Der Verbraucherzentrale Bundesverband (vzbv) warnt in einem Positionspapier davor, bei der anstehende Reform der kapitalgedeckten Altersvorsorge auf die betriebliche Altersvorsorge in der aktuellen Form zu setzen. Ohne umfassende Reform drohten Verbraucher:innen schwerwiegende Nachteile.
Aus Verbrauchersicht müsse die betriebliche Altersvorsorge zunächst in mindestens drei Bereichen reformiert werden:
- bei der Sozialabgabenfreiheit der Entgeltumwandlung,
- bei der eingeschränkten Portabilität,
- beim Versicherungsmantel.
Die Probleme in der betrieblichen Entgeltumwandlung müssten dringend behoben werden. Die Einführung eines öffentlich organisierten Vorsorgefonds, der auch für die betriebliche Altersversorgung geöffnet ist, könnte hierbei unterstützen.
Downloads
Alles zum Thema: Altersvorsorge
Artikel (30)
![Verbraucher:innen vor der Reichstagskuppel]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=AHMsSEb8","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=r00XEz6S","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=gvhoV1-Y","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=J9XZkyCT","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=5QYs4GVo","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=7zSZsv7R","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=DRXDqoed","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=CKdenmdx","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=YQZlhdju","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=F_nAGb4m","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=86TcBdB9","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=ANabOkmi","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=7uAUrJ1I","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=MNOIic_S","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=94Qdnn_2","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=9edtfK_D","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=PrtJ6OPQ","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=-55TJWZY","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/2024-05\/Bundestag_Verbraucherreport_iStock%20-%20Carol_Anne_2.jpg?h=d1cb525d\u0026itok=y321wQV0"})
![Zwei Menschen sitzen vor Unterlagen zur Altersvorsorge]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=PbiPgzpL","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=1P_hymqr","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=oO5EZZ-Y","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=v_Jfbhq1","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=L41AhrM1","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=ih-QTm9k","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=E-dgUlLr","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=SHGv_EOp","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=zY6lsW5g","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=WWHhpOXE","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=RnFJk_eR","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=HtzcxRYt","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=23TmjZii","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=OrWOF6fe","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=WbGGL0AV","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=lOYvj6r6","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=wLG-OoqK","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=ZAPRoPUj","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=vN0ZXRe6"})
![Doppelte Abschlusskosten bei Riester-Verträgen]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=XWD7GdGF","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=N2_MXuYw","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=QQXYij47","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=4Hfv61kW","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=w3xwvUgb","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=UULQjh13","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=7YJ4SIrH","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=tXFSnohY","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=T8eYSUmV","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=9zgJT9ck","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=uX9sV6SL","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=YnXQardO","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=xTChg5Dk","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=ts4f-P5R","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=LbbZtsh1","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=oPotriuF","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=FYcFJSeB","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=o-Oe6WhH","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/images\/2020\/01\/27\/riester-rentenvertraege.jpg?h=448c0246\u0026itok=1ZUIfXel"})
![You can see Ramone Pop. Blurred buildings and the glass dome of the Reichstag can be seen in the background.]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=ESLfubzO","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=4X-woiSZ","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=gaWRT7HV","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=aCUmwaIr","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=B3Wx5XlJ","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=xZ__OEcE","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=xsupXO_G","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=vlJIUFMl","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=hVWXvxTq","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=cxUgk8h0","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=JnjYUHfr","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=Agcvon8R","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=lX0cJhCI","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=dxVUZACk","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=nz0FgFx9","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=yA8wnmX6","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=9Jp8T8Oz","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=-xZM4Hc9","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/2023-08\/ramona_pop_DBN0932_0.jpg?h=6f8e8448\u0026itok=uwe9LESS"})
![altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=GI7RblvI","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=EWRKwBkc","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=aafn8bs9","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=yIVHSHo4","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=ksegDb-B","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=Skv5UDG8","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=XLxsmVx0","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=UlJdcR-4","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=SJ85zbKY","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=-je6XaWh","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=Fl1_Tv_V","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=HLvxBIXv","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=QjzANHMc","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=uuSBPbe_","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=z8OdJ7OX","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=LDUoHdHp","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=UE7EkM2R","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=oys4CZK4","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/images\/2017\/07\/13\/altersvorsorge_cathy_yeulet_123rf.com_41393048_m.jpg?h=e0d60013\u0026itok=BSasxrf7"})
Dokumente (6)
Urteile (1)
![Frau im Rechtswesen hat Laptop, Gesetztesbuch und Justitia vor sich auf dem Tisch]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=4tGpni8p","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=ybf8OvOE","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=LmsuCyHt","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=cVo-FwJY","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=xg9KgDRt","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=pP2pxwel","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=fDliWl1P","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=X5kETifD","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=bqh-Kzsy","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=3SzkxFZW","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=nM1EppN2","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=n9es7pnL","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=1nSc5X2R","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=ricJCP1Q","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=geFZl02T","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=S84hcLqA","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=Y7iACVgo","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=C3YFc4vn","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=H36tW1rR"})
Umfragen (1)
Videos & Grafiken (3)
![Infografik: Provisionsfrei vorsorgen_Verbraucherzentrale Bundesverband e.V.]({"128":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_128\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=xNxUt2BL","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_300\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=4eNU_1tz","464":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_463\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=vYtWlW-Z","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_800\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=i_I9Pdtl","913":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_912\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=VtvNvZY2","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1000\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=t8juQFa3","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1200\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=1ZV9RpWs","1440":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1440\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=r5FyidOf","1571":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1600\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=C90ogpWx"})
