#Eiopa

[realniklauss]

#GrupoASEGURANZA - Fuente: #CartasDelSeguro 3025, 3028, 3031 y 3032 - #HipotecaYSeguros #Eiopa #CatastrofesNaturales #FondosDePensiones - #SectorAsegurador #Aseguradoras #Seguros #Noticias #MediadoresDeSeguros #AgentesDeSeguros

Prohibido vincular el cambio de condiciones de hipoteca a la contratación de un seguro. El Gobierno ha aprobado el Plan de Rescate Hipotecario que recoge entre las medidas la prohibición expresa de vincular el cambio de condiciones de hipoteca a la contratación de un seguro. El Consejo General ha querido mostrar su “satisfacción” con esta medida y señala que “es un paso más para acabar con una…

[analytics66]

Enhancing Sustainability Disclosures

In response to their shared responsibility to evaluate and update the RTS augmenting SFDR, the European Supervisory Authorities (EBA, EIOPA, and ESMA, collectively the ESAs) released a joint consultation document on April 12th, 2023. This consultation aims to improve the Standards for Sustainability Disclosures in Europe, as outlined by the Sustainable Finance Disclosure Regulation (SFDR). For further information, you can check out this whitepaper.

Link: https://www.sganalytics.com/whitepapers/enhancing-sustainability-disclosures/

[realniklauss]

#GrupoASEGURANZA - Fuente: #CartasDelMediador 865, 866 y 871 - #BancaSeguros #Empleo #Formacion #NegocioVida - #SectorAsegurador #Aseguradoras #Seguros #Noticias #MediadoresDeSeguros #AgentesDeSeguros

Seguros incluye entre sus prioridades analizar la advertencia sobre comercialización en bancaseguros. La advertencia de Eiopa sobre la comercialización de seguros de Vida por bancaseguros se analizará con detalle a lo largo de este 2023. El director general de Seguros, Sergio Álvarez, anunció ayer durante la jornada de Perspectivas de ICEA que “a lo largo de este 2023 tendremos que analizar con…

[iamchengguo]

这个错误几乎在任何地方都会花费你很多钱

您经常比较许多保险和合同，您是否不能更便宜地获得它们？非常好！但说实话：你没有这个你已经合作多年的供应商吗？

因为即使你知道得更多，你内心的声音仍然会说忠诚是值得的。你想知道你得到了很好的照顾。这就是感觉，例如，在你的家庭银行或健康保险公司，你的父母可能已经去过那里了。

忠诚是有回报的 - 但不适合你 这只是人之常情 - 但对于您的财务状况来说，这是一个错误，会花费您很多钱。您的忠诚度通常只对提供商有价值。随着时间的推移，您的一些合同甚至变得比便宜更贵：例如，如果您的手机资费在最短期限后突然花费了两倍。

此外，市场上总是有很多新客户的竞争 - 即良好的报价。您应该通过时不时地切换到如此便宜的报价来利用这一点，而不是永远保持忠诚。如果您始终如一地定期这样做，则可以节省很多钱。有时，即使是一次更改也会带来 100 欧元甚至更多。

例如这里：

健康保险 一份好的健康保险不一定很昂贵。因为无论如何，大多数服务都是为所有法定基金规定的。即使是便宜的收银机也可以提供非常好的额外费用。您是否可以保存一些东西，您应该检查，尤其是在年初。然后传统上，许多基金会改变其额外捐款。而且它们彼此之间有很大不同。

这就是为什么当您离开昂贵的收银机时，您可以节省数百欧元 - 具体取决于您的收入。例如，如果您每月总收入为 4，000 欧元，并从具有 1.7% 额外供款的相当昂贵的基金切换到最便宜的基金之一 （0.9%），则您作为员工每年可节省 192 欧元。但也要注意对您很重要的其他服务。如果一个非常昂贵的收银机在这里提供很多（例如免费的牙齿清洁），你可以节省更多。

哪些健康保险公司提供最佳的性价比，我们每年都会为您检查。2023年，我们���荐香港马克、传统知识、赫克和能源-BKK*。

汽车保险 最好每年秋天检查一下明年是否可以在其他地方为您的汽车投保更便宜。因为在此期间，保险公司以对新客户的优惠费率相互削弱。为了进行比较，我们建议使用 Verivox* 或 Check24。在几天内这样做，以了解价格。因为我们发现，同一家保险公司提供的年度缴款可能会从一天到另一天波动超过 150 欧元。最后，看看您是否能在 HUK24 找到更好的报价。有时情况就是这样。

