Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

geld is een middel, geen doel

Blog

Blog

Hoe Achmea zijn (woekerpolis-)straatje schoon veegt....

Posted on July 29, 2014 at 8:10 AM

 

"Dag meneer Goedhart, met Achmea Adviesdiensten. Wij zijn uw tussenpersoon voor uw lijfrentepolis bij Avero Achmea. We willen het over uw lijfrentepolis hebben. Waarschijnlijk gaat u straks minder geld krijgen dan er nu in de polis zit en wat u er nog aan gaat betalen. We willen kijken of er een oplossing is”

- “Zoals”

“We kunnen die € 42.000 overlijdensrisico er uit halen en apart verzekeren tegen een goedkopere premie.”

- “42,000? Er is m.n. een nabestaandenlijfrente in de vorm van een overlevingsrente van € 9.000 per jaar ten behoeve van mijn vrouw verzekerd, toch?”

“Oh dat wist ik niet. Dat staat hier niet in mijn scherm. Ik zal even bellen met mijn collega van Avero.(..) Ja dat klopt. Er is een nabestaandenlijfrente.”

- “Kunt u me daar ook een alternatief voor bieden?”

“Nee. Dat product kennen we niet. Ook geen andere verzekeraar durf ik te beweren.”

- “Maar we kunnen het toch nabootsen? Een kapitaal verzekeren waaruit die € 9.000 per jaar moet voort komen? Zoals dat bij pensioen ook dagelijks gebeurt?”

“Oh, dat zullen ze bij de afdeling pensioenen vast wel kunnen. Wij kunnen dat niet bieden”.

- “Maar voor die € 42.000 kunt me wel een alternatief bieden?”

“Jazeker; hoe wilt u die verzekerd hebben? Gelijkblijvend of annuitair dalend?”

- “Liefst zoals nu. Als 110% van de waarde van de verzekering.”

“Dat kan niet. Dat product kennen we niet. Overigens: als we de overlijdensrisicoverzekering er uit halen en apart verzekeren, dan kan het geen lijfrente meer zijn”.

- “Waarom niet?”

“Dan wordt het een losse overlijdensrisicoverzekering. En dan kan er geen lijfrente uit voort komen”

- “Maar ik kan toch gewoon vragen om een lijfrentebepaling op de polis te zetten dat – zodra ik dood ga - het kapitaal beschikbaar komt en mijn vrouw er een nabestaandenlijfrente voor moet kopen?”

“Nee, dat kan niet. Dat product kennen we niet”

- “En als het geen lijfrente meer is, dan kan ik de premie ook niet meer aftrekken?”

“Nee, dat klopt.”

- “Dus….als ik gewoon alles verzekerd wil laten zoals het nu is, een lijfrenteverzekering met volledige aftrek van de premie dan ….”

“Dan kunnen wij u geen passende aanbieding doen. Dan schudden we elkaar de hand en alles blijft zoals het is”.

- “Eh… maar in feite zegt u dat u mijn risico van overlijden goedkoper kunt verzekeren?”

“Ja. Bij Centraal Beheer Achmea. Voor ongeveer een derde van de premie, die u bij Avero betaalt”.

- “Oke. Als u dat dan eens doet binnen mijn huidige verzekering bij Avero.

“Nee, dat kunnen wij niet. Daarvoor moet u bij Avero zijn.”

- “Maar u bent toch van hetzelfde concern? U bent van ACHMEA Adviesdiensten. Ik ben verzekerd bij Avero ACHMEA. Dat is toch dezelfde club?”

“Nee, dat moet u anders zien. Avero Achmea staat los van ons”

- “Maar u had het net over ‘uw collega bij Avero Achmea’?”

“Toch moet u dat anders zien.”

- “En als ik dat niet anders wil zien?”

“Dan is dat uw keuze. Kan ik u verder nog van dienst zijn?”

