Unfortunately too often. This is due to the lack of competence of the mediator. The insurer must provide this tool the ignorant and gullible intermediaries so that they can convince the customers. Who can not objectively advise, who must take his product among the people just about pictures, rating and other sales AIDS. Who can not give advice should keep their hands off customers! Any aid to the sale (brochures, rating, test judgments, ect.) represents no guarantee for services provided by the insurer. Let them not blinded! From a rating agency’s assessment procedure can be the following can be found: quote: no positive rating for (potentially) collective harmful product characteristics critical to the quality of insurance protection is always also the permanent economic performance of the insurance undertaking, which can be medium to long term risk in faulty or short-sighted interests of sales-oriented product design. We do not evaluate or just difficult to calculate as well as just for single insured useful rules/performance characteristics generally not positive, and allow no incentives for a potentially collectively damaging product design.

The last sentence you can please to dissolve on the tongue. How you interpret this I leave to you. Each rating agency and “Journal” evaluated differently. Therefore you can never derive a security for a good rate through such an “outcome”. Obtain advice from a specialist. Only this can perform usually a comprehensive and competent advice.

Wholesale distributors are not the answer for example with three letters or multi-level! Question for you, why there are different doctors for the medical field? (Dentist, orthopedist, internist, cardiologist, ect) Is everyone specialist in his field, or not? Would you go to a cardiologist with knee problems? Are looking for a competent partner. This may live at the other end of Germany. This is not, as often thought adversely. It is important that you complete advise you will know that what you actually buy with your signature. Many other articles on the topic of products and advice, see our blog. We are like as a competent specialist for a consultation to the page. Sven Stopka, diamond financial