Pension & Insurance

A company pension scheme is part of the standard of a modern company. The legislator also promotes the expansion of an additional provision. With our advice, you will receive all relevant information for your business area and avoid liability risks. We not only accompany you during the implementation, but also stand by you as a contact partner in the long term.

We advise on all 6 implementation methods of company pension schemes

• direct insurance
• pension fund
• pension fund
• support fund
• pension commitment
• time value accounts

Special insurance protection and an individually designed pension plan are recommended for persons with management responsibilities. With reliable coverage of your liability risks, you can focus on the economic success of your company. Your specific situation is our benchmark when selecting the insurance concepts and solutions that are right for you.

We advise you on the following topics

• old-age provision
• protection for surviving dependents
• health insurance
• occupational disability insurance
• Entrepreneur legal protection

Supplementary company health insurance can be a valuable investment in the health of your team and also help to distinguish yourself as an attractive employer. Especially in times of a shortage of skilled workers, this can help retain employees. Targeted preventive programs can also reduce absenteeism. We work with the leading providers of supplementary company health insurance to create tailored concepts for companies.

A lot can happen on business trips. The legal duty of care (§ 618 BGB and §17 SGB V) requires the right insurance for your employees. In the event of an emergency, it can quickly become expensive for companies. If an employee requires medical assistance on a business trip, the employer must cover the costs. This also applies to so-called secondments of employees, which can often last several years. Here, the employer even has special duties of care. Many large travel insurers offer policies with different scopes of benefits. We select the right travel insurance for your company and inform you on which points you have to pay special attention to.

We advise you on the following topics

• Business travel insurance
• Insurance of seconded employees

Wherever work is done, mistakes are made, and without coverage, they can be costly for your company. Precisely tailored insurance concepts reduce your risks. Business liability insurance is a MUST for every company. Damage to buildings and their contents, damage to electronic equipment, business interruptions or court cases can minimize your profit and endanger your business.

From the variety of business coverage options, we present you with the optimal protection and ensure that the future of your business is not compromised by liability or property damage.

We advise you on the following topics

• Public liability and pecuniary loss liability insurance
• contents insurance
• IT and cyber insurance
• D&O and legal expenses insurance

Are you self-employed? Are you a civil servant or do you earn more than the income threshold? If so, you can take out private comprehensive health insurance and choose from a wide range of tariffs. We will design the scope of your insurance according to your wishes and find the right insurance for you. We advise you comprehensively about the advantages and also the risks of individual insurances. During the entire term of the contract, we will assist you with all contractual questions concerning your health protection and with changes to your insurance coverage.

Do you want to take out additional cover over and above your basic cover under the statutory health insurance scheme? Private supplementary health insurance guarantees you better benefits in the event of illness, such as payment for homeopathic medicine, treatment by a chief physician and a single or double room in the hospital, or better support in the area of dentures. With our expertise, you can find the right supplementary private health insurance for you. We can also help you if you want to cover a private trip in the event of illness, e.g. cover for repatriation in the event of illness abroad or benefits in non-European countries. With us, your trip will not become a financial burden for you in case of an emergency.

We advise you on the following topics

• Private supplementary insurances
• Private travel health insurance

If you can hardly or no longer work for health reasons, there is a risk of drastic loss of income. People born in 1961 or later will only receive a full pension if they are able to work less than three hours a day. Take out private insurance to cover your working capacity so that you are not burdened with financial worries in the event of illness. We explain the differences between an occupational disability pension and a disability pension and find out which model is right for you.

We advise you on the following topics

• occupational disability insurance
• disability insurance

Do you want to enjoy your retirement without worries? The statutory pension alone is not enough. That's why the concept for a private pension must be intelligently planned and effective in the long term. Your current phase of life is decisive for our pension concept. We analyze with you which forms of retirement provision are suitable for you and with which investments you can best achieve your goals.

We advise you on the following topics

• Private pension insurance
• One-time investment

The state promotes the establishment of an additional old-age provision with financial subsidies and tax benefits. We will be happy to clarify with you which subsidy is most suitable for you.

We advise you on the following topics

• Riester pension
• Rürup pension

Are you also wondering whether you should give away part of your inheritance now or wait until after your death? When is the optimal moment to transfer assets? There are numerous concepts here. We support you in setting the right course for your estate.

You want to provide your family with good financial protection in case of an emergency and are looking for a high level of protection at a low price? We explain the difference between term life insurance and life insurance and show you when such a relatively inexpensive protection of your family is the right way for you.