Risk pre-registration questions help in selecting the appropriate provider of private disability protection is existentially important for all working people, as the State protection of the statutory pension scheme is woefully inadequate. Often, appropriate and high-quality disability insurance fails however to health complaints, which must be specified for application. Often the insurer require high surcharges or even reject applications. Independent insurance brokers can clarify advance with pre-existing conditions within the framework of a risk preliminary inquiry at various insurers, as the State of health will be evaluated by the disability insurers. Who submits an application with an insurer despite health problems on your own and then pay a risk premium or even rejected, usually automatically lands in the venture file of the insurer. Other disability insurers can then access this data and an application would be particularly critical check, if an insurer has previously rejected.

The safer course of action would be there, by means of an independent expert to the disability insurance calculate the possibilities beforehand and then ask a risk preview of several eligible insurers. This has the advantage that several insurers parallel check the health information and then submit their assessment, adopted a proposal on what terms. The handling of the insurer is quite different here. While some insurers quickly reject requests with certain pre-existing conditions, other insurers often work with performance exclusions, in turn others with risk premiums. These assessments of the insurers before making a final decision for or against a company be clarified within the framework of the risk preliminary inquiry. Additional costs for the risk preliminary inquiry do not occur normally. Contact: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded company. With the Internet presence of young Insurance.de the company specializes on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies.

Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the Insurance industry has been working to customers over the Internet, by telephone and by post supervised – the quotations as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.