- “Eh…nou nee…ik zou niet weten hoe u mij überhaupt van dienst bent geweest…U begint met mij te bellen, te zeggen dat mijn overlijdensrisico in feite goedkoper te verzekeren is, maar dat het dan plotseling geen lijfrenteverzekering meer is en dat - omdat ik dat wel graag wil - u dan geen alternatief bieden, omdat ik ‘iets anders wil’…. (?) Hoe kunt u dan vragen of u mijn  nog van dienst kan zijn? Had u vantevoren niet kunnen bedenken dat u mij geen vergelijkaar alternatief kan bieden?'

“Nee. U wilt niet veranderen, dus dan laten we het zo. Dan wens ik u nog een prettige middag.”

 

Een wat verkorte versie van een hersteladviesgepsrek, waar Achmea midden in de zomer bij mij mee aan komt zetten. Dat tot niets leidt als IK (als consument) in feite gewoon DEZELFDE DEKKING wil houden omdat het mij past, maar ACHMEA de bestaande DEKKING NIET OP EEN ALTERNATIEVE MANIER KAN BIEDEN omdat het ACHMEA niet past. Omdat ze ‘het product niet kennen’ , het niet binnen hun systemen past, ze welke andere reden dan ook hebben om mij niet tegemoet te komen.


Vinkjescultuur....

 

ACHMEA kan nu wel lekker een vinkje achter mijn naam zetten in hun rapportage naar de AFM. “Klant benaderd. Wilde niet meewerken aan een wijziging. Situatie ongemoeid gelaten…..”

 

Nu maar hopen dat ik nog eens antwoorden krijg op mijn klacht en vragen, die ik twee maanden geleden heb gesteld aan de directie van Achmea ‘leven en pensioen’.

 

Zorgen….

 

Ik maak me zorgen. Ik heb toevallig ‘een beetje’ verstand van levensverzekeringen. Ik kan doorvragen, de consequenties overzien. Hoeveel andere consumenten zullen dat kunnen? Hoeveel consumenten zullen op een alternatieve aanbieding in gaan ‘omdat het goedkoper is’, maar waarbij dan de lijfrentevorm verlaten wordt, terwijl daar ooit bewust voor is gekozen? Hoeveel consumenten zullen – als ze wel een lijfrente willen houden – dan maar gewoon te duur voor overlijdensrisico verzekerd blijven? Terwijl in feite aangetoond wordt dat Achmea het met minder premie voor het overlijdensrisico kan doen?

 

Nu is dit toevallig bij Achmea. Maar bij hoeveel andere verzekeraars speelt dit?

 

Ik vermoed dat dit een actie van Achmea is geweest in het kader van de ‘hersteladvies-push’van de AFM. En dat ze al lang blij waren weer een vinkje te kunnen zetten….

 

Ontwoekeren….

 

Woekerpolissen vragen nog steeds meer aandacht dan ze krijgen. Een heleboel consumenten worden nog flink genomen door de verzekeraars.

Volgens mij is er heel eenvoudige oplossing. Verzekeraars stellen binnen de bestaande producten het tarief voor bijvoorbeeld overlijdensdekking, de premie per eenheid verzekerd bedrag naar beneden bij. Ze verlagen ook nog eens de kosten. En het probleem is opgelost. Maar met dit soort gesprekken in mijn achterhoofd vrees ik het ergste. Het woekerpolisdossier woekert waarschijnlijk nog vele jaren door, waarbij verzekeraars met grote bezems bezig zijn. Hun straatje schoon te vegen…..

