Working as an insurance broker with a business license according to Section 34d

​Unless otherwise agreed, we receive remuneration from the insurer (brokerage or commission) for arranging and/or managing insurance contracts, which is already included in the insurance premium to be paid. This also covers the service expected and provided by us. If you do not conclude anything and/or do not transfer any insurance contracts to us for support, we will not earn anything despite the consulting service provided. Let us advise you and close somewhere else with the knowledge you have gained, and we don't earn anything either. If you withdraw our mandate (even without supervision by sorting your insurance policies online or in an app, supposedly free of charge), then we won’t earn anything anymore either. There is therefore a very simple rule in our company: There are only full mandates - all or nothing.

​Full mandate means that we take care of all your insurance contracts (total number is irrelevant). Of course, you don't have to take out everything with us, just what makes sense and what you can/want to afford. However, we will be your single point of contact for all insurance matters. This is the only way we can ensure good service for all of our customers over the long term. Win-win situation.

​For us, customer means “business partner at eye level, with whom we are on the same wavelength”. So don't be angry with us if a collaboration doesn't work out. In our many years of professional practice, we have found that business relationships without equal footing will sooner or later fail. That is why we try to prevent this by explicitly addressing this point before we start working together.

​Our cooperation begins with the signing of the documents, which are required by the regulation. These are in detail:

• Broker power of attorney (regulates representation in external relations)

• Data protection declaration (regulates the use/application of your data)

Unfortunately, cooperation is not possible without these documents.

​If it turns out in the course of working together that we don't really fit together, you can easily terminate the contract with a month's notice or without notice for an important reason. The brokerage contract is then terminated and the brokerage authority is deemed to have been revoked. We will inform the respective insurance company of this so that you can look for another intermediary/supervisor. The insurance contracts and the insurance cover remain in place, of course. Both parties have the right to cancel!

​Activity as a real estate loan broker with a permit according to § 34i paragraph 1 sentence 1 of the trade regulations

​Unless otherwise agreed, we receive payment from the lender (brokerage or commission) for arranging real estate loans, which is already included in the effective interest rate to be paid. This commission covers both the mediation of a suitable loan and the support until the final repayment! In doing so, we enter into a very long-term business relationship with the customer, which usually results in a full mandate as described above.

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