Security for your future!
What is the best fit best our customers. Under this statement we select what is best for our customers from the financial market and from the diversity of offers. For us, the Kunden Broker, the client's interest is our priority that is why we put it as our goal. Our objective is no other than to satisfy the customer with a financial plan through which we can meet his/her present and future demands. Exactly this principle guides us even when it comes to choose our partners from the financial market, partners with which we collaborate to develop new products. Together with them we develop exclusive products, specially adapted to the needs of the people in Romania, which is another proof of value, thoroughness and quality of our services.
The idea of insurance is becoming more familiar to the Romanians too. Compared with other countries, the number of life or property insurances remains very small, but statistical figures show that the percentage of insurance policies concludedgrows more and more every year.
First let us understand what life insurance is and why we are determined to opt for it. Life insurance is a financial product offered by specialized companies that provide, case by case, protection – traditional life insurance and /or facilitates savings - life insurance with capital accumulation. The reasons which lead us to choose life insurance are the risks that we face every day, which may affect our ability to work or life itself. So follows a logical question: what will happen to our beloved ones? Our children are our future! What will happen with their education? This is where life insurance occurs as a way for all these worries to be taken over by an insurance company in exchange of a predetermined amount of money, through a contract signed between the insurer and insured in favor of a beneficiary or multiple beneficiaries, the object of this contract being the sum insured, which is established as an agreement between both parties, or at the request of the insured. The insured must pay during deployment of the contract a value of the insurance premium, which is determined by factors such as the amount insured, age, sex, health status, the latter being evaluated by specialists, after completing a medical questionnaire.
But what happens to our future? The pension system in Romania is very different from that in EU countries. The reason is that the Romanian state monthly spends more on the pension payments than it receives contributions. This subject is probably the most important and urgent problem that we have to solve for our financial welfare. We have to find a solution for long-term savings, so that the bad situation of the pensioners today will no longer be a problem for the pensioners tomorrow. Life insurance with capital accumulation protects the beneficiaries in the event of death, and also offers the opportunity to plan your secure future at the retirement age. Due to these investments in the years ahead you will be prepared for the expenses caused by your children’s education, their weddings and even for the time of your retirement. And if an unexpected event will prevent you from being close to your family, security features included in the insurance plans will protect your loved ones from possible financial difficulties.
Also our home, a considerable financial investment, is another concern that affects us daily. Unfortunately, due to natural disasters in Europe, many people have lost partially or totally their residences. Even in Romania, natural disasters are becoming more frequent (especially flooding). So far the state has introduced a mandatory private insurance for such events (PAID Natural Disaster Insurance Pool). Unfortunately this is not enough, because not only natural disasters threaten our homes, but also dangers of everyday life such as broken water pipes, fire or burglary. Have you ever thought about this? Here helps the optional home insurance so that our customers will be able to protect at a real value what they have achieved through lifelong work!
In Romania also the private health insurance is continuously developing. At the same time more private clinics are increasingly created in collaboration with insurance companies. These private clinics offer Romanians what always has been missing in the case of an unfortunate event: the certainty that they will be taken care of at the highest standard. Depending on the price you are ready to pay private health insurances can cover expenses for hospitalization following a serious illness, annual medical tests or surgery.
Our long-term experience in finance and insurance is very helpful for us in this case. We are proud that through our exclusive products we can offer our customers flexible solutions so they can achieve their goals and fulfill their desires. Because time is money, only those who have the right information at the right time, about the current situation on the financial market in Romania, can make decisions for themselves, their family and the future.
The principle of long-term thinking guarantees to our customers a responsible and conscientious servicing and also counseling from KundenBroker during the whole duration of the product!
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