 

Categories: Financiele advisering, Consumentenbelangen

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

22344 Comments

Reply Geraldprall
8:21 AM on December 7, 2022 
????????? ???????? ? ???? ???????????? ?????? ??????? ?????? ??????? ?????
Reply Expalslox
7:32 AM on December 7, 2022 
finasteride 5 mg generic tablets What makes this study unique is it involves people eating watercress in easily achievable amounts, to see what impact that might have on known bio markers of cancer risk, such as DNA damage
Reply kyrie 7 shoes
7:24 AM on December 7, 2022 
My wife and i ended up being absolutely relieved that Emmanuel managed to finish off his web research through the entire ideas he made using your web pages. It is now and again perplexing to simply happen to be handing out tactics some others might have been selling. So we realize we now have you to appreciate for this. The main illustrations you made, the simple blog menu, the relationships you help to foster - it is everything overwhelming, and it is assisting our son in addition to us reckon that the situation is pleasurable, and that is exceptionally pressing. Thank you for the whole thing!
kyrie 7 shoes http://www.kyrie7.us
Reply apiwucohpuiqu
6:51 AM on December 7, 2022 
L uni.nyby.rgkpf.nl.lsj.zo cartilages [URL=http://altavillaspa.com/drugs/emorivir-information/ - [/URL - [URL=http://ifcuriousthenlearn.com/amoxil-generic-pills/ - [/URL - [URL=http://yourbirthexperience.com/generic-ivermectin-from-canad
a/ - [/URL - [URL=http://beauviva.com/frusenex/ - [/URL - [URL=http://sci-ed.org/stromectol/ - [/URL - [URL=http://monticelloptservices.com/product/monuvir/ - [/URL - [URL=http://damcf.org/item/testosterone-anadoil/ - [/URL - [URL=http://lbprintery.net/prednisone-walmart-price/ - [/URL - [URL=http://reso-nation.org/item/hydroxychloroquine/ - [/URL - [URL=http://columbiainnastoria.com/cialis-20-mg-price/ - [/URL - [URL=http://americanazachary.com/tinidazole/ - [/URL - [URL=http://mplseye.com/item/flomax/ - [/URL - [URL=http://monticelloptservices.com/product/clonidine/ - [/URL - [URL=http://davincipictures.com/propecia/ - [/URL - [URL=http://foodfhonebook.com/vibramycin/ - [/URL - [URL=http://sci-ed.org/item/lasix/ - [/URL - [URL=http://livinlifepc.com/buy-lasix/ - [/URL - [URL=http://yourbirthexperience.com/item/clomid/ - [/URL - [URL=http://glenwoodwine.com/tadapox/ - [/URL - [URL=http://ifcuriousthenlearn.com/prazosin/ - [/URL - [URL=http://disasterlesskerala.org/item/propecia/ - [/URL - [URL=http://transylvaniacare.org/tricor/ - [/URL - [URL=http://disasterlesskerala.org/lasix/ - [/URL - [URL=http://techonepost.com/product/nizagara/ - [/URL - [URL=http://bayridersgroup.com/product/priligy/ - [/URL - [URL=http://impactdriverexpert.com/bactrim/ - [/URL - [URL=http://sunlightvillage.org/product/levitra/ - [/URL - [URL=http://monticelloptservices.com/product/nolvadex/ - [/URL - [URL=http://monticelloptservices.com/diovan/ - [/URL - [URL=http://eastmojave.net/nizagara/ - [/URL - budgeting angiomas, http://altavillaspa.com/drugs/emorivir-information/ http://ifcuriousthenlearn.com/amoxil-generic-pills/ http://yourbirthexperience.com/generic-ivermectin-from-canada/ http://beauviva.com/frusenex/ http://sci-ed.org/stromectol/ http://monticelloptservices.com/product/monuvir/ http://damcf.org/item/testosterone-anadoil/ http://lbprintery.net/prednisone-walmart-price/ http://reso-nation.org/item/hydroxychloroquine/ http://columbiainnastoria.com/cialis-20-mg-price/ http://americanazachary.com/tinidazole/ http://mplseye.com/item/flomax/ http://monticelloptservices.com/product/clonidine/ http://davincipictures.com/propecia/ http://foodfhonebook.com/vibramycin/ http://sci-ed.org/item/lasix/ http://livinlifepc.com/buy-lasix/ http://yourbirthexperience.com/item/clomid/ http://glenwoodwine.com/tadapox/ http://ifcuriousthenlearn.com/prazosin/ http://disasterlesskerala.org/item/propecia/ http://transylvaniacare.org/tricor/ http://disasterlesskerala.org/lasix/ http://techonepost.com/product/nizagara/ http://bayridersgroup.com/product/priligy/ http://impactdriverexpert.com/bactrim/ http://sunlightvillage.org/product/levitra/ http://monticelloptservices.com/product/nolvadex/ http://monticelloptservices.com/diovan/ http://eastmojave.net/nizagara/ dysplasia, fingers.
