Flytterett og flytteregler i norsk livs- og pensjonsforsikring

Artikelförfattare: Olav Vannebo
Position: Direktør
E-mail: olav.vannebo@fno.no
Organization: Finansnæringens Fellesorganisasjon (FNO)
Utgåva:
2, 2002
Språk: Internationell
Kategori:

G31G33G33 Flytterett og flytteregler i norsk livs- og pensjonsforsikringNFT 2/2002 Bakgrunn G44G69G73G6BG75G73G6AG6FG6EG65G6EG20 G6FG6DG20 G6DG75G6CG69G67G68G65G74G65G6EG20 G66G6FG72G20 GE5G20 G66G6CG79G74G74G65G20 G65G6E G6CG69G76G73G66G6FG72G73G69G6BG72G69G6EG67G20G66G72G61G20G65G74G74G20G73G65G6CG73G6BG61G70G20G74G69G6CG20G65G74G20G61G6EG6EG65G74G2CG20G65G6CG6CG65G72 G65G6EG20G6BG6FG6CG6CG65G6BG74G69G76G20G70G65G6EG73G6AG6FG6EG73G6FG72G64G6EG69G6EG67G20G6DG65G6CG6CG6FG6DG20G73G65G6CG73G6BG61G2D G70G65G72G20G6FG67G20G70G65G6EG73G6AG6FG6EG73G6BG61G73G73G65G72G2CG20G73G74G61G72G74G65G74G20G74G69G64G6CG69G67G20 G69G20G4EG6FG72G67G65G2E G49G6EG69G74G69G61G74G69G76G65G74G20G6BG6FG6DG20G66G72G61G20G69G6EG64G75G73G74G72G69G65G6EG20G66G6FG72G20G72G75G6EG64G74G20G74G79G76G65G20GE5G72 G73G69G64G65G6EG2CG20 G6FG67G20 G64G65G74G20 G64G61G76GE6G72G65G6EG64G65G20 G49G6EG64G75G73G74G72G69G66G6FG72G62G75G6EG64G65G74 GF8G76G65G74G20 G70G72G65G73G73G20 G6DG6FG74G20 G6DG79G6EG64G69G67G68G65G74G65G6EG65G20 G6FG67G20 G6DG6FG74G20 G66G6FG72G73G69G2D G6BG72G69G6EG67G73G6EGE6G72G69G6EG67G65G6EG2EG20 GD8G6EG73G6BG65G74G20 G6FG6DG20 G62G65G64G72G65G20 G69G6EG6EG73G79G6EG20 G69 G76G69G72G6BG73G6FG6DG68G65G74G65G6EG20G6FG67G20G73GE6G72G6CG69G67G20G66G6FG72G76G61G6CG74G6EG69G6EG67G65G6EG20G61G76G20G70G65G6EG2D G73G6AG6FG6EG73G6DG69G64G6CG65G6EG65G20 G76G61G72G20 G75G74G73G6CG61G67G73G67G69G76G65G6EG64G65G2E G49G20 G31G39G37G38G20 G6FG70G70G6EG65G76G6EG74G65G20 G72G65G67G6AG65G72G69G6EG67G65G6EG20 G65G6EG20 G6BG6FG6DG69G74GE9 G73G6FG6DG20 G73G6BG75G6CG6CG65G20 G75G74G61G72G62G65G69G64G65G20 G66G6FG72G73G6CG61G67G20 G74G69G6CG20 G6EG79G20 G66G6FG72G73G69G6BG2D G72G69G6EG67G73G76G69G72G6BG73G6FG6DG68G65G74G73G6CG6FG76G2EG20G4BG6FG6DG69G74G65G65G6EG20G66G69G6BG6BG20G6EG61G76G6EG20G65G74G2D G74G65G72G20 G6CG65G64G65G72G65G6EG2CG20 G74G69G64G6CG2EG20 G73G74G61G74G73G72GE5G64G20 G47G75G64G6DG75G6EG64G20 G48G61G72G6CG65G6DG2E G48G61G72G6CG65G6DG6BG6FG6DG69G74G65G65G6EG20G6CG61G20G65G74G74G65G72G20G66G65G6DG20GE5G72G73G20G61G72G62G65G69G64G20G69G20G31G39G38G33 G66G72G65G6DG20 G66G6FG72G73G6CG61G67G20 G74G69G6CG20 