Clear, Unbiased Guidance Through Germany’s Complex Insurance Market
Insurance is one of the most important—and often misunderstood—parts of financial planning in Germany. Many expats struggle with hidden costs, unclear contracts, and limited English-language support.
We make it simple by providing unbiased, fee-only advice on which policies you truly need.
Common challenges we help with:
- Confusion between public and private health insurance options
- Difficulty comparing coverage and premiums
- Unclear information about liability, life, and disability insurance
- Commission-driven advice from tied agents or brokers
- Lack of English-speaking insurance experts
At Financial Advisor Berlin, we represent you, not the insurance companies.
The Right Coverage Starts With the Right Advice
We work with clients across Berlin and Germany to evaluate existing insurance plans, close coverage gaps, and reduce unnecessary costs.
Our recommendations are based on your lifestyle, occupation, and financial goals—not on commissions.
Our 3-Step Insurance Process
- Assessment & Review: We analyze your current insurance policies to identify gaps, overlaps, or unnecessary costs.
- Personalized Recommendations: We explain your options clearly—so you understand what each policy covers and what you actually need.
- Implementation & Ongoing Support: We help you apply for or adjust coverage with transparent, independent guidance and no hidden fees.
Comprehensive Insurance Consulting for Every Need
- Health Insurance (Public & Private) – Understand the key differences and find the best fit for your personal situation.
- Liability Insurance (Haftpflichtversicherung) – Protect yourself against costly personal liability claims.
- Life Insurance (Lebensversicherung) – Ensure financial protection for your loved ones.
- Disability Insurance (Berufsunfähigkeitsversicherung) – Secure income in case of illness or injury.
- Household & Property Insurance (Hausratversicherung) – Protect your belongings from damage or theft.
- Travel and Expat Insurance – Get coverage for global mobility and frequent travel.
We help you choose policies that are cost-efficient, transparent, and tailored to your actual needs—not what a broker wants to sell you.
Why Clients Trust Our Independent Insurance Advice
- 100% independent consulting
- Licensed insurance advisors under §34d GewO
- English-speaking experts familiar with expat needs
- Full transparency in coverage and pricing
- Personalized advice based on your career and lifestyle
- Long-term support, reviews, and policy optimization
Our clients choose us because we make insurance in Germany simple, clear, and fully aligned with their financial goals.
Insurance Consulting Tailored for Expats in Berlin
As an expat, understanding the German insurance system can be daunting. You may wonder:
- Should I choose public or private health insurance?
- What insurances are mandatory in Germany?
- Which types of coverage are really necessary for my situation?
- Can I keep my insurance if I move abroad later?
We explain all of this in clear English, ensuring you make informed decisions that protect your health, income, and assets—wherever you go next.
Frequently Asked Questions
1. Is health insurance mandatory in Germany?
Yes. Everyone living in Germany must have health insurance, either public (gesetzlich) or private (privat). We help you understand both options and choose what fits best.
2. What’s the difference between public and private health insurance?
Public insurance (GKV) is income-based and covers everyone equally, while private insurance (PKV) offers individualized coverage with varying premiums. We help you compare both objectively.
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Do I need liability insurance in Germany?
Personal liability insurance (Haftpflichtversicherung) is not mandatory but highly recommended—it’s one of the most important and affordable protections you can have. -
Can expats get disability or life insurance in Germany?
Yes. We help you find policies suited to your visa status, job type, and income to secure long-term financial stability. -
Why work with an independent insurance advisor?
Unlike tied brokers, we can objectively compare all existing insurance on the market. Our only goal is to find the best solutions for your financial well-being.