对你来说工作量太大了吗？然后至少尝试从您当前的保险公司获得新的、部分更便宜的费率。询问或查看客户门户。否则，作为现有客户，您可能会处于劣势——我们刚刚在读者呼吁中注意到了这一点。例如，读者应该支付大约630欧元，在新关税中，他只需要支付大约500欧元。这种做法最近受到保险监管机构Eiopa的批评。

手机和互联网 您认为移动资费折扣店的网络无论如何都要糟糕得多，或者随身携带您的号码很复杂？井。如果这就是为什么您多年来一直使用相同的手机计划的原因，那么您可能付出了太多。特别是在D网络中，近年来价格大幅下降。这就是为什么如果您从非常旧的合同切换到新合同，您每年可以快速节省 100 到 200 欧元。Allnet-Flat的3 GB数据量也可以在Telekom和Vodafone网络中以每月不到10欧元的价格获得。只需看看我们的关税计算器。

有了互联网，如果您切换，您甚至可以每两年轻松节省 100 到 200 欧元。两年后，合同通常会变得更加昂贵，例如每月20欧元。因此，利用新客户的定期优惠和交换奖金。为了进行比较，我们建议使用 Verivox* 或 Check24*。或者您可以致电您的提供商并说您正在考虑取消。通常您会获得折扣。但这通常带来的变化小于变化。

节省数百美元 仅通过我们的三个示例，您就可以节省数百欧元。但还有更多：例如，如果您终止您的房屋银行（忠诚度）并使用活期账户、调用资金和托管账户。或者从更昂贵的基本能源供应商切换到我们的电力计算器和天然气计算器的廉价供应商。这可以为您带来数百欧元的额外费用。

有时忠诚实际上是值得的：例如，您的ETF储蓄计划（复利效应），当然还有您的Finanztip时事通讯和Finanztip应用程序中有关金钱的所有重要信息。

[footballnewspapers]

EIOPA stress test confirms European re/insurance market resilience

EIOPA stress test confirms European re/insurance market resilience

[ad_1]

A new Stress Test report published by the European Insurance and Occupational Pensions Authority (EIOPA) has confirmed that the European re/insurance market is adequately capitalised to withstand a variety of shocks and adverse developments.

EIOPA tested 42 European re/insurers (75% market coverage) for a series of shocks, including a sudden repricing of risk premia and increase in…

[austrisk]

EIOPA gives warning to UK insurers

EIOPA gives warning to UK insurers

Chairman highlights that empty shells or letter boxes are not acceptable Read more here:: Insurance Business Online

[johnhope1]

There are many professional possibilities that open up when you speak and know German, whether in companies in Germany, Switzerland, Austria or any other country, as you probably have business links with a German-speaking country. There are many sectors in need of skilled workers, and many companies offer jobs and fund German language studies in parallel. Many of the headquarters of European institutions, such as the European Central Bank or EIOPA, are located in these countries.

If you want to fulfill your dream of working in one of these states, German courses or German classes are the best solutions to choose.

[euro-journal-english-news]

Climate Change Could Cost Pension Funds Billions of Euros: EU Watchdog

Climate Change Could Cost Pension Funds Billions of Euros: EU Watchdog

Pension funds across the European Union would lose billions of euros from their investments in polluting industries without action to mitigate the impact of climate change, the bloc’s first stress test of its kind showed on Tuesday. The European Insurance and Occupational Pensions Authority (EIOPA) said its test covered 187 pension funds from 18 EU member states with more than 1.98 trillion euros…

[questlation]

Legal Focus: Insurance Europe robust on differential pricing

Legal Focus: Insurance Europe robust on differential pricing

Concerns Eiopa would be engaging in supervisory overreach by introducing measures that target insurers' pricing and commercial decision-making       Related Stories Dual North America expands transactional risk team West looks to diversify into H&M cover Daily Digest: Swiss Re unlikely to increase natural catastrophe exposure, ‘Crisis of Confidence’ in US property market, Aon total revenue…

[cryptoheard]

XBRL News from Iran and Europe

XBRL News from Iran and Europe

Here are the most relevant developments in the world of structured reporting we became aware of in the course of last week. 1  Banks set to adopt XBRL for financial reporting 2  Significant improvements in data quality over first six years of Solvency II The European Insurance and Occupational Pensions Authority (EIOPA) has published a fascinating report taking stock of data quality in Solvency…

[realniklauss]

#GrupoASEGURANZA - Fuente: #CartasDelMediador 859 - #GrupoGALILEA #JZI #DGSFP #CorreduriasDeSeguros #Eiopa - #SectorAsegurador #Aseguradoras #Seguros #Noticias #MediadoresDeSeguros #AgentesDeSeguros