G6EG79G20 G6CG6FG76G20 G6FG6DG20 G66G6FG72G73G69G6BG72G69G6EG67G73G76G69G72G6BG2D G73G6FG6DG68G65G74G2EG20G53G65G6CG76G20G6FG6DG20G64G65G6EG6EG65G20G6BG6FG6DG69G74G65G65G6EG20G76G61G72G20G6FG70G70G74G61G74G74 G61G76G20G73G74G69G6DG75G6CG65G72G65G20G74G69G6CG20GF8G6BG74G20G6BG6FG6EG6BG75G72G72G61G6EG73G65G20G6DG65G6CG6CG6FG6DG20G73G65G6CG2D G73G6BG61G70G65G6EG65G2CG20G74G6FG6BG20G64G65G6EG20G6CG69G6BG65G76G65G6CG20G69G6BG6BG65G20G6FG70G70G20G66G6FG72G73G6CG61G67G20G6FG6D GE5G20G62G72G75G6BG65G20G66G6CG79G74G74G65G72G65G74G74G20G73G6FG6DG20G76G69G72G6BG65G6DG69G64G64G65G6CG2E G49G20 G66G6FG72G6CG65G6EG67G65G6CG73G65G20 G61G76G20 G48G61G72G6CG65G6DG6BG6FG6DG69G74G65G65G6EG73G20 G61G72G62G65G69G64G2C G6FG70G70G6EG65G76G6EG74G65G20G66G69G6EG61G6EG73G64G65G70G61G72G74G65G6DG65G6EG74G65G74G20G69G20G6FG6BG74G6FG62G65G72G20G31G39G38G34 G65G6EG20 G61G72G62G65G69G64G73G67G72G75G70G70G65G20G73G6FG6DG20 G73G6BG75G6CG6CG65G20 G75G74G72G65G64G65G20G6BG6FG6EG6BG75G72G2D G72G61G6EG73G65G6EG20G70GE5G20G66G69G6EG61G6EG73G6DG61G72G6BG65G64G65G74G2EG20G44G65G6EG6EG65G20G62G6CG65G20G6CG65G64G65G74G20G61G76 G64G69G72G65G6BG74GF8G72G20 G69G20 G73G61G6DG6DG65G20 G64G65G70G61G72G74G65G6DG65G6EG74G20 GD8G79G73G74G65G69G6EG20 G4CGF8G69G2D G6EG69G6EG67G2CG20G6FG67G20G61G76G6CG61G20G73G69G6EG20G72G61G70G70G6FG72G74G20 G69G20G66G65G62G72G75G61G72G20G31G39G38G36G2EG20 G49G20G65G74 G61G76G73G6EG69G74G74G20G6FG6DG20G6BG6FG6EG6BG75G72G72G61G6EG73G65G73G74G69G6DG75G6CG65G72G65G6EG64G65G20G74G69G6CG74G61G6BG20G66G6FG72 G6CG69G76G73G66G6FG72G73G69G6BG72G69G6EG67G73G73G65G6CG73G6BG61G70G65G6EG65G20 G6CG61G20 G64G65G6EG20 G74G69G6CG20 G67G72G75G6EG6EG20 G61G74 G64G65G72G73G6FG6DG20 G6BG6FG6EG6BG75G72G72G61G6EG73G65G6EG20 G69G20 G6DG61G72G6BG65G64G65G74G20 G73G6BG75G6CG6CG65G20 G62G6CG69 G72G65G65G6CG6CG2CG20 G76G61G72G20 G64G65G74G20 G6EGF8G64G76G65G6EG64G69G67G20 G61G74G20 G66G6FG72G68G6FG6CG64G65G6EG65G20 G6DGE5G74G74G65 G6CG65G67G67G65G73G20G74G69G6CG20G72G65G74G74G65G20G66G6FG72G20G61G74G20G73G65G6CG73G6BG61G70G65G6EG65G20G73G6BG75G6CG6CG65G20G6BG75G6EG6EG65 G74G72G65G6BG6BG65G20G74G69G6CG20G73G65G67G20G66G6FG72G73G69G6BG72G69G6EG67G73G6BG6FG6EG74G72G61G6BG74G65G72G20G66G72G61G20G61G6EG64G72G65 Flytterett og flytteregler i norsk livs- og pensjonsforsikring Olav Vannebo olav.vannebo@fnh.no Olav Vannebo er cand. oecon. og direktør i Finans og juridisk avdeling i