110 C 306/11•Transparency of Capital Life Insurance Terms and Disclosure of Reserves
110 C 306/11Court of First InstanceJul 11, 2012Civil lawDismissed
Extracted by Omnilex
The plaintiff brought a civil claim concerning the terms of a capital life insurance policy, alleging inadequate transparency and seeking information about the amount of the unzillmerized actuarial reserve. The Bonn Local Court dismissed the action. It found the terms sufficiently transparent because they explained the economic disadvantage caused by charging all acquisition costs at the beginning of the policy and included a table of surrender values at the expected place for that information. It consequently found no basis for a separate information claim regarding the unzillmerized reserve. The plaintiff was ordered to bear the costs.
BGB §§ 305, 307 Abs. 1; transparency of capital life insurance terms where acquisition costs are charged upfront. Terms are not intransparent merely because all acquisition costs are charged to the policy account at inception, if they inform the policyholder of the resulting economic disadvantage and provide a table of surrender values at the place where a consumer would expect that information. In those circumstances, an additional claim for disclosure of the amount of the unzillmerized actuarial reserve does not arise.
Entscheidungsdatum: 2012-07-11
Aktenzeichen: 110 C 306/11
ECLI: ECLI:DE:AGBN:2012:0711.110C306.11.00
Dokumenttyp: Urteil
Spruchkörper: 110. Zivilabteilung
Normen: BGB §§ 242, 305, 306, 307 Abs. 1
Wird in den Versicherungsbedingungen bzw. Produktbedingungen einer Kapitallebensversicherung darauf hingewiesen, dass dem Versicherungsnehmer wirtschaftliche Nachteile dadurch entstehen, dass die Versicherung seinem Konto sämtliche Abschlusskosten bei Beginn der Versicherung belastet und enthalten die Bedingungen eine Tabelle über die jeweiligen Rückkaufwerte an der Stelle, an der der Verbraucher die Information erwartet, sind die Versicherungs- bezw. Produktbedingungen nicht intransparent und kommt ein Auskunftsanspruch über die Höhe des ungezillmerten Deckungskapitals nicht in Betracht.
Die Klage wird abgewiesen.
Der Kläger trägt die Kosten des Rechtsstreits.
Das Urteil ist vorläufig vollstreckbar. Die Klägerin kann die Vollstreckung durch Sicherheitsleistung in Höhe von 110% des jeweils zu vollstreckenden Betrages abwenden, wenn nicht die Beklagte vor der Vollstreckung Sicherheit in gleicher Höhe leistet.
Whether the insurance or product terms were intransparent because all acquisition costs were charged at the start of the policy.
The terms were not intransparent because they disclosed the economic disadvantage and presented a table of surrender values where consumers would expect the information.
The disclosure of the initial charging of acquisition costs, together with the surrender-value table, sufficiently informed policyholders about the resulting economic consequences.
Whether the plaintiff was entitled to information about the amount of the unzillmerized actuarial reserve.
No information claim concerning the amount of the unzillmerized reserve was available.
The terms were not intransparent, and the requested disclosure claim therefore did not arise.
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