As of January 1, 2022, the guaranteed interest rate will be reduced from 0.9 percent to 0.25 percent. This value is particularly relevant for life insurance. If this value falls, this confuses the calculation of the contributions. In most cases this means that the insurer has to increase the premiums. For the year 2022, experts therefore expect increasing contributions of up to 15% for occupational disability insurance and accident insurance. Other sectors are also affected, albeit not as badly. In the area of life insurance, which also includes occupational disability insurance (BU), there is a so-called maximum technical interest rate,