Finansnæringens Hovedorganisasjon. Norge har trolig verdens mest flyttevennlige regelverk. Selv om det har vært stor grad av enighet om at det bør være adgang til å flytte en livs- eller pensjonsforsikring fra ett selskap til et annet, har det vært atskillig støy og uenighet om hvordan flyttereglene bør utformes. Flyttereglene har i kombinasjon med øvrig regelverk for livsforsikring i Norge, også medført uforutsette problemer. Uansett, flytteadgangen er kommet for å bli, og det finnes neppe noen som ønsker seg tilbake til en situasjon uten flytterett. av Olav Vannebo G31G33G34 Flytterett og flytteregler i norsk livs- og pensjonsforsikring G73G65G6CG73G6BG61G70G65G72G2EG20G4FG6DG20G6EGF8G64G76G65G6EG64G69G67G20G6DGE5G74G74G65G20G66G6CG79G74G74G65G72G65G74G74G20G6FG67 G66G6FG72G75G74G73G65G74G6EG69G6EG67G65G72G20 G66G6FG72G20 G66G6CG79G74G74G65G72G65G74G74G20 G6CG6FG76G66G65G73G74G65G73G2E G52G65G73G75G6CG74G61G74G65G74G20G62G6CG65G20G61G74G20G64G65G74G20G69G20G4CG6FG76G20G6FG6DG20G66G6FG72G73G69G6BG72G69G6EG67G73G2D G76G69G72G6BG73G6FG6DG68G65G74G20G61G76G20G31G30G2EG20G6AG75G6EG69G20G31G39G38G38G2CG20G73G6FG6DG20G61G76G6CGF8G73G74G65G20G64G65G6E G74G69G64G6CG69G67G65G72G65G20 G76G69G72G6BG73G6FG6DG68G65G74G73G6CG6FG76G65G6EG20 G61G76G20 G31G39G31G31G2CG20 G62G6CG65G20 G74G61G74G74 G69G6EG6EG20 G65G6EG20 G62G65G73G74G65G6DG6DG65G6CG73G65G20 G28GA7G37G2DG38G29G20 G6FG6DG20 G72G65G74G74G20 G74G69G6CG20 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G73G65G67G20G6DG65G64G20G73G69G74G75G61G73G6AG6FG6EG65G6EG2E Oppsigelses- og oppgjø rsfrister G46G72G69G73G74G65G6EG20 G66G6FG72G20 GE5G20 G6FG76G65G72G66GF8G72G65G20 G6DG69G64G6CG65G6EG65G20 G65G72G20 G69G20 G75G74G67G61G6EG67G73G2D G70G75G6EG6BG74G65G74G20G73G61G74G74G20G74G69G6CG20G74G6FG20G6DGE5G6EG65G64G65G72G2EG20G49G20G66G6FG72G73G69G6BG72G69G6EG67G73G6BG6FG6EG2D G74G72G61G6BG74G20G6DG65G64G20G62G65G6CGF8G70G20G70GE5G20G31G30G20G6DG69G6CG6CG69G6FG6EG65G72G20G6BG72G6FG6EG65G72G20 G65G6CG6CG65G72 G6DG65G72G2CG20G67G6AG65G6CG64G65G72G20G6CG65G6EG67G72G65G20G66G72G69G73G74G65G72G2CG20G6FG70G70G20G74G69G6CG20GE5G74G74G65G20G6DGE5G6EG65G64G65G72 G66G6FG72G20G6BG6FG6EG74G72G61G6BG74G20G6DG65G64G20G62G65G6CGF8G70G20G70GE5G20G32G30G30G20G6DG69G6CG6CG69G6FG6EG65G72G20G6BG72G6FG2D G6EG65G72G20G65G6CG6CG65G72G20G6DG65G72G2EG20G44G69G73G73G65G20G66G72G69G73G74G65G6EG65G20G28G76G65G64G20G73G74G6FG72G65G20G66G6FG72G73G69G6BG2D 