When the amount of a pension of 3,000 EUR and a term to 65, we talk here about 1.188.000 EUR. ell. Or health insurance. Here costs at heart are fast cardiovascular disease, accidents or stroke or even “odds and ends” in the six to seven-figure range to search. You seriously think you can decide that within a few hours? Even if a consultant something suggests seller, it isn’t. And even one who has already taken the great, best, and most suitable fare for you after a few minutes, put the best back out the door. Often the appropriate fare has been found, only it is unfortunately not on you, but rather to the “needs” of the seller. But how do I find a consultant who “is different” now? The consultant (I also) lives the fact that a product is conveyed and the insurer pays a fee (Commission) to the intermediary.
It is indisputable that must therefore first of all held a consultation and a facilitated. Make sure you but sure what how is taught, explained and recommended. The consultant should discuss with you first selection criteria, you the differences of Systems of the statutory health insurance (GKV) and private health insurance (PKV) explain and come together for a collective choice. Here are the terms of the contract, the AVB / pattern – and tariff conditions, the basic decision. Only this will guarantee you a performance, only these binding rules what is provided as. Of course are also indicators, balance sheet statements (RfB quota, net interest, gross profit ratio, final expense ratio) interesting and important, no question. These numbers are but temporary and only to look at the past.
There can be no guarantees on the future. Also the post development is put like as “criterion” based. Clear is important, that the posts in the future remain affordable. It guarantees an insurer? No, how should he. But only the past values are what the party can see. Whether in the future the same, different, better or worse fear… who knows. Also this guide is only a puzzle piece in the “picture car” and not last, you rely on your gut feeling. Have a bad feeling from your advisor or wrong, just the chemistry its you yourself and the consultant to honest and finish the whole thing. Try a different Advisor, look behind the scenes and watch for “Broker State” (brokers or agents?, bound by one or more companies?