Reply air jordan
6:40 AM on December 7, 2022 
Thank you a lot for giving everyone an extraordinarily marvellous possiblity to check tips from this web site. It really is very amazing and also stuffed with a great time for me and my office peers to visit your blog at least 3 times per week to find out the fresh items you will have. And lastly, I am certainly fulfilled for the gorgeous guidelines you serve. Some two points in this article are truly the most efficient I have ever had.
air jordan http://www.cheapjordan.us
Reply kyrie 7
6:39 AM on December 7, 2022 
I would like to convey my appreciation for your kindness supporting individuals that should have guidance on in this field. Your special dedication to getting the solution all-around ended up being extraordinarily productive and have surely empowered guys and women just like me to achieve their goals. Your personal informative suggestions signifies this much a person like me and still more to my office workers. Thanks a ton; from everyone of us.
kyrie 7 http://www.kyrie-7.com
Reply golden goose
5:06 AM on December 7, 2022 
I want to show some thanks to the writer for bailing me out of this particular difficulty. Right after checking throughout the internet and finding ways that were not productive, I figured my entire life was well over. Living minus the strategies to the issues you have solved by way of the article content is a crucial case, as well as the kind that could have adversely damaged my career if I had not come across your blog. Your personal training and kindness in handling the whole thing was invaluable. I don't know what I would've done if I hadn't discovered such a thing like this. I am able to at this point relish my future. Thank you so much for this impressive and effective guide. I won't hesitate to suggest your web page to anyone who wants and needs support on this area.
golden goose http://www.golden-goosesoutlet.com
Reply Golden Goose
4:52 AM on December 7, 2022 
I wish to express some thanks to this writer for bailing me out of this type of trouble. Right after searching throughout the the web and finding recommendations which are not helpful, I assumed my life was done. Existing without the answers to the issues you have resolved by means of your main guideline is a crucial case, and those that would have negatively affected my career if I hadn't noticed your blog. Your personal ability and kindness in controlling all things was invaluable. I am not sure what I would have done if I hadn't discovered such a solution like this. I can also at this point relish my future. Thanks very much for your specialized and sensible guide. I won't think twice to suggest the sites to anybody who should get support on this problem.
Golden Goose http://www.goldengoosedeluxebrand.us.com
Reply David
4:28 AM on December 7, 2022 
Thank you for your article. I really enjoyed reading your post, and hope to read more
https://sites.google.com/view/paypalloginusa/ |
https://web.sites.google.com/view/paypal-loginsignin/
Reply nike x off white
4:16 AM on December 7, 2022 
I have to convey my affection for your kind-heartedness for those who really need help on the subject matter. Your very own commitment to passing the message along ended up being definitely significant and have without exception allowed employees like me to attain their dreams. Your personal insightful useful information implies a great deal to me and even further to my mates. Thanks a ton; from each one of us.
nike x off white http://www.nikexoffwhite.com
Reply chrome hearts
4:01 AM on December 7, 2022 
Thank you so much for providing individuals with such a nice possiblity to read in detail from this web site. It's usually so pleasurable and full of a great time for me and my office acquaintances to search your blog nearly thrice every week to learn the newest guides you will have. And of course, I'm usually happy considering the superb methods you serve. Certain two ideas on this page are rather the simplest we have all had.
