Finding the right income protection insurance (Berufsunfähigkeitsversicherung) in Germany can be overwhelming. There are hundreds of options, each with different terms, exclusions, and conditions. Here’s why working with an independent insurance broker is the smartest choice:

🔹 Unbiased Advice – Unlike insurance companies that only sell their own products, a broker compares policies from different providers to find the best fit for you.

🔹 Expat-Specialized Guidance – Many German insurers don’t cater to expats. A broker understands your specific needs, like visa restrictions, employment types, and future relocations.

🔹 No Hidden Pitfalls – Insurance contracts can be complex. A broker explains everything in simple English, ensuring you understand exclusions, premium adjustments, and payout conditions before signing.

🔹 Better Pricing & Conditions – Brokers have access to exclusive deals that you wouldn’t find on your own. They can also negotiate better terms for your policy.

🔹 Ongoing Support – If you ever need to adjust your coverage or file a claim, your broker will be there to assist you—free of charge.

📞 We connect you with an independent broker who specializes in disability insurance for expats—so you get expert advice and the best coverage without the hassle.