#GrupoASEGURANZA – Fuente: #CartasDelMediador 859 – #GrupoGALILEA #JZI #DGSFP #CorreduriasDeSeguros #Eiopa – #SectorAsegurador #Aseguradoras #Seguros #Noticias #MediadoresDeSeguros #AgentesDeSeguros

Grupo Galilea marcará las pautas en la desinversión de JZI como accionista. Esta semana hemos conocido que el fondo de inversión JZ International (JZI) ha solicitado una valoración de Grupo Galilea para acometer una desinversión después de 18 años en la correduría, donde cuenta con el 74% del accionariado. Grupo Aseguranza se ha puesto en contacto con la correduría y su presidente, José María…

[rivaltimes]

The European supervisor questions whether insurers charge fair prices to their most loyal customers

The European supervisor questions whether insurers charge fair prices to their most loyal customers

File – Bitllets and calculator (arxiu) – GOVERNMENT OF ANDALUCIA – Archive The European Insurance and Occupational Pensions Authority (Eiopa) has opened a consultation process for the next three months in relation to a draft supervisory statement on differential pricing practices, in order to check whether price differences are justified charged by insurers to clients with a similar risk profile,…

[shahabofficial]

EU warns 'cryptocurrencies are not suitable for retail investment'

EU warns ‘cryptocurrencies are not suitable for retail investment’

Several European regulators have issued joint warnings that digital assets are not suitable for use as a retail investment or payment brokerage or exchange. EU regulators warn that cryptocurrencies are not suitable for small farmers The three European supervisory authorities (ESA), the European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA) and the…

[coinrehberim]

AB denetim kurumlarından kripto para uyarısı

AB denetim kurumlarından kripto para uyarısı

3 Avrupa Birliği Denetleme Kurumu, EBA, ESMA ve EIOPA ortak bir açıklamada kripto para yatırımcılarını uyardı. Kripto para birimlerinin ödeme, yatırım ve takas için uygun varlıklar olmadığı belirtilen açıklamada, denetleyici kurumlar uyarılarını 3 maddede topladı: “*Bu varlıkları satın alması durumunda yatırımcı tüm parasını kaybetme riskiyle karşı karşıyadır. * Özellikle sosyal medyada yanıltıcı…

[cryptodailysun]

Several European regulators have issued a joint warning on crypto assets. “These assets are not suited for most retail consumers as an investment or as a means of payment or exchange,” they stressed. EU Supervisory Authorities Warn About the Danger of Investing in Crypto Assets Three European Supervisory Authorities (ESAs) issued a joint statement warning about the risks of crypto assets Thursday. The European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA), and the European Securities and Markets Authority (ESMA) “warn consumers that many crypto assets are highly risky and speculative.” Their statement also outlines “key steps consumers can take to ensure they make informed decisions.” The regulators explained that their warning followed “growing consumer activity and interest in crypto assets and the aggressive promotion of those assets and related products to the public, including through social media.” The supervisory authorities stated: These assets are not suited for most retail consumers as an investment or as a means of payment or exchange. They noted that consumers “face the very real possibility of losing all their invested money if they buy these assets.” Furthermore, the ESAs cautioned that consumers “should be alert to the risks of misleading advertisements, including via social media and influencers” and “should be particularly wary of promised fast or high returns, especially those that look too good to be true.” Consumers should also be aware of “the lack of recourse or protection available to them, as crypto-assets and related products and services typically fall outside existing protection under current EU financial services rules,” the ESAs’ statement describes. The EBA noted that the European Commission’s proposal for Markets in Crypto Assets (MiCA) remains subject to the outcome of the co-legislative process and so consumers do not currently benefit from any of the safeguards outlined in that proposal because it is not yet EU law. The European Parliament’s Committee on Economic and Monetary Affairs (ECON) voted against an amendment to ban proof-of-work assets for EU companies earlier this week. What do you think about the crypto warning by the three EU supervisory authorities? Let us know in the comments section below. Go to Source

[cryptosnewss]

European Watchdogs Warn Users: Crypto-Assets Are Highly Risky and Speculative

European Watchdogs Warn Users: Crypto-Assets Are Highly Risky and Speculative

European supervisory authorities – the European Banking Authority (EBA), the European Securities and Markets Authority (ESMA), the European Insurance and Occupational Pensions Authority (EIOPA) – have issued a warning to investors regarding crypto- currencies, judging the asset class as “highly risky”. and speculative” in nature. ESAs Ask Consumers to Make Informed Decisions The warning comes…