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Flytting av kommunale tjeneste- pensjonsordninger G46G6FG72G20 G6BG6FG6DG6DG75G6EG61G6CG65G2CG20 G73G74G61G74G6CG69G67G65G20 G6FG67G20 G73GE5G6BG61G6CG74G65G20 G66G72G69G73G74G69G6CG74G65 G6FG66G66G65G6EG74G6CG69G67G65G20 G6FG72G64G6EG69G6EG67G65G72G20 G67G6AG65G6CG64G65G72G20 G73GE6G72G6CG69G67G65G20 G72G65G67G6CG65G72G2E G48G65G72G20G67G6AG65G6CG64G65G72G20G6FG67G73GE5G20G65G6EG20G73GE6G72G6CG69G67G20G6FG76G65G72G66GF8G72G69G6EG67G73G61G76G74G61G6CG65G2E G50G72G69G76G61G74G65G20G6CG69G76G73G65G6CG73G6BG61G70G20G6BG61G6EG20G74G69G6CG62G79G20G74G6AG65G6EG65G73G74G65G70G65G6EG73G6AG6FG6EG73G2D G6FG72G64G6EG69G6EG67G20G74G69G6CG20G6BG6FG6DG6DG75G6EG65G72G20G6FG67G20G66G72G69G73G74G69G6CG74G65G20G76G69G72G6BG73G6FG6DG68G65G2D G74G65G72G2CG20 G6DG65G6EG20 G68G61G72G20 G73GE5G20 G6CG61G6EG67G74G20 G69G6BG6BG65G20 G6BG75G6EG6EG65G20 G76GE6G72G65G20 G70G61G72G74G20 G69 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G66G6CG79G74G74G69G6EG67G20G66G72G61G20G76G69G73G73G65G20G69G6EG73G74G69G74G75G73G6AG6FG6EG65G72G20G28G69G20G70G72G61G6BG73G69G73G20G62G61G72G65 G4BG6FG6DG6DG75G6EG61G6CG20 G4CG61G6EG64G73G70G65G6EG73G6AG6FG6EG73G6BG61G73G73G65G2CG20 G4BG4CG50G29G2E Hvordan har det gå tt? 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G31G33G38 Flytterett og flytteregler i norsk livs- og pensjonsforsikring Flytträ tt i Sverige av Ellen Bramness Arvidsson, Sveriges Försäkringsförbund G49G20 G73G61G6DG62G61G6EG64G20 G6DG65G64G20 G64G65G6EG20 G67G65G6EG6FG6DG67G72G69G70G61G6EG64G65G20 G72G65G66G6FG72G2D G6DG65G72G69G6EG67G65G6EG20 G61G76G20 G66GF6G72G73GE4G6BG72G69G6EG67G73G72GF6G72G65G6CG73G65G72G65G67G6CG65G72G6EG61G20 G73G6FG6D G74G72GE4G64G64G65G20 G69G20 G6BG72G61G66G74G20 G31G20 G6AG61G6EG75G61G72G69G20 G32G30G30G30G20 G6DG6FG6EG74G65G72G61G64G65G20 G6CG61G67G2D G73G74G69G66G74G61G72G65G6EG20G6EG65G64G20G64G65G20G73G6BG61G74G74G65G6DGE4G73G73G69G67G61G20G68G69G6EG64G72G65G6EG20G6DG6FG74G20G61G74G74 G65G74G74G20G70G65G6EG73G69G6FG6EG73G6BG61G70G69G74G61G6CG20G6BG61G6EG20G66G6CG79G74G74G61G73G20G66G72GE5G6EG20G65G74G74G20G66GF6G72G73GE4G6BG2D G72G69G6EG67G73G62G6FG6CG61G67G20G74G69G6CG6CG20G65G74G74G20G61G6EG6EG61G74G2EG20G47G65G6EG6FG6DG20G64G65G6EG6EG61G20GE5G74G67GE4G72G64 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