 4,00% | 4,00% | 4,00% | 4,00% | 4,00% |
| Iduna | 1,54% | 2,25% | 2,60% | 3,25% | 3,60% | 4,00% | 4,10% | 4,30% | ||
| Inter | 0,12% | 2,50% | 2,75% | 3,00% | 3,30% | 3,60% | 3,75% | 3,75% | 3,50% | 3,50% |
| Interrisk | 0,08% | 3,40% | 3,85% | 4,05% | 4,40% | 4,40% | 3,50% | |||
| Itzehoer | 0,05% | 2,50% | 2,75% | 3,25% | 3,25% | 3,50% | 4,00% | 4,10% | 4,35% | 4,60% |
| Karlsruher | 0,08% | 2,40% | 2,75% | 3,50% | 3,75% | 4,00% | 4,00% | 4,25% | 4,50% | |
| LV 1871 | 0,72% | 2,55% | 2,75% | 3,00% | 3,20% | 3,50% | 3,85% | 3,85% | 3,85% | 3,85% |
| LVM | 0,90% | 2,65% | 3,00% | 3,25% | 3,50% | 3,75% | 4,00% | 4,25% | 4,55% | 4,75% |
| Mecklenburgische | 0,14% | 2,75% | 3,00% | 3,25% | 3,50% | 3,80% | 4,00% | 4,25% | 4,50% | 4,50% |
| MyLife | 0,06% | 2,80% | 3,35% | 3,85% | 4,05% | 4,05% | 4,25% | |||
| Neue Bayrische | 0,12% | 3,05% | 3,30% | 3,60% | 3,60% | 3,80% | 3,80% | 4,10% | 4,50% | 4,50% |
| Neue Leben | 1,28% | 3,25% | 3,50% | 3,75% | 4,20% | 4,40% | 4,60% | 4,60% | ||
| Nürnberger Beamten | 0,05% | 1,75% | 3,50% | 4,00% | 4,00% | 4,00% | 4,00% | 4,00% | ||
| Nürnberger | 2,85% | 2,75% | 3,00% | 3,25% | 3,75% | 4,00% | 4,00% | 4,00% | 4,00% | 4,00% |
| Oeco Capital | 0,05% | 3,10% | 3,10% | 3,50% | 4,00% | 4,25% | 4,25% | |||
| Öff. Berlin | 0,21% | 2,40% | 2,75% | 3,00% | 3,10% | 3,30% | 3,40% | 3,80% | 4,00% | |
| Öff. Braunschweig | 0,22% | 2,50% | 2,75% | 3,00% | 3,30% | 3,50% | 3,80% | 4,00% | 4,00% | 4,00% |
| Öff. Sachen-Anhalt | 0,16% | 2,75% | 3,25% | 3,25% | 3,60% | 4,00% | 4,15% | |||
| Öff. Oldenburg | 0,11% | 2,10% | 2,50% | 2,80% | 3,05% | 3,25% | 3,80 | 4,00% | 4,20% | 4,20% |
| PBV | 0,94% | 2,25% | 2,75% | 3,30% | 3,60% | 3,80% | 4,20% | 4,20% | 4,50% | 4,50% |
| Provinzial Hannover | 1,46% | 2,50% | 3,25% | 3,70% | 4,00% | 4,10% | ||||
| Provinzial NW | 0,83% | 2,25% | 2,75% | 3,00% | 3,25% | 3,50% | 3,80% | 4,00% | 4,30% | 4,50% |
| Provinzial Rheinland | 1,58% | 2,70% | 3,00% | 3,10% | 3,30% | 3,50% | 3,75% | 4,10% | 4,10% | |
| R + V a.G. | 0,01% | 2,90% | 3,55% | 4,00% | 4,00% | 4,30% | 4,50% | |||
| R+ V AG | 5,78% | 2,70% | 3,00% | 3,20% | 3,40% | 3,85% | 3,85% | 4,10% | 4,30% | 4,75% |
| Saarland | 0,17% | 2,70% | 3,00% | 3,00% | 3,10% | 3,60% | 3,80% | 4,00% | 4,25% | |
| SV Sachsen | 0,50% | 2,75% | 3,00% | 3,05% | 3,05% | 3,40% | 4,00% | 4,00% | 4,00% | |
| Stuttgarter | 0,56% | 2,30% | 2,80% | 3,30% | 3,60% | 4,00% | 4,20% | 4,40% | 4,60% | 4,60% |
| Süddeutsche | 0,06% | 2,80% | 3,10% | 3,40% | 3,90% | 4,10% | 4,30% | 4,40% | ||
| SV SparkassenVers. | 1,95% | 2,65% | 2,65% | 2,75% | 3,05% | 3,05% | 3,55% | 3,75% | 4,05% | 4,10% |
| Swiss Life | 1,54% | 2,25% | 2,25% | 3,00% | 3,00% | 3,30% | 3,50% | 3,80% | 4,10% | 4,10% |
| Targo | 1,12% | 2,80% | 3,10% | 3,70% | 4,00% | 4,30% | 4,60% | 4,80% | 4,80% | |
| Universa | 0,12% | 2,75% | 2,75% | 3,25% | 3,50% | 3,50% | 3,50% | 3,50% | 3,50% | 3,50% |
| VGH | 0,83% | 2,50% | 3,00% | 3,00% | 3,25% | 3,50% | 4,00% | 4,10% | 4,25% | 4,25% |
| VHV Leben | 0,02% | 2,75% | 3,00% | 3,50% | 3,75% | 4,00% | 4,10% | 4,30% | 4,30% | |
| Volkswohl Bund | 1,54% | 2,55% | 2,90% | 3,25% | 3,65% | 3,65% | 4,05% | 4,35% | 4,75% | 4,75% |
| WGV Leben | 0,05% | 2,75% | 3,25% | 3,50% | 3,70% | 4,00% | 4,10% | 4,30% | 4,30% | |
| Württembergische | 2,60% | 2,40% | 2,75% | 3,00% | 3,25% | 3,25% | 3,50% | 3,50% | 3,90% | 4,10% |
| WWK | 1,12% | 2,75% | 2,50% | 3,30% | 4,20% | 3,80% | 4,00% | 4,00% | ||
| Zürich | 4,61% | 2,10% | 2,30% | 2,80% | 3,00% | 3,00% | 3,35% | 3,70% | 3,80% | 3,80% |
| Durchschnitt ca. | 2,57% | 2,85% | 3,00% | 3,39% | 3,61% | 3,91% | 4,07% | 4,22% | 4,29% |
Quellen: www.assekurata.de, www.versicherungsjournal.de, www.cecu.de, eigene Recherche (Irrtümer vorbehalten)
Bei der Auswahl des richtigen Rürup Renten Versicherers stellt die Leistungsfähigkeit in Form der laufenden Verzinsung sowie Gesamtverzinsung ein wichtiges Kriterium dar. Hat ein Rürup Versicherer in der Vergangenheit eine hohe Kompetenz beim management der Kapitalanlagen bewiesen, so sind auch zukünftig bessere Zinsergebnisse wahrscheinlicher.
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