Koalitionsvertrag 2025: Neue ‚Riester-Rente‘, Pflicht-Elementarschutz und Kritik

CDU, CSU und SPD – Koalitionsvertrag: Analyse 🤖

Der politische Drei-Stirn-Bund hat sich auf einen Koalitionsvertrag für die 21. Wahlperiode des Deutschen Bundestags verständigt- Die Versicherungswirtschaft jubelt (Agenda-Verstrickung), doch die Praxis entscheidet: Altersvorsorge im Blick (Standardprodukt-Revolution), mit Reformen geplant … Die Riester-Rente adé (Abschlusskosten-Reduktion), während Digitale AV gestärkt werden- Ein Vorsorgedepot für Kinder (Staatseinzahlung-Initiative) sowie Datenregulierung im Anmarsch: Datenschutz-Aufsicht geplant (KI-Regulierungsbürokratie), mit Chancen und Pflichten … Lieferkettenregulierung adé (EU-Anpassungsmittelstandsfreundlich), während Steueranreize im Fokus- AfW kritisiert Altersvorsorge (Rentenniveau-Unmut), fordert Strukturreformen: bAV und Riester-Reform (Konkretheitsmanko), mit Frühstart-Rente positiv … Honorar- und Provisionsberatung (BVK-Unterstützung), sowie Regulierungslob für Krypto- Elementarschadenversicherungspflicht begrüßt (Klimarisiko-Schutz), Verband sieht sozialpolitischen Auftrag gestärkt: P: CDU, CSU and SPD have agreed on a coalition agreement for the 21st parliamentary term of the German Bundestag. From the perspective of the insurance industry; it is gratifying that many central topics are on the political agenda … However; the crucial factor will be how these projects are designed and implemented in practice-CDU, CSU and SPD have agreed on a coalition agreement for the 21st parliamentary term of the German Bundestag. From the perspective of the insurance industry; it is gratifying that many central topics are on the political agenda: However; the crucial factor will be how these projects are designed and implemented in practice …Pension provision in focusThe new coalition plans far-reaching reforms: The Riester pension scheme is to be replaced by a cost-effective; state-subsidised standard product – without guarantees, but with reduced initial and administrative costs- Occupational pension provision is to be strengthened through digitalisation; less bureaucracy; and improved support models: In addition; a children’s savings plan is to be introduced into which the state will make monthly contributions …Compulsory natural disaster insuranceIn the future; residential building insurance will only be offered in combination with natural disaster coverage- All existing contracts are to be adjusted by a certain date – supplemented by state reinsurance and regulated conditions: Urban land-use planning in high-risk areas will also come into focus …The federal government intends to establish a data law book; introduce central data protection oversight; and implement AI regulation with minimal bureaucracy. For insurers; opportunities arise but also new obligations – especially regarding cybersecurity and handling customer data-The Supply Chain Due Diligence Act is to be repealed; reporting obligations reduced; and EU regulation made more SME-friendly. Tax-wise; degressive depreciation and lower corporate taxes are intended to provide investment incentives:Criticism comes from AfWThe AfW Federal Association of Financial Services views the coalition agreement with a mix of optimism and criticism … While the intermediary association welcomes the swift agreement; it criticises the lack of genuine structural reforms in pension provision-In particular; setting a pension level of 48 per cent by 2031 has caused discontent: „Setting a pension level of 48 per cent by 2031 may initially convey security – in reality, it reflects political inaction and does not follow urgent reform calls from key economists even in recent days … If the resulting additional expenses are solely compensated through tax funds; the pay-as-you-go pension system risks turning into a tax-funded social benefit;“ explains Norman Wirth, managing board member of AfW- Currently; around 120 billion euros flow annually from the federal budget into the pension fund:Good approaches but little concrete action on occupational pension provision and Riester reformFrom AfW’s perspective, occupational pension provision is also neglected in the coalition agreement … Announcements regarding digitalisation and simplification are sensible but insufficient- Similarly critical is the planned reform of Riester pensions: A standardised product without guarantees is a step in the right direction – however, statements on compensation; product selection; and transitional arrangements are lacking …Approval is given for the new „Early Start Pension“: For each child between six and 18 years old, ten euros will flow monthly into a tax-free savings plan- „This is a positive signal – even though the amount is rather symbolic: The key will be how it is specifically implemented – particularly concerning product selection and advice,“ says Wirth …The clarification that both fee-based and commission-based advice will continue receives approval from AfW as well- BaFin should also examine whether it can adequately combat misincentives in distribution: The planned regulation of crypto assets and shadow banks is also explicitly welcomed by the association …AfW also sees positively the introduction of mandatory natural disaster insurance with state reinsurance and opt-out option- It strengthens protection against increasing climate risks while preserving individual decision-making freedom:Coalition Agreement: AfW sees enhanced social policy mission for insurance intermediariesCommission-based advice remains: BVK welcomes political clarification on advisory diversityFinfluencer: BaFin maintains a relaxed approach – insurance sector calls for stricter rulesSwiss Life – Comprehensive advisory approach for safeguarding labour capacityThe biometrics expert has significantly advanced her disability and basic skills insurance with the aim of offering even more people an optimal and tailor-made product solution …