German Savings Rate Hits Highest Level Since Financial Crisis: What It Means for Financial Advisors
New GfK data reveals a surge in German savings propensity to levels not seen since 2008. Discover why consumers are hoarding cash despite rising income expectations, and learn crucial insights for financial advisors and insurance agents on guiding clients through economic uncertainty toward effective long-term financial planning.…
Home Insurance Claim Denied? Why a Late Theft Inventory List May Not Void Your Coverage
A key court ruling protects homeowners: a delayed theft inventory list after a burglary is not automatically 'gross negligence.' Learn your rights and how to properly file a home insurance claim.…
How to Combine Financial Advisory, Social Impact & Client Acquisition: The GELDPILOT24 Model
Discover how Torsten Günter's GELDPILOT24 merges financial advisory services with social engagement for powerful client acquisition. Learn how this InsurTech model uses 'Financial Merch Stores' to help clubs, nonprofits, and insurance brokers generate sustainable revenue and gain new clients effortlessly. A must-read for financial advisors, insurance agents, and anyone in wealth management seeking innovative growth strategies.…
AppleCare+, PlusSchutz & More: Are Extended Warranties Worth It?
Thinking about buying an extended warranty for your phone, laptop, or tablet? Our guide breaks down the hidden costs, fine print, and why you probably don't need this expensive extra coverage. Learn how to protect your electronics smarter.…
Top Insurance Employers 2023: MRH Trowe, Canada Life & Zurich Lead in Employee Satisfaction
Discover the highest-rated insurance and financial services employers in Germany according to kununu's 2023 rankings. See why MRH Trowe, Canada Life, and Zurich Group lead in company culture, work-life balance, and employee recommendations.…
The 'Hamburg Model' for Civil Servants: How Lump-Sum Health Subsidies Work in Thuringia
Thuringia's lump-sum health subsidy for civil servants, part of the 'Hamburg Model,' costs €5 million annually. Learn how this alternative to private insurance works and its limited uptake.…
What Makes a Good Cyber Insurance Policy? An Expert Guide for SMEs
Gisa Kimmerle, Head of Cyber at Hiscox Germany, explains the evolving landscape of cyber insurance. Discover why SMEs face stricter requirements, what defines a robust policy, and how to secure coverage that protects against existential threats in a dynamic risk environment.…
Top Financial Services Employers 2023: Tecis, Wika, and Telis Lead the Rankings
Discover the best employers in the German financial services sector for 2023. Based on employee reviews from kununu, see why Tecis, Wika AG, and Telis Finanz rank highest for company culture, work-life balance, and compensation. Learn what makes a top workplace in insurance and financial advisory.…
German Life Insurers See Sharp 12% Drop in Mortgage Lending | Market Shift Analysis
German life insurers faced a major downturn in 2023, with mortgage lending volume falling 12% to €7.8 billion. Explore the causes—rising interest rates, buyer hesitation, and a construction slowdown—and discover what this market correction means for insurance advisors, clients, and the future of real estate financing.…
Top Legal Disputes in Germany & How Legal Insurance Can Protect You
From contract disputes to traffic offenses, discover the most common reasons Germans go to court. Learn if legal expense insurance is a smart investment for your risks and how to choose the right policy.…
Volkswohl Bund Announces New CEO and Board Expansion: Leadership Transition for 2024
German insurer Volkswohl Bund announces a major leadership change as CEO Dietmar Bläsing retires. Learn about incoming CEO Gerrit Böhm and new board member Stefanie van Holt. Understand how this executive transition impacts corporate strategy and customer service in the competitive insurance market.…
Cyber Insurance Model Terms Updated by GDV: Key Changes for 2024
The German Insurance Association (GDV) has revised its model terms for cyber insurance policies. Learn about the crucial updates addressing remote work, cloud computing, third-party risks, and war exclusions that will shape coverage for SMEs in the evolving threat landscape.…
EU Amalgam Ban: What It Means for Your Dental Costs and Insurance Coverage
The EU plans to ban mercury-based dental amalgam fillings by 2025. Learn how this affects costs for public health insurance patients and what alternative materials mean for your wallet.…
Car Insurance Claim or Pay Yourself? The Smart Financial Guide
Filing a car insurance claim can cause your premium to skyrocket for years. We calculate when it's cheaper to pay for repairs out-of-pocket and provide a clear rule of thumb to save you money.…
Switching from Private Health Insurance to Public Health Insurance in Germany: A Cost Trap for Seniors | PKV vs. GKV Guide
Considering a switch from German private health insurance (PKV) to public health insurance (GKV) after 55? This decision can lead to unexpectedly high premiums. Learn about the 9/10 rule, contribution calculations on all income, and how it compares to US Medicare/Medicaid. Get expert advice to avoid financial pitfalls in retirement health coverage.…
When Can a Disability Insurer NOT Cancel Your Policy? A Key Ruling on Undisclosed Headaches
A recent German court ruling protects policyholders: an insurer cannot cancel a disability insurance policy for minor, fully-healed headaches. Learn about the crucial difference between 'simple' and 'gross' negligence in disclosure, and how this precedent can help you fight a wrongful claim denial.…
Open Infrastructure Funds: A New Path for Retail Investors into Renewable Energy Assets
Discover how new 'Open Infrastructure Special Funds' are democratizing access to renewable energy investments like wind and solar parks. Learn how these regulated funds work, their benefits for portfolio diversification, and why they represent a key opportunity for financial advisors and private investors seeking long-term, inflation-resistant assets.…
AI, Legacy Systems & The 2030 Insurance Landscape: An Exclusive Interview with Baloise CEO Dr. Jürg Schiltknecht
What will insurance look like in 2030? Baloise Germany CEO Dr. Jürg Schiltknecht shares his vision: AI transforming advice and claims, legacy systems phased out by 2027, and the enduring role of human agents. Get exclusive insights on the future of insurance technology and customer experience.…
BaFin Warning: Scammers Impersonate 'Allianz Invest' to Target Investors | How to Protect Yourself
The German financial regulator BaFin has issued a critical warning about fraudsters impersonating 'Allianz Invest.' Learn how to identify this scam, protect your investments, and verify legitimate financial advisors and insurance providers to avoid financial loss.…
Customers Expect Digital & Fast Processes: The Boom in Supplemental Health Insurance
Explore why supplemental health insurance is booming, how digitalization drives growth, and key trends from an industry CEO. Learn about dental, hospital, and long-term care add-on coverage.…