Glossary:

The time of a conclusion of a contract uniquely acquisition costs or brokerage fees for the insurance mediator become due.

The insurer must distribute the entire costs on the entire running time of the contract, so that an even contribution develops for the insured one.

This procedure invented the mathematician A. Zillmer, therefore it is called Zillmerung. The covering capital of the life insurance is reduced around the bar value of the still which are pending conclusion costs, so that in the initial at the beginning of the contract a negative covering capital develops.

This relates itself only again for the conclusion of the contract running time.

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