Popular online service: myCosmosDirekt has more than 100,000 customers

Simply take out insurance on the Internet, manage contracts flexibly, always keep track: at the end of 2009, CosmosDirekt introduced the personal online area meinCosmosDirekt for insured persons. The number of users is growing steadily, exceeding the 100,000 mark. The insurer is continually expanding its service functions: A new feature is the old-age provision account, which provides information on the current status of the contracts.

With myCosmosDirekt, CosmosDirekt goes new ways online and convinces more and more customers. They use the opportunity to create and compare offers on the Internet, to manage personal information, to conclude contracts and to view all contract details at any time. “Many customers today want to take their insurance matters into their own hands,” says Peter Stockhorst, CEO of CosmosDirekt. “With myCosmosDirekt, the user always has his portfolio under control – simple and transparent.”

Easy change
Customers who have completed the Tagesgeld Plus or Flexible Vorsorge online products can check their current account balance, deposit money or withdraw money at myCosmosDirekt. A Flexible Pension Account is quickly opened: With just a few clicks, the desired balance is automatically transferred from Tagesgeld Plus to the new account. In addition, money can be transferred directly to other forms of investment such as a basic pension.

Since this month, there is also the retirement account, which gives customers at any time a comprehensive overview of their retirement plans. At a glance you can see what the contract capital is currently at and learn more about the projected capital benefit and the expected amount of the lifelong pension at the end of the contract. Stockhorst: “Online is the megatrend, in all areas. We are driving the expansion of meinCosmosDirekt and all our online offerings. “

Safety guaranteed
As simple and transparent as myCosmosDirekt is for customers, their data is protected and secure. For logging into the personal online area, customers can use the new ID card on request. The ID card allows them to identify themselves electronically. You do not need username or password. This secure proof of identity also saves the way to the post office when signing insurance contracts via myCosmosDirekt. The so-called post-identification procedure is eliminated.

Avoid online fraud in 3 simple steps

Avoid falling into a hoax, learn how to identify an Internet fraud

One of the most recurrent modalities of current loans is online loans , which provide users with money that will bail them out instantly, as long as they meet certain simple requirements.

However, the same facility to access any of these credits is what makes these lenders are seen as possible scams, because users believe that it is not so easy for someone to disburse money so easily and without many demands.

For the Financial Superintendence of Colombia it is important that users are prepared to identify possible scams, therefore, as a money provider, it is important to communicate how you can identify the legality of this and other companies that offer the service.

1. Do not give money in advance

If the entity you used to apply for your credit asks for money in advance for credit studies, credit approval or improve your credit history, be alert! It is not legal for an entity to make this request in advance.

This is one of the most common forms of fraud , entities request money in advance to the user, when this finally delivers the amount requested, the entity argues that it can no longer make the credit or disappears and does not return to answer the applicant.

2.Verify the entities in the Financial Superintendency

If the place where you are going to request your credit definitely does not generate confidence and you want to be sure of its reliability, you must enter the page of the entity that regulates and supervises these entities, there you can find all the information you need to feel calm.

Our recommendation is that you enter # and inquire, if the entity with which you have communication appears in one of these lists, the most advisable thing is that you do NOT make the loan with them and look for an entity that you do not run risks with.

3.Disconfidence of low interest rates

One last warning that can work is to pay special attention to the extremely low interest rates in the credits, usually these are put to get your attention and finally ask you to give some money in advance to be able to make the credit that you requested.

Not that all the low interest rates are warning signs, but they can be the bait you have to step on to be a victim of a scam.

As you can see, these tips are very closely linked, however, there is something you should always pay special attention to: your intuition. If for some reason, a financial institution does not transmit security to you, consult with the regulatory bodies for its veracity.

At Rapicredit we work every day to give you the best, we like to give you the necessary information so that you can defend yourself against possible scammers and be sure of the step you are going to take.