chrome hearts http://www.chromehearts.com.co
Reply murbaruhoq
3:11 AM on December 7, 2022 
Neostigmine gcm.dfja.rgkpf.nl.tzm.rt she chasing [URL=http://impactdriverexpert.com/fildena-coupons/ - [/URL - [URL=http://eastmojave.net/strattera/ - [/URL - [URL=http://sunsethilltreefarm.com/lasix/ - [/URL - [URL=http://center4family.com/cheap-viagra/ - [/URL - [URL=http://mplseye.com/product/ed-sample-pack/ - [/URL - [URL=http://lbprintery.net/flomax/ - [/URL - [URL=http://monticelloptservices.com/diovan/ - [/URL - [URL=http://frankfortamerican.com/torsemide/ - [/URL - [URL=http://umichicago.com/nizagara/ - [/URL - [URL=http://heavenlyhappyhour.com/molnupiravir/ - [/URL - [URL=http://ifcuriousthenlearn.com/prednisone-generic/ - [/URL - [URL=http://lbprintery.net/vardenafil/ - [/URL - [URL=http://outdoorview.org/item/prices-for-bactrim/ - [/URL - [URL=http://techonepost.com/product/purchase-lasix-without-a-pres
cription/ - [/URL - [URL=http://americanartgalleryandgifts.com/item/best-price-nizaga
ra/ - [/URL - [URL=http://sunsethilltreefarm.com/viagra-canada/ - [/URL - [URL=http://yourbirthexperience.com/cialis-pills/ - [/URL - [URL=http://minimallyinvasivesurgerymis.com/movfor/ - [/URL - [URL=http://monticelloptservices.com/propranolol/ - [/URL - [URL=http://sunlightvillage.org/drug/isotretinoin/ - [/URL - [URL=http://heavenlyhappyhour.com/product/nizagara/ - [/URL - [URL=http://yourbirthexperience.com/item/order-pharmacy/ - [/URL - [URL=http://sci-ed.org/item/cialis/ - [/URL - [URL=http://fountainheadapartmentsma.com/product/paxlovid/ - [/URL - [URL=http://bayridersgroup.com/propecia/ - [/URL - [URL=http://monticelloptservices.com/pharmacy/ - [/URL - [URL=http://center4family.com/item/amoxicillin-on-line/ - [/URL - [URL=http://oliveogrill.com/prednisone-20-mg/ - [/URL - [URL=http://umichicago.com/diovan/ - [/URL - [URL=http://lbprintery.net/on-line-prednisone/ - [/URL - entries characterize premed http://impactdriverexpert.com/fildena-coupons/ http://eastmojave.net/strattera/ http://sunsethilltreefarm.com/lasix/ http://center4family.com/cheap-viagra/ http://mplseye.com/product/ed-sample-pack/ http://lbprintery.net/flomax/ http://monticelloptservices.com/diovan/ http://frankfortamerican.com/torsemide/ http://umichicago.com/nizagara/ http://heavenlyhappyhour.com/molnupiravir/ http://ifcuriousthenlearn.com/prednisone-generic/ http://lbprintery.net/vardenafil/ http://outdoorview.org/item/prices-for-bactrim/ http://techonepost.com/product/purchase-lasix-without-a-prescript
ion/ http://americanartgalleryandgifts.com/item/best-price-nizagara/ http://sunsethilltreefarm.com/viagra-canada/ http://yourbirthexperience.com/cialis-pills/ http://minimallyinvasivesurgerymis.com/movfor/ http://monticelloptservices.com/propranolol/ http://sunlightvillage.org/drug/isotretinoin/ http://heavenlyhappyhour.com/product/nizagara/ http://yourbirthexperience.com/item/order-pharmacy/ http://sci-ed.org/item/cialis/ http://fountainheadapartmentsma.com/product/paxlovid/ http://bayridersgroup.com/propecia/ http://monticelloptservices.com/pharmacy/ http://center4family.com/item/amoxicillin-on-line/ http://oliveogrill.com/prednisone-20-mg/ http://umichicago.com/diovan/ http://lbprintery.net/on-line-prednisone/ pneumothoraces, beliefs ear-drum contract.
Reply bape hoodie
2:10 AM on December 7, 2022 
Thank you so much for providing individuals with an exceptionally brilliant opportunity to read in detail from here. It really is so superb and also stuffed with a great time for me personally and my office co-workers to visit the blog at least 3 times in one week to find out the newest issues you have. And definitely, we're certainly astounded with your astounding thoughts you serve. Selected two facts in this article are without a doubt the most effective we have all had.
bape hoodie http://www.bapeshoodie.com
Reply jordan shoes
1:18 AM on December 7, 2022 
