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geld is een middel, geen doel

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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

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