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 makes me your ally – with a legal guarantee.
The Small but Massive Difference
When you go to your local bank or visit an insurance agent in their office, you encounter a "vicarious agent." This sounds technical, but it simply means: this person stands in the camp of the insurance company or the bank. Their task is to sell the products of their employer.
An insurance broker, on the other hand, has a completely different legal status: he is the Sachwalter (fiduciary) of the customer. This means I stand on your side by law. I am obligated to safeguard your interests in the same way a lawyer represents his clients. This applies to all areas, from occupational disability insurance to private retirement provision.
Why the Bank Often Isn't the Best Choice
Banks usually have exclusive partnerships with only one or two insurers. This massively limits the selection. If your needs don't fit exactly into the grid of the house brand, you lose out. Furthermore, staff turnover at banks is often high – you rarely find your contact person for the next 20 years there. For international clients, I also offer specialized consultation in English to break down language barriers in complex contracts.
Your Advantages as a Broker's Client
- Independence: I have access to hundreds of tariffs on the market. Not the insurance company that screams the loudest wins, but the one that calculates best for you.
- Liability: I am liable for the correctness of my advice. This gives you maximum security.
- Loyalty: If there are problems with an insurance company, I am your "lawyer" and enforce your claims.
Did you know?
The Federal Court of Justice (BGH) already clarified in 1985 in the famous "Sachwalter-Urteil" (Fiduciary Judgment) that the insurance broker acts as a trustee-like advisor to the customer. This fundamentally distinguishes me from any online portal or bank employee.
Conclusion: Control Instead of Sales Pressure
Insurance policies are not standard off-the-shelf products. They are contracts that must save your existence in an emergency. Therefore, do not trust someone who only has one brand in their quiver. Use the freedom and security that only an independent broker can offer you.
Checklist: Broker vs. Bank
- Is the advisor legally in my camp? (Only with a broker!)
- Do I have access to the entire market or just one brand?
- Who actively helps me in the event of a claim against the insurer?