![Infografik: Staatlich organisiertes Standardprodukt mehrheitlich gewünscht_Verbraucherzentrale Bundesverband e.V.]({"128":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_128\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=4OMhiKDF","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_300\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=Cx4pNCY4","464":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_463\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=UtuoK2o9","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_800\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=CMoZLn17","913":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_912\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=y-i3q03S","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1000\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=xfUJQnpr","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1200\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=jo9YfjYe","1440":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1440\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=fZbWOK3v","1571":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1600\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=RE3AawjX"})
![Private Altersvorsorge mit der "Extrarente"]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=Hbfc0X97","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=UzUqXrg9","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=jAAeo7Ey","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=V5iF7uVg","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=TPpriGep","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=_5bnkL2p","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=nRFVMx74","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=ZnWbCWZm","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=PjRWvC5p","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=-x9RkfyW","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=7SnyfDqJ","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=l3YId7ek","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=IwircwGp","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=pQZAyCz-","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=2BVcRPz2","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=p4CdWvYn","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=WcHh1YO4","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=m0r4hc3f","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?h=144d094f\u0026itok=zPN806Rb"})
![Icon Sprechblase+Beratung Kreis rot]({"50":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_50x50_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=BKAjgszK","100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_100x100_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=pyRanko5","200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_200x200_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=aJOQL6H2","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_300x300_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=k8d0I0CP","400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_400x400_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=l5vpuYzg","500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_500x500_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=x45swzEp","600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_600x600_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=_g9gQdQg","700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_700x700_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=mAz1Ew8V","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_800x800_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=ItqAYWbO","900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_900x900_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=ecvcDJkK","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1000x1000_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=JvW_KRyR","1100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1100x1100_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=aY1WVT33","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1200x1200_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=teOBMRS-","1300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1300x1300_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=WjQEdw5v","1400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1400x1400_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=B_FYbs7o","1500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1500x1500_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=aPQQus0e","1600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1600x1600_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=OS3GEaoj","1700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1700x1700_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=J9pUXUNg","1800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1800x1800_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=p5UzFjoN","1900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1900x1900_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=MqXpWtEa","2000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_2000x2000_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Kreis_rot.png?h=1e66e246\u0026itok=oFKLAIkW"}){kind=icon}
![Icon Sprechblase+Beratung Outline rot]({"50":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_50x50_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=PaLZLteY","100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_100x100_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=Adn0064o","200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_200x200_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=pbTLXbsZ","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_300x300_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=iktds6uX","400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_400x400_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=bfv9fJXY","500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_500x500_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=lWAlotGi","600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_600x600_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=pxLBZYbc","700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_700x700_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=AtUhkaT8","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_800x800_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=5c1wWY2_","900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_900x900_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=jXF9Kj1S","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1000x1000_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=leVHnJxI","1100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1100x1100_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=mGrVe8_6","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1200x1200_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=wRZerRx-","1300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1300x1300_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=g3zbXelE","1400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1400x1400_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=FH2fX76s","1500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1500x1500_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=j6IDcSwE","1600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1600x1600_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=AaTe_pkh","1700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1700x1700_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=NnMlOu8o","1800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1800x1800_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=vluHaX_e","1900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1900x1900_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=MLbGi0oP","2000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_2000x2000_focal_point_crop\/public\/2025-07\/Icon_Sprechblase%2BBeratung_RGB_Outline_rot.png?h=1e66e246\u0026itok=Oopz4qhz"}){kind=icon}
![Lars Gatschke]({"50":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_50x50_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=fCrMOae9","100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_100x100_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=izMNaIX8","200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_200x200_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=sg5ghGn3","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_300x300_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=utclHn2_","400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_400x400_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=E6OGK1BJ","500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_500x500_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=ekBF1f4g","600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_600x600_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=xntafyHg","700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_700x700_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=mZJL5oEe","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_800x800_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=ZL5fM2xI","900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_900x900_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=iut3WWyZ","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1000x1000_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=4q58Mw-A","1100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1100x1100_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=60N2bBLR","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1200x1200_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=5KBlJKvn","1300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1300x1300_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=cIDFj4fu","1400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1400x1400_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=I2-pOGw-","1500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1500x1500_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=NW_vx2tQ","1600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1600x1600_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=-yq-rMc3","1700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1700x1700_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=eGCTECtg","1800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1800x1800_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=L90vxw2j","1900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1900x1900_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=cqk5qDH5","2000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_2000x2000_focal_point_crop\/public\/2021-05\/Gatschke-Lars-Kontakt-quadrat.png?h=e43b19c0\u0026itok=8tBcjpk1"})