I needed to draft you the little note to be able to say thanks a lot yet again for your personal breathtaking tricks you've featured on this page. It's incredibly generous of you to grant easily what exactly most of us could possibly have distributed for an e-book to make some cash for their own end, specifically given that you could possibly have done it in the event you wanted. These secrets likewise worked as the great way to comprehend some people have the identical zeal like my very own to understand lots more around this problem. Certainly there are a lot more fun moments ahead for individuals who go through your website.
jordan shoes http://www.jordan11retro.us.com
Reply bape outlet
12:54 AM on December 7, 2022 
I and my guys came looking through the good tips located on the website and then the sudden came up with an awful suspicion I had not expressed respect to the site owner for those tips. My guys are already for this reason glad to read all of them and already have in reality been using these things. Appreciation for getting indeed helpful and also for using this kind of fabulous themes millions of individuals are really wanting to be informed on. Our own honest apologies for not expressing gratitude to you sooner.
bape outlet http://www.bape.us.org
Reply jack Buffett
11:33 PM on December 6, 2022 
It’s brilliant to pay interest from you I’m achieving out about your content material cloth cloth material you provide me with an updates of technology American express login | Bank of America login | Wells Fargo login
Reply curry shoes
10:40 PM on December 6, 2022 
Thanks for each of your hard work on this website. Gloria really likes engaging in internet research and it's really easy to understand why. Most people know all concerning the dynamic method you produce practical items through this blog and even welcome contribution from visitors on the situation then my simple princess is without question being taught a lot of things. Enjoy the remaining portion of the new year. You are always carrying out a superb job.
curry shoes http://www.curry-shoes.net
Reply hermes birkin
9:06 PM on December 6, 2022 
I would like to express some appreciation to the writer for rescuing me from this matter. Just after researching throughout the world-wide-web and seeing ways that were not pleasant, I was thinking my entire life was gone. Living minus the strategies to the difficulties you've solved by way of your good short article is a critical case, and ones that would have in a wrong way affected my career if I had not discovered your site. That expertise and kindness in playing with the whole lot was precious. I'm not sure what I would've done if I hadn't encountered such a subject like this. It's possible to at this moment look ahead to my future. Thanks a lot so much for the professional and result oriented help. I won't be reluctant to recommend your blog post to any person who needs tips on this issue.
hermes birkin http://www.hermesbirkins.com
Reply off white
9:03 PM on December 6, 2022 
My wife and i ended up being now contented when Jordan could do his inquiry using the ideas he came across out of your weblog. It is now and again perplexing to just always be releasing techniques which people might have been trying to sell. We really fully understand we have you to thank because of that. All the illustrations you made, the simple site menu, the friendships you assist to promote - it is most incredible, and it's aiding our son in addition to us reason why this concept is awesome, which is truly mandatory. Many thanks for everything!
off white https://www.offwhitesoutlet.com
Reply supreme clothing
5:59 PM on December 6, 2022 
My husband and i got absolutely fortunate that Ervin managed to finish up his research because of the precious recommendations he was given in your blog. It's not at all simplistic just to be releasing secrets that people might have been trying to sell. We take into account we've got you to thank for that. Those explanations you've made, the straightforward site navigation, the relationships you help to instill - it's many fantastic, and it's really aiding our son and us do think that issue is interesting, and that's tremendously mandatory. Thank you for everything!
supreme clothing http://www.supreme-clothing.us.org