Knowledge & Guides
Insurance doesn't have to be complicated. In my articles, I take an honest look behind the scenes of the German financial world.
Bank vs. Broker: The Fiduciary Advantage
Did you know that your bank advisor legally doesn't advise you, but represents the interests of his bank? Learn why my status as an insurance broker legally makes me your neutral fiduciary.
Read full article →The Portal Trap
Clicking quickly on an online comparison seems convenient, but who is actually liable for errors? We reveal why comparison portals often only show a filtered selection and why no one is there to support you personally in the event of a claim.
Read full article →Cost Transparency: What does advice cost?
Good advice doesn't have to cost you anything extra, as it is often already included in the premiums. We clear up myths about broker fees and show why you often pay for service online that you never actually receive.
Read full article →Contract Check: Old vs. New
Insurance conditions are constantly improving. Many policies older than five years offer worse benefits at higher prices. Learn why a regular check of your insurance folder can save you real money.
Read full article →Claims Management: We fight for you
The true value of insurance only shows when things go wrong. We explain our role as your personal expert in the event of a claim and how we ensure that the insurer actually keeps its promises.
Read full article →BU Pre-assessment: Secure Protection
Never submit an official application for occupational disability (BU) without a pre-check! Learn how an anonymous risk pre-assessment protects you from being "blacklisted" (HIS).
Read full article →Bauspar Check: Money Brake or Opportunity?
Many building society contracts (Bausparverträge) are currently a loss-making business due to high fees and low interest. We analyze when "Bausparen" still makes sense and which alternatives are more lucrative.
Read full article →Tax Leverage: Government Subsidies
Why pay for your retirement entirely from your net income? We show you how to cleverly use Rürup, bAV, or Riester to have your private pension subsidized by the German state.
Read full article →Expats & Professionals: Advice in English
Moving to Germany is exciting, but the insurance system can be a bureaucratic nightmare. I offer expert advice in English to guide you safely through health insurance, liability, and more.
Read full article →Emergency Vault: Family Protection
What happens if you are suddenly incapacitated? Learn how my digital emergency database ensures that your loved ones have all important documents at hand in an emergency.
Read full article →simplr App: Everything in View
End the paper chaos! Manage all your contracts conveniently via smartphone, report claims with a click, and keep a full overview of your protection at all times.
Read full article →The Low-Interest Trap: Why Savings aren't enough
German bank interest (0.1-1%) is far below inflation. Learn why the traditional "Sparbuch" is a mistake for expats and how to invest for real growth in Germany.
Read full article →Digital Banking: Free Accounts in Germany
Stop paying unnecessary fees. We compare the best free accounts from ING and Revolut and show you how modern banking works for expats.
Read full article →Business Protection: Start Securely in Germany
As an entrepreneur, you carry full responsibility. We show you which commercial insurance policies are truly indispensable to protect your business and your private assets.
Read full article →Knowledge is Power. Action is too.
Do you have questions about any of my guide topics or would you like to have your own situation checked individually? I'm here for you.