Future Models of Retirement Planning
A future-oriented model for retirement planning includes various individual paths tailored to personal needs and life situations. An example of this is the concept from blau direkt, which specifically enables insurance brokers to have comprehensive and flexible retirement planning.
1. Broker Pension
Here, the broker’s portfolio is transferred into what is known as a broker pension. Conditions can be individually negotiated, such as with or without survivor protection. This model ensures a regular income in old age through the sale or transfer of the portfolio.
2. Sale of Portfolio or Company
The broker sells their customer base or their entire company for an assessed sale price. This creates a one-time capital inflow as financial security for retirement.
3. Cooperation and Preparation for Retirement
For those planning their retirement in 3-5 years, there are models for early preparation: digitization, process optimization, and customer care are promoted to secure the life’s work – even against unforeseen events. Here, one can join partner networks and benefit from their support.
Regional Design
The regional retirement planning is an innovative concept with personal on-site support from cooperation partners nationwide. This facilitates individual advice and tailor-made solutions according to regional peculiarities.
Importance of the Discussion on Future Models
In the Frankfurt Circle, experts also discuss intergenerational equitable, fair financing as well as sustainable pension reforms as important aspects of future-proof old-age provision. The integration of such societal framework conditions is crucial for long-term viable models.
To summarize: The future model for retirement planning focuses on individuality (broker pension, sale), early preparation (cooperation), and regional support – complemented by societal reform discussions regarding the sustainability of old-age provision overall.